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Full list of Tier 1, 2, and 3 banks in Kenya

Jane Muia
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Full list of Tier 1, 2, and 3 banks in Kenya

KCB Group remained Kenya’s largest commercial bank by market share at the end of 2025, accounting for 17.3 per cent of the banking sector, according to data from the Central Bank of Kenya (CBK).

Equity Bank ranked second with 11.8 per cent, followed by Co-operative Bank at 9.4 per cent. NCBA held fourth position with 7.9 per cent, while Absa Bank Kenya, Stanbic Bank and I&M Bank recorded 6.4 per cent, 5.8 per cent and 5.6 per cent, respectively. Diamond Trust Bank (DTB) also posted a 5.6 per cent share.

The figures are contained in the CBK Bank Supervision Annual Report 2025, which groups banks according to their relative market size.

The regulator uses a weighted market-size index to determine the peer groups, rather than relying solely on the size of a bank’s assets. The assessment takes into account total net assets, deposits, shareholders’ funds, as well as the number of deposit and loan accounts.

Based on the CBK classification, Kenya’s 39 commercial banks operating at the end of December 2025 were divided into three categories.

Tier 1 — Large banks

  1. KCB — 17.3%
  2. Equity Bank — 11.8%
  3. Co-operative Bank — 9.4%
  4. NCBA — 7.9%
  5. Absa Bank Kenya — 6.4%
  6. Stanbic Bank — 5.8%
  7. I&M Bank — 5.6%
  8. Diamond Trust Bank — 5.6%

Together, the eight large banks controlled 69.7 per cent of the market.

Tier 2 — Medium banks

  1. Standard Chartered Bank Kenya — 4.5%
  2. Prime Bank — 4.3%
  3. Bank of Baroda — 2.6%
  4. Family Bank — 2.4%
  5. Citibank Kenya — 2.1%
  6. Bank of India — 1.6%
  7. National Bank of Kenya — 1.5%
  8. SBM Bank Kenya — 1.1%
  9. Sidian Bank — 1.1%
  10. Ecobank Kenya — 1.0%
  11. Housing Finance (HF) — 1.0%

The 11 medium-sized banks collectively accounted for 23.2 per cent of the sector.

Tier 3 — Small banks

  1. Victoria Commercial Bank — 0.8%
  2. Gulf African Bank — 0.6%
  3. Bank of Africa Kenya — 0.5%
  4. GTBank Kenya — 0.5%
  5. ABC Bank — 0.5%
  6. Kingdom Bank — 0.5%
  7. Habib A.G. Zurich — 0.4%
  8. Dubai Islamic Bank Kenya — 0.4%
  9. Premier Bank Kenya — 0.4%
  10. CIB Kenya — 0.3%
  11. Credit Bank — 0.3%
  12. Development Bank of Kenya — 0.3%
  13. Middle East Bank Kenya — 0.3%
  14. Guardian Bank — 0.2%
  15. Paramount Bank — 0.2%
  16. M-Oriental Bank — 0.2%
  17. UBA Kenya — 0.2%
  18. Access Bank Kenya — 0.2%
  19. Consolidated Bank of Kenya — 0.2%
  20. Spire Bank — 0.0%

The 20 banks in the small-bank category collectively held 7.1 per cent of the market.

The ranking came as the Kenyan banking industry recorded continued expansion in balance-sheet size. CBK said total net assets held by commercial banks rose by 10.3 per cent to Sh8.35 trillion in December 2025, up from Sh7.57 trillion in December 2024.

Also Read: How Nakuru couple grew Quickmart into a national retail chain

How businessman Peter Muthoka made Sh2.5 billion profit from JKIA business deal

James Oundo
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How businessman Peter Muthoka made Sh2.5 billion profit from JKIA business deal
Businessman Peter Muthoka made Sh2.5 billion in profit from the sale of his business at the Jomo Kenyatta International Airport (JKIA). In this multi-billion deal, Mr. Muthoka sold his cargo business TransGlobal Centre Limited to Çelebi GMBH. The value of the transaction from which this profit was netted from was Sh5.2 billion.

Muthoka’s JKIA business had been operating at the JKIA under the brand name Africa Flight Services (AFS). AFS was no small fish in the cargo business. According to data from the Kenya Airports Authority, AFS (Africa Cargo Handling) handled 33 percent of exports ahead of Kenya Airways Cargo which handles 22 percent of exports. However, when it came to imports, AFS handled 20 percent with Kenya Airways handling 32 percent.

According to the latest annual report from the buyer, Transglobal Cargo Centre (TCC) had tangible assets that were equivalent to 833.2 million Tukish Lira as of December 23, 2025 when it acquired Muthoka’s business via its subsidiary Çelebi Cargo GMBH. The total purchase consideration was higher at 1.63 billion Turkish Lira, representing a premium of 95.8 percent.

