{"name":"Line4 regulatory submissions library","licence":"Line4's own text, and the way Line4 has collected and arranged these records, are licensed under CC BY 4.0. The facts themselves (names, codes, dates, frequencies, formats) belong to no one. The regulators' document titles, template names, quoted terms and documents belong to the regulators and are not covered by this licence: see each regulator's reuse terms. Not affiliated with or endorsed by any regulator.","license_url":"https://creativecommons.org/licenses/by/4.0/","credit":"Source: Line4 regulatory submissions library (CC BY 4.0), https://www.line4.ai","last_checked":"2026-11-13","url":"https://www.line4.ai/regulatory-returns","regulators":[{"id":"cbk","last_checked":"2026-11-13","regulator":{"name":"Central Bank of Kenya","short_name":"CBK","country":"Kenya","country_code":"KE","region":"Africa","website":"https://www.centralbank.go.ke/","what_it_does":"The Central Bank of Kenya licenses and supervises commercial banks, mortgage finance companies, microfinance banks, forex bureaus, money remittance providers, credit reference bureaus, digital credit providers and payment service providers, and authorises representative offices of foreign banks. It collects periodic prudential, liquidity, large-exposure, conduct and financial statement returns from these institutions to analyse their compliance with the Banking Act, the Microfinance Act and the guidelines and regulations issued under them, and to protect depositors and the stability of the financial system.","source":"https://www.centralbank.go.ke/bank-supervision/"},"scope":{"text":"45 returns. The Central Bank of Kenya does not publish one consolidated list of every periodic return it collects, unlike some other regulators in this library; this page is anchored on the Bank's own sector-specific legal instruments, read in full: the Prudential Guidelines (CBK/PG/01 to CBK/PG/22, January 2013) and the Risk Management Guidelines (January 2013), both linked from the Legislation and Guidelines page and both issued under section 33(4) of the Banking Act, which annex the return forms for commercial banks, mortgage finance companies, non-bank financial institutions and representative offices of foreign banks; the 2025 Basel III liquidity and leverage ratio guideline and its three Excel return templates; the Microfinance (Deposit-Taking Microfinance Institutions) Regulations, 2008 for microfinance banks; and, for the other populations the Bank Supervision page lists, the Money Remittance Regulations, 2013, the Forex Bureau Guidelines, 2011, the Digital Credit Providers Regulations, 2022, the Banking (Credit Reference Bureau) Regulations, 2020 and the National Payment System Regulations, 2014. By population: 25 returns for commercial banks, mortgage finance companies and non-bank financial institutions licensed under the Banking Act (balance sheet, capital, asset quality, liquidity, market risk, large exposures, AML/CFT, compliance, agent banking, group structure, governance, published financial statements and FX Global Code conduct); 1 for representative offices of foreign banks; 8 for deposit-taking microfinance banks licensed under the Microfinance Act; 3 for money remittance providers; 4 for forex bureaus; 1 for digital credit providers; 1 for credit reference bureaus; and 2 for payment service providers. Order follows the brief's priority: commercial banks and mortgage finance companies first, then microfinance banks, then the other licensed populations the Bank's pages list. Left out: non-bank financial institutions (the Bank Supervision page says none are currently licensed); the Mortgage Refinance Companies Regulations, 2019 and the draft Credit Guarantee Business and Virtual Asset Service Providers Regulations (not yet in force); the Credit Officer Survey, Banking Sector Innovation Survey and MSME Access to Credit Survey (research surveys with no legal basis or published form found, as distinct from the returns listed here); the discontinued Kenya Banks' Reference Rate data series (last published May 2015); the Kenya Green Finance Taxonomy and Climate Risk Disclosure Framework (a disclosure framework, not a periodic return); payment system rules that are not reporting returns (KEPSS, the Electronic Matching System); one-off licensing, application and notification forms; and any return that would require requesting the Bankreturns or Non-Bankreturns Portal login pages, which this page does not do.","source":"https://www.centralbank.go.ke/bank-supervision/"},"submission_systems":[{"name":"Bankreturns Portal","what":"The online system the Bank's homepage links for filing bank returns (footer link 'Bankreturns Portal', hosted at bankreturns.centralbank.go.ke/bsa/); its own login page was not requested, following the rule never to request submission portals. A 2008 Banking Circular says returns in the then-new CBK BS(M) format were, from May 2008, filed through the Electronic Return Transmission Software (ERTS); no page found on the current site names the system in use today beyond this portal link, so it is not known whether ERTS is still the underlying system or has been replaced by the Bankreturns Portal under a new name.","url":"https://www.centralbank.go.ke/","source":"https://www.centralbank.go.ke/"},{"name":"Non-Bankreturns Portal","what":"A second online system the homepage links (footer link 'Non-Bankreturns Portal', hosted at non-bankreturns.centralbank.go.ke/bsa/). Its name suggests it is for the Bank's other licensed populations (microfinance banks, forex bureaus, money remittance providers, digital credit providers, credit reference bureaus and payment service providers), but this was not confirmed on any page read, and its login page was not requested. The same host's 'Templates/Software Downloads' link answers 200 but renders only a page titled 'Return Compilation Interface Login Page' with no further links or downloadable content.","url":"https://www.centralbank.go.ke/","source":"https://www.centralbank.go.ke/"}],"licence":{"name":"Central Bank of Kenya: copyright notice and website disclaimer, on the Privacy Policy page","quote":"Copyright 2016 © Copyright Central Bank of Kenya. All rights reserved. [The page states no terms for copying or reusing the site's content.]","url":"https://www.centralbank.go.ke/privacypolicy/","checked":"2026-11-13","redistribution":"unclear","conditions":"None stated. The Central Bank of Kenya reserves all rights and gives no terms for reusing its material.","decision":"link-only","decision_reason":"The Central Bank of Kenya reserves all rights in its website and states no terms that allow its documents to be copied or shared, so the library keeps only the link, size and SHA-256."},"public_filed_data":[{"name":"Bank Supervision Annual Report","level":"aggregate","description":"Published once a year. Chapter 1 gives the structure of the banking sector (ownership and asset base of commercial banks, distribution of branches and ATMs, asset base of microfinance banks, and distribution of forex bureaus and money remittance providers); later chapters give sector-aggregate capital adequacy, asset quality, liquidity and profitability figures. The report does not name which return feeds each table; the returns listed here are matched by subject.","url":"https://www.centralbank.go.ke/uploads/banking_sector_annual_reports/1241268828_ANNUAL%20REPORT%202025.pdf","format":"PDF","returns":["cbk-bs-m","cbk-pr3","cbk-pr5-2","mfb-bsm","mfb-pr06"],"reuse":"The regulator's general licence terms apply (see the top-level licence block); no separate reuse terms were found for this report.","source":"https://www.centralbank.go.ke/reports/bank-supervision-and-banking-sector-reports/"}],"gaps":["The home page footer link 'Templates/Software Downloads' (non-bankreturns.centralbank.go.ke/SoftwareDownload) answers 200 but renders only a page titled 'Return Compilation Interface Login Page', with no links or content when read with page.py; no templates or software could be found there, contrary to the brief's expectation that it would be a public downloads page.","The Bankreturns Portal (bankreturns.centralbank.go.ke/bsa/) and Non-Bankreturns Portal (non-bankreturns.centralbank.go.ke/bsa/) login pages themselves were not requested, following the rule never to request submission portals; it could not be confirmed which populations file through which portal, or in what file format, beyond what each sector's regulations state about the content of each return.","A 'Draft CBK Prudential Guidelines, Risk Management Guidelines, Guidance Notes, and Framework for Domestic Systemically Important Banks' is linked from the Legislation and Guidelines page (dated 10 September 2026) as a draft, not yet in force; it was not read in full because it is a consultation draft, not the Bank's current rules, but it signals that the 2013 Prudential Guidelines and Risk Management Guidelines this page is built on may be replaced. None of the returns on this page are marked 'being replaced' because no final replacement has been published.","The 2025 Basel III liquidity and leverage ratio guideline (CBK/LCR/01, CBK/NSFR/02, CBK/LR/03) does not state whether it replaces the 20% statutory minimum liquidity ratio return (CBK/PR5-2) set by the 2013 Guideline on Liquidity Management; both are recorded here as in force because no page states that CBK/PR5-2 has been withdrawn.","The Guideline on Publication of Financial Statements (CBK/PG/10) and the Guideline on External Auditors (CBK/PG/09) both name an annual return 'PR21' (in 'certified copies of the BSM-A, PR4-1A, PR21 and PR3-A returns') without ever defining what PR21 covers or giving it a full title; no other mention of PR21 was found in the Prudential Guidelines.","Kenyalaw.org (the National Council for Law Reporting) was not requested because it was not needed: the Central Bank of Kenya hosts its own current copies of the Banking Act, the Central Bank of Kenya Act, the Microfinance Act, the National Payment System Act and the Kenya Deposit Insurance Act, which this page cites instead.","elegislation.gov.ke and other third-party legal databases were not requested for the same reason: CBK's own hosted copies of the Acts were used throughout.","The CBK circulars on implementing the AML/CFT (Amendment) Act 2023 and the mutual evaluation report action plan (for example Banking Circular No. 6 of 2023) are scanned image PDFs with no extractable text (pdftotext returns an empty body), so it could not be confirmed whether the UN 1267 sanctions list return (CBK/IF 9) and the suspicious transaction report (CBK/IF 8 and CBK/FXD/5) still run through CBK directly or now run through Kenya's Financial Reporting Centre under the Proceeds of Crime and Anti-Money Laundering Act.","Section 3.12 of the Guidelines on Prohibited Business (CBK/PG/07) also names a Form CBK/PR7-1, 'Advances, Bill Discounts and Other Facilities to any Person or Connected Group Exceeding 25% of Core Capital', with the same title, threshold and deadline as CBK/PR4-3 under the Guideline on Risk Classification (CBK/PG/04). The Prudential Guidelines do not explain whether CBK/PR4-3 and CBK/PR7-1 are the same return cross-referenced under two codes, or two separate filings; recorded here as the same return as CBK/PR4-3 and not duplicated.","This 2013 guideline predates the AML/CFT (Amendment) Act 2023 and CBK's 2023 circulars implementing its mutual evaluation action plan; those circulars (for example Banking Circular No. 6 of 2023) are scanned image PDFs with no extractable text, so it could not be confirmed whether sanctions-list screening and reporting now run through a different channel, such as the national Financial Reporting Centre.","As with CBK/IF 9, it could not be confirmed whether suspicious transaction reporting now runs through the national Financial Reporting Centre rather than CBK directly; the 2023 AML/CFT amendment circulars read were scanned image PDFs with no extractable text.","The Guideline on Publication of Financial Statements (CBK/PG/10) and the Guideline on External Auditors (CBK/PG/09) both refer to an annual return 'PR21' (certified copies of 'BSM-A, PR4-1A, PR21 and PR3-A') without ever defining what PR21 covers; no other mention of PR21 was found on the pages read.","The Activity and Portfolio Report form (Eleventh Schedule) has columns headed 'Prior Month' and 'Current Month', which suggests more frequent use, but regulation 51 (the only regulation that cites this Schedule) requires only an annual review of assets and submission of the review report and return within fifteen days of that review. Recorded as annual per regulation 51; the mismatch between the form's column headings and the regulation's stated frequency is not explained on the pages read.","The Forex Bureau Guidelines say reporting institutions should, pending