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Kanbay International Reports Fourth Quarter and Full Year 2004 Results

Results Driven by Strong Year-Over-Year Revenue Growth of Over 70 Percent

ROSEMONT, Ill., Feb 15, 2005 /PRNewswire-FirstCall via COMTEX/ -- Kanbay International, Inc. (Nasdaq: KBAY), a global IT services firm focused on the financial services industry, today announced financial results for the fourth quarter and full year ended December 31, 2004.

Full Year and Fourth Quarter 2004 Financial Highlights

Commenting on the results, chairman and CEO of Kanbay, Raymond Spencer said, "2004 has been a banner year for Kanbay. It was a year of strong growth and accomplishment, including our very successful initial public offering in July. We are pleased by the response we received from the investment community to both our IPO and a secondary offering in December. We have started to experience benefits of being a public company, including more awareness and enhanced visibility for Kanbay in the marketplace.

"During 2004 we added almost 1,400 associates, grew revenue by over 70 percent, increased our profitability and improved in all our quality metrics. I view our ability to achieve such dramatic growth while maintaining our commitment to quality as a testament to our associates around the globe, to our business model and to the foundation of quality and process that we have invested in over the past several years."

Spencer continued, "We are seeing strong demand for our services. Our business model, which combines deep domain knowledge and strong technical skills with a flexible global delivery model, allows us to effectively compete with, and differentiate ourselves from, our competitors. Due to our specialized focus on the financial services industry, we have developed extensive domain and technical expertise. That deep level of knowledge allows us to truly partner with our clients to help them achieve their strategic and business goals. Our expertise, combined with our efficient global delivery process, enables us to deliver high value solutions to our clients in a high quality and cost effective manner. We are confident that we have a scalable and value oriented business model that will continue to be successful," Spencer concluded.

"The financial results and metrics demonstrate what an outstanding year 2004 has been for the company," said Bill Weissman, Kanbay's Chief Financial Officer. "We are very pleased with our revenue growth and our increase in operating income. Our operating income nearly quadrupled to $31.1 million from $8.3 million last year and operating margins grew from 7.7 percent to 17.0 percent in 2004. Operating margins increased due to improved gross margins and a reduction of SG&A as a percentage of revenue. We continue to predict rising operating margins for 2005 as we benefit from further economies of scale.

"One of our key goals for 2004 was to grow our revenues from third parties. Third parties include all clients other than HSBC, Morgan Stanley and their respective affiliates. We are pleased that the investments we made in our sales and marketing organization over the past year and a half have proved successful, as revenues from third parties increased 72 percent in 2004," Weissman concluded.

Outlook for 2005

"We are looking forward to another successful year," said Raymond Spencer. "Kanbay has reached an important phase in its development, and we have raised the bar for our associates and set new goals for 2005, which will be a year of execution against our proven business model. Our top priorities for 2005 will be to grow our third party revenue, improve our operating profit through additional economies of scale, and continue to optimize our related party relationships. We enter the year with every confidence in our business model and in our ability to perform successfully and deliver superior results," Spencer concluded.

Conference Call Details

Kanbay management will host a conference call on February 15, 2005 at 8:30 a.m. (ET) to discuss the Company's results of operations for the fourth quarter and full year 2004. To participate in the call, domestic callers can dial (800) 659-1966 and international callers can dial (617) 614-2711. The passcode for the conference call is 63225579. The conference call will also be webcast and accessible through Kanbay's website at http://www.kanbay.com.

Please access the website at least fifteen minutes prior to the call to register and download any required software. A replay of the conference call will be available for one week, until 5:00 p.m. (ET) on February 22, 2005, by dialing (888) 286-8010 for domestic callers and (617) 801-6888 for international callers. The passcode for the replay is 62792186. A webcast replay of the conference call will also be available for two weeks following the call, until 5:00 p.m. (ET) on March 1, 2005, through Kanbay's website at http://www.kanbay.com.

About Kanbay International, Inc.