“Çelebi GMBH acquired all shares held by the principal shareholder of Transglobal Cargo Centre, a company… providing ground handling, air cargo, and warehouse services at Jomo Kenyatta International Airport, on 23 December 2025, for a consideration of USD40.1 million, in line with the company’s international growth strategies and to enhance synergy among group companies,” the annual report stated.

In the sale, Çelebi GMBH had noted that the aviation market in Kenya is forecast to grow at an average rate of 5 percent per year over the next five years, significantly outpacing the International Air Transport Association’s projected global average of 3.3 percent.

“Kenya is a key gateway for trade and cargo flows across East and Central Africa. We are going to combine AFS’s strong local expertise with Çelebi’s global experience, modern systems and operational standards to support Kenya’s ambitions as a regional trade and logistics hub,” Çelebi Aviation chief executive officer Dave Dorner had said.

On his decision to sell, Muthoka had said that he was convinced that it was time for him to venture into other areas of investment. “I have done my best in this business. We have the best service and best equipment, [but now] I want to invest in other things,” he said.

Peter Muthoka: Why I sold my JKIA business to Germans at Sh5.2 billion

Mr. Muthoka further noted that part of the money he got from the sale of this business has been used to repay a debt that the business had taken to upgrade its facilities. He also noted that while he has sold off 100 percent of TransGlobal, he will still maintain some presence in the logistics business through Acceler Global Logistics, which is one of the businesses that he owns. Acceler deals in freight services.

How to professionally answer salary expectation question in a job interview

Jane Muia
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How to professionally answer salary expectation question in a job interview

What is your salary expectation? This is a common question most job seekers face in interview rooms.

Undoubtedly, it’s a question that can determine whether a recruiter hires a candidate or not. According to Simon Ingari, a recruiter, job seekers should avoid immediately giving a figure when asked about their minimum acceptable salary.

In a post on X, Ingari argues that candidates should first establish what the job actually entails before putting a price on their services.

Instead of responding with a figure such as Sh80,000, or offering a range such as Sh80,000 to Sh100,000, he recommends asking the employer to explain the role and disclose its approved salary range.

“Before I share my salary expectations, I’d appreciate understanding the actual scope of the position, including the day-to-day responsibilities, performance expectations, and what a typical working day looks like compared to particularly busy periods. Could you also share the approved salary range for this position? That would help me determine whether we’re aligned,” he says.

Understand the job first

Ingari advises job seekers to understand the job first, ask about the employer’s budget, establish personal salary expectations and negotiate the overall package.

He says candidates should seek clarity on what the position involves beyond the job advert. Questions can include what a normal working day looks like, how workloads change during busy periods, the performance targets attached to the role and whether the employee will supervise other staff or take on responsibilities outside the advertised position.

Candidates can also ask what success would look like during the first six months and what challenges the person taking up the role is likely to encounter.

According to Ingari, this matters because the responsibilities described in a job advert may not always capture the full demands of the position.

A role presented as an administrative position, for example, could involve managing employees, overseeing several functions or responding to emergencies outside normal working hours.

“The job advertised and the job you’ll actually perform are not always the same,” Ingari says.

Ask about the salary range

Once the responsibilities are clear, Ingari recommends asking the recruiter or hiring manager about the salary budget.

“Thank you for explaining the responsibilities. Could you share the salary range budgeted for this position?” he suggests.

If the employer does not disclose the figure, a candidate can ask whether the approved compensation band can be shared to establish whether both sides’ expectations are aligned.

However, Ingari notes that employers may decline to reveal their budgets. In such a case, candidates should not turn the interview into a dispute. Instead, they should provide an expectation informed by the responsibilities discussed.

For instance, a candidate could say: “Based on the responsibilities you’ve outlined, particularly the team management, operational targets, and additional duties during busy periods, I’m targeting a salary between 130,000 and 150,000, depending on the overall compensation package.”

Why the first figure matters

Ingari cautions against revealing a minimum acceptable salary too early because it can become the starting point for negotiations.

If an employer has budgeted Sh150,000 for a position but a candidate says they would accept Sh80,000, the eventual offer could be substantially below the employer’s available budget.

Similarly, giving a range such as Sh80,000 to Sh100,000 may signal to the employer that Sh80,000 is acceptable, potentially making the lower figure the basis of negotiations.

A very wide range, such as Sh80,000 to Sh150,000, can also raise questions about how the candidate arrived at their expectations and leave significant room for negotiation towards the lower end.

Don’t anchor your next salary on your current pay

Another point in Ingari’s advice is that candidates should not automatically calculate their expected salary as a percentage increase on their current earnings.

A worker earning Sh80,000, for example, might ask for a 20 per cent increase and settle at Sh96,000 even when the new employer has allocated Sh150,000 for the role.

The recruiter argues that a person’s current salary reflects the compensation decisions of their existing or previous employer and may not accurately represent the value or responsibilities of a new position.

