KISII FINEST

Software engineer|| Freelancer||politics addict😊

[KISII FINEST @Bonnylouis078]

https://t.co/Ok16ZZGUyb

[Wisdom Master @WisdomKMaster]

@georgediano DARK WEB TIPS
1:install software called tails on USB the safest way-google on how to install it(youtube)
2:use VPN of your choice-recommending proton VPN
3:use tail to browse on tor browser and search for "hidden wiki" - link for dark web and do your things anonymously🚶‍♂️🚶‍♂️

[Abojani Investment 🇰🇪🇺🇬🇹🇿 @TheAbojani]

KCB Group releases its H1 2026 results today.

These are some of the key ratios/metrics to keep an eye on...

1. Cost-to-income ratio / Jaws ratio – check whether the bank’s operating efficiency is improving.

2. Loan-to-deposit ratio – how much of the bank’s deposits are being deployed as loans.

3. Non-funded income/total income ratio – how diversified the bank’s revenue is.

4. Return on Equity (ROE) – how efficiently a bank uses shareholders’ capital to generate profits.

5. Cost of risk – Cost of risk – Shows how much the bank is losing to credit losses relative to its loan book.

6. Net Interest Income (NII) – Shows how much the bank earns from lending after deducting interest expenses.

7. Loan-loss provisions – Higher provisions can signal increasing stress in the loan book & expectations of higher defaults.

8. NPL ratio – You generally want to see a low and declining NPL ratio.

9. Price-to-Book (P/B) ratio – market value of the bank vs the book value of its equity. Undervalued if below 1.

10. Profit attributable to shareholders – Look at the trend over at least 5 years to assess whether earnings are growing sustainably.

#ForPeopleForBetter @kcbgroup

[KISII FINEST @Bonnylouis078]

@dkobaye It's a game of supply and demand

[KISII FINEST @Bonnylouis078]

@lynn_ngugi1 Umeanza kuwa nongwe.. boring asf!

[Janet Machuka @janetmachuka_]

YouTube Documentaries to Binge Watch

1. Tales from the Organ Trade | The Black Market Explained - Moconomy

2. How Monaco's Billionaires Really Live - Our Stories

3. Your Parents Posted Your Entire Life Online | The Cost of Sharenting - ENDEVR

4. Inside the World’s Most Shocking Catastrophes - Extreme Earth

5. Texas True Crime: Tracking the Devil | Full Documentary - ABC13 Houston

6. Hours Of Parenting Rehab & Extreme Toddler Meltdowns - Only Human

7. The Lethal Drug Trial That Turned Men Into Elephants - Real Stories

[KISII FINEST @Bonnylouis078]

@Moha001_Onyango I do transactions from @I&M bank at zero costs.

[KISII FINEST @Bonnylouis078]

@Mbithe_Mulinge Did you recover it? If not there's someone who can do it. Let me know.

[KISII FINEST @Bonnylouis078]

@WaruhiuFranklin How about Kengen

[Derick™🇰🇪 @dkobaye]

Rule of thumb for beginners for investment in fundamentally solid stocks:

1. If price drops 10%, just hold
2. If price drops 20%, add 10%
3. If price drops 30%, add 30%
4. If price goes up 10%, just hold
5. If price goes up 20%, still hold
6. If price goes up 30%, sell 10%
7. If price goes up 40%, sell 20%
8. If price goes up 50%, sell 30%
9. If price goes up 60%, sell 40%
10. If price goes up 100%, sell all

Do you agree with it?

[KISII FINEST @Bonnylouis078]

@KE_MrBlack You're alone bois

[GISTE @ggiste]

Kwambiwa ununue shares is the easy part.

Kizingimkuti is knowing which shares to buy.

Hapo ndipo watu wengi wanalemewa.

When buying stocks, I consider four things.

1. Is the company profitable?

First, I check whether the company has been making money consistently. I look at the last five years. Has it been profitable? Has its profit been growing year after year?

2. How long will it take to recover my investment?

If I invest my money today, after how long will the investment pay for itself? This is what is called the Price-to-Earnings (P/E) Ratio.

Let’s use Equity Bank as an example.

In 2025, Equity Bank made KSh 75.5 billion in profit. The bank has 3.773 billion shares outstanding. This means each share earned approximately KSh 19.

Today, 30th July, an Equity Bank share is trading at around KSh 87.

If you buy a share for KSh 87 and that share earns KSh 19 every year, it would take about 4.5 years to recover your investment, assuming the bank continues making the same profit every year.

Let me explain it in a simpler way.

