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Recent Topicals

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Kenya Listed Banks Q1’2023 Report

Jun 18, 2023

Following the release of the Q1’2023 results by Kenyan banks, the Cytonn Financial Services Research Team undertook an analysis on the financial performance of the listed banks and identified the key factors that shaped the performance of the sector. For the earnings notes of the various banks, click the links below: Equity Group Q1’2023 Earnings Note KCB Group Q1’2023 Earnings Note Standard Chartered Bank Kenya Q1’2023 Earnings Note ABSA Bank Kenya Q1’2023 Earnings Note NCBA Group Q1&rs...

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Kenya Listed Insurance FY’2022 Report

Jun 11, 2023

Following the release of the FY’2022 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. The report themed “Sustained Growth in Earnings on the back of improved Efficiency”, where 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 FY’2022, Industry Highlights and Challenges, Performance of The Listed Insurance Sector in FY’2022, and, Conclusion & Outlook of the Insurance Sector. ...

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Off-Plan Real Estate

May 28, 2023

Real Estate development relies on several elements, primarily financing and marketing. Real Estate finance involves providing the necessary financial resources for investment projects aimed at expanding building infrastructure and services. On the other hand, Real Estate marketing serves as a connection between those responsible for the production of various Real Estate properties such as residential houses and offices and those who purchase and benefit from them. Its objective is to fulfill the needs and desires of individuals by offering properties, whether it be land or housing, at the right value and with exceptional customer service.  Off-plan investment in the Real Estate sector has emerged as an enticing opportunity, offering a mutually beneficial platform for both developers and buyers. This concept involves the sale and purchase of properties that are yet to be constructed or are still under...

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Financial Planning Amidst Challenging Economic Environment

May 21, 2023

People face various financial obligations in different stages of their lives that range from medical expenses, education expenses and other miscellaneous expenses. Currently, the expenses have been worsened by the high cost of living in Kenya that has adversely impacting the financial stability and overall well-being of the people.  Despite the high cost of living, it is key to note that a lot of financial challenges are often caused by poor financial planning. Financial Planning refers to a process that help an individual to make sound decision about money that can help one to achieve financial goals. Having a sound personal financial plan is important because it helps reduce and possibly eliminate financial distress arising from various responsibilities and unexpected situations. As such, the purpose of this focus note is to highlight the importance of financial planning, the various considerations to make based on one’s own characteristics, needs and preferences, and s...

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National Housing Development Fund (NHDF)

May 14, 2023

According to the World Bank, Kenya's urbanization rate stood at an average of 3.7% as of 2021, higher than the global average of 1.6%. Similarly, the annual population growth rate averaged 1.9% as of 2021, which is also higher than the global average of 0.9%. As a result, the demand for housing in Kenya is very high, far exceeding the available supply, with Centre for Affordable Housing Finance Africa (CAHF) estimating that there is an 80.0% annual housing deficit in Kenya. This is evidenced by the fact that only 50,000 new houses are delivered annually in the country, whereas the demand is estimated to be at about 250,000 units per year. This leaves a shortfall of about 200,000 houses per year, which is a significant gap to fill....

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