Candidates should therefore assess the new role independently, taking into account their experience, skills, responsibilities and the complete compensation package.

Look beyond the basic salary

Salary negotiations do not necessarily have to end with the basic pay. If an employer cannot increase its offer, Ingari advises candidates to consider other components of compensation.

These could include performance bonuses, medical insurance, additional leave, flexible working arrangements, transport or housing allowances and a structured salary review after probation.

Also Read: Mistakes not to make when answering “Why are you interested in this position?”

From Kilimanjaro to the East African Rift: JETOUR Africa Expedition Validates Product Strength Through Extreme Terrains

Peninnnah M
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From Kilimanjaro to the East African Rift: JETOUR Africa Expedition Validates Product Strength Through Extreme Terrains

For off-road products, laboratory data can illustrate performance boundaries, but only real roads can prove whether a vehicle can reach its destination. Guided by its Travel+ strategy and its vision to build the world’s No. 1 off-road brand, the JETOUR Africa Expedition convoy will cover a total distance of more than 10,000 km, proving product strength across extreme terrains and conducting extreme-terrain validation around two representative scenarios during the East Africa stage: Mount Kilimanjaro and the East African Rift. The test vehicles, consisting of the JETOUR G700 and F700, have each launched hardcore product tests, taking on challenges such as high-altitude continuous climbing, volcanic gravel terrain traversal, heavy-load gradient climbing and 3.5-tonne towing.

Two Major Hardcore Tests Across Extreme Terrains Become the Biggest Highlight of the JETOUR Africa Expedition

Recently, the JETOUR Africa Expedition convoy entered East Africa, designating Mount Kilimanjaro and the East African Rift as the core test scenarios for this stage, with the G700 and F700 respectively undertaking the two major extreme-terrain validation tasks. For JETOUR, this is not only a long-distance expedition, but also a test to validate product strength across extreme terrains.

From Kilimanjaro to the East African Rift: JETOUR Africa Expedition Validates Product Strength Through Extreme Terrains

Kilimanjaro: G700 Reaches 3,713.8 Meters, Completes “Four High-Altitude Extreme-Terrain Tests

According to a spokesperson for the JETOUR Africa Expedition team, the G700 took on the high-altitude extreme-terrain challenge of Mount Kilimanjaro, the “Roof of Africa,” validating product strength in real extreme terrains.

Here, the G700 crossed multiple climate zones in succession, completing the”Four High-Altitude Extreme-Terrain Tests”: continuous climbing, high-altitude cold start, volcanic gravel recovery and unpaved-road stability.

Climbing continuously from the foot of the mountain, the G700—equipped with dual-motor four-wheel drive and a 2-speed DHT—completed continuous climbing and a 45-degree gradient challenge in a high-altitude, low-oxygen environment, eventually reaching the highest point accessible to the vehicle at 3,713.8 meters. The vehicle was then left to stand in the low-temperature environment at 3,713.8 meters and completed a high-altitude cold start, validating PHEV system wake-up and the coordinated performance of the 2.0TD engine, battery, electric motors and electrical system.

After entering the volcanic gravel area, the G700 relied on its 230mm minimum ground clearance, 35-degree approach angle and 28-degree departure angle to recover from complex terrain. On the unpaved roads of the highland permafrost, its front and rear double-wishbone independent suspension further tested suspension movement, tire contact and body posture control. Facing a constantly changing environment, the G700 completed all tests while maintaining a stable and composed body posture.

From Kilimanjaro to the East African Rift: JETOUR Africa Expedition Validates Product Strength Through Extreme Terrains

East African Rift: F700 Excels in 3.5-Tonne Towing and Progressively Increasing Load Tasks

JETOUR stated that the dedicated test at the East African Rift was completed by the JETOUR F700. As a professional off-road pickup, the F700 features body-on-frame construction, dual-motor hybrid four-wheel drive, front and rear double-wishbone independent suspension, a maximum gradability of 45 degrees, a maximum wading depth of 900mm and a maximum towing capacity of 3,500kg, providing solid support for progressively heavier tasks.

This was a continuous test with ever-increasing loads: after completing a 0-100 km/h acceleration test, the vehicle added payload and continued climbing under load; after completing the loaded challenge, it hitched a 3.5-tonne trailer and completed a hill start, stable driving and controlled descent. The test rigorously validated the F700’s performance in power output, body posture, braking stability and towing capability. In addition, the F700 is equipped with an 800V architecture and 175kW fast charging, paired with a 100L fuel tank; its WLTC combined range reaches 900km, giving the F700 stable output and range assurance for long-distance expeditions and continuous heavy-load tasks.

From continuous high-altitude climbing to progressively increasing loads, the G700 and F700 each completed targeted tests in two major extreme-terrain scenarios; they will continue to face the test of real African roads during the overall expedition. For JETOUR, Africa’s diverse and real roads and environments are the best scenarios for validating product strength, understanding local needs and building vehicles for African users. This series of practices also serves a longer-term goal—JETOUR stated that its vision is to build the world’s No. 1 off-road brand.

