Transcript Headline Goes Here

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OUR VISION, MISSION AND VALUES
VALUE
VISION
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To be the preferred
financial solutions
provider in Africa with
global reach.
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Putting the CUSTOMER
first.
Working together as a TEAM
Being PROFESSIONAL
in everything we do
A willingness to CHANGE
Caring for the COMMUNITY
MISSION
To transform our business
from Good to Great in order
to position KCB as the
preferred financial solution
in Africa with
global reach
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The Group Footprint: Strong, Stable Regional Bank
GROUP
- Asset Base
349 Billion
- Capital Base
47 Billion
- No. of Branches 226
- Over 930 ATM’s
- No. of Customers
2 Million
- No. of Agents 3,243
SUDAN- 2006
19 Branches
22 ATMs
322 Staff
UGANDA- 2007
14 Branches
16 ATMs
303 Staff
BURUNDI- 2012
1 Branch opened
2 ATMs
27 Staff
KENYA- 1896
170 Branches
864 ATMs
3,724 Staff
RWANDA- 2008
11 Branches
14 ATMs
325 Staff
TANZANIA- 1997
11 Branches
12 ATMs
252 Staff
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KCB BRANDS
Our Products
Our Channels
Our Sponsorships
Our Caring Nature
New
Brands
Our Partnership
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Group Service Offering
Mobile banking
Enhancing convenience to customers through our
mobile banking platform.
Advantages of the system:
• Fast, convenient and cost effective
• Multiple delivery channels– USSD, WAP and GPRS
(downloaded application to the handset)
• Not limited to a particular network
• 24 hour access worldwide
• Ease in deposit mobilization
Services:
• Airtime top up for self or others across networks
• All balance enquiries including credit card and loan
status
• Loan repayments and utility payments
• Money transfer services to any mobile number
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Group Service Offering
Internet banking
Enhancing worldwide convenience to customers
through our online banking platform.
Services:
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Account summary
Create and maintenance of standing orders
Funds transfers – SWIFT, EFT, RTGS
Fixed Deposit opening and maintenance
Cheque book request and stop cheque payment
Credit card payments
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Group Service Offering
KCB Mtaani – Agent Banking
Offering banking services at non-bank outlets e.g.
Pharmacies, Post Offices, Supermarkets etc
Advantages
• It is easier and cheaper for the bank to set up an agent
in remote locations than a fully-fledged branch
• Additional revenue source for the agent
• Decongestion of banking halls
• Extension of banking hours
Services
• Cash deposit and withdrawal
• School fees payment
• Collection of Account opening documentation
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Group Service Offering
Custody services
We provide:
• Safe Keeping Services
• Account Administration
• Transaction Settlement
• Capital and Income Services
• Corporate Actions Administration
• Trustee Services
In 1H12 the KCB’s stock
outperformed the NSE 20 by 29%
Our shares are Cross listed in the Kenya, Uganda,
It is among the most liquid stocks
Tanzania and the Rwanda exchanges – providing
with a turnover of KES 5.5 Billion
an avenue for investment from the region
ranking it 3rd on the FTSE NSE
Kenya 25 Index
Envisioning an East African Stock Exchange that
will facilitate greater volume and value of trading.
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Group Product Offering
KCB is ready and able to offer efficient and
reliable banking services in a personalized and
responsive manner.
• Wide range of personal and corporate
accounts
• Card services – Debit, Pre-Paid and Credit
• Trade Finance solutions
• Diaspora banking
• Advisory services
• Asset Finance
• Project financing
• Mortgage Financing
• Cash management.
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Group Service Offering
Contact Centre
24 hour Access to the bank through
telephone, email, Social Media, Fax and
SMS.
Services include:
• Basic account queries,
• Product and service information,
• Branch/ATM locations,
• Complaints and suggestions.
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Our Sponsorships:
KCB has invested significantly in different sports with the aim of building talent across
Eastern Africa. The bank has to date invested over 600 Million towards sponsorship.
