Maisha Bora 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
20%
Annual return on share capital
Interest on deposits
11%
Return paid on member deposits
Income & profitability
How much the SACCO earned and retained during the year.
Total revenue
KES 879.4M
Interest income
KES 823.9M
Surplus before tax
KES 233.6M
Net surplus after tax
KES 212.8M
Size & funding
The institution's asset base and the member funds supporting it.
Total assets
KES 6.8B
Member deposits
KES 4.6B
Share capital
KES 605.7M
Lending
Member lending reported net of expected-credit-loss or impairment allowances.
Net loans
KES 4.6B
Membership
Member counts preserve the source's own definitions instead of treating total, active and dormant members as interchangeable.
Members
15,659
Active members
9,448
Dormant members
6,211
Capital adequacy
Permanent capital available to absorb losses, assessed only against the confirmed regulatory regime.
Core capital
KES 1.4B
Core capital / total assets
19.95%
Core capital / deposits
29.78%
Liquidity
The disclosed capacity to meet withdrawals and short-term obligations.
Liquidity ratio
37%
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
4.7%
Audit & assurance
Who audited the statements and the conclusion they reached.
Audit opinion
unmodified
Auditor
FEKAN Howell LLP