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Barclays - 2018 and beyond
Rank: Member Joined: 12/1/2007 Posts: 539 Location: Nakuru
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sparkly wrote:Ebenyo wrote:I did my own analysis of banks and realised Barclays is doing better than most of of the listed lenders;
NON PERFORMING LOANS
Barclays-8%
Kcb-7%
Equity-8%
Co-op-12%
I&M-14%
LOAN LOSS PROVISION
Barclays- 4%
Kcb-3%
Equity-3%
Co-op-4%
I&M-5%
INTEREST EXPENSE
Barclays-24%
Kcb-26%
Equity-22%
Co-op-28%
I&M-40% Your research isn't conclusive: 1. BBK doesn't show a consistent superiority in the above indicators; 2. The indicators themselves don't give a reliable conclusion on any one issue e.g. profitability, quality of loan book or efficiency in use of equity/ assets; 3. Left out other lenders useful for comparison eg DTB; NIC; Stanbic; SCB;NBK In fact in his 'analysis' EQB is identical to BBK For investors as a whole, returns decrease as motion increases ~ WB
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Rank: Veteran Joined: 4/4/2016 Posts: 2,016 Location: Kitale
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sparkly wrote:Ebenyo wrote:I did my own analysis of banks and realised Barclays is doing better than most of of the listed lenders;
NON PERFORMING LOANS
Barclays-8%
Kcb-7%
Equity-8%
Co-op-12%
I&M-14%
LOAN LOSS PROVISION
Barclays- 4%
Kcb-3%
Equity-3%
Co-op-4%
I&M-5%
INTEREST EXPENSE
Barclays-24%
Kcb-26%
Equity-22%
Co-op-28%
I&M-40% Your research isn't conclusive: 1. BBK doesn't show a consistent superiority in the above indicators; 2. The indicators themselves don't give a reliable conclusion on any one issue e.g. profitability, quality of loan book or efficiency in use of equity/ assets; 3. Left out other lenders useful for comparison eg DTB; NIC; Stanbic; SCB;NBK My research covered the health aspect of the Lenders.The motive was to know which are healthy and which are sick.From the above statics,Barclays is very much healthy.I was surprised its healthier than co-op. The best comparison is with top three in profitabilty which i tried to link. With an NPL of 8%,thats ver much commendable. Towards the goal of financial freedom
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Rank: Veteran Joined: 4/4/2016 Posts: 2,016 Location: Kitale
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babashuge wrote:obiero wrote:Ebenyo wrote:I did my own analysis of banks and realised Barclays is doing better than most of of the listed lenders;
NON PERFORMING LOANS
Barclays-8%
Kcb-7%
Equity-8%
Co-op-12%
I&M-14%
LOAN LOSS PROVISION
Barclays- 4%
Kcb-3%
Equity-3%
Co-op-4%
I&M-5%
INTEREST EXPENSE
Barclays-24%
Kcb-26%
Equity-22%
Co-op-28%
I&M-40% How would interest expense be a percentage Their papers and wallet have been ok for the last few years but what i wonder is whats the deal with all this closing of branches, is it a sign of inability to get new customers, cost cutting to keep the balance sheets pretty, or some part of some moving to digital strategy... Is it a good thing? Based on my statistics,the reason is consolidation.They are trying to preserve their capital.They are no longer the market leaders they used to be and have accepted the reality. They took a more conservative approach thats neither robust(like kcb and equity) nor a mean approach(like co-op). Going forward,i see them stabilising slowly and buoyed by separation from the UK father,they will try to grow slowly. Towards the goal of financial freedom
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Rank: Elder Joined: 6/23/2009 Posts: 14,217 Location: nairobi
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Ebenyo wrote:babashuge wrote:obiero wrote:Ebenyo wrote:I did my own analysis of banks and realised Barclays is doing better than most of of the listed lenders;
NON PERFORMING LOANS
Barclays-8%
Kcb-7%
Equity-8%
Co-op-12%
I&M-14%
LOAN LOSS PROVISION
Barclays- 4%
Kcb-3%
Equity-3%
Co-op-4%
I&M-5%
INTEREST EXPENSE
Barclays-24%