establishment of the Financial Reporting Centre, submit Suspicious Transaction Reports to CBK 'in the meantime'; the Financial Reporting Centre is now established (it is a separate body from CBK), so the current recipient of this form could not be confirmed from the pages read.","Regulation 33(1) of the Digital Credit Providers Regulations, 2022 also allows the Bank to require digital credit providers to submit 'periodic reports and returns as may be specified by the Bank' as part of on-site and off-site monitoring; no named return or published form for this general power was found on the pages read.","Regulation 60 of the Banking (Credit Reference Bureau) Regulations, 2020 also requires bureaus to furnish periodic reports of their business operations, including a systems report, 'in such form and within such period as the Central Bank may specify'; no named return or published form for this requirement was found on the pages read."],"sources":[{"title":"CBK: Legislation and Guidelines","url":"https://www.centralbank.go.ke/policy-procedures/legislation-and-guidelines/"},{"title":"CBK: Circulars","url":"https://www.centralbank.go.ke/policy-procedures/legislation-and-guidelines/circulars/"},{"title":"CBK: Bank Supervision","url":"https://www.centralbank.go.ke/bank-supervision/"},{"title":"CBK: Bank Supervision & Banking Sector Reports","url":"https://www.centralbank.go.ke/reports/bank-supervision-and-banking-sector-reports/"},{"title":"CBK: Prudential Guidelines (January 2013)","url":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/PRUDENTIAL-GUIDELINES.pdf"},{"title":"CBK: Risk Management Guidelines (January 2013)","url":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/risk-management-guidelines-january-20131.pdf"},{"title":"Banking Act (Cap 488)","url":"https://www.centralbank.go.ke/wp-content/uploads/2026/03/Banking-Act.pdf"},{"title":"Central Bank of Kenya Act (Cap 491)","url":"https://www.centralbank.go.ke/wp-content/uploads/2026/03/Central-Bank-of-Kenya-Act.pdf"},{"title":"Microfinance Act, 2006","url":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/MICROFINANCEACT2006.pdf"},{"title":"CBK: Guidelines on the Liquidity Coverage Ratio, Net Stable Funding Ratio and Leverage Ratio (April 2025)","url":"https://www.centralbank.go.ke/wp-content/uploads/2025/04/GUIDELINES-ON-BASEL-III-LIQUIDITY-STANDARDS-AND-LEVERAGE-RATIO.pdf"},{"title":"The Microfinance (Deposit-Taking Microfinance Institutions) Regulations, 2008","url":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/Microfinance-_Deposit-Taking-Microfinance-Institutions_-Regulations.pdf"},{"title":"The Money Remittance Regulations, 2013","url":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/The-Money-Remittance-Regulations-2013.pdf"},{"title":"Forex Bureau Guidelines, 2011","url":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/Forex-Bureau-Guidelines-2011-March-18-2011.pdf"},{"title":"Central Bank of Kenya (Digital Credit Providers) Regulations, 2022","url":"https://www.centralbank.go.ke/wp-content/uploads/2022/03/L-.N.-No.-46-Central-Bank-of-Kenya-Digital-Credit-Providers-Regulations-2022.pdf"},{"title":"National Payment System Regulations, 2014","url":"https://www.centralbank.go.ke/wp-content/uploads/2018/12/NPSRegulationsNew2014-1.pdf"},{"title":"National Payment System Act, 2011","url":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/NATIONAL-PAYMENT-SYSTEM-ACT-No-39-of-2011-21.pdf"},{"title":"Banking (Credit Reference Bureau) Regulations, 2020","url":"https://www.centralbank.go.ke/wp-content/uploads/2026/03/The-Banking-Credit-Reference-Bureau-Regulations.pdf"},{"title":"The Foreign Exchange Code (March 2023)","url":"https://www.centralbank.go.ke/wp-content/uploads/2023/03/The-Foreign-Exchange-Code.pdf"},{"title":"CBK: Privacy Policy (licence)","url":"https://www.centralbank.go.ke/privacypolicy/"},{"title":"CBK home page (links the Bankreturns and Non-Bankreturns portals)","url":"https://www.centralbank.go.ke/"}],"returns":[{"id":"cbk-bs-m","code":"CBK BS(M)","name":"Monthly balance sheet","official_name":"CBK BS(M)","group":"Balance sheet and profit and loss","status":"in force","status_note":{"text":"Named throughout the Prudential Guidelines and the Guidelines on Risk Classification, Capital Adequacy and Financial Statements as the source figure other returns must reconcile to, and confirmed as a monthly return by Banking Circular No. 2 of 2008. No page or document found on the Bank's website sets out the form itself or its completion instructions; it is filed through the Bankreturns Portal.","source":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/PRUDENTIAL-GUIDELINES.pdf"},"purpose":{"text":"The monthly balance sheet of a commercial bank, mortgage finance company or non-bank financial institution's Kenyan business. Other monthly and quarterly returns (CBK/PR3 capital adequacy, CBK/PR4-1 risk classification, CBK/PR5-1 maturity analysis) must reconcile their own asset and capital totals to the figures reported in the CBK BS(M) for the same period, with a reconciliation attached if they differ.","source":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/PRUDENTIAL-GUIDELINES.pdf"},"who_files":{"text":"All institutions licensed under the Banking Act (commercial banks, mortgage finance companies and non-bank financial institutions).","source":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/PRUDENTIAL-GUIDELINES.pdf"},"frequency":{"value":"monthly","text":"Monthly.","source":"https://www.centralbank.go.ke/uploads/banking_circulars/447010526_Banking%20Circular%20No%202%20of%202008-%20End%20of%20the%20test%20period%20for%20the%20new%20CBK%20BS%28M%29%20return.pdf"},"deadline":{"text":"Not stated on the pages read. The capital adequacy return (CBK/PR3), which must reconcile to the CBK BS(M) for the same period, is due by the 10th day of the following month; no page states whether the CBK BS(M) itself shares that deadline.","source":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/PRUDENTIAL-GUIDELINES.pdf"},"formats":{"values":["Other"],"text":"Filed through the Bankreturns Portal (bankreturns.centralbank.go.ke); the file format of a submission is not stated on the pages read, and the form itself was not found published.","source":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/PRUDENTIAL-GUIDELINES.pdf"},"legal_basis":[{"title":"Banking Act (Cap 488), section 28 (information to be furnished to the Central Bank)","url":"https://www.centralbank.go.ke/wp-content/uploads/2026/03/Banking-Act.pdf"}],"templates":{"count":0,"items":[],"source":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/PRUDENTIAL-GUIDELINES.pdf","note":"No published form was found for the CBK BS(M); it is referred to throughout the Prudential Guidelines but its layout is not shown or linked."},"documents":["cbk-prudential-guidelines","circular-2008-bsm","cbk-banking-act","cbk-legislation-guidelines-page","cbk-circulars-page"],"validation_rules":{"published":false,"count":null,"where":null,"machine_readable":false,"note":"No validation rules for this return were found on the Central Bank of Kenya's public pages.","source":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/PRUDENTIAL-GUIDELINES.pdf"},"public_data":{"level":"none found","text":"The Bank Supervision Annual Report gives aggregate balance sheet totals for the sector, but does not name the CBK BS(M) as its source; see the regulator's published data, listed on this page.","source":"https://www.centralbank.go.ke/reports/bank-supervision-and-banking-sector-reports/"},"sources":["https://www.centralbank.go.ke/wp-content/uploads/2016/08/PRUDENTIAL-GUIDELINES.pdf","https://www.centralbank.go.ke/uploads/banking_circulars/447010526_Banking%20Circular%20No%202%20of%202008-%20End%20of%20the%20test%20period%20for%20the%20new%20CBK%20BS%28M%29%20return.pdf","https://www.centralbank.go.ke/bank-supervision/"]},{"id":"cbk-pr3","code":"CBK/PR3","name":"Capital to risk weighted assets","official_name":"Return CBK/PR3: Capital to Risk Weighted Assets","group":"Capital","status":"in force","purpose":{"text":"Computes core capital (Tier 1), supplementary capital (Tier 2) and total capital, and the capital ratios against credit, market and operational risk weighted assets, incorporating market and operational risk (Forms B, C1, C2 and D).","source":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/PRUDENTIAL-GUIDELINES.pdf"},"who_files":{"text":"Every institution licensed under the Banking Act.","source":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/PRUDENTIAL-GUIDELINES.pdf"},"frequency":{"value":"monthly","text":"Monthly, position at the end of every month.","source":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/PRUDENTIAL-GUIDELINES.pdf"},"deadline":{"text":"To be received by the 10th day of the following month.","source":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/PRUDENTIAL-GUIDELINES.pdf"},"formats":{"values":["Other"],"text":"Filed electronically through the Bank's online returns system. The form itself is published as a PDF or set out in the regulations, but the exact file format of an online submission is not stated on the pages read, so this is recorded as \"Other\".","source":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/PRUDENTIAL-GUIDELINES.pdf"},"legal_basis":[{"title":"Banking Act (Cap 488), sections 18 and 19","url":"https://www.centralbank.go.ke/wp-content/uploads/2026/03/Banking-Act.pdf"},{"title":"Guideline on Capital Adequacy (CBK/PG/03)","url":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/PRUDENTIAL-GUIDELINES.pdf"}],"templates":{"count":5,"items":[{"code":"Form A (CBK/PR3)","name":"Capital adequacy computation incorporating market and operational risk"},{"code":"Form B","name":"Off-balance sheet risk weighted assets"},{"code":"Form C1","name":"Specific and general risk for interest rate related instruments"},{"code":"Form C2","name":"Foreign exchange risk"},{"code":"Form D","name":"Capital charge for operational risk"}],"source":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/PRUDENTIAL-GUIDELINES.pdf","note":"Forms B, C1, C2 and D feed lines 3, 5 and 6 of Form A."},"documents":["cbk-prudential-guidelines","cbk-banking-act","cbk-bank-supervision-page"],"validation_rules":{"published":false,"count":null,"where":null,"machine_readable":false,"note":"No validation rules for this return were found on the Central Bank of Kenya's public pages.","source":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/PRUDENTIAL-GUIDELINES.pdf"},"public_data":{"level":"aggregate","text":"Sector capital adequacy ratios are published in the Bank Supervision Annual Report.","url":"https://www.centralbank.go.ke/uploads/banking_sector_annual_reports/1241268828_ANNUAL%20REPORT%202025.pdf","format":"PDF tables","source":"https://www.centralbank.go.ke/uploads/banking_sector_annual_reports/1241268828_ANNUAL%20REPORT%202025.pdf"},"sources":["https://www.centralbank.go.ke/wp-content/uploads/2016/08/PRUDENTIAL-GUIDELINES.pdf"]},{"id":"cbk-pr4-1","code":"CBK/PR4-1","name":"Risk classification of loans and advances and provisioning","official_name":"Form CBK/PR4-1: Risk Classification of Loans and Advances and Provisioning","group":"Asset quality and provisioning","status":"in force","purpose":{"text":"Classifies loans and advances by performance (normal, watch, substandard, doubtful, loss) and computes the provisions required for each category.","source":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/PRUDENTIAL-GUIDELINES.pdf"},"who_files":{"text":"Every institution licensed under the Banking Act.","source":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/PRUDENTIAL-GUIDELINES.pdf"},"frequency":{"value":"monthly","text":"Monthly. The Central Bank may change the reporting interval.","source":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/PRUDENTIAL-GUIDELINES.pdf"},"deadline":{"text":"By the 10th day of the subsequent month.","source":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/PRUDENTIAL-GUIDELINES.pdf"},"formats":{"values":["Other"],"text":"Filed electronically through the Bank's online returns system. The form itself is published as a PDF or set out in the regulations, but the exact file format of an online submission is not stated on the pages read, so this is recorded as \"Other\".","source":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/PRUDENTIAL-GUIDELINES.pdf"},"legal_basis":[{"title":"Banking Act (Cap 488), sections 20, 31(3)(b) and 44A","url":"https://www.centralbank.go.ke/wp-content/uploads/2026/03/Banking-Act.pdf"},{"title":"Guideline on Risk Classification of Assets, Provisioning and Limitation on Interest Recoverable on Non-Performing Loans (CBK/PG/04)","url":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/PRUDENTIAL-GUIDELINES.pdf"}],"templates":{"count":1,"items":[{"code":"CBK/PR4-1","name":"Risk classification of loans and