1. Diaspora Edition, January 2013, Issue No. 12
Group Managing Director
Thank you.
Welcome to 2013!
January is a time of reflection for the ABC family. And as we look back on 2012, its highs and lows, our successes and failures, I am
encouraged by the strides we have made in what we considered to be a transition year for the Bank.
Some of the key highlights of 2012 include:
• The completion, launch and the start of implementation of our five year strategy, thereby laying a firm foundation for our
planned growth. There were many discussions and heated debates during the strategy process, but I am happy to say that we
forged a consensus with a shared vision for the future. The process demonstrated to me, how passionate Team ABC is to deliver
‘the extraordinary’ to our customers and other stakeholders.
• The roll out of our change management program, including the culture change training aspects of the program. The sheer
enthusiasm with which this has been received in the organization has been very rewarding; even more rewarding is seeing the
training translate into action among the staff.
• The launch of our internet banking and Mastercard debit projects. These will be rolled out in the first half of this year, and we
thank our customers for their patience and continued loyalty to the Bank. We have many other projects in the pipeline, which we
believe will be game changers for our customers, so watch this space!
• Significant growth in staff numbers, in branch network, and in total assets and profitability.
Our journey, to become the financial services provider of choice in the East African region is well underway, and we are indebted to our customers for their
continued support to us.
But while we know we have made progress in some areas, we also recognize that we still have some distance to cover in others. As we start the year, we are
alive to the fact that we need to reach even higher, and strive to do greater things for the larger ABC family - our customers, shareholders and the larger public.
These are our priorities in the new year!
Your feedback is much appreciated, so please keep it coming-talk2us@abcthebank.com
I wish you all a blessed year, and pray for peace and prosperity for our beloved country, Kenya.
HAPPY NEW YEAR!HAPPY NEW YEAR!What are your 2013 resolutions?

2. Start saving for your future with the
ABC Pure Savers Account
and enjoy interest rates of up to 9.25 % p.a
For more information contact us via:- Tel: +254 (20) 4263300 Ext. 1258 or 2251540 Ext. 3330
Email: talk2us@abcthebank.com
Products and Services Diaspora Banking
2013 is here – Here’s how to start saving!
ABC Vision’s Q & A with Amanda Corline, Head of Retail Banking
Q: is it possible to have more than one account linked to my internet banking account?
A: Hello. thank you for writing to us,
Yes you can have more than one account linked to your internet banking account. I have attached the
internet banking form kindly fill in the form indicating the accounts ( in the account details section)
that you would want to be linked to internet banking. If you have any other query or inquiry do not
hesitate to contact us. Thank You so much for being our customer. Happy Christmas!
Rosemary Kiboro Officer Quality Service
Q: Hi. I operate a Kisima account for which a standard monthly charge of KShs 495 is levied on my
account. This has always been this way since I opened the account several years ago and Iam okey
with this arrangement.In the month of December 2012, the standard charge was levied on 31 Dec
2012, as per below. However, I note that on 28 December 2012, another charge of KShs 1,200 was also
debited to my account. This is a wrongful charge and I object to the same. This transaction should be
revised to reinstate my account to the correct cash position.
A: : Thank you for writing to us.The debit of Kes 1200 reflecting in your account is a recovery for online
banking charges which is done annually. Online banking is charged separately from any charges of an
account because it is a service on its own. Should you feel that you require further information please
do not hesitate to contact us. Thank you so much for being our customer and for the support. Have a
nice day and a blessed new year. Kind regards, Rosemary Kiboro Officer Quality Service
Q: : Im an abc bank account holder in libra house branch. please can you open for me internet
banking account?
A: Thank you for writing to us. For us to set you up for online banking you are required to send us
instructions. by completing an internet banking application form and an email indemnity. form both
duly signed by yourself. Please complete the attached forms and send them back to us. We look
forward to hearing from you. Thank you so much for banking with us. Have a nice day. Kind regards,
Rosemary Kiboro Officer Quality Service
Interested? talk2us@abcthebank.com
Expect great things in 2013!
The ABC Bank Diaspora department is off to a great start this year! I thank all our customers for their
support in 2013. Indeed, through very difficult times, you have supported us and remained loyal to the
Bank. As we look back over 2012, several achievements come to mind:
1. The roll out of our revamped accounts including the target and pure savers accounts. These
accounts, by paying higher rates of interest, are geared towards making it easier for our customers
to save in local currency back home.
2. The launch of our investments bulletin early last year. That several of our customers have acquired
property and made investments on the Nairobi Securities Exchange (NSE) through this channel
brings us great joy. We intend to further expand this bulletin to include other avenues of
investment in other regions of the country. In addition, our partners, Developing Afrika Limited,
will be putting together a comprehensive channel to guide customers who would wish to
undertake major construction projects in 2013.
3. Access to air ticket purchase services, at discounted rates. This service has proven overwhelmingly
popular, and in 2013 we will be seeking additional partnerships and greater discounts for customers.
Our focus for 2013 is to take diaspora banking to a whole new level through unparalleled service and
convenience. To give you a sneak preview of what we have in store:
1. We will be launching an exclusive website for our diaspora customers in the first half of the year.
Through this channel, customers will access a wealth of information and tools to help them make
better investment choices and manage money better. Services on this platform will largely be
automated, meaning that filling in numerous forms will be a thing of the past.
2. The expansion of our branch network, as well as our electronic channels remains a priority. Key
among the channels to be rolled out in the first half of the year are upgraded internet banking and
Mastercard debit cards.
3. We will continue to seek out new opportunities in different markets. This year, we will be looking
to new markets in Europe and the US as we seek to increase access to our products and services.
4. For our existing customers, our focus is on providing unparalleled service in 2013. We recognize
that there is room for improvement in our responsiveness and make a commitment to our
customers to do even better this year.
We look forward to growing together. Happy 2013!
Ann Wanja
Diaspora Banking

