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NPV-optimal settlement offers with authority matrix controls
| Role | Principal waiver cap | Max extension | Fee waiver cap | Requires secondary approval |
|---|---|---|---|---|
| Officer | KES 50,000 | 30d | 15.0% | No, unless IDP > 80% |
| Senior Officer | KES 150,000 | 60d | 25.0% | Yes for principal waiver |
| Credit Lead | KES 500,000 | 90d | 40.0% | Yes, risk sign-off |
| Committee | Unlimited | Restructure + writedown | Unlimited | Committee minute required |
| Loan ID | Borrower | Outstanding KES | DPD | IDP | Recommended offer type | Expected acceptance | NPV vs write-off | Officer | Authority required |
|---|---|---|---|---|---|---|---|---|---|
| LN-KE-880214 | Wanjiku Fresh Supplies | 842,000 | 18 | 93.4% | partial-settlement | 62.0%62.0% | Ksh 428,000 | Njeri K. | Senior Officer |
| LN-KE-879744 | Amina Coast Textiles | 1,240,000 | 24 | 88.7% | restructure | 58.0%58.0% | Ksh 512,500 | Omondi A. | Credit Lead |
| LN-KE-878998 | Muli Transport Services | 1,780,000 | 28 | 82.9% | legal-hold | 41.0%41.0% | Ksh 308,700 | Wambui M. | Credit Lead |
| LN-KE-878642 | Baraka Boda Sacco | 1,560,000 | 36 | 78.6% | restructure | 71.0%71.0% | Ksh 694,200 | Cherono L. | Credit Lead |
| LN-KE-878510 | Kisii Medical Stores | 712,300 | 12 | 77.2% | payment-holiday | 67.0%67.0% | Ksh 245,600 | Mutiso P. | Officer |
| LN-KE-878142 | Thika Plastics Traders | 1,115,000 | 22 | 73.3% | partial-settlement | 54.0%54.0% | Ksh 371,900 | Achieng S. | Senior Officer |
| LN-KE-878019 | Mombasa Cold Chain | 1,880,000 | 19 | 72.1% | restructure | 49.0%49.0% | Ksh 466,400 | Kariuki T. | Credit Lead |
| LN-KE-877884 | Meru Green Grocers | 423,700 | 6 | 70.4% | payment-holiday | 76.0%76.0% | Ksh 188,800 | Fatuma N. | Officer |
| NPV | Ksh 536,200 |
| ECL delta | -Ksh 74,500 |
| Authority | Officer |
| M-Pesa B2C trigger | Y |
| NPV | Ksh 612,900 |
| ECL delta | -Ksh 126,400 |
| Authority | Senior Officer |
| M-Pesa B2C trigger | Y |
| NPV | Ksh 694,800 |
| ECL delta | -Ksh 184,100 |
| Authority | Credit Lead |
| M-Pesa B2C trigger | N |
| Outcome | Count | KES recovered |
|---|---|---|
| sent | 482 | Ksh 18,420,000 |
| accepted | 206 | Ksh 24,760,000 |
| partial | 117 | Ksh 9,840,000 |
| rejected | 93 | Ksh 1,260,000 |
| escalated | 51 | Ksh 6,930,000 |
| legal | 28 | Ksh 4,180,000 |