advances and provisioning"}],"source":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/PRUDENTIAL-GUIDELINES.pdf"},"documents":["cbk-prudential-guidelines","cbk-banking-act"],"validation_rules":{"published":false,"count":null,"where":null,"machine_readable":false,"note":"No validation rules for this return were found on the Central Bank of Kenya's public pages.","source":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/PRUDENTIAL-GUIDELINES.pdf"},"public_data":{"level":"none found","text":"No publicly available data from this return was found on the Central Bank of Kenya's pages read.","source":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/PRUDENTIAL-GUIDELINES.pdf"},"sources":["https://www.centralbank.go.ke/wp-content/uploads/2016/08/PRUDENTIAL-GUIDELINES.pdf"]},{"id":"cbk-pr4-2","code":"CBK/PR4-2","name":"Loans and advances performance report","official_name":"Form CBK/PR4-2: Loans and Advances Performance Report","group":"Asset quality and provisioning","status":"in force","purpose":{"text":"Reports the number of accounts and amounts past due by ageing band; the total must agree with line 6 of CBK/PR4-1.","source":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/PRUDENTIAL-GUIDELINES.pdf"},"who_files":{"text":"Every institution licensed under the Banking Act.","source":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/PRUDENTIAL-GUIDELINES.pdf"},"frequency":{"value":"monthly","text":"Monthly, filed alongside CBK/PR4-1 to CBK/PR4-5.","source":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/PRUDENTIAL-GUIDELINES.pdf"},"deadline":{"text":"By the 10th day of the subsequent month.","source":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/PRUDENTIAL-GUIDELINES.pdf"},"formats":{"values":["Other"],"text":"Filed electronically through the Bank's online returns system. The form itself is published as a PDF or set out in the regulations, but the exact file format of an online submission is not stated on the pages read, so this is recorded as \"Other\".","source":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/PRUDENTIAL-GUIDELINES.pdf"},"legal_basis":[{"title":"Guideline on Risk Classification of Assets, Provisioning and Limitation on Interest Recoverable on Non-Performing Loans (CBK/PG/04)","url":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/PRUDENTIAL-GUIDELINES.pdf"}],"templates":{"count":1,"items":[{"code":"CBK/PR4-2","name":"Loans and advances performance report"}],"source":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/PRUDENTIAL-GUIDELINES.pdf"},"documents":["cbk-prudential-guidelines"],"validation_rules":{"published":false,"count":null,"where":null,"machine_readable":false,"note":"No validation rules for this return were found on the Central Bank of Kenya's public pages.","source":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/PRUDENTIAL-GUIDELINES.pdf"},"public_data":{"level":"none found","text":"No publicly available data from this return was found on the Central Bank of Kenya's pages read.","source":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/PRUDENTIAL-GUIDELINES.pdf"},"sources":["https://www.centralbank.go.ke/wp-content/uploads/2016/08/PRUDENTIAL-GUIDELINES.pdf"]},{"id":"cbk-pr4-3","code":"CBK/PR4-3","name":"Large exposures to a person or connected group","official_name":"Form CBK/PR4-3: Advances, Bills Discounted and Other Facilities to Any Person or Connected Group Exceeding 25% of Core Capital","group":"Large exposures","status":"in force","purpose":{"text":"Lists advances, bills discounted and other facilities (guarantees, letters of credit, acceptances, bonds) to any one person or connected group that exceed 25% of core capital.","source":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/PRUDENTIAL-GUIDELINES.pdf"},"who_files":{"text":"Every institution licensed under the Banking Act.","source":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/PRUDENTIAL-GUIDELINES.pdf"},"frequency":{"value":"monthly","text":"Monthly, filed alongside CBK/PR4-1 to CBK/PR4-5.","source":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/PRUDENTIAL-GUIDELINES.pdf"},"deadline":{"text":"By the 10th day of the subsequent month.","source":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/PRUDENTIAL-GUIDELINES.pdf"},"formats":{"values":["Other"],"text":"Filed electronically through the Bank's online returns system. 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The form itself is published as a PDF or set out in the regulations, but the exact file format of an online submission is not stated on the pages read, so this is recorded as \"Other\".","source":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/PRUDENTIAL-GUIDELINES.pdf"},"legal_basis":[{"title":"Banking Act (Cap 488), section 19(1)","url":"https://www.centralbank.go.ke/wp-content/uploads/2026/03/Banking-Act.pdf"},{"title":"Guideline on Liquidity Management (CBK/PG/05)","url":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/PRUDENTIAL-GUIDELINES.pdf"}],"templates":{"count":1,"items":[{"code":"CBK/PR5-2","name":"Liquidity statement"}],"source":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/PRUDENTIAL-GUIDELINES.pdf"},"documents":["cbk-prudential-guidelines","cbk-banking-act"],"validation_rules":{"published":false,"count":null,"where":null,"machine_readable":false,"note":"No validation rules for this return were found on the Central Bank of Kenya's public pages.","source":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/PRUDENTIAL-GUIDELINES.pdf"},"public_data":{"level":"none found","text":"No publicly available data from this return was found on the Central Bank of Kenya's pages read.","source":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/PRUDENTIAL-GUIDELINES.pdf"},"sources":["https://www.centralbank.go.ke/wp-content/uploads/2016/08/PRUDENTIAL-GUIDELINES.pdf"]},{"id":"cbk-pr6","code":"CBK/PR6","name":"Foreign exchange exposure return","official_name":"Foreign Exchange Exposure Return CBK/PR6","group":"Market risk","status":"in force","purpose":{"text":"The institution's net open position in each foreign currency and its overall foreign exchange risk exposure, against the 10% of core capital limit set in the Guideline on Foreign Exchange Exposure Limits.","source":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/PRUDENTIAL-GUIDELINES.pdf"},"who_files":{"text":"Every institution licensed under the Banking Act.","source":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/PRUDENTIAL-GUIDELINES.pdf"},"frequency":{"value":"daily","text":"Daily, positions at close of business.","source":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/PRUDENTIAL-GUIDELINES.pdf"},"deadline":{"text":"By mid-day of the following day.","source":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/PRUDENTIAL-GUIDELINES.pdf"},"formats":{"values":["Other"],"text":"Filed electronically through the Bank's online returns system. The form itself is published as a PDF or set out in the regulations, but the exact file format of an online submission is not stated on the pages read, so this is recorded as \"Other\".","source":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/PRUDENTIAL-GUIDELINES.pdf"},"legal_basis":[{"title":"Banking Act (Cap 488), sections 33 and 34","url":"https://www.centralbank.go.ke/wp-content/uploads/2026/03/Banking-Act.pdf"},{"title":"Guideline on Foreign Exchange Exposure Limits (CBK/PG/06)","url":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/PRUDENTIAL-GUIDELINES.pdf"}],"templates":{"count":1,"items":[{"code":"CBK/PR6","name":"Foreign exchange exposure return"}],"source":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/PRUDENTIAL-GUIDELINES.pdf"},"documents":["cbk-prudential-guidelines","cbk-banking-act"],"validation_rules":{"published":false,"count":null,"where":null,"machine_readable":false,"note":"No validation rules for this return were found on the Central Bank of Kenya's public pages.","source":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/PRUDENTIAL-GUIDELINES.pdf"},"public_data":{"level":"none found","text":"No publicly available data from this return was found on the Central Bank of Kenya's pages read.","source":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/PRUDENTIAL-GUIDELINES.pdf"},"sources":["https://www.centralbank.go.ke/wp-content/uploads/2016/08/PRUDENTIAL-GUIDELINES.pdf"]},{"id":"cbk-pr7-2","code":"CBK/PR7-2","name":"Limitation on interest recoverable on non-performing loans","official_name":"Return on Application of Limitation on Interest Recoverable on Non-Performing Loans and Advances (CBK/PR7-2)","group":"Asset quality and provisioning","status":"in force","purpose":{"text":"Shows how the Banking Act section 44A cap on interest recoverable from a defaulting debtor on a non-performing loan has been applied, by borrower and facility.","source":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/PRUDENTIAL-GUIDELINES.pdf"},"who_files":{"text":"Every institution licensed under the Banking Act.","source":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/PRUDENTIAL-GUIDELINES.pdf"},"frequency":{"value":"monthly","text":"Monthly. The Central Bank may change the reporting interval.","source":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/PRUDENTIAL-GUIDELINES.pdf"},"deadline":{"text":"By the 10th day of the following month.","source":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/PRUDENTIAL-GUIDELINES.pdf"},"formats":{"values":["Other"],"text":"Filed electronically through the Bank's online returns system. The form itself is published as a PDF or set out in the regulations, but the exact file format of an online submission is not stated on the pages read, so this is recorded as \"Other\".","source":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/PRUDENTIAL-GUIDELINES.pdf"},"legal_basis":[{"title":"Banking Act (Cap 488), section 44A","url":"https://www.centralbank.go.ke/wp-content/uploads/2026/03/Banking-Act.pdf"},{"title":"Guidelines on Prohibited Business (CBK/PG/07)","url":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/PRUDENTIAL-GUIDELINES.pdf"}],"templates":{"count":1,"items":[{"code":"CBK/PR7-2","name":"Return on application of limitation on interest recoverable on non-performing loans and advances"}],"source":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/PRUDENTIAL-GUIDELINES.pdf"},"documents":["cbk-prudential-guidelines","cbk-banking-act"],"validation_rules":{"published":false,"count":null,"where":null,"machine_readable":false,"note":"No validation rules for this return were found on the Central Bank of Kenya's public pages.","source":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/PRUDENTIAL-GUIDELINES.pdf"},"public_data":{"level":"none found","text":"No publicly available data from this return was found on the Central Bank of Kenya's pages read.","source":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/PRUDENTIAL-GUIDELINES.pdf"},"sources":["https://www.centralbank.go.ke/wp-content/uploads/2016/08/PRUDENTIAL-GUIDELINES.pdf"]},{"id":"cbk-lcr","code":"CBK/LCR/01","name":"Liquidity coverage ratio","official_name":"Liquidity Coverage Ratio Guidelines CBK/LCR/01","group":"Liquidity","status":"in force","purpose":{"text":"The ratio of unencumbered high-quality liquid assets to total net cash outflows over a 30 calendar day stress scenario, which must be at least 100%.","source":"https://www.centralbank.go.ke/wp-content/uploads/2025/04/GUIDELINES-ON-BASEL-III-LIQUIDITY-STANDARDS-AND-LEVERAGE-RATIO.pdf"},"who_files":{"text":"All institutions licensed under the Banking Act.","source":"https://www.centralbank.go.ke/wp-content/uploads/2025/04/GUIDELINES-ON-BASEL-III-LIQUIDITY-STANDARDS-AND-LEVERAGE-RATIO.pdf"},"frequency":{"value":"monthly","text":"Banks should report the LCR to the CBK on a monthly basis.","source":"https://www.centralbank.go.ke/wp-content/uploads/2025/04/GUIDELINES-ON-BASEL-III-LIQUIDITY-STANDARDS-AND-LEVERAGE-RATIO.pdf"},"deadline":{"text":"Not stated on the pages read.","source":"https://www.centralbank.go.ke/wp-content/uploads/2025/04/GUIDELINES-ON-BASEL-III-LIQUIDITY-STANDARDS-AND-LEVERAGE-RATIO.pdf"},"formats":{"values":["Excel"],"text":"The LCR Return Template is an Excel workbook (HQLA, Outflows, Inflows and LCR calculation sheets).","source":"https://www.centralbank.go.ke/wp-content/uploads/2025/04/GUIDELINES-ON-BASEL-III-LIQUIDITY-STANDARDS-AND-LEVERAGE-RATIO.pdf"},"legal_basis":[{"title":"Banking Act (Cap 488), section 33(4)","url":"https://www.centralbank.go.ke/wp-content/uploads/2026/03/Banking-Act.pdf"},{"title":"Guidelines on the Liquidity Coverage Ratio, Net Stable Funding Ratio and Leverage Ratio, effective 1 October 2025","url":"https://www.centralbank.go.ke/wp-content/uploads/2025/04/GUIDELINES-ON-BASEL-III-LIQUIDITY-STANDARDS-AND-LEVERAGE-RATIO.pdf"}],"templates":{"count":4,"items":[{"code":"1. 