Central Bank of Kenya
Appendix III
BANKING SECTOR DISCLOSURES 2005 1) a) b) c) d) e) f) g) 2) a) b) c) 3) a) b) c) 4) a) b) c) d) e) f) g) h) i) j) k) l) m) n) o) 5) a) b) c)
2006
Banks NBFIs Total % of tot Banks NBFIs Total % of total NON-PERFORMING LOANS AND ADVANCES 99,053 7,486 106,539 95,616 5,075 100,691 Gross non-performing loans and advances Less: 34,544 3,365 37,910 33,200 2,115 35,315 Interest in suspense 64,509 4,121 68,629 62,416 2,960 65,376 Total non-performing loans and advances(a-b) Less: 37,875 1,141 39,016 40,640 1,077 41,718 Loan loss provision 26,633 2,980 29,613 21,776 1,882 23,658 Net Non-performing Loans (c-d ) 26,604 2,975 29,579 21,975 1,882 23,857 Discounted value of securities 29 5 34 -199 (199) Net NPLs Exposure (e-f) INSIDER LOANS,ADVANCES AND OTHER FACILITIES 23,978 175 24,153 28,146 185 28,331 Directors, shareholders and associates 10,522 257 10,779 11,834 355 12,189 Employees 34,500 432 34,932 39,980 541 40,520 Total Insider Loans, Advances and Other Facilities OFF BALANCE SHEET 74,794 153 74,947 94,029 157 94,187 Letters of credit, guarantees, acceptances 128,649 37 128,686 179,066 36 179,102 Other contingent liabilities 203,442 190 203,632 273,095 194 273,288 Total Contingent Liabilities CAPITAL STRENGTH 72,980 2,319 75,299 81,550 3,012 84,563 Core capital 250 200 250 200 Minimum statutory capital Excess/(defficiency) 3,832 483 4,315 2,861 230 3,091 Supplementary capital 76,812 2,802 79,614 84,411 3,242 87,653 Total capital (a + d) 457,007 14,308 471,314 498,586 14,386 512,972 Total risk weighted assets 15% 14% 14% 14% 17% 14% Core capital/total deposit liabilities 8% 8% 8% 8% 8% 8% Minimum statutory ratio 7% 6% 6% 6% 9% 6% Excess/(defficiency) 16% 16% 16% 16% 21% 16% Core Capital/Total Risk Weighted Assets 8% 8% 8% 8% 8% 8% Minimum Statutory Ratio 8% 8% 8% 8% 13% 8% Excess/(Defficiency) 17% 20% 17% 17% 23% 17% Total capital/total risk weighted assets 12% 12% 12% 12% 12% 12% Minimum Statutory Ratio 5% 8% 5% 5% 11% 5% Excess/(Defficiency) Liquidity 42% 33% 41% 46% 35% 44% Liquidity ratio 20% 20% 20% 20% 20% 20% Minimum Statutory Ratio 22% 13% 21% 26% 15% 24% Excess/(Defficiency) (a-b)
Bank Supervision Annual Report
51
Growth -5.5% -6.8% -4.7% 6.9% -20.1% -19.3% -677.0% 17.3% 13.1% 16.0% 25.7% 39.2% 34.2% 12.3%
-28.4% 10.1% 8.8%