Most banks in the industry have now started to give focus to their liability side, which is a vital element of the balance sheet. It is in light of this that KCB established a liability management department-Institutional Banking dedicated to cater for the liability side of business in line with the market trend.

 Institutional Banking focuses on the acquisition, retention and management of key liability clients who provide the bank with deposit liabilities. The liability target market basically refers to established Corporate and Institutional bodies, which are cash rich.

The target market for IB comprise of various cash rich names selected from a wide range of sectors/industries including:

• Government
• Parastatals
• NGOs
• Churches & Religious Organizations
• Embassies
• UN Bodies
• Learning Institutions
• Communications and Service sector
• High Net worth individuals
• Insurance Firms

Range of products offered to Institutional Corporate Customers are

• Current Accounts (collection accounts)
• Term Deposits
• Treasury products
• Cash management
• Asset Based Finance (ABF)
• Trade Finance products (LCs and guarantees)
• Temporary Overdrafts
• Custody services
• Personal loans (packages for the Institutions employees)
• Card Products
• S&L mortgages
• Other banking services