Victoria Commercial Bank


Victoria Commercial Bank is a private bank in Kenya. It is licensed as a commercial bank, by the Central Bank of Kenya, the Central Bank and national banking regulator.

Location

The bank maintains five branches in Nairobi, Kenya's capital. The main branch is located at Victoria Towers, in the upscale neighborhood of Upper Hill, about southwest of the central business district of Nairobi, Kenya's capital city.

History

Victoria Commercial Bank was established in 1987 as Victoria Finance Company, a non-bank finance institution. In 1996, following the issuance of a banking licence by the Central Bank of Kenya, the company rebranded to Victoria Commercial Bank.

Overview

The bank is a Tier III private bank in Kenya, East Africa's largest economy. VCB focuses on serving large corporations and high-net-worth clients. The bank also offers personal banking services to the employees of its corporate clients. Later, it began making loans to qualifying small and medium enterprises.
, the bank's total assets were valued at about US$360.3 million, with shareholders' equity of about US$49.4 million.

Ownership

, the shareholding in the stock of Victoria Commercial Bank was as follows:
RankName of ownerPercentage ownership
1Kanji D. Pattni13.02
2Kingsway Investments8.96
2Orchid Holdings8.33
2Rochester Holdings7.13
274 others62.56
Total100.00

Branches

, Victoria Commercial Bank maintains five branches in the city of Nairobi, Kenya.

Credit rating

In July 2016, the South African credit rating agency Global Credit Ratings rated the bank as BBB with stable outlook. The bank has a history of "operating without a loan default for the last 10 years". During the first six months of 2017, VCB declared its first non-performing loan in the previous 10 years. The defaulted loan is valued at KSh18.3 million..