Resources · Insights
Field notes on NPL recovery.
Practical writing from the team building recovery infrastructure for Kenya — for risk officers, recovery teams, compliance leads and policy folks.
- Risk economics
The provision cliff: why day 90 is the hinge
How CBK provisioning thresholds reshape the economics of NPL recovery — and why most recovery teams cross the cliff before noticing it.
- Policy
Private treaty isn't a workaround — it's the default
Kenyan law has always permitted pre-auction settlement. The problem was never the statute; it was the absence of compliant digital rails.
- Compliance
What examination-ready actually means
A practical breakdown of what a CBK examiner is looking for when they walk into your recovery operations — and what "ready" looks like.