From Kilimanjaro to the East African Rift: JETOUR Africa Expedition Validates Product Strength Through Extreme Terrains

Travel+: Arriving Locally, Connecting Locally

Travel+ is not just about traveling to more places; it means building connections with different natural environments, cultures and people through travel. While exploring Africa’s natural geography and culture, JETOUR also participates in local communities based on real local needs. It has carried out community support in Angola, supported primary school education in Zimbabwe, focused on village development in Zambia and supported employment for people with disabilities in Tanzania, making every arrival a real connection. This is also a concrete manifestation of the “In Africa, For Africa, Be Africa” philosophy: JETOUR not only comes to Africa and serves Africa, but also hopes to integrate into Africa and grow together with local communities.

As of 2026, JETOUR has been in Africa for seven years, with cumulative sales exceeding 130,000 units. From the high-altitude challenge of Mount Kilimanjaro to the progressively increasing load tasks in the East African Rift, JETOUR is proving product strength across extreme terrains and continuously calibrating its products against real African scenarios.

The next stretch of road will bring new environments, new challenges and new answers. JETOUR will continue to prove its product strength on real roads and advance toward its vision of building the world’s No. 1 off-road brand.

Aviator Grand Flight puts KSh 2.5 million up for grabs as SportPesa spotlights big winners

Bizna Team
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Aviator Grand Flight puts KSh 2.5 million up for grabs as SportPesa spotlights big winners

SportPesa is taking its Aviator experience to new heights with the grand flight campaign. Running from 28 September to 4 October 2026, the promotion puts a KSh 2.5 million prize pool at its centre while the wider Aviator campaign also spotlights real big-winner moments. Together, the grand flight leaderboard and winner stories keep the aviation theme moving into October, combining a time-bound promotion with visible examples of the high multipliers that can occur in the game.

The Aviator campaign features a clear prize structure, with KSh 500,000 set aside for the leading rubani. SportPesa Aviator Grand Flight also rewards four other positions, with KSh 200,000 for second, KSh 100,000 for third, KSh 50,000 for fourth, and KSh 20,000 for fifth. This creates a leaderboard-focused promotion throughout the campaign. The rewards give the grand flight a strong attraction by rewarding Aviator big winners, including KSh 286,540 from a KSh 20 stake at 14,327X and KSh 538,440 from a KSh 20 stake at 26,922X.

Pepea now with Aviator crash game

The grand flight brings aviation together with the familiar Aviator setting. SportPesa Aviator provides the foundation for a campaign built around taking flight, following the rubanileaderboard and celebrating standout winner moments. The rubani challenge gives the promotion a distinctive identity, while the Big Winners creative extends the same flight theme through high-multiplier outcomes already recorded on Aviator.

The campaign communication uses energetic flight language to invite fans into the exciting experience. The “Pepea Now” message fits naturally with the Aviator crash game, while aircraft imagery, grand flight branding and Big Winners visuals reinforce one recognizable campaign world. One creative focuses on the KSh 2.5 million promotional prize pool; the other brings the Aviator experience to life through two highlighted wins of KSh 286,540 and KSh 538,440

“SportPesa Aviator Grand Flight brings together the excitement of Aviator, a clear leaderboard structure and a KSh 2.5 million prize pool. The campaign gives eligible players a seven-day challenge to follow, while reminding them to understand the rules, set limits and play responsibly,” said SportPesa Kenya Head of PR, Willis Ojwang.

Kericho farmer wins KSh26.9 million SportPesa Jackpot with his own football picks

A KSh 2.5 million prize pool

The campaign’s headline attraction is the KSh 2.5 million prize pool, creating a strong reward structure. The top rubani receives KSh 500,000, while second place carries KSh 200,000. Third place is set at KSh 100,000, followed by KSh 50,000 for fourth and KSh 20,000 for fifth. These amounts give the leaderboard several prize positions to follow.

The spread of rewards makes the grand flight more than a single-prize promotion. The KSh 2.5 million prize pool remains at the centre, while individual positions add detail to the reward structure. SportPesa has announced five leading rewards in the campaign. This makes the prize ladder a defining feature of the grand flight.

Seven days of Aviator action in the casino

The grand flight runs from 28 September through 4 October 2026, creating a focused seven-day period. During the same campaign window, SportPesa’s Aviator communication also gives visibility to big-winner stories, helping connect the leaderboard promotion with the wider game experience. The flight theme therefore runs across both the grand flight creative and the Big Winners creative without treating the two reward types as the same thing.

The “Pepea Now” call to action strengthens the sense of movement surrounding the promotion. The aviation language complements the aircraft imagery and connects naturally with the Aviator campaign, while the Big Winners executions add a proof-point style layer by showing the stake, multiplier and amount won in selected rounds. The SportPesa Casino brings together the game, prize structure and flight subject to the applicable Aviator and promotion terms

Conclusion

SportPesa Aviator Grand Flight gives the Aviator experience a focused seven-day campaign built around the rubani theme, leaderboard competition and a KSh 2.5 million prize pool. At the same time, the wider Aviator campaign is spotlighting big-winner moments, including KSh 286,540 from a KSh 20 stake at 14,327X and KSh 538,440 from a KSh 20 stake at 26,922X. Grand flight provides the promotional challenge and prize structure, while Big Winners highlights selected outcomes from the game itself. Eligible players should check the full promotion and game terms, understand

Story of Quickmart: How Nakuru couple grew kiosk into a national retail chain

Jane Muia
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Story of Quickmart: How Nakuru couple grew kiosk into a national retail chain

Quickmart Supermarket is one of Kenya’s largest supermarket chains, ranking second-biggest in the country in branch network after Naivas.

The retailer currently operates 72 stores across 16 counties, a remarkable expansion from the small family-run outlet with which it began in Nakuru two decades ago.

The retailer’s origins can be traced to 2006, when the late John Kinuthia and his wife, Zipporah, ventured into supermarket retail after years of running other businesses.

The couple had started as farmers after marrying in 1976, keeping livestock before moving into a bar business that also incorporated a butchery and lodging facilities.

In an account shared by Quickmart, Zipporah said it was her idea to enter supermarket retail after she began looking for a different business opportunity.

“We started out as farmers, keeping a few cows while we were still young. When we eventually got tired of farming, we ventured into a bar business that also had a butchery and lodgings. At some point, however, I felt I wanted to do something different, so I told my husband, ‘I have a dream. Why don’t we open a supermarket?’ she said.

John was initially reluctant about the proposal but eventually agreed. The family started the supermarket business from a small kiosk in Nakuru in 2006.

Their son, Duncan Kinuthia, later joined the business after completing Form Four and spending time studying accounting. His involvement in the day-to-day running of the business grew over time, eventually leading him to suggest taking the retailer beyond Nakuru.

That ambition was realised in 2010 when Quickmart entered the Nairobi market, marking the beginning of its transformation from a local family business into a broader retail chain.

The family business faced a major transition in 2016 following the death of John Kinuthia. The family retained control of the business, with Duncan later becoming managing director.

The retailer’s significant chapter came in 2019 when Adenia Partners, a Mauritius-based private equity firm, invested in Quickmart. Adenia had also invested in Tumaini Self-Service, another Kenyan supermarket chain.

The two businesses were subsequently brought together under the Quickmart brand in 2020, providing a larger platform for expansion.

The merger and subsequent investment accelerated Quickmart’s growth. The chain expanded its presence across the country through new outlets and the integration of existing retail locations.

From family business to NSE listing

Quickmart is now preparing to list on the Nairobi Securities Exchange (NSE) marking another defining moment in its history.

The retailer plans to offer 2 billion existing shares, equivalent to 50 per cent of its issued share capital, through a sale by its sole shareholder, Sokoni Retail Kenya Limited (SRKL). The proposed listing is expected around September 30, 2026, subject to regulatory approvals.

The offer could rise to 2.3 billion shares, or 57.5 per cent of the company, if the over-allotment option is exercised in full.

The transaction is an offer for sale rather than a fresh share issue. This means the proceeds will go to the selling shareholder rather than to Quickmart as new capital.

“The shares to be sold by SRKL under the offer will be sold in a manner that results in a pro rata partial exit by the shareholders of SRKL. Following completion of the offer, if the over-allotment option is not exercised, SRKL is expected to retain approximately 50 percent of the company’s issued share capital. If the over-allotment option is exercised in full, SRKL’s remaining shareholding would reduce to approximately 42.5 percent,” the statement reads.

Quickmart’s financial statement for the full year ended December 2025 shows the retailer posted Sh50.4 billion, an 8 per cent increase from the previous year. This was slower than the average annual revenue growth of 18.4 per cent recorded since 2021.

Despite the slower top-line growth, profitability improved significantly. Net profit increased by 32.9 per cent to Sh1.51 billion.

Quickmart’s gross margin remained broadly unchanged at 22 per cent, while its operating margin improved to 6.8 per cent from 6.4 per cent. Its net profit margin also increased to 3 per cent, up from 2.4 per cent.

Also Read: Quickmart CEO shares lessons on retailer’s fast growth

Farmer turns dry Laikipia land into beef goldmine selling up to 100 cattle per month

Jane Muia
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Farmer turns dry Laikipia land into beef goldmine selling up to 100 cattle per month

Livestock farming remains one of Kenya’s most dependable commercial agricultural ventures, especially for farmers in arid and semi-arid areas where crop farming is often constrained by unreliable rainfall.

Unlike crops that can be wiped out by a failed season, well-managed livestock provide farmers with several income streams, including the sale of mature animals, breeding stock, and related farm products.

In the unproductive dryland in Rumuruti, Laikipia County, one farmer has proved that livestock farming can be a thriving enterprise.

Warren Evans from Ol Maisor cattle Ranch keeps beef cattle, supplying buyers in the Nairobi Market. In an interview with The Standard Newspaper, Evans revealed that his success has been built over years of adapting livestock production to the harsh conditions of the region.

When Evans took over management of the family farm in 2000, he inherited land where water and pasture were often in short supply.

Rather than allow the dry conditions to dictate the farm’s fortunes, he invested in infrastructure and management practices designed to make livestock production viable.

Among the first priorities was water. Evans developed dams, drilled boreholes and put in place systems for collecting and distributing water around the farm.

He also invested in pasture development, haymaking and rotational grazing to ensure his herd could survive periods of limited rainfall.

The strategy gradually changed the productivity of the farm. Water availability made it possible to maintain pasture, while better grazing management helped protect the land from overuse.

Today, Ol Maisor keeps thousands of beef cattle, with the Boran forming the backbone of the herd. The breed is particularly suited to ranching in dry areas because of its adaptability and ability to perform under challenging climatic conditions.

The breed is known for its resilience and high meat-to-bone ratio, which makes it attractive for beef producers.

Evans sells his animals to butchers in Nairobi. In a good month, he sells about 80 to 100 cattle, with the animals marketed as whole carcasses. He says that larger animals could earn him more than Sh60,000 each, depending on their weight.

Some cattle are sold as steers to feedlots, including operations in Naivasha, where they are finished before entering the beef market.

Farm management practices

The farmer uses rotational grazing, moving animals between paddocks to prevent excessive pressure on pasture. During prolonged droughts, he reduces the size of the herd to match the available forage.

Animal health is another critical component of the enterprise. Foot-and-mouth disease is among the risks facing cattle farmers in the region, particularly during dry periods when animals and herds may come into closer contact.

Evans says his herd is vaccinated regularly and that having veterinary support on the farm helps in preventing and managing disease outbreaks.

Record-keeping has also become part of the farm’s management system. The cattle are fitted with microchips that enable the farm to track individual animals and maintain records covering breeding, vaccinations, treatment and production.

Also Read: Farmers set to benefit from Sh258m cold storage financing

10 Best Betting Sites in Kenya for Mobile Online Betting

Peninnnah M
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10 Best Betting Sites in Kenya for Mobile Online Betting

Mobile shift in Kenyan betting changes what actually matters: an app that opens fast on a patchy connection, an M-Pesa deposit that clears in seconds, and odds that update the moment a striker misses an open goal. Ranking sites by loading speed and bonus size alone misses the point, so this rundown looks at how each platform actually behaves on a phone, layout, live-betting speed, payment friction, market depth — pulled from a curated list of top operators active in Kenya right now. None of these ten is flawless, and each earns its spot for a specific reason rather than a blanket claim.

22Bet

Football odds sit slightly above the regional average, and the app keeps a clean bet slip even during busy live sessions. Payment options stretch from M-Pesa and Airtel Money to Skrill and card transfers, useful for bettors who move between wallets. The interface leans data-heavy, so first-time users may need a session or two to settle in.

Pros           Cons
Wide payment options Data-heavy interface
Clean live bet slip Average odds on some markets

Melbet

The app interface ranks among the more polished on this list, with quick filters for live sports. Deposits go through across several channels including crypto, and withdrawals process within a day. New users sometimes find the sheer number of daily promotions distracting when placing a straight bet.

Pros Cons
Polished interface, quick live filters Many daily promotions
Crypto deposits, next-day withdrawals

Linebet

Deposits start from as little as 20 KES, among the lowest thresholds on this list, and withdrawals often clear in under 15 minutes. The payment menu covers a wide spread of e-wallets alongside M-Pesa, giving bettors more routes to move money than most rivals offer. The app design feels plainer than the more polished entries here, with fewer visual extras.

Pros Cons
Very low deposit threshold, fast withdrawals Plainer app design
Wide e-wallet support Fewer visual/UX extras

SportPesa

One of the most recognised and trusted names in Kenyan betting, SportPesa built its reputation on football-first coverage and years of high-profile local sponsorships. The app supports 25+ sports, live streaming, and both partial and full cash-out, with instant M-Pesa withdrawals keeping winnings from sitting idle. Its jackpot section remains one of the biggest draws, though the sheer volume of markets can feel overwhelming to a first-time user.

Pros             Cons
Instant M-Pesa withdrawals Cluttered interface for newcomers
Strong football and jackpot heritage Heavier promo focus on football

Betika

Betika keeps things simple: an easy-to-use interface, fast registration, and secure payment options make it one of the most approachable apps for casual bettors covering football, basketball, and a mix of local and international events. Live betting and instant updates run smoothly, though the market depth outside football and basketball trails some rivals.

Pros                     Cons
Fast, beginner-friendly registration Narrower markets beyond football/basketball
Reliable live-betting updates Limited live-streaming coverage

Odibets

Odibets has carved out a loyal base among casual, small-stake bettors. Minimum bets sit lower than most competitors, free bets circulate frequently, and M-Pesa transactions clear fast — a combination that also made it a go-to app for Aviator fans. The trade-off is a sportsbook that feels thinner than heritage brands once you move past the casual-betting basics.

Pros       Cons
Very low minimum bets, frequent free bets Thinner sportsbook depth
Fast M-Pesa processing Fewer international leagues covered

Mozzart Bet

Locally licensed under Kenya’s BCLB, Mozzart Bet leans on value — boosted odds on selected markets and a daily jackpot keep something on offer every day. It’s also one of the few apps here with a physical presence, running betting shops in Nairobi (Westlands, Kawangware) for bettors who want in-person support. Minimum stake runs as low as KSh 20, though the brand’s digital-first features feel less polished than some competitors’.

 

Pros         Cons
Locally licensed, physical shops for support App polish lags behind bigger names
Very low minimum stake (KSh 20) Inconsistent live-betting speed

WinWin

The mobile layout keeps betting slips and live scores on the same screen, reducing the back-and-forth common on cluttered apps. Withdrawals clear within 24 hours, among the faster turnarounds here. As a newer name in the Kenyan market, its track record is still molding.

Pros Cons
Betting slips and live scores on one screen Still building its market track record
Fast 24-hour withdrawals

Afropari

Deposit bonuses apply from the first top-up, and the app runs both Android and iOS versions without major feature gaps between them. Minimum deposit and stake thresholds match the mid-range of this group. Live-streaming coverage trails behind the bigger international names.

Pros Cons
Bonus from first deposit Weaker live-streaming coverage
Equal Android/iOS feature parity Mid-range deposit and stake thresholds

Paripesa

Payout rates rank among the highest of the ten platforms here, and withdrawal windows stretch up to three days depending on the method chosen. Customer support responds quickly through live chat, useful when a live bet needs urgent clarification. The promo-code step at registration adds a small extra action most rivals skip.

Pros Cons
Among the highest payout rates Withdrawals can take up to 3 days
Fast live-chat support Extra promo-code step at registration

Choosing What Fits Your Betting Style

No single app wins on every metric — a bettor chasing fast withdrawals will weigh Linebet or WinWin differently than someone who only cares about payout percentage on Paripesa. Match the platform to actual habits: how often bets go live, which payment method is already set up, and how much data a monthly bundle allows.

 

What Makes Chicken Road In Kenya Special Amongst Other Crash Games

Peninnnah M
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What Makes Chicken Road In Kenya Special Amongst Other Crash Games

Ask ten Kenyan players what a crash game looks like, and most will describe the same thing: a curve climbing on screen while you wait to hit cash out before it drops randomly. Enthusiasts of Chicken Road Kenya often point out that this title breaks that pattern entirely, swapping a continuous rising curve for a step-by-step lane-crossing mechanic that puts the player in charge of every move.

Below is a quick summary of the technical details worth checking before playing.

Detail Specification
Provider InOut Games
Release 2024
RTP 98% (foundational release)
Difficulty settings Easy, Medium, Hard, Hardcore
Technology HTML5, lightweight APK

That RTP figure sits notably higher than the 94% to 96% typical for traditional online slots, placing this title near the top of what modern instant-win crash games currently offer.

A Different Kind of Crash Mechanic

Traditional crash titles like Aviator or JetX hand control to a rising number that ticks upward on its own, with the player watching and waiting to press a single button before it crashes. Chicken Road gameplay rebuilds that skeleton entirely, introducing a mechanic closer to Minesweeper or Mines-style casino games.

Instead of a continuous curve, the multiplier only moves when the player commands the chicken to hop forward across specific traffic lanes. That single change removes the anxiety of a ticking clock, but replaces it with the tension of an active manual choice at every step, breaking a session into a sequence of deliberate decisions rather than one long passive wait.

Visuals, Sound, and Overall Design

Chicken Road in Kenya blends a rural, farmyard setting with smooth animations and warm colors, keeping the mood light rather than tense. Each hop comes with a small visual cue, letting players track progress clearly, something that stands out among online games in Kenya built around flatter, plainer designs.

The audio matches the farm theme, with clucking, engine-like sounds, and short bursts of applause marking each step. These cues help players sense risk before a hop and soften the sting of a round that ends early, while stable performance keeps that rhythm consistent across connection speeds.

Choosing Your Own Risk Profile

Understanding how to play Chicken Road starts with picking a difficulty level. Most crash variants lock their house edge in place before a round even starts, but this game lets players actively select a difficulty level before each round begins.

  • Easy: 24 steps, a failure probability of roughly 1 in 25, with multipliers ranging from 1.02x to 24.5x.
  • Medium: 22 steps, a failure probability of roughly 1 in 3.25, with multipliers reaching up to 2,254x.
  • Hard: 20 steps, a failure probability of roughly 1 in 5.25, with multipliers climbing as high as 52,067.39x.
  • Hardcore: 15 steps, a failure probability of roughly 1 in 10.25, with multipliers stretching up to 3,203,384.8x.

Choosing between these settings means choosing between a steady stream of modest wins or a much smaller chance at an enormous payout.

Playing Chicken Road Game on a Phone in Kenya

Most gaming activity in Kenya happens on mobile data rather than home broadband, shaping which titles gain traction among mobile games in Kenya. Chicken Road runs through lightweight APK systems and HTML5, making it more adaptive to localized mobile data environments than heavier, graphics-intensive titles, and downloading the APK only from a licensed casino avoids modified or unsafe files.

SportPesa Casino launches Every Spin Counts and Shinda Heavy rewards

Trying the Format Risk-Free First

Testing through a Chicken Road demo remains the most sensible starting point for anyone curious but hesitant, replicating the hop-by-hop decisions using virtual credits before any real stake enters the picture.

Comparing difficulty levels while playing Chicken Road online in demo mode helps identify which volatility setting fits personal preference, since higher settings widen the gap between frequent small wins and rarer large ones. As an instant win game, the format rewards short attention spans, resolving each round quickly without demanding a lengthy commitment.

 

Farmers set to benefit from Sh258m cold storage financing

Jane Muia
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Farmers set to benefit from Sh258m cold storage financing

Farmers and agribusinesses across Kenya’s key agricultural value chains are set to benefit from increased access to solar-powered cold storage as Absa Bank Kenya partners with the United Nations Capital Development Fund (UNCDF) and the United Nations Development Programme (UNDP) to expand financing for cold-chain infrastructure.

The three institutions have entered into a portfolio guarantee arrangement aimed at helping address Kenya’s estimated $2.1 billion gap in cold storage capacity and reduce post-harvest losses in sectors including horticulture, dairy, fisheries and meat.

Under the partnership, Absa will provide asset-based financing of between $500,000 and $2 million, equivalent to about Sh64 million to Sh258 million, to aggregators, equipment suppliers, exporters and other major players in agricultural value chains.

The businesses will use the financing to deploy solar-powered cold storage facilities to smallholder farmers and agribusinesses, enabling them to preserve produce for longer, reduce losses and reach markets at greater scale.

The financing is supported by a portfolio-sharing guarantee from UNCDF, which is intended to reduce the risks associated with lending to the cold-chain sector.

The arrangement addresses some of the barriers that have limited investment in cold storage, including high initial capital requirements and perceived market risks.

The partnership coincides with the launch of Phase II of the cold chain services programme in Kenya, implemented by UNCDF and UNDP with support from the Mitigation Action Facility (MAF).

The first phase demonstrated significant demand for solar-powered cold storage, with pilot projects estimated to have the potential to benefit more than 60,000 farmers and generate about 1,200 jobs.

Under the wider programme, UNCDF provides risk-sharing and blended-finance instruments to encourage private investment, while UNDP supports policy engagement, technical assistance and coordination among players in the cold-chain ecosystem.

Agriculture accounts for about a quarter of Kenya’s gross domestic product and provides employment to more than 40 per cent of the population, according to the Kenya National Bureau of Statistics.

However, the country is estimated to lose about 40 per cent of its agricultural produce each year because of inadequate post-harvest handling and storage.

“The collaboration reflects Absa Bank’s commitment to enabling sustainable economic growth while advancing climate-smart solutions in the agricultural sector. Through this partnership with UNCDF and UNDP, we are unlocking innovative financing that empowers agribusinesses to invest in cold storage infrastructure, strengthening food security and improving livelihoods,” said Renato D’Souza, Business Banking Director at Absa Bank Kenya.

UNDP Kenya Resident Representative Dr. Jean Luc Stalon said reducing post-harvest losses presented opportunities beyond food security, including climate and economic benefits.

“Addressing post-harvest losses is not only a food security priority, but also a climate and economic opportunity,” he said.

The financing will use an asset-based lending model, with the solar-powered cold storage equipment serving as collateral alongside the UNCDF guarantee.

The approach is also expected to support Kenya’s shift towards clean energy, particularly in rural areas where access to reliable electricity remains a challenge.

The initiative forms part of efforts to scale up solar-powered cold storage in Kenya, increase private-sector investment in agricultural infrastructure and support the country’s climate commitments under its Nationally Determined Contributions.

Also Read: Co-op Bank, UNCDF launch financing facility to boost Kenya’s digital

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