Portfolio at risk (PAR)

Live arrears metrics · vintage cohorts · officer accountability · recovery evidence

Risk overview

PAR reads degraded

2 sources

Officer PAR read is unavailable.
Write-off extended read is unavailable.

Gross portfolio

Ksh 870,000,000

as at 19 Jun 2026

PAR30

420.0%

▼Ksh 36,540,000

PAR60

280.0%

▼Ksh 24,360,000

PAR90

190.0%

▼Ksh 16,530,000

Recovery rate

—

▼read unavailable

Latest vintage

2026-Q2

▼PAR30 210.0%

Arrears exposure ladder

Cumulative PAR bands from the live risk summary

Current / DPD 0-2995.8%

Ksh 833,460,000 · 95.8% of portfolio95.8%

Value: 0.958
Max: 1
Threshold: 1

PAR30 cumulative420.0%

Ksh 36,540,000 · 420.0% of portfolio100.0%

Value: 4.2

Vintage curve table

6 cohorts

Cohort	Originated	Outstanding	PAR30	PAR90	Write-off	Recovery
2025-Q1	Ksh 98,500,000	Ksh 41,200,000	580.0%	290.0%	120.0%	6200.0%
2025-Q2	Ksh 124,000,000	Ksh 78,500,000	520.0%	240.0%	90.0%	6500.0%
2025-Q3	Ksh 148,000,000	Ksh 118,000,000	480.0%	210.0%	60.0%	6800.0%
2025-Q4	Ksh 182,000,000	Ksh 162,000,000	450.0%	180.0%	30.0%	7100.0%
2026-Q1	Ksh 215,000,000	Ksh 204,000,000	390.0%	120.0%	10.0%	7800.0%
2026-Q2	Ksh 180,000,000	Ksh 178,000,000	210.0%	40.0%	—	9500.0%

Officer PAR accountability

0 officers

Officer PAR read is unavailable. No representative officer leaderboard is shown.

Recovery evidence by write-off cohort

unavailable

Cohort	Written off	Recovered	Recovery rate	Status
Write-off extended read is unavailable.

Max

1

Threshold

0.05

PAR60 cumulative280.0%

Ksh 24,360,000 · 280.0% of portfolio100.0%

Value: 2.8
Max: 1
Threshold: 0.03

PAR90 / NPL190.0%

Ksh 16,530,000 · 190.0% of portfolio100.0%

Value: 1.9
Max: 1
Threshold: 0.02

Band	Outstanding	Portfolio share	Policy limit	Status
Current / DPD 0-29	Ksh 833,460,000	95.8%	—	within limit
PAR30 cumulative	Ksh 36,540,000	420.0%	5.0%	watch
PAR60 cumulative	Ksh 24,360,000	280.0%	3.0%	watch
PAR90 / NPL	Ksh 16,530,000	190.0%	2.0%	watch