VICTOR AMADALA

The converged @SafaricomPLC @Safaricom_Care App has just cost me a money opportunity. What actually informed the mass mandatory migration decision?

Kenya's cost of money in international markets has come down relative to our peers. This is the direct benefit of our 2 straight years of currency stability and other macro-economic indicators and positive credit rating. Kenya, Benin and Egypt are the only African natiions in the international bonds market. The straits of Hormuz have been opened. The war is over. Let parliament now go back and reverse the reactionary changes they passed yestrday. Totally unnecessary and panicky. Will erode the fiscal and monetary gains of the last 2 years!

@KenyaPower_Care Kindly share tokens bought for this meter number 92113925140. It is urgent. Thanks

@KaberiaCommoner Sharp boy

MCA wa Chebunyo aliamua kutoka block kabisa. Since he was elected into office, he has never been seen in his ward. He enrolled in a South African aviation school where he trained as a Pilot. He says he will not be defending his seat and should not be bothered by anyone. He had previously vied for Chepalungu Constituency parliamentary seat and he became famous coz he was using a bicycle 🚲 to move around. He is now a licensed pilot. This earth will show us things.

NCBA Group FY 2025 results [KES, YoY]: ⬛ Net interest income: +27.7% to 44.1B ⬛ Non-interest income: +3.8% to 29.3B ⬛ Operating income: +16.9% to 73.3B ⬛ PBT: +10.9% to 27.9B ⬛ PAT: +7.0% to 23.4B ⬛ Total assets: +7.5% to 716.0B ⬛ Loans: +5.0% to 317.2B ⬛ Deposits: +5.9% to 531.9B ⬛ Provisions: +46.3% to 8.0B ⬛ EPS: +7.0% to 14.20 ⬛ DPS: +29.1% to 7.10

BREAKING: The first photos of @realDonaldTrump in active negotiations with Iran.

#NikoKadi, je wewe? Veery ready for 2027.

KRA has a new weapon. One that will make banks tremble when borrowers default. In simple terms, When a bank gives you a loan, it come in 2 components: - The principal (the money you borrowed) - The interest (the bank’s income) When borrowers default, banks usually curse them. And declare the loan a bad debt. And for years, all banks proceeded to deduct both the principal and the interest from their taxes. Meaning, KRA quietly absorbed part of their loss. But things have changed. KRA has won a major case against Premier Credit. The ruling backs KRA’s position that: - The principal portion of a loan is not tax deductible. It is a capital loss. Capital can not be deducted from taxes. - Only the interest is tax deductible. Interest is income. This lost income can be deducted from taxes. This means. - When a borrower defaults, the bank loses the principal. This is a serious blow for lenders. Because the principal is usually the largest part of the loan. It means bad lending behavior will now hurt much more. Banks will have to be far more careful about who they lend to. But before you celebrate and say wacha wapigwe. Understand what this means for you as a borrower: - Banks will issue fewer uncollateralized loans. - There will be stricter CRB screening. - Banks will introduce more hidden charges. - Banks will hire more mean looking recovery agents. In short, Access to easy credit is about to become... harder.

Sidian Bank continued to attract deposits from Gov't institutions, with latest financials showing KEMSA and Communications Authority of Kenya made their first deposit with the bank in the last financial year. Sidian grew customer deposits by Sh33.6B in the first 9 months of 2025

Two very important developments from Kenya's Communication Authority: · It has slashed the Mobile & Fixed Termination Rate (MTR) from Kes 0.41/minute to Kes 0.37/minute effective March 1st, 2026 running through Feb 28th, 2027 · It has provided a four year pathway on how MTR will be scaled down between 2027 & 2030 to Kes 0.30/minute The last time we saw mobile termination rates being lowered was March 2024 when this revised to Kes 0.41/minute from Kes 0.58/minute. Welcome development for the market, especially Airtel & Telkom, & certainly a welcome development for we the consumers.

A portfolio with Safaricom, EABL, KCB, HFCK, DTB, COOP, KPLC, Kenya Re has delivered an average return of about 60% to 80% YTD (excluding dividends) depending on allocation and rebalancing. Dividends will boost total returns for most of these stocks. This portfolio outperformed NSE indices like NASI which is up +49.5% YTD due to heavy exposure to the best performing stocks like KPLC, HFCK and Kenya Re. In Q2 2026 you will need to rebalance your portfolio. This means trimming your winners and accumulating more of the laggards (underperforming stocks). I will reduce the exposure to KPLC, HFCK, DTB, COOP, KCB, EABL and accumulate more Safaricom, StanChart, Stanbic, I&M, Kenya Re, and Car & General shares. I would allocate more weights to StanChart, I&M, Safaricom and Car & General in 2026. Learn more about allocation (weights) and portfolio rebalancing. @kahome_steve and I are hosting a personal finance and investment masterclass beginning from 12th to 30th January. Early Bird Offer: KES8,500 Pay via MPesa Till: 8536314 WhatsApp @kahome_steve via 0793 410 596 to be added to the class.