Kcb-26%
Equity-22%
Co-op-28%
I&M-40% How would interest expense be a percentage Their papers and wallet have been ok for the last few years but what i wonder is whats the deal with all this closing of branches, is it a sign of inability to get new customers, cost cutting to keep the balance sheets pretty, or some part of some moving to digital strategy... Is it a good thing? Based on my statistics,the reason is consolidation.They are trying to preserve their capital.They are no longer the market leaders they used to be and have accepted the reality. They took a more conservative approach thats neither robust(like kcb and equity) nor a mean approach(like co-op). Going forward,i see them stabilising slowly and buoyed by separation from the UK father,they will try to grow slowly. Slow growth in a rapidly expanding sector is as good as death
KQ ABP 4.26
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Rank: Chief Joined: 1/3/2007 Posts: 18,347 Location: Nairobi
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obiero wrote:Ebenyo wrote:babashuge wrote:obiero wrote:Ebenyo wrote:I did my own analysis of banks and realised Barclays is doing better than most of of the listed lenders;
NON PERFORMING LOANS
Barclays-8%
Kcb-7%
Equity-8%
Co-op-12%
I&M-14%
LOAN LOSS PROVISION
Barclays- 4%
Kcb-3%
Equity-3%
Co-op-4%
I&M-5%
INTEREST EXPENSE
Barclays-24%
Kcb-26%
Equity-22%
Co-op-28%
I&M-40% How would interest expense be a percentage Their papers and wallet have been ok for the last few years but what i wonder is whats the deal with all this closing of branches, is it a sign of inability to get new customers, cost cutting to keep the balance sheets pretty, or some part of some moving to digital strategy... Is it a good thing? Based on my statistics,the reason is consolidation.They are trying to preserve their capital.They are no longer the market leaders they used to be and have accepted the reality. They took a more conservative approach thats neither robust(like kcb and equity) nor a mean approach(like co-op). Going forward,i see them stabilising slowly and buoyed by separation from the UK father,they will try to grow slowly. Slow growth in a rapidly expanding sector is as good as death BUT unlike some firms, BBK doesn't have net debt. Doesn't need a Rights Issue. Pays a healthy dividend.  Greedy when others are fearful. Very fearful when others are greedy - to paraphrase Warren Buffett
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Rank: Elder Joined: 6/23/2009 Posts: 14,217 Location: nairobi
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VituVingiSana wrote:obiero wrote:Ebenyo wrote:babashuge wrote:obiero wrote:Ebenyo wrote:I did my own analysis of banks and realised Barclays is doing better than most of of the listed lenders;
NON PERFORMING LOANS
Barclays-8%
Kcb-7%
Equity-8%
Co-op-12%
I&M-14%
LOAN LOSS PROVISION
Barclays- 4%
Kcb-3%
Equity-3%
Co-op-4%
I&M-5%
INTEREST EXPENSE
Barclays-24%
Kcb-26%
Equity-22%
Co-op-28%
I&M-40% How would interest expense be a percentage Their papers and wallet have been ok for the last few years but what i wonder is whats the deal with all this closing of branches, is it a sign of inability to get new customers, cost cutting to keep the balance sheets pretty, or some part of some moving to digital strategy... Is it a good thing? Based on my statistics,the reason is consolidation.They are trying to preserve their capital.They are no longer the market leaders they used to be and have accepted the reality. They took a more conservative approach thats neither robust(like kcb and equity) nor a mean approach(like co-op). Going forward,i see them stabilising slowly and buoyed by separation from the UK father,they will try to grow slowly. Slow growth in a rapidly expanding sector is as good as death BUT unlike some firms, BBK doesn't have net debt. Doesn't need a Rights Issue. Pays a healthy dividend. Sounding like a broken record chief.. How's ARM doing? Likely to resume trading?
