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Supervised institution risk scoringcomponent evidence notesfour-quarter trend history
| Institution | Capital | Asset Quality | Management | Earnings | Liquidity | Sensitivity | Composite |
|---|---|---|---|---|---|---|---|
| Situ Digital Credit Limited CBK/DCP/2024/017 | Score 3→ stable Capital buffer remains above internal trigger, but growth plan narrows headroom. | Score 4↑ up PAR30 rose to 8.7%; repeat-borrower arrears concentration requires board challenge. | Score 4↑ up AML second-line review gaps and incomplete ECL challenge log. | Score 3↓ down Net interest margin stable after pricing cap remediation. | Score 2→ stable Liquidity buffer reconciles to daily treasury attestations. | Score 3→ stable Funding-rate stress pack reviewed, macro overlay remains manual. | Score 3.2 |
| Mwangaza Microfinance Bank CBK/MFB/2018/006 | Score 2→ stable Capital adequacy and dividend controls remain within board appetite. | Score 3→ stable PAR30 at 5.2%; agriculture exposure requires seasonal stress overlay. | Score 2↓ down Complaints root-cause tracker now tabled monthly. | Score 2→ stable Earnings diversified across deposit-taking and digital channels. | Score 2→ stable Stable deposit base and daily liquidity reports. | Score 3↑ up FX-linked vendor costs and drought stress scenario require closer monitoring. | Score 2.3 |
| Pamoja Digital Lenders CBK/DCP/2023/041 | Score 4↑ up Capital plan depends on unresolved shareholder injection. | Score 5↑ up PAR30 at 12.4%; restructures and write-offs not consistently approved. | Score 5↑ up Enforcement file open for pricing and consumer disclosure deficiencies. | Score 4→ stable High fee dependence and collection-cost volatility. | Score 3↑ up Short-dated warehouse funding concentration increased in Q2. | Score 4→ stable Scorecard stress testing remains manual and stale. | Score 4.2 |
In this matrix, higher scores indicate higher supervisory risk. Trend arrows show whether risk is increasing, decreasing, or stable quarter over quarter.