Live Statutory & Regulatory SentinelVerified: 2026-10-26
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.
SASRA 2026 Regulatory Audit Engine
SACCO Compliance Audit Engine
Evaluate your SACCO's statutory capital adequacy, liquidity buffers, NPL ratios, and cybersecurity readiness against official SASRA regulations.
SACCO Preset Benchmarks
Pre-fill realistic financial data for instant testing
Financial Position Inputs (KES)
Enter statutory figures from your audited balance sheet or latest monthly Return.
SASRA Statutory Compliance Score
100%Tier 1 Compliant
5 of 5 Statutory Ratio Requirements Satisfied
Statutory Ratios Status
Core Capital to Total AssetsTarget: >= 10% | Value: 12%
Institutional Capital to Total AssetsTarget: >= 8% | Value: 9%
Core Capital to Deposit LiabilitiesTarget: >= 8% | Value: 16%
Statutory Liquidity RatioTarget: >= 15% | Value: 20%
Non-Performing Loan (NPL) RatioTarget: <= 5% | Value: 4%
IFRS 9 Statutory Audit Bridge
Dual SASRA & IFRS 9 ECL Provisioning Modeler
Benchmark your SASRA 1%–100% regulatory aging schedules against bank-standard IFRS 9 Stage 1 (12-month ECL), Stage 2 (Lifetime SICR), and Stage 3 (Default) impairment models with forward-looking macroeconomic stress scenarios.