The document contains data on average deposit values per account for various Kenyan banks. Citibank has the highest average deposit value at KShs. 22 million per account, while Jamii Bora Bank has the lowest at KShs. 12,378. The six largest banks by assets, deposits, capital, and accounts are KCB, Equity, Co-op Bank, Standard Chartered, Barclays and CFC Stanbic. However, mid-sized banks have larger average deposits per account than large or small banks.

1. Did you know:
Data: Average value of deposit per deposit account – KShs.
Citibank
DBK
Victoria Comm
Mid. East Bank
22,006,000
3,476,500
2,520,333
1,953,500
Prime Bank
1,596,304
NIC
1,489,731
Fidelity
1,315,875
BOI
1,305,857
Habib
1,298,750
Guardian
1,296,750
Equatorial Comm.
1,296,300
Citibank has the ‘richest’ client base in the
business… Average value of deposit per client?
KShs. 22million.
Data: Average value of deposit per deposit account – KShs.
FCB
187,936
TransNational
176,622
KCB
Conversely, ‘poorest’ client
base… Jamii Bora. Average
value of deposit per client?
KShs. 12,378
174,196
BBK
121,618
NBK
116,192
CBA
75,184
Co-op
69,762
K-Rep
31,517
Family
21,417
Equity
19,970
Jamii Bora
Source: Bank Supervision Annual Report 2012 – Central Bank of Kenya
12,378

2. Does Size Matter?
9%
4%
9%
10%
20%
38%
35%
38%
Yes, apparently. The 6
largest banks* in Kenya
control:
• 53% of net assets
76%
53%
56%
52%
• 52% of total deposits
• 56% of total capital and
Net Assets
Total Deposits
Large Banks
Total Capital
Medium Banks
Deposit
Accounts
• 76% of deposit accounts
Small Banks
Source: Bank Supervision Annual Report 2012 – Central Bank of Kenya
* The 6 largest banks are KCB, Equity, Co-op Bank, Standard
Chartered, Barclays and CFC Stanbic in that order

3. Does Size Matter?
Not necessarily. The larger banks have smaller average deposit per account. “Mid-sized”
banks have the largest deposits. Even “Small-sized” banks have larger deposits than
“Large-sized” banks.
2,167,687
940,157
344,466
Large Peer Group
Medium Peer Group
Small Peer Group
Data: Average deposit amount per deposit account holder - KShs
Source: Bank Supervision Annual Report 2012 – Central Bank of Kenya