Suppose you have KSh 1 million and you build two bedsitters that each rent for KSh 7,000 per month. You’ll collect KSh 14,000 every month in rent.

At that rate, it would take almost 6 years to recover your KSh 1 million investment.

With Equity Bank shares, you’re recovering your investment in about 4.5 years.

3. Am I getting value for my money?

The third thing I consider is whether the share is being sold at a discount or at a premium. This is measured using the Price-to-Book (P/B) Ratio.

In simple terms, if Equity Bank were sold today and all its assets were distributed to shareholders, what would each share be worth?

Based on the bank’s book value, each Equity Bank share is worth about KSh 90. Yet today, it’s trading at around KSh 87.

That means you’re buying a share worth about KSh 90 for KSh 87—a bargain of roughly KSh 3 per share.

4. Will the company share its profits with me?

Finally, I look at whether the company pays dividends and what return I’ll earn from those dividends. This is known as the Dividend Yield.

In 2025, Equity Bank paid a dividend of KSh 5.75 per share, which translated to a 6.61% dividend yield.

In other words, if you had invested KSh 1 million, you would have earned approximately KSh 66,100 in dividend income.

These four factors—profitability, P/E ratio, Price-to-Book ratio, and dividend yield—are the first things I look at before buying any stock. They don’t guarantee a winning investment, but they help me make informed decisions instead of buying shares blindly.

Kama ni wewe ungebuy Equity Bank?

I hope umeelewa jomba..

[KISII FINEST @Bonnylouis078]

@EACinvestor @AIB_AXYSAfrica Sent emails last year, they've never responded.

[BNF @bnf_039]

I began investing in Stocks in Feb, with only KES 1K.I saved till it hit KES 5,000; my very first Stocks portfolio valuation.

With discipline, 6 months later, my valuation grew +500% (including cash) & up 9% (KES 1,800) in profits. sold $IMH & made 30% profits.

please start now

[KISII FINEST @Bonnylouis078]

@KeKirwa 🤣🤣

[KISII FINEST @Bonnylouis078]

@madkiqofficial @WaruhiuFranklin @cleuveschahasi @NSE_Investors @VickWealthHQ @2030Divah70555 Clueless fellow

[KISII FINEST @Bonnylouis078]

@kimthemerian @4Real_KE 🤣

[Mihr Thakar @MihrThakar]

I want you to think back to 2024, when CBK floated an IFB that offered a mouth-watering 18.46% return. For context, this was a secure, tax-free sovereign bond backed by the state with virtually zero risk.

Now, I know a lot of us looked at that 18% and thought...🧵

[MadkiQ @madkiqofficial]

If you trade on NSE, clear your calendar because August is the busiest month on the NSE calendar

EABL FY July 31
BAT July 23

August
1. 4th SCOM book closure
2.KCB 12th
3. Absa 12th
4. Coop 13th
5. Equity 20th
6. I&M 25th
7. NSE 28th
8. ​Sameer 21st
9. ​BK 27th
10. NCBA 27th

[KISII FINEST @Bonnylouis078]

@Jst_Abdul @Gitz__ This was in Kibra right?🤣

[Julians Amboko @AmbokoJH]

UPDATE: Finance Act 2026 Tax Amnesty guidelines.

The Revenue Authority has published the guidelines for the Tax Amnesty Programme that took effect on July 1st courtesy of Finance Act 2026.

What do you need to know?

· The automatic qualification for full waiver on outstanding interest & penalties is open to two categories of taxpayers:

1. No formal application is required for any taxpayers who cleared their principal taxes by 31st December 2025. You are eligible for automatic qualification for full waiver on outstanding interest & penalties

2. Taxpayers with no principal tax due but facing late filing penalties. The caveat here is that all outstanding returns must be fully filed to trigger the automatic amnesty

· Payment terms are as follows:

1. Taxpayers who make a lump sum payment of their outstanding pre-2026 principal tax will instantly receive a waiver on the corresponding penalties and interest

2. Taxpayers who are unable to make a lump sum payment will be required to apply for a structured payment plan via iTax. Important to remember that all principal taxes under the plan must be fully cleared by 31st December 2026 to qualify for the waiver

· What is not eligible under the current amnesty programme?

1. Tax liabilities arising on or after 1st January 2026
2. Principal amounts that are the subject of active litigation. KRA advises such taxpayers to utilise the Alternative Dispute Resolution (ADR) framework

[4 Capital @koech235]

Kijana ya Billionaire Wambugu apple @ @WaruhiuFranklin naona some two commas hapo. Acha kuficha tumeona the amount. Ama walimaliza huko Lavington ?