The Kenyan Government has opened an INFRASTRUCTURE BOND to raise 60Bn.
What does this mean for Kenyan investors?
📌SAVE THIS TWEET
Understanding INFRASTRUCTURE BONDS
<<A THREAD>>
This is how much you need to open a Special Fund Account;
1. Kuza Special Fund - sh 100,000
2. Arvocap Almasi S. Fund - sh 100,000
3. Etica Special Fund - sh 250,000
4. Mansa X Special Fund - sh 250,000
5. OAK Special Fund - sh 500,000
Absa Kenya: A Decade of Financial Transformation (2016–2025) 📊
Over the last decade, Absa Bank Kenya has quietly built one of the strongest financial growth stories in Kenya’s banking sector.
The numbers tell the story.
📈 Revenue Growth
Revenue grew from KES 31.6B in 2016 to KES 61.4B in 2025.
• 10-Year Growth: +94%
• 10-Year CAGR: 7.64%
• 5-Year CAGR: 14.02%
The acceleration in recent years suggests stronger strategic execution post-2020.
💰 Profitability Surge
Profit after tax increased from KES 7.4B in 2016 to KES 22.9B in 2025.
• Total Growth: +209.6%
• 10-Year CAGR:13.38%
• 5-Year CAGR: 20.48%
This means profits grew more than twice as fast as revenue, signaling improved efficiency and margin expansion.
🏦 Balance Sheet Expansion
Over the same period:
• Total Assets:KES 259.7B → KES 537.6B
• Customer Deposits: KES 178.2B → KES 372.4B
• Loans & Advances:KES 168.5B → KES 312.2B
The bank nearly doubled its balance sheet in 10 years.
📊 Shareholder Value
Equity grew from KES 42.4B in 2016 to KES 100.5B in 2025.
Return on Equity remained strong, peaking above 27% in 2024.
Few banks consistently generate ROE above 20% over multiple years.
📌 The Big Picture
Over the last decade, Absa Kenya generated:
• KES 419B in revenue
• KES 119B in net profit
A clear sign of a bank that has strengthened both scale and profitability.
Key takeaway:
Revenue nearly doubled — but profits tripled.
That’s what operational leverage looks like in banking.
Any investment bank that valued KPC at anything above ksh.5 should never be taken seriously.
They tried too hard to convince retail investors to buy yet they have zero allocations in the IPO for their equity funds and special funds
If it is undervalued as they claim, why are they not buying?
For those with cash, as the year is winding down, you can consider having the following stocks in your portfolio:
1. Safaricom sh 28.50
2. KCB sh 56.00
3. Equity sh 60.00
4. Coop Bank sh 22.00
5. Absa Bank sh 22.00
6. Diamond Trust bank sh 105.00
7. East African Breweries sh 230.00
8. Total Kenya sh 36.00
9. Kenya Power sh 12.00
10. KenGen sh 8.00
11. NCBA sh 76.00
12. Stanbic Holding sh 190.00
13. I&M bank sh 45.00
14. Carbacid Investment sh 26.00
15. Boc Kenya sh 120.00
What should we add to the list?
NSE Market Wrap – 21 October 2025
TOP GAINERS
1. NCBA Group Plc: KES 91.25 (+9.61%)
2. Olympia Capital Holdings: KES 6.98 (+8.72%)
3. Home Afrika Ltd: KES 1.19 (+5.31%)
4. Kenya Power: KES 13.70 (+4.98%)
5. BOC Kenya: KES 133.75 (+3.68%)
TOP LOSERS
1. Kapchorua Tea Kenya: KES 319.50 (-10.00%)
2. Flame Tree Group Holdings: KES 1.41 (-7.24%)
3. TotalEnergies Marketing Kenya: KES 33.75 (-3.85%)
4. Sameer Africa Plc: KES 13.75 (-3.17%)
5. Centum Investment Plc: KES 13.90 (-3.14%)
MARKET INDICES
- NASI: 177.72 (+0.75%)
- NSE 20: 3,006.77 (+0.74%)
- NSE 10: 1,781.09 (+0.75%)
- NSE 25: 4,745.80 (+1.36%)
- BANK INDEX: 159.12 (-1.54%)
Avoid these pitfalls on your journey to financial freedom:
- Say no to Credit Card Debt
- Skip the Buy Now Pay Later trap
- Don't neglect the power of Budgeting
- Don't skip Passive Income opportunities
- Don't forget to build an Emergency Fund
- Start Retirement Planning now, not later
And remember, prioritize Health like you prioritize your morning Starbucks.
Avoid these pitfalls on your journey to financial freedom:
- Say no to Credit Card Debt
- Skip the Buy Now Pay Later trap
- Don't neglect the power of Budgeting
- Don't skip Passive Income opportunities
- Don't forget to build an Emergency Fund
- Start Retirement Planning now, not later
And remember, prioritize Health like you prioritize your morning Starbucks.
SACCOs vs Money Market Funds: Which One Should You Choose?
SACCOs and Money Market Funds are both popular ways for Kenyans to save and invest their money.
However, the two have different benefits and drawbacks, depending on your individual needs and goals.
A Thread! 🧵
Income is not wealth.
Wealth is income not spent.
Savings are not investments.
Investments are savings held in cash generating assets.
You first earn, then save, then invest!