3. ABC Highlights
Introducing our General Manager, Group Business Development
We are pleased to introduce Mr. Peter Kinyanjui, who joined ABC Bank Group in October 2012 as General Manager, Group Business Development.
Mr. Kinyanjui holds a Bachelors of Science (HONS) in Business Administration, an MBA in Strategic Management and is also an Associate of the
Chartered Institute of Bankers London and a Fellow of the Kenya Institute of Bankers. He is an experienced professional banker, with excellent
team leadership, high level planning, organizational design and transformational skills.
He possesses a wealth of practical experience and skills in all aspects of banking and management, acquired during his rich banking career
spreading over twenty five (25) years in various senior and Executive Management positions held at Family Bank, Industrial Development Bank
(IDB), and Barclays Bank. He is well known for ground breaking initiatives in the Kenyan banking industry, and his joining presents ABC Bank
Group the opportunity to optimally leverage our synergies across our various businesses-banking in Kenya and Uganda, insurance and capital
markets.
Peter can be reached on (020) 4263 015 or peter.kinyanjui@abcthebank.com
We are offering customers a choice of the following frequencies
for email statements:
• Daily
• Weekly
• Fortnightly
• Monthly
• Quarterly
• Half yearly
• Yearly
Frequencies of hard copy statements will remain as they are currently.
Instant email alerts are available for the following transactions
• Cash deposit
• Cheque deposit
• ATM withdrawal
• Over the counter withdrawal
Write to us today if you would like to enjoy these
services and we will send you the application forms!
WE ARE INTRODUCING E-STATEMENTS AND EMAIL TRANSACTION ALERTS!
+254 (20) 4263000 talk2us@abcthebank.com

4. The Kenya shilling weakened gradually
in the month of December touching a
low of 86.20 during the period.
The following factors contributed to the
shilling’s slide;
• Kenya’s Year-on-year inflation fell for a 12th straight month in November
to 3.25% with investors betting that it would give room for central bank
to lower the benchmark rate in January
• Low yields in government securities which led to reduced participation
of foreign investors in T-bill & T-Bond auctions, hence reduced dollar
inflows.
• Increased importer demand for dollars as the retail traders prepared for
the festive season.
ABC Highlights
Kenya Shilling Report For The
Period 20th November-20th
December 2012
ABC Bank Treasury
Research is at the core of our business.
We now conveniently offer you custodial and financial services
at your nearest ABC Bank branch countrywide.
• Shares trading • Custodial Services
•Treasury bills and bonds trading • Portfolio Management
For more information contact us on talk2us@abcthebank.com or
Tel: (020) 2251540 Ext 3330) or (020)4263000 Ext 1258)
Highlights
Opening Rate: 85.50
High for the Period: 86.20
Low for the Period: 85.40
Closing Rate: 85.90
Range for the Period: 85.40 – 86.20
Range for the Period: 84.10 – 85.35
KES OUTLOOK GOING FORWARD
We expect the shilling to trade in the 85.50 to 86.50 range in the coming days.
There is an MPC rate decision meeting in early January and market expects
further rate cut. Also the political environment is a factor to watch going
forward.
Value
/USD
20 21 22 23 26 27 28 29 30 03 04 05 06 07 10 11 12 13 14 17 18 19 20
November 2012 December 2012
Daily QKES=
Line, QKES=, Bid(Last)
20/12/2012, 85.75
20/11/2012 - 20/12/2012 (UTC)
Price
/USD
85.95
85.9
85.85
85.8
85.75
85.7
85.65
85.6
85.55
85.5
85.45
60
40
20
123
12