The bank has used sports sponsorship to profile players and the bank across the
market of operation.
Key sponsorships include:
• KCB Athletics Cross country championships series
• KCB East African Golf tour
• National League Rugby, Football, Basketball and Volleyball teams
• KCB Kenya National Rally championship -10 year sponsorship & 62 Rallies held.
• KCB East African Rally Challenge - Held in Kenya, Tanzania, Uganda,
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KCB Foundation
KCB is committed to supporting the development of communities around whom it
operates across the region. Through the KCB Foundation we reach out and positively
impact the community in the areas of:
Environment - 1.5 million Trees planted, Goal- to plant 4 Million by 2014
Health - 20,000 children treated in medical camps, 5 Dialysis machines have
been installed
Education - 750 School have received learning material, 200 Students have
received full scholarships.
Enterprise Development - 400 Youth entrepreneurs benefited from the
Junior Achievement training and enterprise management. 600 Youth in higher
learning institutions were reached with financial literacy and money management
skills through Nurture Smart.
Humanitarian Intervention - Kenyans for Kenya National campaign. Post
Election violence support.
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Sustainability and Green Agenda:
Implementing the Social & Environmental Management System (SEMS) to manage
loans with potential social and environmental risks
Integration of SEMS into procedures within Credit, Risk and Corporate divisions
Green Agenda:
Implementation of Green initiatives to reduce on resource consumption
Application to new buildings and branches – to be green and intelligent
Sustainability reporting now to be an annual activity – published together with the
annual report and financial statements
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Our Awards:
2012:
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Best Bank Corporate Banking
Best Corporate Banker
Best bank in Retail Banking
Best bank in SME Banking
Chief Executive of the Year
1st Runners up- Micro Banking
1st Runners up Mortgage Financing
2nd Runners up in Asset Finance
2011:
• Best Trade Finance bank in Kenya - Global Finance Magazine
2011
• Best Retail bank in Kenya
• 2011 EURO STP Excellence Award.
• Euromoney awards
• Total Eco-Challenge Awards
• Company of the Year Awards (COYA) – Corporate Citizenship
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Our Financials:
PBT Growth Kshs B
9.0
8.0
7.0
6.0
5.0
4.0
3.0
2.0
1.0
0.0
Contribution of PBT (Kshs B)
8.5
Kenya Business
5.7
4.2
3.5
3.6
Subsidiary Businesses
10.5
10
9.5
9
Subsidiary
Contribution
6.6%
75%
1.05
0.6
6%
8.5
9.05
8.5
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2008 Jun 2009 Jun 2010 Jun 2011 Jun 2012 Jun
7.5
PBT 2010
Over the past five years, our balance sheet has grown tremendously – to
Kshs 349.3B (equivalent to USD 4.1 billion) by the end of June 2012
PBT 2011
Subsidiary
Contribution
10.4%
KCB’s Future:
OUTLOOK:
• Strong performance driven by innovation
• Transformation programme on track for completion in December 2012
• Reduction in the NPL ration across the Group
• Cost Income ratio down to 51-52%
The guiding principles and strategic objectives are:
• to ensure focus on core the activity of providing banking services and
solutions – with innovation at the centre
• to ensure efficiency and a high level of productivity
• customer centricity and enhanced human resource capacity
• increased shareholder value; which remains the overarching objective of
the Bank’s operations
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KCB ROAD MAP AND TRANSFORMATION PILLARS
Lay the
foundation to
Leverage
our talent
Our
unmatched
regional
presence
Develop
best-in-class
enabling
processes
The bank
is an early
adopter of
Research and
Innovation
Optimize
the
subsidiaries
Our
unmatched
Pursuit towards
growing
sustainable
business
Profitably
grow
business
in Kenya
Our Growth Drivers
Improved
cost to income
ratio
• Increased
Revenues
• Reduction in
Costs
• Improved
Efficiencies
Our Award
Winning
products
International
Business
Mortgage
Micro & SME
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