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The form itself is published as a PDF or set out in the regulations, but the exact file format of an online submission is not stated on the pages read, so this is recorded as \"Other\".","source":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/PRUDENTIAL-GUIDELINES.pdf"},"legal_basis":[{"title":"Guideline on Agent Banking (CBK/PG/15)","url":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/PRUDENTIAL-GUIDELINES.pdf"}],"templates":{"count":1,"items":[{"code":"Third Schedule","name":"Number of agents operating in the previous year"}],"source":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/PRUDENTIAL-GUIDELINES.pdf"},"documents":["cbk-prudential-guidelines"],"validation_rules":{"published":false,"count":null,"where":null,"machine_readable":false,"note":"No validation rules for this return were found on the Central Bank of Kenya's public pages.","source":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/PRUDENTIAL-GUIDELINES.pdf"},"public_data":{"level":"none found","text":"No publicly available data from this return was found on the Central Bank of Kenya's pages read.","source":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/PRUDENTIAL-GUIDELINES.pdf"},"sources":["https://www.centralbank.go.ke/wp-content/uploads/2016/08/PRUDENTIAL-GUIDELINES.pdf"]},{"id":"cbk-pr19-1","code":"CBK-PR19-1","name":"Consolidated supervision annual information report","official_name":"Form CBK-PR19-1: Annual Information Report, Subsidiaries, Associates, and Significant Shareholders","group":"Group structure","status":"in force","purpose":{"text":"A chart of the institution's relationship with its subsidiaries, associates and significant shareholders, their regulators and external auditors, and the group management structure.","source":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/PRUDENTIAL-GUIDELINES.pdf"},"who_files":{"text":"Every institution licensed under the Banking Act with subsidiaries, associates or significant shareholders.","source":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/PRUDENTIAL-GUIDELINES.pdf"},"frequency":{"value":"annual","text":"Annual, as at 31 December of the preceding year.","source":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/PRUDENTIAL-GUIDELINES.pdf"},"deadline":{"text":"By 31 March each year.","source":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/PRUDENTIAL-GUIDELINES.pdf"},"formats":{"values":["Other"],"text":"Filed electronically through the Bank's online returns system. The form itself is published as a PDF or set out in the regulations, but the exact file format of an online submission is not stated on the pages read, so this is recorded as \"Other\".","source":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/PRUDENTIAL-GUIDELINES.pdf"},"legal_basis":[{"title":"Banking Act (Cap 488), section 28","url":"https://www.centralbank.go.ke/wp-content/uploads/2026/03/Banking-Act.pdf"},{"title":"Guideline on Consolidated Supervision (CBK/PG/19)","url":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/PRUDENTIAL-GUIDELINES.pdf"}],"templates":{"count":1,"items":[{"code":"CBK-PR19-1","name":"Annual information report: subsidiaries, associates and significant shareholders"}],"source":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/PRUDENTIAL-GUIDELINES.pdf"},"documents":["cbk-prudential-guidelines","cbk-banking-act"],"validation_rules":{"published":false,"count":null,"where":null,"machine_readable":false,"note":"No validation rules for this return were found on the Central Bank of Kenya's public pages.","source":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/PRUDENTIAL-GUIDELINES.pdf"},"public_data":{"level":"none found","text":"No publicly available data from this return was found on the Central Bank of Kenya's pages read.","source":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/PRUDENTIAL-GUIDELINES.pdf"},"sources":["https://www.centralbank.go.ke/wp-content/uploads/2016/08/PRUDENTIAL-GUIDELINES.pdf"]},{"id":"cbk-stress-test","code":"CBK/PG/20","name":"Stress test results report","official_name":"Guideline on Stress Testing (CBK/PG/20), section 5.5: Reporting of Stress Test Results","group":"Capital","status":"in force","purpose":{"text":"Reports the institution's latest stress test results for an exceptional but plausible event scenario and a worst case scenario, covering the impact on profit, capital and asset quality, with the conditions and assumptions used.","source":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/PRUDENTIAL-GUIDELINES.pdf"},"who_files":{"text":"Every institution licensed under the Banking Act.","source":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/PRUDENTIAL-GUIDELINES.pdf"},"frequency":{"value":"quarterly","text":"By the 10th day after the end of each quarter.","source":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/PRUDENTIAL-GUIDELINES.pdf"},"deadline":{"text":"By the 10th day after the end of each quarter.","source":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/PRUDENTIAL-GUIDELINES.pdf"},"formats":{"values":["Other"],"text":"Filed electronically through the Bank's online returns system. The form itself is published as a PDF or set out in the regulations, but the exact file format of an online submission is not stated on the pages read, so this is recorded as \"Other\".","source":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/PRUDENTIAL-GUIDELINES.pdf"},"legal_basis":[{"title":"Guideline on Stress Testing (CBK/PG/20)","url":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/PRUDENTIAL-GUIDELINES.pdf"}],"templates":{"count":1,"items":[{"code":"Table 1","name":"Stress testing results report"}],"source":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/PRUDENTIAL-GUIDELINES.pdf","note":"No separate form code is given; the guideline sets out the table format (Table 1) to be used for the baseline, exceptional-but-plausible and worst-case scenarios."},"documents":["cbk-prudential-guidelines"],"validation_rules":{"published":false,"count":null,"where":null,"machine_readable":false,"note":"No validation rules for this return were found on the Central Bank of Kenya's public pages.","source":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/PRUDENTIAL-GUIDELINES.pdf"},"public_data":{"level":"none found","text":"No publicly available data from this return was found on the Central Bank of Kenya's pages read.","source":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/PRUDENTIAL-GUIDELINES.pdf"},"sources":["https://www.centralbank.go.ke/wp-content/uploads/2016/08/PRUDENTIAL-GUIDELINES.pdf"]},{"id":"cbk-outsourcing","code":"CBK/PG/16","name":"Outsourcing annual report","official_name":"Guideline on Outsourcing (CBK/PG/16), section 4.11: Reports to Central Bank","group":"Governance","status":"in force","purpose":{"text":"Reports the type of activity the institution has outsourced and the date each outsourcing arrangement commenced.","source":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/PRUDENTIAL-GUIDELINES.pdf"},"who_files":{"text":"Every institution licensed under the Banking Act with outsourced activities.","source":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/PRUDENTIAL-GUIDELINES.pdf"},"frequency":{"value":"annual","text":"Annual.","source":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/PRUDENTIAL-GUIDELINES.pdf"},"deadline":{"text":"By 15 January of every year.","source":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/PRUDENTIAL-GUIDELINES.pdf"},"formats":{"values":["Other"],"text":"Filed electronically through the Bank's online returns system. The form itself is published as a PDF or set out in the regulations, but the exact file format of an online submission is not stated on the pages read, so this is recorded as \"Other\".","source":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/PRUDENTIAL-GUIDELINES.pdf"},"legal_basis":[{"title":"Guideline on Outsourcing (CBK/PG/16)","url":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/PRUDENTIAL-GUIDELINES.pdf"}],"templates":{"count":0,"items":[],"source":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/PRUDENTIAL-GUIDELINES.pdf","note":"No prescribed form is set out in the guideline; it specifies only the content (activity outsourced and commencement date)."},"documents":["cbk-prudential-guidelines"],"validation_rules":{"published":false,"count":null,"where":null,"machine_readable":false,"note":"No validation rules for this return were found on the Central Bank of Kenya's public pages.","source":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/PRUDENTIAL-GUIDELINES.pdf"},"public_data":{"level":"none found","text":"No publicly available data from this return was found on the Central Bank of Kenya's pages read.","source":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/PRUDENTIAL-GUIDELINES.pdf"},"sources":["https://www.centralbank.go.ke/wp-content/uploads/2016/08/PRUDENTIAL-GUIDELINES.pdf"]},{"id":"cbk-published-fs","code":"CBK/PG/10","name":"Published financial statements and other disclosures","official_name":"Guideline on Publication of Financial Statements and Other Disclosures (CBK/PG/10)","group":"Financial statements","status":"in force","purpose":{"text":"Audited annual and unaudited quarterly financial statements (statement of financial position and statement of comprehensive income) and other disclosures, cleared by CBK before publication in a nationwide newspaper and on the institution's website. Audited annual returns in CBK's prescribed format (CBK-BSM(A), PR4-1A, PR3A and others) are additionally submitted to CBK certified by the external auditor, within three months of the financial year end.","source":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/PRUDENTIAL-GUIDELINES.pdf"},"who_files":{"text":"Every institution licensed under the Banking Act.","source":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/PRUDENTIAL-GUIDELINES.pdf"},"frequency":{"value":"quarterly","text":"Quarterly (unaudited) and annual (audited).","source":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/PRUDENTIAL-GUIDELINES.pdf"},"deadline":{"text":"Unaudited quarterly statements: published by 31 May, 31 August and 30 November for the quarters ending 31 March, 30 June and 30 September; submitted to CBK for clearance at least two weeks before publication. Audited annual statements: published and submitted within three months of the financial year end (31 December), submitted for clearance at least three weeks before publication.","source":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/PRUDENTIAL-GUIDELINES.pdf"},"formats":{"values":["Other"],"text":"Published in a nationwide newspaper and on the institution's own website in CBK's prescribed format; the underlying submission to CBK is in a format not stated on the pages read.","source":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/PRUDENTIAL-GUIDELINES.pdf"},"legal_basis":[{"title":"Banking Act (Cap 488), section 22","url":"https://www.centralbank.go.ke/wp-content/uploads/2026/03/Banking-Act.pdf"},{"title":"Guideline on Publication of Financial Statements and Other Disclosures (CBK/PG/10)","url":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/PRUDENTIAL-GUIDELINES.pdf"}],"templates":{"count":0,"items":[],"source":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/PRUDENTIAL-GUIDELINES.pdf","note":"CBK prescribes the published format from time to time but no current template was found published separately from the guideline text."