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Recent Topicals

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Kenya Listed Insurance H1’2026 Report

Nov 8, 2026

Following the release of the H1’2026 results by Kenyan insurance firms, the Cytonn Financial Services Research Team undertook an analysis on the financial performance of the listed insurance companies and the key factors that drove the performance of the sector. In this report, we assess the main trends in the sector, and areas that will be crucial for growth and stability going forward, seeking to give a view on which insurance firms are the most attractive and stable for investment. As a result, we shall address the following: Insurance Penetration in Kenya, Key Themes that Shaped the Insurance Sector in H1’2026, Interest rates Industry Highlights and Challenges, Performance of The Listed Insurance Sector in H1’2026, and, Conclusion & Outlook of the Insurance Sector. Section I: Insurance Penetration in Kenya Insuranc...

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Digital Payments

Nov 8, 2026

Mastercard Supports the Launch of Samsung Pay in Morocco to Expand Tokenized Mobile Payment Choice During the week, Mastercard Incorporated announced its support for the launch of Samsung Pay in Morocco, which expands mobile payment choice for consumers in the country. Enabled by Mastercard's tokenization technology, the Mastercard Digital Enablement Service (MDES), eligible Mastercard cardholders at participating banks can make payments using compatible Samsung devices, with sensitive card details replaced by a unique digital token and supported by authentication and risk-based safeguards. Merchants that accept supported contactless payments can accommodate the additional payment option, and no physical card is needed for supported transactions. The launch builds on Mastercard's work...

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Digital Payments

Oct 11, 2026

Visa Schedules Fiscal Q4 and Full-Year 2026 Earnings Release During the week, Visa Inc. announced that it will release its fiscal fourth quarter and full-year 2026 financial results on Tuesday, October 27th, 2026 after market close, furnishing the results to the U.S. Securities and Exchange Commission and posting them on its Investor Relations website. Management will host a live audio webcast at 2:00 p.m. Pacific Time (5:00 p.m. Eastern Time), with a replay available for 30 days, while the company remains in its customary quiet period during which executives will not interact with the investment community until the results are public. The announcement sets the timeline for the next major information event for Visa share...

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Kenya's Mortgage Market Review 2026

Oct 11, 2026

Kenya has one of the most developed banking sectors in Sub-Saharan Africa, with banking sector assets of Kshs 8.4 tn, equivalent to 47.5% of GDP, and one of the most advanced digital finance ecosystems globally. Yet its mortgage market remains among the shallowest on the continent relative to the size of the economy. As per the latest Bank Supervision Annual Report 2025 by the Central Bank of Kenya (CBK), there were only 30,762 mortgage loan accounts in the market as at December 2025, with an outstanding value of Kshs 307.2 bn, against customer deposits of Kshs 6.1 tn. Mortgages therefore account for only 7.1% of the banking sector's gross loan book of Kshs 4.4 tn, and 1.7% of the country's nominal GDP of Kshs 17.6 tn in 2025, as per the Economic S...

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Kenya’s FY’2026/2027 Budget Review

Jun 28, 2026

On 11th June 2026, the National Treasury presented Kenya’s FY’2026/2027 National Budget to the National Assembly highlighting that the total budget estimates for FY’2024/25 increased by 3.9% to Kshs 4.8 tn from the Kshs 4.6 tn in FY’2025/2026 revised estimates, while the total revenue inclusive of grants increased by 6.8% to Kshs 3.7 tn from the Kshs 3.4 tn in FY’2025/2026 revised estimates . The increase is mainly due to an 7.2% increase in ordinary revenue to Kshs 3.0 tn for FY’2026/2027, from the Kshs 2.9 tn in FY’2025/26 revised estimates. The FY’2026/2027 budget focuses mainly on providing solutions to the heightened concerns on the high cost of living, the measures put in place to stimulate sustainable economic recovery as well as undertaking a growth-friendly fiscal consolidation to preserve the...

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