I've been trying to analyse banks performances on a larger scope specifically the large ones & my conclusions are that Banks that are going to give & maintain good returns in the next 5 years are:
1. Ones that will expand on SME Banking.
2. Expand regionally.
3. Understand the CRB act & use it effectively (most banks that rushed to list defaulters are having it rough as most of the debtors listed are not repaying a case in point BBK)
4. Improve on debt recovery.
5. Expand mortage financing (i don't only mean real estate but all kinds of mortgage/asset financing)
6. And the most important one of all inculcating a culture of all the above within the organization (employees)
Kenya is moving towards embracing credit as part of an integral part of the economy and any institution that embraces & makes the citizenry part of this will have won.
'They say money cannot buy me happiness but when i compare when i had none and now, i'm happier' Kevin O'leary