},"documents":["cbk-prudential-guidelines","cbk-banking-act","bank-supervision-annual-report-2025","cbk-reports-page"],"validation_rules":{"published":false,"count":null,"where":null,"machine_readable":false,"note":"No validation rules for this return were found on the Central Bank of Kenya's public pages.","source":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/PRUDENTIAL-GUIDELINES.pdf"},"public_data":{"level":"firm-level","text":"Each institution publishes its own audited annual and unaudited quarterly financial statements in a nationwide newspaper and on its own website, as required by this guideline.","source":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/PRUDENTIAL-GUIDELINES.pdf","published_by":"firm"},"sources":["https://www.centralbank.go.ke/wp-content/uploads/2016/08/PRUDENTIAL-GUIDELINES.pdf"]},{"id":"cbk-fx-code-quarterly","code":"FX Code s.1.3","name":"FX Global Code compliance report","official_name":"The Foreign Exchange Code, section 1.3: Reporting Mechanisms","group":"Market conduct","status":"in force","purpose":{"text":"Reports the institution's level of compliance with the Kenya Foreign Exchange Code (adapted from the FX Global Code's 55 principles).","source":"https://www.centralbank.go.ke/wp-content/uploads/2023/03/The-Foreign-Exchange-Code.pdf"},"who_files":{"text":"Market participants in the interbank foreign exchange market (the Foreign Exchange Code applies to institutions licensed under the Banking Act that deal in foreign exchange).","source":"https://www.centralbank.go.ke/wp-content/uploads/2023/03/The-Foreign-Exchange-Code.pdf"},"frequency":{"value":"quarterly","text":"Market Participants will be required to submit a quarterly report to CBK on the level of compliance to the FX Code.","source":"https://www.centralbank.go.ke/wp-content/uploads/2023/03/The-Foreign-Exchange-Code.pdf"},"deadline":{"text":"Within 14 days after the end of every calendar quarter; the first report was due 14 July 2023.","source":"https://www.centralbank.go.ke/wp-content/uploads/2023/03/The-Foreign-Exchange-Code.pdf"},"formats":{"values":["Other"],"text":"The one-off 2023 self-assessment used the published Excel self-assessment template; the format of the ongoing quarterly compliance report is not stated on the pages read.","source":"https://www.centralbank.go.ke/wp-content/uploads/2023/03/The-Foreign-Exchange-Code.pdf"},"legal_basis":[{"title":"Banking Act (Cap 488), section 33(4)","url":"https://www.centralbank.go.ke/wp-content/uploads/2026/03/Banking-Act.pdf"},{"title":"The Foreign Exchange Code","url":"https://www.centralbank.go.ke/wp-content/uploads/2023/03/The-Foreign-Exchange-Code.pdf"}],"templates":{"count":0,"items":[],"source":"https://www.centralbank.go.ke/wp-content/uploads/2023/03/The-Foreign-Exchange-Code.pdf","note":"The Excel self-assessment template (55 FX Global Code principle sheets) was for the one-off 2023 assessment; no separate template for the ongoing quarterly report was found."},"documents":["kenya-fx-code","kenya-fx-code-self-assessment-template","cbk-banking-act"],"validation_rules":{"published":false,"count":null,"where":null,"machine_readable":false,"note":"No validation rules for this return were found on the Central Bank of Kenya's public pages.","source":"https://www.centralbank.go.ke/wp-content/uploads/2023/03/The-Foreign-Exchange-Code.pdf"},"public_data":{"level":"none found","text":"No publicly available data from this return was found on the Central Bank of Kenya's pages read.","source":"https://www.centralbank.go.ke/wp-content/uploads/2023/03/The-Foreign-Exchange-Code.pdf"},"sources":["https://www.centralbank.go.ke/wp-content/uploads/2023/03/The-Foreign-Exchange-Code.pdf"]},{"id":"cbk-ro-quarterly","code":"CBK/PR/RO/04","name":"Quarterly return of activities for representative offices","official_name":"CBK/PR/RO/04: Quarterly Return of Activities for Representative Offices (RO) of Foreign Banking Institutions in Kenya","group":"Representative offices","status":"in force","purpose":{"text":"Reports a representative office's background information, staffing, organisational changes, regulatory sanctions and activities undertaken during the quarter.","source":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/PRUDENTIAL-GUIDELINES.pdf"},"who_files":{"text":"Representative offices of foreign banking institutions authorised in Kenya.","source":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/PRUDENTIAL-GUIDELINES.pdf"},"frequency":{"value":"quarterly","text":"Quarterly.","source":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/PRUDENTIAL-GUIDELINES.pdf"},"deadline":{"text":"Within 10 days following the end of the calendar quarter, for every representative office.","source":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/PRUDENTIAL-GUIDELINES.pdf"},"formats":{"values":["Other"],"text":"Filed electronically through the Bank's online returns system. The form itself is published as a PDF or set out in the regulations, but the exact file format of an online submission is not stated on the pages read, so this is recorded as \"Other\".","source":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/PRUDENTIAL-GUIDELINES.pdf"},"legal_basis":[{"title":"Banking Act (Cap 488)","url":"https://www.centralbank.go.ke/wp-content/uploads/2026/03/Banking-Act.pdf"},{"title":"Guideline on Authorization of Representative Offices in Kenya (CBK/PG/17)","url":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/PRUDENTIAL-GUIDELINES.pdf"}],"templates":{"count":1,"items":[{"code":"CBK/PR/RO/04","name":"Quarterly return of activities for representative offices"}],"source":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/PRUDENTIAL-GUIDELINES.pdf"},"documents":["cbk-prudential-guidelines","cbk-banking-act"],"validation_rules":{"published":false,"count":null,"where":null,"machine_readable":false,"note":"No validation rules for this return were found on the Central Bank of Kenya's public pages.","source":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/PRUDENTIAL-GUIDELINES.pdf"},"public_data":{"level":"none found","text":"The Bank Supervision page links a directory of authorised representative offices, but no financial or activity data from this return is published.","source":"https://www.centralbank.go.ke/bank-supervision/"},"sources":["https://www.centralbank.go.ke/wp-content/uploads/2016/08/PRUDENTIAL-GUIDELINES.pdf"]},{"id":"mfb-bsm","code":"CBK/MF BSM","name":"Monthly balance sheet (microfinance banks)","official_name":"CBK/MF BSM","group":"Balance sheet and profit and loss (microfinance banks)","status":"in force","purpose":{"text":"The monthly balance sheet of a deposit-taking microfinance institution, referenced throughout the Regulations as the figure other returns (capital adequacy, risk classification) must reconcile to.","source":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/Microfinance-_Deposit-Taking-Microfinance-Institutions_-Regulations.pdf"},"who_files":{"text":"Every institution licensed under the Microfinance Act as a deposit-taking microfinance institution.","source":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/Microfinance-_Deposit-Taking-Microfinance-Institutions_-Regulations.pdf"},"frequency":{"value":"monthly","text":"Every institution shall prepare an un-audited monthly financial statement.","source":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/Microfinance-_Deposit-Taking-Microfinance-Institutions_-Regulations.pdf"},"deadline":{"text":"Submitted to the Central Bank within fifteen days from the date of the return.","source":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/Microfinance-_Deposit-Taking-Microfinance-Institutions_-Regulations.pdf"},"formats":{"values":["Other"],"text":"Filed through the Bank's online returns system in a manner the Central Bank prescribes; the form itself was not found published.","source":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/Microfinance-_Deposit-Taking-Microfinance-Institutions_-Regulations.pdf"},"legal_basis":[{"title":"The Microfinance (Deposit-Taking Microfinance Institutions) Regulations, 2008, regulation 44(7)","url":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/Microfinance-_Deposit-Taking-Microfinance-Institutions_-Regulations.pdf"}],"templates":{"count":0,"items":[],"source":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/Microfinance-_Deposit-Taking-Microfinance-Institutions_-Regulations.pdf","note":"No published form was found for the CBK/MF BSM."},"documents":["dtm-regulations-2008"],"validation_rules":{"published":false,"count":null,"where":null,"machine_readable":false,"note":"No validation rules for this return were found on the Central Bank of Kenya's public pages.","source":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/Microfinance-_Deposit-Taking-Microfinance-Institutions_-Regulations.pdf"},"public_data":{"level":"none found","text":"No publicly available data from this return was found on the Central Bank of Kenya's pages read.","source":"https://www.centralbank.go.ke/reports/bank-supervision-and-banking-sector-reports/"},"sources":["https://www.centralbank.go.ke/wp-content/uploads/2016/08/Microfinance-_Deposit-Taking-Microfinance-Institutions_-Regulations.pdf"]},{"id":"mfb-pr06","code":"CBK/MFPR/06","name":"Capital to risk weighted assets ratio (microfinance banks)","official_name":"Fifth Schedule: Capital to Risk Weighted Assets Ratio Return (CBK/MFPR/06)","group":"Capital (microfinance banks)","status":"in force","purpose":{"text":"Computes core capital, supplementary capital, total capital and the capital ratios against credit, market and operational risk weighted assets, for a deposit-taking microfinance institution.","source":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/Microfinance-_Deposit-Taking-Microfinance-Institutions_-Regulations.pdf"},"who_files":{"text":"Every institution licensed under the Microfinance Act as a deposit-taking microfinance institution.","source":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/Microfinance-_Deposit-Taking-Microfinance-Institutions_-Regulations.pdf"},"frequency":{"value":"monthly","text":"At the end of every month.","source":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/Microfinance-_Deposit-Taking-Microfinance-Institutions_-Regulations.pdf"},"deadline":{"text":"To be received by the 10th day of the following month.","source":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/Microfinance-_Deposit-Taking-Microfinance-Institutions_-Regulations.pdf"},"formats":{"values":["Other"],"text":"Filed electronically through the Bank's online returns system. The form itself is published as a PDF or set out in the regulations, but the exact file format of an online submission is not stated on the pages read, so this is recorded as \"Other\".","source":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/Microfinance-_Deposit-Taking-Microfinance-Institutions_-Regulations.pdf"},"legal_basis":[{"title":"Microfinance Act, 2006, section 48(1)","url":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/MICROFINANCEACT2006.pdf"},{"title":"The Microfinance (Deposit-Taking Microfinance Institutions) Regulations, 2008, regulation 20","url":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/Microfinance-_Deposit-Taking-Microfinance-Institutions_-Regulations.pdf"}],"templates":{"count":1,"items":[{"code":"CBK/MFPR/06","name":"Capital to risk weighted assets ratio"}],"source":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/Microfinance-_Deposit-Taking-Microfinance-Institutions_-Regulations.pdf"},"documents":["dtm-regulations-2008","microfinance-act-2006"],"validation_rules":{"published":false,"count":null,"where":null,"machine_readable":false,"note":"No validation rules for this return were found on the Central Bank of Kenya's public pages.","source":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/Microfinance-_Deposit-Taking-Microfinance-Institutions_-Regulations.pdf"},"public_data":{"level":"aggregate","text":"Sector asset base and market share for microfinance banks are published in the Bank Supervision Annual Report.","url":"https://www.centralbank.go.ke/uploads/banking_sector_annual_reports/1241268828_ANNUAL%20REPORT%202025.pdf","format":"PDF tables","source":"https://www.centralbank.go.ke/uploads/banking_sector_annual_reports/1241268828_ANNUAL%20REPORT%202025.pdf"},"sources":["https://www.centralbank.go.ke/wp-content/uploads/2016/08/Microfinance-_Deposit-Taking-Microfinance-Institutions_-Regulations.pdf"]},{"id":"mfb-liquidity","code":"Sixth Schedule","name":"Liquidity statement (microfinance banks)","official_name":"Sixth Schedule: Liquidity Statement (Form 1) and Analysis of Balances Due to/from Financial Institutions (Form 2)","group":"Liquidity (microfinance banks)","status":"in force","purpose":{"text":"The statutory liquidity ratio (net liquid assets over total short-term liabilities) against the Microfinance Regulations' 20% minimum holding of liquid assets, and an analysis of balances due to and from other financial institutions.","source":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/Microfinance-_Deposit-Taking-Microfinance-Institutions_-Regulations.pdf"},"who_files":{"text":"Every institution licensed under the Microfinance Act as a deposit-taking microfinance institution.","source":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/Microfinance-_Deposit-Taking-Microfinance-Institutions_-Regulations.pdf"},"frequency":{"value":"varies","text":"Twice a month, as at the 15th and the last day of each month.","source":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/Microfinance-_Deposit-Taking-Microfinance-Institutions_-Regulations.pdf"},"deadline":{"text":"Within five working days of the 15th or last day of the month (the Friday or day before a holiday if that date falls on a weekend or holiday).","source":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/Microfinance-_Deposit-Taking-Microfinance-Institutions_-Regulations.pdf"},"formats":{"values":["Other"],"text":"Filed electronically through the Bank's online returns system. The form itself is published as a PDF or set out in the regulations, but the exact file format of an online submission is not stated on the pages read, so this is recorded as \"Other\".","source":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/Microfinance-_Deposit-Taking-Microfinance-Institutions_-Regulations.pdf"},"legal_basis":[{"title":"The Microfinance (Deposit-Taking Microfinance Institutions) Regulations, 2008, regulations 23 and 24","url":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/Microfinance-_Deposit-Taking-Microfinance-Institutions_-Regulations.pdf"}],"templates":{"count":2,"items":[{"code":"Form 1","name":"Liquidity statement"},{"code":"Form 2","name":"Analysis of balances due to/from financial institutions"}],"source":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/Microfinance-_Deposit-Taking-Microfinance-Institutions_-Regulations.pdf"},"documents":["dtm-regulations-2008"],"validation_rules":{"published":false,"count":null,"where":null,"machine_readable":false,"note":"No validation rules for this return were found on the Central Bank of Kenya's public pages.","source":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/Microfinance-_Deposit-Taking-Microfinance-Institutions_-Regulations.pdf"},"public_data":{"level":"none found","text":"No publicly available data from this return was found on the Central Bank of Kenya's pages read.","source":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/Microfinance-_Deposit-Taking-Microfinance-Institutions_-Regulations.pdf"},"sources":["https://www.centralbank.go.ke/wp-content/uploads/2016/08/Microfinance-_Deposit-Taking-Microfinance-Institutions_-Regulations.pdf"]},{"id":"mfb-self-assessment","code":"Seventh Schedule","name":"Board self-assessment (microfinance banks)","official_name":"Seventh Schedule: Board Self-Assessment Questionnaire","group":"Governance (microfinance banks)","status":"in force","purpose":{"text":"The board's self-assessment of its own performance and that of management.","source":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/Microfinance-_Deposit-Taking-Microfinance-Institutions_-Regulations.pdf"},"who_files":{"text":"Every institution licensed under the Microfinance Act as a deposit-taking microfinance institution.","source":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/Microfinance-_Deposit-Taking-Microfinance-Institutions_-Regulations.pdf"},"frequency":{"value":"annual","text":"Annual.","source":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/Microfinance-_Deposit-Taking-Microfinance-Institutions_-Regulations.pdf"},"deadline":{"text":"Not later than three months after the end of each financial year.","source":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/Microfinance-_Deposit-Taking-Microfinance-Institutions_-Regulations.pdf"},"formats":{"values":["Other"],"text":"Filed electronically through the Bank's online returns system. The form itself is published as a PDF or set out in the regulations, but the exact file format of an online submission is not stated on the pages read, so this is recorded as \"Other\".","source":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/Microfinance-_Deposit-Taking-Microfinance-Institutions_-Regulations.pdf"},"legal_basis":[{"title":"The Microfinance (Deposit-Taking Microfinance Institutions) Regulations, 2008, regulation 30","url":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/Microfinance-_Deposit-Taking-Microfinance-Institutions_-Regulations.pdf"}],"templates":{"count":1,"items":[{"code":"Seventh Schedule","name":"Board self-assessment questionnaire"}],"source":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/Microfinance-_Deposit-Taking-Microfinance-Institutions_-Regulations.pdf"},"documents":["dtm-regulations-2008"],"validation_rules":{"published":false,"count":null,"where":null,"machine_readable":false,"note":"No validation rules for this return were found on the Central Bank of Kenya's public pages.","source":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/Microfinance-_Deposit-Taking-Microfinance-Institutions_-Regulations.pdf"},"public_data":{"level":"none found","text":"No publicly available data from this return was found on the Central Bank of Kenya's pages read.","source":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/Microfinance-_Deposit-Taking-Microfinance-Institutions_-Regulations.pdf"},"sources":["https://www.centralbank.go.ke/wp-content/uploads/2016/08/Microfinance-_Deposit-Taking-Microfinance-Institutions_-Regulations.pdf"]},{"id":"mfb-large-exposures","code":"Eighth Schedule","name":"Large exposures and insider lending (microfinance banks)","official_name":"Eighth Schedule: Loans, Advances and Other Facilities to Any Person or Connected Group Exceeding 2% of Core Capital (Form 1), and to Staff Members, Shareholders, Directors and their Associates (Form 2)","group":"Large exposures (microfinance banks)","status":"in force","purpose":{"text":"Reports single borrower exposures exceeding 2% of core capital (Form 1) and insider lending to staff, shareholders, directors and their associates (Form 2).","source":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/Microfinance-_Deposit-Taking-Microfinance-Institutions_-Regulations.pdf"},"who_files":{"text":"Every institution licensed under the Microfinance Act as a deposit-taking microfinance institution.","source":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/Microfinance-_Deposit-Taking-Microfinance-Institutions_-Regulations.pdf"},"frequency":{"value":"quarterly","text":"Quarterly.","source":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/Microfinance-_Deposit-Taking-Microfinance-Institutions_-Regulations.pdf"},"deadline":{"text":"Received on the 10th day from the end of each quarter.","source":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/Microfinance-_Deposit-Taking-Microfinance-Institutions_-Regulations.pdf"},"formats":{"values":["Other"],"text":"Filed electronically through the Bank's online returns system. The form itself is published as a PDF or set out in the regulations, but the exact file format of an online submission is not stated on the pages read, so this is recorded as \"Other\".","source":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/Microfinance-_Deposit-Taking-Microfinance-Institutions_-Regulations.pdf"},"legal_basis":[{"title":"The Microfinance (Deposit-Taking Microfinance Institutions) Regulations, 2008, regulations 35(10) and 36(5)","url":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/Microfinance-_Deposit-Taking-Microfinance-Institutions_-Regulations.pdf"}],"templates":{"count":2,"items":[{"code":"Form 1","name":"Loans, advances and other facilities to any person or connected group exceeding 2% of core capital"},{"code":"Form 2","name":"Loans, advances and other facilities to staff members, shareholders, directors and their associates"}],"source":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/Microfinance-_Deposit-Taking-Microfinance-Institutions_-Regulations.pdf"},"documents":["dtm-regulations-2008"],"validation_rules":{"published":false,"count":null,"where":null,"machine_readable":false,"note":"No validation rules for this return were found on the Central Bank of Kenya's public pages.","source":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/Microfinance-_Deposit-Taking-Microfinance-Institutions_-Regulations.pdf"},"public_data":{"level":"none found","text":"No publicly available data from this return was found on the Central Bank of Kenya's pages read.","source":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/Microfinance-_Deposit-Taking-Microfinance-Institutions_-Regulations.pdf"},"sources":["https://www.centralbank.go.ke/wp-content/uploads/2016/08/Microfinance-_Deposit-Taking-Microfinance-Institutions_-Regulations.pdf"]},{"id":"mfb-fs","code":"Ninth Schedule","name":"Financial statements and disclosures (microfinance banks)","official_name":"Ninth Schedule: Annual Audited Financial Statements and Other Disclosures (Part A), Quarterly Unaudited Financial Statements and Other Disclosures (Part B)","group":"Financial statements (microfinance banks)","status":"in force","purpose":{"text":"Audited annual and unaudited quarterly financial statements and other disclosures, published in a nationwide newspaper and exhibited at every place of business, cleared by CBK before publication.","source":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/Microfinance-_Deposit-Taking-Microfinance-Institutions_-Regulations.pdf"},"who_files":{"text":"Every institution licensed under the Microfinance Act as a deposit-taking microfinance institution.","source":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/Microfinance-_Deposit-Taking-Microfinance-Institutions_-Regulations.pdf"},"frequency":{"value":"quarterly","text":"Quarterly (unaudited) and annual (audited).","source":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/Microfinance-_Deposit-Taking-Microfinance-Institutions_-Regulations.pdf"},"deadline":{"text":"Audited annual statements: within three months of the end of the financial year, submitted for CBK clearance at least three weeks before publication. Unaudited quarterly statements: on or before the 20th day from the date of their preparation, Part B of the Ninth Schedule.","source":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/Microfinance-_Deposit-Taking-Microfinance-Institutions_-Regulations.pdf"},"formats":{"values":["Other"],"text":"Published in a nationwide newspaper and exhibited at places of business, in a format CBK prescribes; the underlying submission format is not stated on the pages read.","source":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/Microfinance-_Deposit-Taking-Microfinance-Institutions_-Regulations.pdf"},"legal_basis":[{"title":"The Microfinance (Deposit-Taking Microfinance Institutions) Regulations, 2008, regulation 44","url":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/Microfinance-_Deposit-Taking-Microfinance-Institutions_-Regulations.pdf"}],"templates":{"count":2,"items":[{"code":"Part A","name":"Annual audited financial statements and other disclosures"},{"code":"Part B","name":"Quarterly unaudited financial statements and other disclosures"}],"source":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/Microfinance-_Deposit-Taking-Microfinance-Institutions_-Regulations.pdf"},"documents":["dtm-regulations-2008","bank-supervision-annual-report-2025"],"validation_rules":{"published":false,"count":null,"where":null,"machine_readable":false,"note":"No validation rules for this return were found on the Central Bank of Kenya's public pages.","source":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/Microfinance-_Deposit-Taking-Microfinance-Institutions_-Regulations.pdf"},"public_data":{"level":"firm-level","text":"Each deposit-taking microfinance institution publishes its own audited annual and unaudited quarterly financial statements in a nationwide newspaper, as required by regulation 44.","source":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/Microfinance-_Deposit-Taking-Microfinance-Institutions_-Regulations.pdf","published_by":"firm"},"sources":["https://www.centralbank.go.ke/wp-content/uploads/2016/08/Microfinance-_Deposit-Taking-Microfinance-Institutions_-Regulations.pdf"]},{"id":"mfb-risk-class","code":"Tenth Schedule","name":"Risk classification and provisioning (microfinance banks)","official_name":"Tenth Schedule: Risk Classification of Assets (Form 1) and Risk Classification of Assets and Provisioning (Form 2)","group":"Asset quality and provisioning (microfinance banks)","status":"in force","purpose":{"text":"Classifies loans and advances by days past due (normal, watch, substandard, doubtful, loss) and computes required provisions, including for rescheduled or renegotiated loans.","source":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/Microfinance-_Deposit-Taking-Microfinance-Institutions_-Regulations.pdf"},"who_files":{"text":"Every institution licensed under the Microfinance Act as a deposit-taking microfinance institution.","source":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/Microfinance-_Deposit-Taking-Microfinance-Institutions_-Regulations.pdf"},"frequency":{"value":"quarterly","text":"Every institution shall review, classify and make provisions for its loan portfolio at least once every three months (regulation 46(1)); no separate submission deadline is stated for this schedule.","source":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/Microfinance-_Deposit-Taking-Microfinance-Institutions_-Regulations.pdf"},"deadline":{"text":"Not stated on the pages read.","source":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/Microfinance-_Deposit-Taking-Microfinance-Institutions_-Regulations.pdf"},"formats":{"values":["Other"],"text":"Filed electronically through the Bank's online returns system. The form itself is published as a PDF or set out in the regulations, but the exact file format of an online submission is not stated on the pages read, so this is recorded as \"Other\".","source":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/Microfinance-_Deposit-Taking-Microfinance-Institutions_-Regulations.pdf"},"legal_basis":[{"title":"The