Citibank N.A. Kenya vs Stanbic Bank Kenya.
Head-to-head comparison using Central Bank of Kenya weighted-average rates. Lower lending is better for borrowers; higher deposit is better for savers.
Published rates
| Citibank N.A. Kenya | Stanbic Bank Kenya | Δ | |
|---|---|---|---|
| Lending rate | 10.36% | 12.84% | -2.48pp |
| Deposit rate | 7.29% | 7.56% | -0.27pp |
| Spread (lending − deposit) | 3.07% | 5.28% | -2.21pp |
Ksh 1,000,000 loan over 5 years
Standard amortising loan, fixed rate, no fees. Citibank N.A. Kenya is cheaper by Ksh 74,798 of interest.
Citibank N.A. Kenya
Ksh 21,425
Ksh 285,477 total interest
Stanbic Bank Kenya
Ksh 22,671
Ksh 360,275 total interest
Ksh 1,000,000 deposit over 10 years
Lump sum in a bank savings account at the weighted-average deposit rate, compounded monthly. Stanbic Bank Kenya pays more.
Citibank N.A. Kenya
Ksh 2,068,440
At 7.29% p.a.
Stanbic Bank Kenya
Ksh 2,124,696
At 7.56% p.a.