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Kenyan Business Feed
  • Home
  • News
    Exclusive: What it Takes to Lead a Multi billion Sacco in Kenya

    Exclusive: What it Takes to Lead a Multi billion Sacco in Kenya

    Kenyan SMEs to benefit from Sh11 billion support from UK’s CDC Group

    Kenyan SMEs to benefit from Sh11 billion support from UK’s CDC Group

    Kenyan PR agency bags international award

    Kenyan PR agency bags international award

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    Startimes land broadcast rights for Continental showpiece

    Kenyan Scientists Discover New Coronavirus modification

    Kenyan Scientists Discover New Coronavirus modification

    Israel set to showcase agricultural innovations in Embu

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    Dandora dumpsite to produce electricity through a waste-to-energy plant model

    Dandora dumpsite to produce electricity through a waste-to-energy plant model

    Reprieve for Kenya as China says this about its loans

    Reprieve for Kenya as China says this about its loans

    Emirates among first airlines to try IATAs’ digital platform for COVID-19

    Emirates among first airlines to try IATAs’ digital platform for COVID-19

  • Markets
    Exclusive: What it Takes to Lead a Multi billion Sacco in Kenya

    Exclusive: What it Takes to Lead a Multi billion Sacco in Kenya

    Kenyan PR agency bags international award

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    Startimes land broadcast rights for Continental showpiece

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    Israel set to showcase agricultural innovations in Embu

    Israel set to showcase agricultural innovations in Embu

    Emirates among first airlines to try IATAs’ digital platform for COVID-19

    Emirates among first airlines to try IATAs’ digital platform for COVID-19

    Moet & Chandon ink partnership with premier restaurant Oysters & More

    Moet & Chandon ink partnership with premier restaurant Oysters & More

    Sarova introduces new brands as it diversifies into standalone restaurants

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    Tatu City Partners with Konza to Attract Investors to Kenya

    Tatu City Partners with Konza to Attract Investors to Kenya

    LG unveils premium monitors

    LG unveils premium monitors

  • Real Estate
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    Tatu City partners with Konza to attract investors to Kenya

    Tatu City Partners with Konza to Attract Investors to Kenya

    Tatu City Partners with Konza to Attract Investors to Kenya

    National Bank and Octagon ink 100 billion service partnership

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    Real Estate: Cytonn invites bids for this 4 acre piece of prime land in Kilimani

    Mizizi Africa Homes voted best low cost housing developer 2020

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    32% of Kenyans to change houses over Covid-19

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    Cytonn Real Estate completes The Alma Phase 3; 120 units set for handover

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    Serviced Apartments Record Decline in Rental Yields

  • Tech
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    Pesalink appoints Gituku Kirika as CEO

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    Unreliable KPLC sends KBL on a power making venture

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Home KBF

HF Group borrows Sh1.9bn at 18pc, lends at 10pc

by Kenyan Business Feed
May 19, 2019
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Companies

HF Group borrows Sh1.9 billion at 18pc

Sunday, May 19, 2019 21:00


By CHARLES MWANIKI

Robert Kibaara
HF Group CEO Robert Kibaara. FILE PHOTO | NMG 

Mortgage financier HF Group #ticker:HFCK is servicing two loans worth Sh1.95 billion at a rate of more than 18 percent while lending at 10.72 percent, underlining the company’s negative margins.

The high-priced loans, whose rate is above the maximum interest of 13 percent by local commercial banks, signals the company’s relatively lower creditworthiness.

Disclosures in HF’s annual report for 2018 show that it has an outstanding balance of Sh1.49 billion on a loan owed to Crescent Finco LLP, which it is servicing at an annual rate of 18.5 percent.

HF group’s fully owned subsidiary HF Development and Investment Limited, which was formerly known as Kenya Building Society, is servicing a loan taken up from Shelter Afrique in 2015 at 18.7 percent, with a balance of Sh454 million outstanding at the end of last year.

HF also holds a short term loan facility of Sh516.3 million from fellow listed lender NIC Bank #ticker:NIC, for which it is paying interest at 14 percent per annum.

“The loan balance from Crescent Finco LLP as at December 31 2018 was Sh1.49 billion at an effective rate of 18.5 percent,” said HF in the report.

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“The Shelter Afrique loan is at (Shelter Afrique’s) base rate currently at 18.7 per cent…both interest and principal are payable on a quarterly basis. The loan balance as at December 31, 2018 was Sh454.04 million.”

The Shelter Afrique loan is for the development of housing units at Komarock Estate in Nairobi’s Eastlands.

HF made a net loss of Sh598.2 million last year, compared to a profit of Sh126.2 million in 2017 on the back of lower interest income. In total, HF’s outstanding loans and borrowings as at December 2018 stood at Sh10.4 billion, down from Sh12.9 billion at the end of 2017.

This fall was largely due to paying down a Sh309 million shilling facility held at Cooperative Bank and another of Sh591 million from the International Finance Corporation (IFC). HF also reduced debt owed to Ghana International Bank by Sh510 million to Sh1.55 billion, European Investment Bank by Sh498 million to Sh3.3 billion and Symbiotic SA by Sh469 million to Sh1.34 billion.

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