Loading officer dashboard…
Loading officer dashboard…
Loading officer dashboard…
Deposit-taking portfolio, savings products, fixed-deposit maturity control, and CBK safeguarding evidence.
| Account holder | Product type | Account no. | Balance KES | Interest-rate % | Opened-date | Maturity-date | Auto-renew | Status |
|---|---|---|---|---|---|---|---|---|
| Amina Mwende | Demand | SDA-001-04821 | Ksh 4,850,000 | 3.20% | 2025-10-02 | On demand | No | active |
| Greenfields Chama | Chama savings | SCH-004-11890 | Ksh 9,250,000 | 6.40% | 2024-12-11 | On demand | No | active |
| Mary Wanjiku | Fixed deposit | SFD-001-77410 | Ksh 12,500,000 | 10.80% | 2026-01-18 | 2026-07-28 | Yes | active |
| Baraka Foods Ltd | Fixed deposit | SFD-001-88201 | Ksh 7,800,000 | 10.25% | 2026-02-14 | 2026-08-16 | Yes | active |
| St. Bakhita Welfare | Savings goal | SGO-008-24003 | Ksh 2,430,000 | 7.10% | 2025-09-20 | 2026-09-20 | No | active |
| Kamau Hardware | Fixed deposit | SFD-001-66119 | Ksh 5,000,000 | 9.90% | 2025-07-07 | 2026-07-07 | Yes | matured |
| Jamii SACCO Float Trust | Demand | SDA-009-55041 | Ksh 1,875,000 | 2.80% | 2025-03-04 | On demand | No | frozen |
| Soko Seller Reserve | Savings goal | SGO-003-51872 | Ksh 310,500 | 5.50% | 2024-08-29 | 2026-06-30 | No | withdrawn |
FDs maturing in the next 30, 60, and 90 days, with renewal contact status and liquidity risk.
| Maturity window | FDs | Amount KES | Next maturity | Contact status | Renewal risk |
|---|---|---|---|---|---|
| Next 30 days | 2 | Ksh 17,500,000 | 2026-07-28 | 1 signed rollover, 1 pending instruction | KES 5.0M could leave trust account if not renewed |
| Next 60 days | 1 | Ksh 7,800,000 | 2026-08-16 | proposal sent to finance director | rate negotiation above board-approved band |
| Next 90 days | 1 | Ksh 2,430,000 | 2026-09-20 | goal maturity review not started | beneficiary payout instructions incomplete |
Situ customer deposits are held in a segregated trust account at a partner bank and reconciled monthly before ALCO sign-off.
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.
| Product | Accrued not paid | Next payment | Payment basis | Month expense |
|---|---|---|---|---|
| Demand | Ksh 412,600 | 2026-07-31 | monthly closing balance | Ksh 412,600 |
| Fixed deposit | Ksh 735,900 | 2026-07-28 | maturity or rollover date | Ksh 735,900 |
| Savings goal | Ksh 122,400 | 2026-08-05 | goal milestone cycle | Ksh 122,400 |
| Chama savings | Ksh 188,700 | 2026-07-31 | group mandate cycle | Ksh 188,700 |
The portfolio is ALCO-ready when the segregated trust account balance remains at or above 100% of deposit ledger liabilities, open variances have owners and due dates, and maturity runoff is reflected in treasury liquidity planning.
Deposit products, wallet float, customer-fund safeguarding, liquidity run protection, dormant balances, synthetic-action blocking, and board custody evidence.
| Product | Book | Customer controls | Safeguard / liquidity | Status | Custody hash |
|---|---|---|---|---|---|
Savings wallet accounts savings / deposit operations | 128,400 accounts KES 6840.0m / APR 4.50% | disclosure ready / rate notice ready / complaints ready / dormancy ready | safeguard ready / buffer 24.0% / synthetic blocked yes | within | 91f72cb4536c...d1480fe8 |
Term deposit book term_deposit / treasury ALCO | 18,240 accounts KES 3720.0m / APR 9.80% | disclosure ready / rate notice ready / complaints ready / dormancy ready | safeguard ready / buffer 18.0% / synthetic blocked yes | within | 90214fef2186...b0dad5c4 |
Merchant float wallets merchant_float / payments operations | 34,680 accounts KES 1180.0m / APR 0.00% | disclosure ready / rate notice ready / complaints ready / dormancy ready | safeguard ready / buffer 32.0% / synthetic blocked yes | within | 03a6dd85170b...2638da30 |
Agent float wallets agent_float / agent network operations | 9,840 accounts KES 640.0m / APR 0.00% | disclosure ready / rate notice ready / complaints ready / dormancy ready | safeguard ready / buffer 36.0% / synthetic blocked yes | within | 43a869730c6d...cdbc82ba |
Loan repayment wallets wallet / servicing operations | 72,300 accounts KES 920.0m / APR 0.00% | disclosure ready / rate notice ready / complaints ready / dormancy ready | safeguard ready / buffer 29.0% / synthetic blocked yes | within | ce61d3caae17...d43c0cad |
| Safeguarding account | Coverage | Segregation evidence | Status | Hash |
|---|---|---|---|---|
Customer funds safeguarding account tier one commercial bank trustee account / finance control | KES 7240.0m / KES 7180.0m coverage 100.84% / recon 6h | segregated yes / acknowledgement linked / no commingling yes | within | af746d3897d2...0bd6b3bc |
Mobile wallet float trust mobile money trust settlement account / payments finance control | KES 1840.0m / KES 1790.0m coverage 102.79% / recon 4h | segregated yes / acknowledgement linked / no commingling yes | within | a6142c6985d3...ca0b8c50 |
Agent float settlement account agency banking settlement bank / agent network finance | KES 720.0m / KES 690.0m coverage 104.35% / recon 8h | segregated yes / acknowledgement linked / no commingling yes | within | c5dfe273da1f...a0044fb9 |
Dormant balances custody account custody bank dormant funds account / records and finance control | KES 94.0m / KES 92.0m coverage 102.17% / recon 12h | segregated yes / acknowledgement linked / no commingling yes | within | dcb0074f9579...8989f1c2 |
| Run scenario | Liquidity | Action evidence | Status | Hash |
|---|---|---|---|---|
Retail withdrawal surge treasury risk | KES 1560.0m / KES 1180.0m 7/5d survival | customer notice ready / funding ready / rail ready | within | b466306a0dd8...39bfd0f3 |
Mobile wallet rail outage payments resilience | KES 650.0m / KES 420.0m 4/3d survival | customer notice ready / funding ready / rail ready | within | 3bf7ecfe7b18...a5a49efd |
Agent cash-out run agent network risk | KES 520.0m / KES 360.0m 4/3d survival | customer notice ready / funding ready / rail ready | within | 38e2fe20635d...7e96a057 |
Term deposit early break wave ALCO | KES 1060.0m / KES 840.0m 6/5d survival | customer notice ready / funding ready / rail ready | within | 9564fc7c1425...769d5642 |
| Control | Metric | Current / limit | Status | Hash |
|---|---|---|---|---|
Deposit product governance coverage Every deposit, term, merchant, agent, and wallet product has complete product-owner, customer-disclosure, safeguarding, liquidity, and custody evidence. | products with disclosure, safeguarding, liquidity, live-read, and evidence gates ready | 100.00% / 100.00% | within | d9ef6f2d6d66...25e78941 |
Customer disclosure and rate-change readiness Rate, fee, dormancy, complaints, and withdrawal terms remain customer-visible and board-controlled before product or APR changes. | products with disclosure, rate-change notice, complaints, and dormancy workflows ready | 100.00% / 100.00% | within | b27f60bb45ca...c37a2585 |
Customer-fund safeguarding segregation coverage Every customer-fund safeguarding account is segregated, sufficiently funded, bank-acknowledged, and protected from operating commingling. | safeguarding accounts with sufficient balance, segregation, no-commingling, insolvency remoteness, and payout restrictions | 100.00% / 100.00% | within | 611ec226ef7d...f6d886ba |
Wallet float reconciliation freshness Wallet ledger, bank float, GL liability, pending settlement, and dormant-custody balances reconcile inside the daily close window. | safeguarding accounts reconciled inside 24 hours | 100.00% / 100.00% | within | 94a1683888ef...f80ab56e |
Deposit liquidity buffer coverage Deposit and wallet products maintain withdrawal-speed and liquidity-buffer evidence before growth or rate campaigns. | products with minimum liquidity buffer and withdrawal SLA inside limits | 100.00% / 100.00% | within | 2ac9bbdc0766...a3f0e493 |
Deposit and wallet run scenario survival Run-protection scenarios prove stressed customer outflows can be funded with customer communications, rail fallback, and board escalation ready. | withdrawal-surge and rail-outage scenarios with survival horizon and action evidence ready | 100.00% / 100.00% | within | c78ac3caf5cd...6a3eb520 |
Dormant and unclaimed balance controls Dormant and unclaimed balances preserve customer notices, reactivation routes, fee suppression, and handoff evidence. | dormant balance cohorts with notice, reactivation, fee suppression, unclaimed handoff, and evidence ready | 100.00% / 100.00% | within | 9094d31b5342...dd3c6e17 |
Synthetic wallet action blocking No deposit, wallet, float, or dormant-balance action executes from representative or synthetic customer-fund data. | products that use live reads and block synthetic customer-fund actions | 100.00% / 100.00% | within | c08cc6901cc2...6a554803 |
Deposits and wallet risk-control manifest coverage Safeguarding, disclosure, liquidity, dormancy, payments, BCBS 239, assurance, and board controls are manifest-mapped before world-class claims. | required enterprise controls mapped without open findings | 100.00% / 100.00% | within | c4813c88a187...03244b52 |
Deposits and wallet evidence custody Every deposits and wallet safeguarding row carries reproducible custody evidence for board and supervisory review. | product, safeguarding, liquidity, dormant, and control evidence rows with custody-ready evidence | 100.00% / 100.00% | within | 3c2e8f19569f...b9c70b86 |
| Trigger | Owner | Action | Deadline | Status |
|---|---|---|---|---|
| No deposits and wallet safeguarding action packs are required for the current evidence set. | ||||
| Dormant cohort | Balance | Customer controls | Status | Hash |
|---|---|---|---|---|
Inactive wallets over 90 days wallet operations / 90d | KES 38.0m | notice sent / reactivation ready / unclaimed route ready / fee suppression ready | within | 89178a3d4307...dad44f43 |
Dormant deposits over 365 days deposit operations / 365d | KES 52.0m | notice sent / reactivation ready / unclaimed route ready / fee suppression ready | within | 73b9f7f47056...aa67b270 |
Unclaimed refunds over 180 days servicing finance / 180d | KES 4.0m | notice sent / reactivation ready / unclaimed route ready / fee suppression ready | within | f342722ce497...2e241bd6 |