Credit risk
PAR30 6.40% vs appetite <= 7.50%- Boda-boda PAR30 in Nairobi East
- SME trader restructures after school-fee season
- Promise-to-pay slippage in legacy cohorts
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Enterprise risk appetite, regulatory capital, IFRS 9 credit movement, and top risk events for this month.
Kenya operating snapshot. Amounts are KES unless noted; P&L and statement tables use KES millions with 2 decimals.
Balance sheet, P&L, liquidity, and capital schedules.
Q2 2026 PG/04 package and ICAAP evidence pack.
June arrears, restructures, write-offs, and closed loans.
Stage 1 KES 322.40m; Stage 2 KES 468.10m; Stage 3 KES 344.70m; overlay KES 74.50m.
Current level versus appetite, trend arrow, and the top three concerns by risk class.
| Event | Severity | Mitigation status | Owner |
|---|---|---|---|
| Daraja callback latency spikeR-2026-06-01 | High | Retry queue patched; SLO watch | COO |
| SME arrears roll-rate breach in KisumuR-2026-06-02 | High | Collections sprint active | CRO |
| Warehouse covenant headroom compressionR-2026-06-03 | Medium | Lender waiver not required | CFO |
| KRA WHT certificate mismatchR-2026-06-04 | Medium | Supplier statements requested | CFO |
| Manual override cluster above appetiteR-2026-06-05 | High | Credit policy lock drafted | CRO |
| Late CRB batch acknowledgementR-2026-06-06 | Medium | Evidence captured | Compliance |
| M-Pesa reconciliation break over 6 hoursR-2026-06-07 | High | Root cause closed | COO |
| High-value borrower concentration watchR-2026-06-08 | Medium | Exposure reduction plan | CRO |
| Loan officer device enrolment gapR-2026-06-09 | Low | MDM campaign 82% complete | COO |
| IFRS 9 macro overlay review delayedR-2026-06-10 | Medium | ALCO extraordinary session set | CRO |