The Office of the Auditor General has flagged very significant gaps in the National Infrastructure Fund Bill No.1 2026. Breakdown below: · Clause No.5 empowers the Fund to borrow money but lacks explicit alignment with Article 206 of the Constitution & the Public Finance Management Act Cap 412A, (2012). The Office says this may lead to loopholes in the management & oversight of public funds · Clause No.6 on the constitution of the fund's board needs re-design to have some non-independent Directors with knowledge of matters on national infrastructure development in addition to the Principal Secretary to National Treasury · Clause No.12 empowers to the Board to invest in projects by way of equity and debt, surrender and dispose, but fails to be specific on procedural safeguards, specifically on competitive bidding or public auction, as required under the provisions of the Public Procurement and Asset Disposal Act, Cap. 412c, 2015 · Clause No.13 vests the mandate of remuneration of the Directors to the Cabinet Secretary, The National Treasury and does not mention the need for consultation with the Salaries & Remuneration Commission (SRC) · Clause No.21 Bill provides a wide mandate to the Board on developing an investment policy & monitoring the investment agreements, without making reference to The Investment Promotion Act (Cap 485B) which through Sec27, provides similar powers to the National Investment Council · Clause No.24 makes reference to development of standards by the Cabinet Secretary on the conduct of competitive tender processes, public participation, and timelines. However, all the indicated/mentioned areas are expressly provided for in the Public Procurement and Asset Disposals Act, 2012 & its Regulations, 2020. There is therefore, a potential risk of overlap &/or conflicts between the laws · Clause No.33 on withdrawals from the National Infrastructure Fund bypasses the Controller of Budget's mandate to authorise withdrawals from public funds. This creates a legal loophole where funds could be moved without the constitutional and PFM Act,2012 thresholds.

KenGen wants to sell power directly to large industrial consumers, opening up competition with Kenya Power once EPRA operationalises open access regulations. The push follows mounting payment delays from Kenya Power, which owes the KenGen ~KES 16.65B as of June 2025 More: standardmedia.co.ke/business/busin…

BANKS dividend announcements! 🏦 ​Here’s the lineup: 🔹 March 5: Absa 🔹 March 11: Stanbic & KCB 🔹 March 13: Co-op 🔹 March 17: Equity 🔹 March 18: SCBK 🔹 March 19: I&M 🔹 March 20: DTB 🔹 March 23: Citi & HF 🔹 March 24: Family, Prime Bank 🔹 March 25: Kakuzi 🔹 March 26: NCBA

In Nairobi, I signed on behalf of @GovUganda to formalize our participation in the IPO of the Kenya Pipeline Company (KPC) @kenyapipeline . Through the Uganda National Oil Company @UNOC_UG , Uganda will secure a strategic stake in this critical regional energy asset.

Are you a Samsung lover? Note that you have a chance to win: ~Galaxy Buds3 Pro ~Galaxy Watch8 ~A brand new 98-inch Crystal UHD TV only by registering for the #GalaxyUnpacked virtual watch party set for February 25 at 9:00 pm REGISTER to WIN samsung.com/africa_en/unpa… @SamsungMobileKE #GalaxyAI

Kenya has launched a tender offer to buy back up to $350M of its 8.00% 2032 Eurobond at 105.5% and up to $150M of its 7.25% 2028 Eurobond at 103.5%, funded by new USD notes expected to be issued today. This is a liability management exercise to smooth the 2028 and 2032 maturities, with allocation preference on the new bonds likely given to investors who tender. More details: —Total maximum cash outlay is $500M, inclusive of accrued interest. —The offer expires 25 February, with settlement expected 3 March, subject to successful new issuance. —Minimum tender size is $200,000 in principal, in $1,000 increments thereafter. —Kenya retains discretion to upsize, downsize, or reject tenders entirely. —Any bonds repurchased will be cancelled, reducing outstanding external commercial debt. —Bloomberg data shows that the secondary yields this morning eased to 6.14% on the 2028 and 7.14% on the 2032, indicating improved market pricing ahead of the transaction

Makini Schools and Crawford Int. Schools in Kenya generated a combined profit before tax of Sh503 million in 2024. — Profit Before Tax: +72% to 503M Makini Schools and Crawford Int. Schools are owned by ADvTECH Group in South Africa & have a total of 9 school campuses in Kenya.

You promoted your best salesperson to sales manager. Six months later, they're struggling, and you're wondering what went wrong. This happens everywhere. We promote our best doers into management, then wonder why they can't lead. Here's why: 1/4

Ethiopia’s central bank has relaxed FX rules, including allowing exporters to retain 100% of FX proceeds, banks to issue international cards, investors to repatriate dividends without prior approval & residents to remit up to $3kwith documentation: