Please name some observations you can gather about non-performing loans from 2015 and 2016 in the different banks in kenya from the following chart. What happened from 2015 to 2016?
Appendix VI BANKING SECTOR GROSS LOANS AND NON-PERFORMING LOANS- DECEMBER 2016 BANKS Gross Loans and Advances, KShs M Gross Non-Performing Loans, KShs M Dec-15 Dec-16 Dec-15 Dec-16 1 KCB Bank Kenya Ltd 324,284 373,031 19,289 28,333 2 Standard Chartered Bank (K) Ltd 122,905 132,497 14,698 15,038 3 Barclays Bank of Kenya Ltd 148,846 176,349 5,336 11,472 4 Bank of India 17,973 19,354 364 272 5 Bank of Baroda (K) Ltd 32,263 38,089 2,364 3,392 6 Commercial Bank of Africa Ltd 107,683 105,082 4,723 7,450 7 Habib Bank Ltd 4,271 4,339 434 816 8 Prime Bank Ltd 41,617 40,170 989 1,855 9 Co-operative Bank of Kenya Ltd 212,711 241,395 8,189 11,273 10 National Bank of Kenya Ltd 72,842 68,616 11,762 29,987 11 M Oriental Commercial Bank Ltd 5,582 7,109 831 856 12 Citibank N.A. Kenya 27,683 28,242 1,768 805 13 Habib Bank A.G. Zurich 5,329 5,361 116 158 14 Middle East Bank (K) Ltd 4,009 4,015 1,093 1,193 15 Bank of Africa (K) Ltd 41,075 37,480 9,744 10,794 16 Consolidated Bank of Kenya Ltd 10,155 10,317 1,958 2,038 17 Credit Bank Ltd 7,388 8,361 515 676 18 Transnational Bank Ltd 7,339 7,026 733 891 19 Stanbic Bank (K) Ltd 103,535 118,483 4,858 7,013 20 African Banking Corporation Ltd 15,538 15,022 2,677 2,840 21 NIC Bank Ltd 111,286 112,509 13,195 12,650 22 Giro Commercial Bank Ltd 9,389 9,287 185 196 23 Ecobank Kenya Ltd 30,902 27,393 2,444 5,359 24 Spire Bank Ltd 10,400 3,388 1,322 25 Paramount Bank Ltd 6,485 6,243 815 778 26 Jamii Bora Bank Ltd 10,767 10,497 778 2,141 27 Guaranty Trust Bank Ltd 12,826 13,418 570 994 28 Victoria Commercial Bank Ltd 13,124 15,293 29 Guardian Bank Ltd 9,926 9,604 1,029 787 30 1&M Bank Ltd 104,302 104,302 5,072 5,072 31 Development Bank of Kenya Ltd 9,094 10,083 1,870 2,594 32 Diamond Trust Bank (K) Ltd 128,266 141,702 5,520 33 Sidian Bank Ltd. 13,317 14,488 1,608 2,459 8,319 3,656 Appendix VI BANKING SECTOR GROSS LOANS AND NON-PERFORMING LOANS- DECEMBER 2016 BANKS Gross Loans and Advances, KShs M Gross Non-Performing Loans, KShs M Dec-15 Dec-16 Dec-15 Dec-16 1 KCB Bank Kenya Ltd 324,284 373,031 19,289 28,333 2 Standard Chartered Bank (K) Ltd 122,905 132,497 14,698 15,038 3 Barclays Bank of Kenya Ltd 148,846 176,349 5,336 11,472 4 Bank of India 17,973 19,354 364 272 5 Bank of Baroda (K) Ltd 32,263 38,089 2,364 3,392 6 Commercial Bank of Africa Ltd 107,683 105,082 4,723 7,450 7 Habib Bank Ltd 4,271 4,339 434 816 8 Prime Bank Ltd 41,617 40,170 989 1,855 9 Co-operative Bank of Kenya Ltd 212,711 241,395 8,189 11,273 10 National Bank of Kenya Ltd 72,842 68,616 11,762 29,987 11 M Oriental Commercial Bank Ltd 5,582 7,109 831 856 12 Citibank N.A. Kenya 27,683 28,242 1,768 805 13 Habib Bank A.G. Zurich 5,329 5,361 116 158 14 Middle East Bank (K) Ltd 4,009 4,015 1,093 1,193 15 Bank of Africa (K) Ltd 41,075 37,480 9,744 10,794 16 Consolidated Bank of Kenya Ltd 10,155 10,317 1,958 2,038 17 Credit Bank Ltd 7,388 8,361 515 676 18 Transnational Bank Ltd 7,339 7,026 733 891 19 Stanbic Bank (K) Ltd 103,535 118,483 4,858 7,013 20 African Banking Corporation Ltd 15,538 15,022 2,677 2,840 21 NIC Bank Ltd 111,286 112,509 13,195 12,650 22 Giro Commercial Bank Ltd 9,389 9,287 185 196 23 Ecobank Kenya Ltd 30,902 27,393 2,444 5,359 24 Spire Bank Ltd 10,400 3,388 1,322 25 Paramount Bank Ltd 6,485 6,243 815 778 26 Jamii Bora Bank Ltd 10,767 10,497 778 2,141 27 Guaranty Trust Bank Ltd 12,826 13,418 570 994 28 Victoria Commercial Bank Ltd 13,124 15,293 29 Guardian Bank Ltd 9,926 9,604 1,029 787 30 1&M Bank Ltd 104,302 104,302 5,072 5,072 31 Development Bank of Kenya Ltd 9,094 10,083 1,870 2,594 32 Diamond Trust Bank (K) Ltd 128,266 141,702 5,520 33 Sidian Bank Ltd. 13,317 14,488 1,608 2,459 8,319 3,656
