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Monthly deposit ledger versus segregated trust account statement, variance clearance, and ALCO sign-off.
Statement uploads are matched to the Situ deposit ledger by value date, amount, account reference, sweep batch, and PSP transaction trace.
CBK PSP safeguarding rules under the NPS Act require customer funds to remain segregated from operating cash and supported by evidence of bank balance, ledger balance, and variance clearance.
| Value date | Bank statement ref | Situ ledger ref | Narration | Amount KES | Match status |
|---|---|---|---|---|---|
| 2026-07-01 | EQB-TR-771920 | DEP-SWEEP-20260701-01 | M-Pesa sweep into customer trust account | Ksh 8,750,000 | matched |
| 2026-07-02 | EQB-FD-77410 | FD-ROLLOVER-MWANJIKU | Fixed deposit rollover principal received | Ksh 12,500,000 | matched |
| 2026-07-03 | EQB-INT-0630 | INT-ACCRUAL-JUN | Monthly interest reserve transfer | Ksh 1,459,600 | matched |
| 2026-07-05 | EQB-MAN-0041 | DEP-MANUAL-REVIEW | Manual receipt awaiting holder attribution | Ksh 125,000 | manual-review |
| Variance | Date | Source | Description | Amount KES | Root cause | Owner | Status |
|---|---|---|---|---|---|---|---|
| VAR-2026-07-001 | 2026-07-05 | bank-statement | Unattributed customer receipt on Equity statement | +Ksh 125,000 | missing account number in bank narration | Treasury ops | open |
| VAR-2026-07-002 | 2026-07-06 | ledger | Late ledger sweep booked after statement cut-off | -Ksh 45,000 | timing difference | Finance control | cleared |
| VAR-2026-07-003 | 2026-07-07 | ledger | Fee reversal posted to deposit ledger pending bank mirror | -Ksh 22,500 | bank reversal batch pending | Payments reconciliation | escalated |
Generated report confirms the Situ deposit ledger balance, partner-bank trust statement balance, safeguarding ratio, open variance owners, and management attestation required before ALCO sign-off.