Microfinance (Deposit-Taking Microfinance Institutions) Regulations, 2008, regulation 46","url":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/Microfinance-_Deposit-Taking-Microfinance-Institutions_-Regulations.pdf"}],"templates":{"count":2,"items":[{"code":"Form 1","name":"Risk classification of assets"},{"code":"Form 2","name":"Risk classification of assets and provisioning (portfolio ageing report)"}],"source":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/Microfinance-_Deposit-Taking-Microfinance-Institutions_-Regulations.pdf"},"documents":["dtm-regulations-2008"],"validation_rules":{"published":false,"count":null,"where":null,"machine_readable":false,"note":"No validation rules for this return were found on the Central Bank of Kenya's public pages.","source":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/Microfinance-_Deposit-Taking-Microfinance-Institutions_-Regulations.pdf"},"public_data":{"level":"none found","text":"No publicly available data from this return was found on the Central Bank of Kenya's pages read.","source":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/Microfinance-_Deposit-Taking-Microfinance-Institutions_-Regulations.pdf"},"sources":["https://www.centralbank.go.ke/wp-content/uploads/2016/08/Microfinance-_Deposit-Taking-Microfinance-Institutions_-Regulations.pdf"]},{"id":"mfb-activity-portfolio","code":"Eleventh Schedule","name":"Activity and portfolio report (microfinance banks)","official_name":"Eleventh Schedule: Activity and Portfolio Report","group":"Asset quality and provisioning (microfinance banks)","status":"in force","purpose":{"text":"Reports deposit and borrower numbers (split by sex), deposit and loan portfolio values, loans disbursed, written off and recovered, and staffing, tied to the institution's annual review of its assets.","source":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/Microfinance-_Deposit-Taking-Microfinance-Institutions_-Regulations.pdf"},"who_files":{"text":"Every institution licensed under the Microfinance Act as a deposit-taking microfinance institution.","source":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/Microfinance-_Deposit-Taking-Microfinance-Institutions_-Regulations.pdf"},"frequency":{"value":"annual","text":"At least every year, following the annual review of assets.","source":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/Microfinance-_Deposit-Taking-Microfinance-Institutions_-Regulations.pdf"},"deadline":{"text":"Within fifteen days from the date of the review.","source":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/Microfinance-_Deposit-Taking-Microfinance-Institutions_-Regulations.pdf"},"formats":{"values":["Other"],"text":"Filed electronically through the Bank's online returns system. The form itself is published as a PDF or set out in the regulations, but the exact file format of an online submission is not stated on the pages read, so this is recorded as \"Other\".","source":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/Microfinance-_Deposit-Taking-Microfinance-Institutions_-Regulations.pdf"},"legal_basis":[{"title":"The Microfinance (Deposit-Taking Microfinance Institutions) Regulations, 2008, regulation 51","url":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/Microfinance-_Deposit-Taking-Microfinance-Institutions_-Regulations.pdf"}],"templates":{"count":1,"items":[{"code":"Eleventh Schedule","name":"Activity and portfolio report"}],"source":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/Microfinance-_Deposit-Taking-Microfinance-Institutions_-Regulations.pdf"},"documents":["dtm-regulations-2008"],"validation_rules":{"published":false,"count":null,"where":null,"machine_readable":false,"note":"No validation rules for this return were found on the Central Bank of Kenya's public pages.","source":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/Microfinance-_Deposit-Taking-Microfinance-Institutions_-Regulations.pdf"},"public_data":{"level":"none found","text":"No publicly available data from this return was found on the Central Bank of Kenya's pages read.","source":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/Microfinance-_Deposit-Taking-Microfinance-Institutions_-Regulations.pdf"},"sources":["https://www.centralbank.go.ke/wp-content/uploads/2016/08/Microfinance-_Deposit-Taking-Microfinance-Institutions_-Regulations.pdf"]},{"id":"mrp-large-value-daily","code":"Regulation 34(a)","name":"Large-value transaction daily return","official_name":"The Money Remittance Regulations, 2013, regulation 34(a)","group":"Money remittance providers","status":"in force","purpose":{"text":"Reports money sent and received equivalent to or above USD 10,000 in a day, including customers whose repeat same-day transactions total that amount.","source":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/The-Money-Remittance-Regulations-2013.pdf"},"who_files":{"text":"Every licensed money remittance operator.","source":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/The-Money-Remittance-Regulations-2013.pdf"},"frequency":{"value":"daily","text":"Daily, for transactions at or above the USD 10,000 threshold.","source":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/The-Money-Remittance-Regulations-2013.pdf"},"deadline":{"text":"Not stated beyond \"daily\" on the pages read.","source":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/The-Money-Remittance-Regulations-2013.pdf"},"formats":{"values":["Other"],"text":"Submitted to the Bank online or as directed in the prescribed format; the format is not published.","source":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/The-Money-Remittance-Regulations-2013.pdf"},"legal_basis":[{"title":"The Money Remittance Regulations, 2013, regulation 34(a)","url":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/The-Money-Remittance-Regulations-2013.pdf"}],"templates":{"count":0,"items":[],"source":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/The-Money-Remittance-Regulations-2013.pdf","note":"No published template was found; the regulations set out the content (daily large-value transactions) but not a form layout."},"documents":["money-remittance-regulations-2013"],"validation_rules":{"published":false,"count":null,"where":null,"machine_readable":false,"note":"No validation rules for this return were found on the Central Bank of Kenya's public pages.","source":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/The-Money-Remittance-Regulations-2013.pdf"},"public_data":{"level":"none found","text":"No publicly available data from this return was found on the Central Bank of Kenya's pages read.","source":"https://www.centralbank.go.ke/reports/bank-supervision-and-banking-sector-reports/"},"sources":["https://www.centralbank.go.ke/wp-content/uploads/2016/08/The-Money-Remittance-Regulations-2013.pdf"]},{"id":"mrp-weekly","code":"Regulation 34(b)","name":"Weekly transactions return","official_name":"The Money Remittance Regulations, 2013, regulation 34(b)","group":"Money remittance providers","status":"in force","purpose":{"text":"Reports the operator's money remittance transactions for the week.","source":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/The-Money-Remittance-Regulations-2013.pdf"},"who_files":{"text":"Every licensed money remittance operator.","source":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/The-Money-Remittance-Regulations-2013.pdf"},"frequency":{"value":"weekly","text":"Weekly.","source":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/The-Money-Remittance-Regulations-2013.pdf"},"deadline":{"text":"Not later than 3.00 p.m. on the first working day of the following week.","source":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/The-Money-Remittance-Regulations-2013.pdf"},"formats":{"values":["Other"],"text":"Submitted to the Bank online or as directed in the prescribed format; the format is not published.","source":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/The-Money-Remittance-Regulations-2013.pdf"},"legal_basis":[{"title":"The Money Remittance Regulations, 2013, regulation 34(b)","url":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/The-Money-Remittance-Regulations-2013.pdf"}],"templates":{"count":0,"items":[],"source":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/The-Money-Remittance-Regulations-2013.pdf","note":"No published template was found."},"documents":["money-remittance-regulations-2013"],"validation_rules":{"published":false,"count":null,"where":null,"machine_readable":false,"note":"No validation rules for this return were found on the Central Bank of Kenya's public pages.","source":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/The-Money-Remittance-Regulations-2013.pdf"},"public_data":{"level":"none found","text":"No publicly available data from this return was found on the Central Bank of Kenya's pages read.","source":"https://www.centralbank.go.ke/reports/bank-supervision-and-banking-sector-reports/"},"sources":["https://www.centralbank.go.ke/wp-content/uploads/2016/08/The-Money-Remittance-Regulations-2013.pdf"]},{"id":"mrp-financial-statements","code":"Regulation 34(c)-(d)","name":"Financial statements (money remittance providers)","official_name":"The Money Remittance Regulations, 2013, regulation 34(c) and (d)","group":"Money remittance providers","status":"in force","purpose":{"text":"Quarterly unaudited and annual audited balance sheet and profit and loss account of the money remittance operator.","source":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/The-Money-Remittance-Regulations-2013.pdf"},"who_files":{"text":"Every licensed money remittance operator.","source":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/The-Money-Remittance-Regulations-2013.pdf"},"frequency":{"value":"quarterly","text":"Quarterly (unaudited) and annual (audited); the financial year ends 31 December.","source":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/The-Money-Remittance-Regulations-2013.pdf"},"deadline":{"text":"Quarterly balance sheet and profit and loss account: within thirty days after the end of every quarter. Audited annual balance sheet and profit and loss account: within three months after the end of the financial year.","source":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/The-Money-Remittance-Regulations-2013.pdf"},"formats":{"values":["Other"],"text":"Submitted to the Bank online or as directed in the prescribed format; the format is not published.","source":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/The-Money-Remittance-Regulations-2013.pdf"},"legal_basis":[{"title":"The Money Remittance Regulations, 2013, regulation 34(c) and (d)","url":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/The-Money-Remittance-Regulations-2013.pdf"},{"title":"The Money Remittance Regulations, 2013, regulation 36 (financial year)","url":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/The-Money-Remittance-Regulations-2013.pdf"}],"templates":{"count":0,"items":[],"source":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/The-Money-Remittance-Regulations-2013.pdf","note":"No published template was found."},"documents":["money-remittance-regulations-2013"],"validation_rules":{"published":false,"count":null,"where":null,"machine_readable":false,"note":"No validation rules for this return were found on the Central Bank of Kenya's public pages.","source":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/The-Money-Remittance-Regulations-2013.pdf"},"public_data":{"level":"none found","text":"No publicly available data from this return was found on the Central Bank of Kenya's pages read.","source":"https://www.centralbank.go.ke/reports/bank-supervision-and-banking-sector-reports/"},"sources":["https://www.centralbank.go.ke/wp-content/uploads/2016/08/The-Money-Remittance-Regulations-2013.pdf"]},{"id":"forex-large-value-daily","code":"Returns s.1(b)","name":"Large-value transaction daily return (forex bureaus)","official_name":"Forex Bureau Guidelines, 2011, section on Returns, paragraph (b)","group":"Forex bureaus","status":"in force","purpose":{"text":"Reports foreign exchange transactions (inflows and outflows) equivalent to or above the Guidelines' threshold in a day.","source":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/Forex-Bureau-Guidelines-2011-March-18-2011.pdf"},"who_files":{"text":"Every licensed forex bureau; the head office collates and submits for all its outlets.","source":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/Forex-Bureau-Guidelines-2011-March-18-2011.pdf"},"frequency":{"value":"daily","text":"Daily.","source":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/Forex-Bureau-Guidelines-2011-March-18-2011.pdf"},"deadline":{"text":"Not stated beyond \"daily\" on the pages read.","source":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/Forex-Bureau-Guidelines-2011-March-18-2011.pdf"},"formats":{"values":["Other"],"text":"Submitted to the Bank online or as directed in the prescribed format; the format is not published.","source":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/Forex-Bureau-Guidelines-2011-March-18-2011.pdf"},"legal_basis":[{"title":"Forex Bureau Guidelines, 2011, section on Returns","url":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/Forex-Bureau-Guidelines-2011-March-18-2011.pdf"}],"templates":{"count":0,"items":[],"source":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/Forex-Bureau-Guidelines-2011-March-18-2011.pdf","note":"No published template was found."