5. talk2us@abcthebank.com for more information.
Price Ksh 1 Million Per Acre.
The farm has 6 acres with mature mango and coconut
trees.
Mtwapa farm 6acres
Price Ksh 2 Million Per Acre.
1/8 Acre fully serviced gated community plots, 2nd row
from the beach, near Mtwapa beach hotel.
Mtwapa 1/8 acre plot
INVESTMENT OPPORTUNTIES
PROPERTY INVESTMENTS

6. PROPERTY
talk2us@abcthebank.com for more information.
Mtepeni farm 6acres
Treat yourself to an unforgttable getaway from the busy
town life to this finely located farm in mtepeni. The farm
has 6 acre with mature mango and coconut trees. The
view of the country is breath taking and you will be left to
not want to leave as you listen to the birds chirping in the
neighbourhood the farm is 6 acres in tatal.
Sale price : Kshs 1.6 million per acre
Kitengela, Bungalow
The house is in Kitengela - New Valley Estate. Its on stand
alone 1/8 plot of land. Fully done 3 bedroomed bungalow
ceramic tiled floor. Master ensuite with a separate
common toilet and bathroom. Spacious kitchen and store.
Water and electricity available.
Its 2 kms off Namanga road . Clean Title Deed and autho-
rized drawings.
Sale price : Kshs 4.6 million

7. Customer Feedback
You are the reason
we came to work today.
Email talk2us@abcthebank.com
Facebook www.facebook.com/abcthebank
Chat www.abcthebank.com
Phone +254 (20) 4263000
Q: is it possible to have more than one account
linked to my internet banking account?
A; Hello. thank you for writing to us,
Yes you can have more than one account linked to
your internet banking account. I have attached the
internet banking form kindly fill in the form indicating
the accounts ( in the account details section) that
you would want to be linked to internet banking. If
you have any other query or inquiry do not hesitate
to contact us. Thank You so much for being our
customer. Happy Christmas!
Rosemary Kiboro Officer Quality Service
Q: Hi. I operate a Kisima account for which a standard monthly charge of
KShs 495 is levied on my account. This has always been this way since I
opened the account several years ago and Iam okey with this
arrangement.In the month of December 2012, the standard charge was
levied on 31 Dec 2012, as per below. However, I note that on 28 December
2012, another charge of KShs 1,200 was also debited to my account. This is
a wrongful charge and I object to the same. This transaction should be
revised to reinstate my account to the correct cash position.
A: Thank you for writing to us.The debit of Kes 1200 reflecting in your
account is a recovery for online banking charges which is done annually.
Online banking is charged separately from any charges of an account
because it is a service on its own. Should you feel that you require further
information please do not hesitate to contact us. Thank you so much for
being our customer and for the support. Have a nice day and a blessed new
year. Kind regards, Rosemary Kiboro Officer Quality Service
Q: Im an abc bank account holder in libra house
branch. please can you open for me internet
banking account?
A: Thank you for writing to us. For us to set you
up for online banking you are required to send us
instructions. by completing an internet banking
application form and an email indemnity. form
both duly signed by yourself. Please complete
the attached forms and send them back to us.
We look forward to hearing from you. Thank you
so much for banking with us. Have a nice day.
Kind regards, Rosemary Kiboro Officer Quality
Service
Dear Customer,
Are you in Kenya or in any other country in the
world?No matter where you are, you can now
easily send us your complaints, compliments
and queries. We are all ears on: