Co-operative Bankof Kenya
Agents active · last scan 06:00 today

Insights from your AI agents

Every night, agents read deposits, mCollection, loans, onboarding and arrears across Kenyatta Avenue, Ruiru and Thika. When something needs a decision, they raise a card with the facts and a clear next step.

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Arrears agentPAR, overdue loans, recovery
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Credit agentSACCOs ready for more credit
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Growth agentDeposits, mCollection, cross-sell
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Onboarding agentNew-to-bank pipeline

Needs your action

Demo with sample data. Buttons show how actions would work and do not save anything.

SACCO banking

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— · — 2026 · Mockup with sample numbers

In — — collected KES —m in SACCO deposits (—% of target) and disbursed KES —m in SACCO loans. — new-to-bank SACCOs have joined this year against a target of —, and PAR is —%, — the —% limit.

SACCO deposits

KES —m

Spot deposits plus mCollection, this month

—% of KES —m target

mCollection share —%

—% vs previous month

Loans to SACCOs

KES —m

Disbursed this month

—% of KES —m target

Loan book KES —m

—% vs previous month

New-to-bank SACCOs

— of —

Onboarded this year vs target

—% of year-to-date target

This month: — of —

— more SACCOs in the pipeline

PAR and arrears

—%

Portfolio at risk, limit —%

KES —m collected of KES —m in arrears (—%)

— pts vs previous month

SACCOs this month

Ranked by deposits. Credit status shows where each SACCO stands: Ready for external credit In good standing In arrears No credit extended

SACCO Branch Relationship Credit status Deposits, KES m mCollection % Loan balance, KES m Days in arrears Arrears, KES m

New-to-bank pipeline

— SACCOs with — members, worth an expected KES —m a month in deposits once live.

SACCO Branch Stage Members Expected deposits, KES m / month
How each KPI is measured
SACCO deposits
Spot deposits made by SACCOs at the branch plus member collections received through mCollection, for the month.
Loans to SACCOs
Value of loans disbursed to SACCOs in the month. The loan book is the outstanding SACCO loan balance at month end.
New-to-bank SACCOs
SACCOs with no prior Co-op Bank relationship that opened accounts in the period.
PAR
Share of the SACCO loan book with payments more than 30 days overdue. Arrears collected is the overdue amount recovered in the month.
Credit status
Ready for external credit: a borrowing SACCO with a clean repayment record and a deposit history strong enough to put forward to external lenders. In good standing: has bank credit and repays on time. In arrears: has payments overdue. No credit extended: banks with Co-op but has no loan.