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    Autonomous Compliance Sentinel · Live Statutory Intelligence

    Kenya Statutory & Regulatory Compliance Hub

    Real-time regulatory telemetry, ALCO treasury benchmarks, and interactive audit engines across SASRA, Central Bank of Kenya (CBK), KMRC, KRA eTIMS, and ODPC.

    Live Statutory & Regulatory Sentinel
    Open Statutory Compliance Hub
    CBK Monetary Policy•Central Bank Rate (CBR) & 91-Day T-Bill Benchmark

    ALCO spread +835 bps over 4.4% YoY inflation. Deploy surplus liquid reserves into 91-Day T-Bills (15.65%) while stress-testing Stage 2/3 loan books against +200 bps scenarios.

    Run Rate Shock Stress Test

    Statutory & ALCO Regulatory Briefing

    Executive Voice
    35s executive synthesis · SASRA, CBK, KMRC, KRA & ODPC

    Voice playback isn't supported in this browser. Read the transcript below instead.

    CBK Monetary Policy & Treasury Bill Benchmark Yields

    Status: ACTIVE & AUDITED (2026-10-26)
    Macro Benchmark MetricCurrent RatePolicy PostureReal ALCO Spread vs. Inflation
    Central Bank Rate (CBR)12.75%Neutral / Tight+835 bps
    91-Day Treasury Bill15.65%High Institutional Yield+1,125 bps
    182-Day Treasury Bill16.20%Sovereign Benchmark+1,180 bps
    364-Day Treasury Bill16.48%Sovereign Benchmark+1,208 bps
    KNBS YoY Inflation4.40%Within CBK Target BandBaseline

    Statutory Compliance Engines & Prudential Audit Tools

    CBK Monetary PolicyACTIVE

    Central Bank Rate (CBR) & 91-Day T-Bill Benchmark

    CBR 12.75% · 91d T-Bill 15.65%

    ALCO spread +835 bps over 4.4% YoY inflation. Deploy surplus liquid reserves into 91-Day T-Bills (15.65%) while stress-testing Stage 2/3 loan books against +200 bps scenarios.

    Run Rate Shock Stress Test
    SASRA Reg. 30 (Cap 490B)MANDATORY

    Statutory Liquidity & Core Capital Prudential Floor

    15.0% Liquidity · 8.0% Core Capital

    15.00% of deposit liabilities must be held in liquid cash, bank balances, or short-term government securities alongside ≥8.0% core capital to total assets.

    Audit SASRA Ratios
    KMRC Refinancing WindowWINDOW OPEN

    Concessional Affordable Housing Wholesale Line

    9.5% Fixed Refinancing (≤KES 10.5M)

    450 bps below commercial bank wholesale lines, unlocking non-dilutive long-tenor liquidity and a 4.5% NIM spread for qualifying primary mortgage lenders.

    Check KMRC Eligibility
    Finance Act 2026/2027 & eTIMSMANDATORY

    Statutory Payroll & eTIMS API 3.0 Invoice Validation

    SHIF 2.75% · Housing Levy 1.5%

    Mandatory electronic tax invoice validation for all vendor disbursements and full deductibility of SHIF (2.75%) and Affordable Housing Levy (1.5%) in PAYE computation.

    Open KRA Payroll Ledger
    ODPC Data Protection ActMANDATORY

    Digital Credit & Member PII Breach Notification SLA

    72-Hour Mandatory Breach SLA

    Strict consent registry auditing, automated PII redaction in AI workflows, and mandatory 72-hour incident reporting to the Office of the Data Protection Commissioner.

    Run ODPC Privacy Audit
    EAC Cross-Border TreasuryACTIVE

    BoU (Uganda 15%) & BoT (Tanzania 20%) Reserve Floors

    KES · UGX · TZS · ISO 20022

    Model Bank of Uganda Tier-4 SACCO (15% floor) and Bank of Tanzania TCDC (20% liquid assets floor) alongside cross-border dividend withholding tax.

    Open East Africa Treasury Engine