KQ ABP 4.26
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Rank: Chief Joined: 1/3/2007 Posts: 18,347 Location: Nairobi
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obiero wrote:VituVingiSana wrote:obiero wrote:Ebenyo wrote:babashuge wrote:obiero wrote:Ebenyo wrote:I did my own analysis of banks and realised Barclays is doing better than most of of the listed lenders;
NON PERFORMING LOANS
Barclays-8%
Kcb-7%
Equity-8%
Co-op-12%
I&M-14%
LOAN LOSS PROVISION
Barclays- 4%
Kcb-3%
Equity-3%
Co-op-4%
I&M-5%
INTEREST EXPENSE
Barclays-24%
Kcb-26%
Equity-22%
Co-op-28%
I&M-40% How would interest expense be a percentage Their papers and wallet have been ok for the last few years but what i wonder is whats the deal with all this closing of branches, is it a sign of inability to get new customers, cost cutting to keep the balance sheets pretty, or some part of some moving to digital strategy... Is it a good thing? Based on my statistics,the reason is consolidation.They are trying to preserve their capital.They are no longer the market leaders they used to be and have accepted the reality. They took a more conservative approach thats neither robust(like kcb and equity) nor a mean approach(like co-op). Going forward,i see them stabilising slowly and buoyed by separation from the UK father,they will try to grow slowly. Slow growth in a rapidly expanding sector is as good as death BUT unlike some firms, BBK doesn't have net debt. Doesn't need a Rights Issue. Pays a healthy dividend. Sounding like a broken record chief.. How's ARM doing? Likely to resume trading? ARM? Dead. Kabisa. No bailout. Nothing. Zero. Hapana. BTW, did BBK make loans to ARM or KQ? Greedy when others are fearful. Very fearful when others are greedy - to paraphrase Warren Buffett
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Rank: Elder Joined: 6/23/2009 Posts: 14,217 Location: nairobi
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VituVingiSana wrote:obiero wrote:VituVingiSana wrote:obiero wrote:Ebenyo wrote:babashuge wrote:obiero wrote:Ebenyo wrote:I did my own analysis of banks and realised Barclays is doing better than most of of the listed lenders;
NON PERFORMING LOANS
Barclays-8%
Kcb-7%
Equity-8%
Co-op-12%
I&M-14%
LOAN LOSS PROVISION
Barclays- 4%
Kcb-3%
Equity-3%
Co-op-4%
I&M-5%
INTEREST EXPENSE
Barclays-24%
Kcb-26%
Equity-22%
Co-op-28%
I&M-40% How would interest expense be a percentage Their papers and wallet have been ok for the last few years but what i wonder is whats the deal with all this closing of branches, is it a sign of inability to get new customers, cost cutting to keep the balance sheets pretty, or some part of some moving to digital strategy... Is it a good thing? Based on my statistics,the reason is consolidation.They are trying to preserve their capital.They are no longer the market leaders they used to be and have accepted the reality. They took a more conservative approach thats neither robust(like kcb and equity) nor a mean approach(like co-op). Going forward,i see them stabilising slowly and buoyed by separation from the UK father,they will try to grow slowly. Slow growth in a rapidly expanding sector is as good as death BUT unlike some firms, BBK doesn't have net debt. Doesn't need a Rights Issue. Pays a healthy dividend. Sounding like a broken record chief.. How's ARM doing? Likely to resume trading? ARM? Dead. Kabisa. No bailout. Nothing. Zero. Hapana. BTW, did BBK make loans to ARM or KQ? Has it ever had recent capacity to lend to any serious Kenyan corporate.. What is their core capital? L:D ratio?
KQ ABP 4.26
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Rank: Elder Joined: 6/23/2009 Posts: 14,217 Location: nairobi
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VituVingiSana wrote:obiero wrote:VituVingiSana wrote:obiero wrote:Ebenyo wrote:babashuge wrote:obiero wrote:Ebenyo wrote:I did my own analysis of banks and realised Barclays is doing better than most of of the listed lenders;
NON PERFORMING LOANS
Barclays-8%
Kcb-7%
Equity-8%
Co-op-12%
I&M-14%
LOAN LOSS PROVISION
Barclays- 4%
Kcb-3%
Equity-3%
Co-op-4%
I&M-5%
INTEREST EXPENSE
Barclays-24%
Kcb-26%
Equity-22%
Co-op-28%
I&M-40% How would interest expense be a percentage Their papers and wallet have been ok for the last few years but what i wonder is whats the deal with all this closing of branches, is it a sign of inability to get new customers, cost cutting to keep the balance sheets pretty, or some part of some moving to digital strategy... Is it a good thing? Based on my statistics,the reason is consolidation.They are trying to preserve their capital.They are no longer the market leaders they used to be and have accepted the reality. They took a more conservative approach thats neither robust(like kcb and equity) nor a mean approach(like co-op). Going forward,i see them stabilising slowly and buoyed by separation from the UK father,they will try to grow slowly. Slow growth in a rapidly expanding sector is as good as death BUT unlike some firms, BBK doesn't have net debt. Doesn't need a Rights Issue. Pays a healthy dividend. Sounding like a broken record chief.. How's ARM doing? Likely to resume trading? ARM? Dead. Kabisa. No bailout. Nothing. Zero. Hapana. BTW, did BBK make loans to ARM or KQ? Has it ever had recent capacity for lending to any serious Kenyan corporate. What is their core capital? L:D ratio?
KQ ABP 4.26
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Rank: Veteran Joined: 4/30/2010 Posts: 1,635
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They recently approved a loan for 300 million shillings to choppies super market. I don't have any link to prove but it's a true fact came out of a senior manager in Barclays
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