Harambee DT Savings and Credit Co-operative Society Limited
Financial year end
Member returns
Returns on shares and deposits are different distributions and are shown separately.
Dividend on shares
15%
Annual return on share capital
Interest on deposits
15%
Return paid on member deposits
Income & profitability
How much the SACCO earned and retained during the year.
Total revenue
KES 7.1B
Interest income
KES 5.2B
Surplus before tax
KES 1.5B
Net surplus after tax
KES 1.2B
Size & funding
The institution's asset base and the member funds supporting it.
Total assets
KES 38.7B
Member deposits
KES 26.2B
Share capital
KES 2.5B
Lending
Member lending reported net of expected-credit-loss or impairment allowances.
Net loans
KES 32B
Membership
Member counts preserve the source's own definitions instead of treating total, active and dormant members as interchangeable.
Members
78,644
Active members
Not published
Dormant members
Not published
Capital adequacy
Permanent capital available to absorb losses, assessed only against the confirmed regulatory regime.
Core capital
KES 6.3B
Core capital / total assets
Not published
Core capital / deposits
Not published
Liquidity
The disclosed capacity to meet withdrawals and short-term obligations.
Liquidity ratio
2.7%
No regulatory pass/fail badges are shown until the applicable regime is confirmed.
Loan quality
The reviewed NPL ratio and available ECL allowance are shown without a universal pass/fail cutoff.
NPL / delinquency ratio
Not published
Audit & assurance
Who audited the statements and the conclusion they reached.
Audit opinion
unmodified
Auditor
Not published