Daniel KE

Senior Banking Professional | 10+ Years Experience in Retail & Credit Operations/Formerly with IM Bank, KCB, and Platinum Credit/Insights on money growth

[Daniel KE @BankerDanielM]

@39billion Ryw1ch

[Daniel KE @BankerDanielM]

@39billion From Kenya,thank you.

[The Deal Trader @TheDealTrader_]

How to analyze stocks

[Moe @moneyacademyKE]

Top performing stocks in the NSE so far in 2025:

Sameer Africa: +413%
Uchumi: +383%
NSE: +239%
Kenya Power: +213%
Home Afrika: +206%
KenGen: +167%
Olympia Capital: +156%
Kenya Re: +154%
Car & General: +127%
HF Group: +117%
E.A. Portland: +114%

[Moe @moneyacademyKE]

Here is how payslips will look after February 2026, with NSSF rising for higher earners

The calculations we have done include PAYE, Housing Levy, SHIF, and the new NSSF deductions:

— A salary of Sh50,000 → Net pay: Sh39,270
— A salary of Sh75,000 → Net pay: Sh63,500
— A salary of Sh100,000 → Net pay: Sh70,660
— A salary of Sh200,000 → Net pay: Sh137,300
— A salary of Sh350,000 → Net pay: Sh237,000
— A salary of Sh500,000 → Net pay: Sh335,500
— A salary of Sh800,000 → Net pay: Sh525,700
— A salary of Sh1,000,000 → Net pay: Sh647,500

[Ndindi Nyoro @NdindiNyoro]

INVESTMENTS AND MARKETS:

A story of REA Vipingo, Billions and Land.

In the year 2013, we had a few shares in a Company called REA Vipingo. We had bought them for twenty something Bob. The company was listed in the NSE.

In November 2013, a company called REA Trading Company, owned by the Sons of the Founder offered to buy all the other shares they didn't own. The share was then trading in the market at Ksh 27.5. They gave a bid of Ksh 40 per share - a modest 45% premium. I was excited and wanted the transaction done. I would have given out our few shares and cash in Ksh 12.5 per share as Profit.

As the rules should be, the trading of REA Vipingo was halted in the NSE due to the "Material Information".

Afterwards, other minority shareholders opposed the bids and forced for the opening up of the process.

Immediately bids were opened, Dr Chris Kirubi through Centum offered a competing bid of Ksh 50 per share.

Afterwards, a company called Vania Investments Company gave a different competing bid of Ksh 55.

The bidding war escalated but to the advantage of shareholders.

Later on, REA Trading Company negotiated with Centum so that Centum could withdraw their bid. Ultimately, REA Trading topped their bid to Ksh 70 per share. They also offered a promisory note of a top up of Ksh 15 when out of divesting some of the land holding. Centum also made a deal to buy over 10,000 of REA Vipingo land for about Ksh 180,000 per Acre as a condition for withdrawing their bid - that is the land that hosts the Centum owned Vipingo Real estate assets include a SEZ.

After the bidding war, the REA Vipingo Shares that were trading at Ksh 27.50 before bidding started got the final bid of Ksh 85 from REA Trading Company. We ended up getting a 209% Premium. I mean 209% profit in a matter of a few Months instead of the initial 45%.

What if the bidders based the transaction and their bids on the "Market Price" of Ksh 27.5? The buyers would have had a field day, just like the celebrations with the buyers of GoK Safaricom stake. But the seller value would have been undermined.

That is how the sale of the 15% Safaricom GoK can be optimised. These kind of transactions become sub optimal when there is personal interest. If we are genuinely seeking the best value for our Country, Kenya, we must open up the bids, get more Billions and grow our Economy.

This is NOT about politics but about what is the right thing to do. It is not about whose argument is popular but about what optimises our Bottomline as a Country. And we must all remember that of approximately 55M Kenyans, the sale of 15% stake or about 6Bn shares represents approx 100 shares per every Kenyan. Therefore we must get full value.

We are African and Africa is our Business..

[Moe @moneyacademyKE]

The interest on bank loans is set to reduce further following the Central Bank's decision to cut the rate from 9.25% to 9%

[Moe @moneyacademyKE]

KRA now cannot tax e-commerce card payments after the Supreme Court ruled they exceeded their legal powers.

The ruling ends a 13-year battle and shields banks from billions in withholding tax..

[Andrew Tate @Cobratate]

When we flew on my private jet from Dubai to Romania to play smash bros for 30 minutes and then flew right back.

[MrBanks💰 @Mrbankstips]

All you need is 2 odds daily and the dawg in you

[Moe @moneyacademyKE]

Kenya is set to start oil production in Turkana, with first exports expected by December 2026.

[Moe @moneyacademyKE]

Equity Group fires over 2,000 employees over conflict of interest but raises remaining permanent and pensionable staff salaries, with starting pay now from Sh65,000 to Sh116,000.

[Moe @moneyacademyKE]

The cost of food is currently 50% higher than it was in 2020, hitting those with the least money, according to a new report by Oxfam.

[Moe @moneyacademyKE]

Banks' Profit Performance in the First Nine Months of 2025.

— Sidian: Up 470% to Sh1.4 billion
— Equity: Up 32% to Sh54 billion
— I&M: Up 26% to Sh12.7 billion
— Absa: Up 15% to Sh17 billion
— Co-op: Up 12% to Sh21.6 billion
— DTB: Up 12% to Sh8.4 billion
— NCBA: Up 8.5% to Sh16 billion
— KCB: Up 3% to Sh46 billion
— Stanbic: down 7.5% to Sh9.4 billion
— StanChartKe: down 38% to Sh9.8 billion

[NZ ☄️ @CodeByNZ]

This man built VLC, turned down stupid money just to keep it ad-free, and still gave it to us for free. Absolute hero.

[Eric @amerix]

For every 100 bob you earn, 80 bob pays debts.

Example,

If your salary is

• 20,000, you spend 16,000 on debt

• 40,000, you spend 32,000 on debt

• 60,000 you spend 48,000 on debt

You are a slave of debts, and the debts grow daily.

That is the true state of the nation.

[Daniel KE @BankerDanielM]

This is how I made my millions, self-made.

[Moe @moneyacademyKE]

Sidian Bank’s profits were up 470% to Sh1.47 billion in the nine months of 2025 on higher interest and non-interest income.

[Daniel KE @BankerDanielM]

He delivered. Didn't he?