Founded in 1989, Kanbay International, Inc. (Nasdaq: KBAY) is a global IT services firm focused on the financial services industry. With over 3,700 employees, Kanbay provides its services primarily to banks, credit service providers, insurance companies, and capital markets firms. The company uses a global delivery model to provide application development, maintenance and support, software package selection and integration, business process and technology advice, network and system security, and specialized services. Kanbay is a CMM Level 5 assessed company headquartered in greater Chicago with offices in the U.S., Canada, U.K., Australia, Hong Kong, Japan, Singapore and India.

Forward-Looking Statements

This release contains statements relating to projections or future results. These statements are forward-looking statements under the federal securities laws. We can make no assurance that any projections or future results discussed in these statements will be achieved. Any forward-looking statements represent our views only as of today and should not be relied upon as representing our views as of any subsequent date. These statements are subject to a variety of risks and uncertainties that could cause our actual results to differ materially from the statements contained in this release. For a discussion of important factors that could affect our actual results, please refer to our SEC filings, including the "Risk Factors" section of the prospectus we recently filed with the SEC.

Tables Follow


                          Kanbay International, Inc.
            Condensed Consolidated Statement of Income (Unaudited)
               (dollars in thousands except per share amounts)

                             Three months ended       Twelve months ended
                                December 31               December 31
                             2004         2003         2004         2003
    Net revenues --
     related parties       $33,069      $22,033     $120,377      $70,942
    Net revenues --
     third parties          17,809        9,696       62,229       36,211

    Total revenues          50,878       31,729      182,606      107,153

    Cost of revenues        26,813       17,258       96,139       58,675

    Gross profit            24,065       14,471       86,467       48,478
    Sales and marketing
     expenses                4,440        3,445       17,501       11,420
    General and
     administrative
     expenses                8,419        6,914       30,958       24,072
    Stock compensation
     expense                   305          328        1,179        1,354

    Total selling, general
     and administrative
     expenses               13,164       10,687       49,638       36,846
    Depreciation and
     amortization            1,852        1,003        5,712        3,308
    Loss (gain) on sale
     of fixed assets            (2)           5           32           36

    Income from operations   9,051        2,776       31,085        8,288
    Other income (expense)
      Interest expense
       and other, net          328         (121)         431         (347)
      Equity in earnings
       of affiliate            508          477        2,517        2,046

    Total other
     income/(expense)          836          356        2,948        1,699

    Income before
     income taxes            9,887        3,132       34,033        9,987
    Income tax expense       1,850       (1,552)       6,679       (1,452)

    Net income               8,037        4,684       27,354       11,439
    Dividends on
     preferred stock             -         (153)        (277)        (608)
    Increase in carrying
     value of stock
     subject to repurchase       -        5,425            -        3,063

    Income available to
     common stockholders    $8,037       $9,956      $27,077      $13,894


    Income per share of
     common stock
      Basic                  $0.25        $0.49        $1.02        $0.68
      Diluted                $0.21        $0.36        $0.83        $0.50

    Weighted average
     number of common
     shares outstanding 32,516,556   20,520,948   26,573,373   20,493,852
    Weighted average
     number of common
     and dilutive
     shares outstanding 37,751,111   28,309,212   33,087,554   28,964,911



                          Kanbay International, Inc.
      Condensed Consolidated Statement of Financial Position (Unaudited)
                                (In thousands)
                                                    December 31,  December 31,
                                                       2004           2003
    Assets
    Current Assets
    Cash and cash equivalents                        $29,126        $17,419
    Restricted cash                                    2,478              -
    Short term investments                            35,730              -
    Trade accounts receivable                         24,664         10,469
    Other current assets                              17,099          5,062
    Total Current Assets                             109,097         32,950
    Property and equipment - net                      20,892         11,315
    Investment in affiliate                           25,094         22,185
    Long term investments                             24,423              -
    Other assets                                         660          1,909
    Total Assets                                    $180,166        $68,359
    Liabilities and Stockholders' Equity
    Current Liabilities
    Accounts payable                                  $3,972         $2,312
    Accrued and other current liabilities             33,114         18,539
    Total Current Liabilities                         37,086         20,851
    Total Liabilities                                 37,086         20,851
    Stockholders' Equity                             143,080         47,508
    Total Liabilities and Stockholders' Equity      $180,166        $68,359