},"documents":["forex-bureau-guidelines-2011"],"validation_rules":{"published":false,"count":null,"where":null,"machine_readable":false,"note":"No validation rules for this return were found on the Central Bank of Kenya's public pages.","source":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/Forex-Bureau-Guidelines-2011-March-18-2011.pdf"},"public_data":{"level":"none found","text":"No publicly available data from this return was found on the Central Bank of Kenya's pages read.","source":"https://www.centralbank.go.ke/reports/bank-supervision-and-banking-sector-reports/"},"sources":["https://www.centralbank.go.ke/wp-content/uploads/2016/08/Forex-Bureau-Guidelines-2011-March-18-2011.pdf"]},{"id":"forex-weekly","code":"Returns s.1(c)","name":"Weekly transactions return (forex bureaus)","official_name":"Forex Bureau Guidelines, 2011, section on Returns, paragraph (c)","group":"Forex bureaus","status":"in force","purpose":{"text":"Reports the bureau's foreign exchange transactions for the week.","source":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/Forex-Bureau-Guidelines-2011-March-18-2011.pdf"},"who_files":{"text":"Every licensed forex bureau; the head office collates and submits for all its outlets.","source":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/Forex-Bureau-Guidelines-2011-March-18-2011.pdf"},"frequency":{"value":"weekly","text":"Weekly.","source":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/Forex-Bureau-Guidelines-2011-March-18-2011.pdf"},"deadline":{"text":"Not later than 3.00 p.m. on the first working day of the following week.","source":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/Forex-Bureau-Guidelines-2011-March-18-2011.pdf"},"formats":{"values":["Other"],"text":"Submitted to the Bank online or as directed in the prescribed format; the format is not published.","source":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/Forex-Bureau-Guidelines-2011-March-18-2011.pdf"},"legal_basis":[{"title":"Forex Bureau Guidelines, 2011, section on Returns","url":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/Forex-Bureau-Guidelines-2011-March-18-2011.pdf"}],"templates":{"count":0,"items":[],"source":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/Forex-Bureau-Guidelines-2011-March-18-2011.pdf","note":"No published template was found."},"documents":["forex-bureau-guidelines-2011"],"validation_rules":{"published":false,"count":null,"where":null,"machine_readable":false,"note":"No validation rules for this return were found on the Central Bank of Kenya's public pages.","source":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/Forex-Bureau-Guidelines-2011-March-18-2011.pdf"},"public_data":{"level":"none found","text":"No publicly available data from this return was found on the Central Bank of Kenya's pages read.","source":"https://www.centralbank.go.ke/reports/bank-supervision-and-banking-sector-reports/"},"sources":["https://www.centralbank.go.ke/wp-content/uploads/2016/08/Forex-Bureau-Guidelines-2011-March-18-2011.pdf"]},{"id":"forex-financial-statements","code":"Returns s.1(d)","name":"Quarterly financial statements (forex bureaus)","official_name":"Forex Bureau Guidelines, 2011, section on Returns, paragraph (d)","group":"Forex bureaus","status":"in force","purpose":{"text":"The bureau's quarterly balance sheet and profit and loss account.","source":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/Forex-Bureau-Guidelines-2011-March-18-2011.pdf"},"who_files":{"text":"Every licensed forex bureau.","source":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/Forex-Bureau-Guidelines-2011-March-18-2011.pdf"},"frequency":{"value":"quarterly","text":"Quarterly.","source":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/Forex-Bureau-Guidelines-2011-March-18-2011.pdf"},"deadline":{"text":"Within thirty days after the end of every quarter.","source":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/Forex-Bureau-Guidelines-2011-March-18-2011.pdf"},"formats":{"values":["Other"],"text":"Submitted to the Bank online or as directed in the prescribed format; the format is not published.","source":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/Forex-Bureau-Guidelines-2011-March-18-2011.pdf"},"legal_basis":[{"title":"Forex Bureau Guidelines, 2011, section on Returns","url":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/Forex-Bureau-Guidelines-2011-March-18-2011.pdf"}],"templates":{"count":0,"items":[],"source":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/Forex-Bureau-Guidelines-2011-March-18-2011.pdf","note":"No published template was found."},"documents":["forex-bureau-guidelines-2011"],"validation_rules":{"published":false,"count":null,"where":null,"machine_readable":false,"note":"No validation rules for this return were found on the Central Bank of Kenya's public pages.","source":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/Forex-Bureau-Guidelines-2011-March-18-2011.pdf"},"public_data":{"level":"none found","text":"No publicly available data from this return was found on the Central Bank of Kenya's pages read.","source":"https://www.centralbank.go.ke/reports/bank-supervision-and-banking-sector-reports/"},"sources":["https://www.centralbank.go.ke/wp-content/uploads/2016/08/Forex-Bureau-Guidelines-2011-March-18-2011.pdf"]},{"id":"forex-str","code":"CBK/FXD/5","name":"Suspicious transaction report (forex bureaus)","official_name":"Suspicious Transaction Report - Form/CBK/FXD/5 (Suspicious Activities or Transactions Report)","group":"Forex bureaus","status":"in force","purpose":{"text":"Reports a suspicious transaction or activity identified by a forex bureau, for CBK's Bank Supervision Department.","source":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/Forex-Bureau-Guidelines-2011-March-18-2011.pdf"},"who_files":{"text":"Every licensed forex bureau, when it identifies a suspicious transaction.","source":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/Forex-Bureau-Guidelines-2011-March-18-2011.pdf"},"frequency":{"value":"event-driven","text":"As suspicious transactions arise; no fixed schedule.","source":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/Forex-Bureau-Guidelines-2011-March-18-2011.pdf"},"deadline":{"text":"Not stated on the pages read.","source":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/Forex-Bureau-Guidelines-2011-March-18-2011.pdf"},"formats":{"values":["Other"],"text":"Submitted to the Director, Bank Supervision Department; the format of submission (paper or electronic) is not stated on the pages read.","source":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/Forex-Bureau-Guidelines-2011-March-18-2011.pdf"},"legal_basis":[{"title":"Forex Bureau Guidelines, 2011, section 3 (Reporting Obligations) and Appendix V, citing the Proceeds of Crime and Anti-Money Laundering Act, 2009, section 44","url":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/Forex-Bureau-Guidelines-2011-March-18-2011.pdf"}],"templates":{"count":1,"items":[{"code":"CBK/FXD/5","name":"Suspicious Activities or Transactions Report (SATR)"}],"source":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/Forex-Bureau-Guidelines-2011-March-18-2011.pdf"},"documents":["forex-bureau-guidelines-2011"],"validation_rules":{"published":false,"count":null,"where":null,"machine_readable":false,"note":"No validation rules for this return were found on the Central Bank of Kenya's public pages.","source":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/Forex-Bureau-Guidelines-2011-March-18-2011.pdf"},"public_data":{"level":"none found","text":"No publicly available data from this return was found on the Central Bank of Kenya's pages read.","source":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/Forex-Bureau-Guidelines-2011-March-18-2011.pdf"},"sources":["https://www.centralbank.go.ke/wp-content/uploads/2016/08/Forex-Bureau-Guidelines-2011-March-18-2011.pdf"]},{"id":"dcp-annual-compliance","code":"Regulation 5(7)","name":"Annual compliance certification return","official_name":"Central Bank of Kenya (Digital Credit Providers) Regulations, 2022, regulation 5(7)","group":"Digital credit providers","status":"in force","purpose":{"text":"A return certifying the digital credit provider's compliance with the Central Bank of Kenya Act and the Digital Credit Providers Regulations.","source":"https://www.centralbank.go.ke/wp-content/uploads/2022/03/L-.N.-No.-46-Central-Bank-of-Kenya-Digital-Credit-Providers-Regulations-2022.pdf"},"who_files":{"text":"Every licensed digital credit provider.","source":"https://www.centralbank.go.ke/wp-content/uploads/2022/03/L-.N.-No.-46-Central-Bank-of-Kenya-Digital-Credit-Providers-Regulations-2022.pdf"},"frequency":{"value":"annual","text":"Annual.","source":"https://www.centralbank.go.ke/wp-content/uploads/2022/03/L-.N.-No.-46-Central-Bank-of-Kenya-Digital-Credit-Providers-Regulations-2022.pdf"},"deadline":{"text":"On or before the thirty-first day of December every year.","source":"https://www.centralbank.go.ke/wp-content/uploads/2022/03/L-.N.-No.-46-Central-Bank-of-Kenya-Digital-Credit-Providers-Regulations-2022.pdf"},"formats":{"values":["Other"],"text":"In such manner as the Bank may specify; no format is published.","source":"https://www.centralbank.go.ke/wp-content/uploads/2022/03/L-.N.-No.-46-Central-Bank-of-Kenya-Digital-Credit-Providers-Regulations-2022.pdf"},"legal_basis":[{"title":"Central Bank of Kenya (Amendment) Act, 2021","url":"https://www.centralbank.go.ke/wp-content/uploads/2026/03/Central-Bank-of-Kenya-Act.pdf"},{"title":"Central Bank of Kenya (Digital Credit Providers) Regulations, 2022, regulation 5(7)","url":"https://www.centralbank.go.ke/wp-content/uploads/2022/03/L-.N.-No.-46-Central-Bank-of-Kenya-Digital-Credit-Providers-Regulations-2022.pdf"}],"templates":{"count":0,"items":[],"source":"https://www.centralbank.go.ke/wp-content/uploads/2022/03/L-.N.-No.-46-Central-Bank-of-Kenya-Digital-Credit-Providers-Regulations-2022.pdf","note":"No published template was found; the regulations say the Bank specifies the manner of submission."},"documents":["dcp-regulations-2022","cbk-act-cap-491"],"validation_rules":{"published":false,"count":null,"where":null,"machine_readable":false,"note":"No validation rules for this return were found on the Central Bank of Kenya's public pages.","source":"https://www.centralbank.go.ke/wp-content/uploads/2022/03/L-.N.-No.-46-Central-Bank-of-Kenya-Digital-Credit-Providers-Regulations-2022.pdf"},"public_data":{"level":"none found","text":"The Bank Supervision page links a directory of licensed digital credit providers, but no financial or compliance data from this return is published.","source":"https://www.centralbank.go.ke/bank-supervision/"},"sources":["https://www.centralbank.go.ke/wp-content/uploads/2022/03/L-.N.-No.-46-Central-Bank-of-Kenya-Digital-Credit-Providers-Regulations-2022.pdf"]},{"id":"crb-audited-financial-statements","code":"Regulation 61","name":"Audited annual financial statements (credit reference bureaus)","official_name":"Banking (Credit Reference Bureau) Regulations, 2020, regulation 61","group":"Credit reference bureaus","status":"in force","purpose":{"text":"The credit reference bureau's audited financial statements for the previous year.","source":"https://www.centralbank.go.ke/wp-content/uploads/2026/03/The-Banking-Credit-Reference-Bureau-Regulations.pdf"},"who_files":{"text":"Every licensed credit reference bureau.","source":"https://www.centralbank.go.ke/wp-content/uploads/2026/03/The-Banking-Credit-Reference-Bureau-Regulations.pdf"},"frequency":{"value":"annual","text":"Annual.","source":"https://www.centralbank.go.ke/wp-content/uploads/2026/03/The-Banking-Credit-Reference-Bureau-Regulations.pdf"},"deadline":{"text":"Not later than 31 March of each year.","source":"https://www.centralbank.go.ke/wp-content/uploads/2026/03/The-Banking-Credit-Reference-Bureau-Regulations.pdf"},"formats":{"values":["Other"],"text":"Format not stated on the pages read.","source":"https://www.centralbank.go.ke/wp-content/uploads/2026/03/The-Banking-Credit-Reference-Bureau-Regulations.pdf"},"legal_basis":[{"title":"Banking Act (Cap 488), section 31(4)","url":"https://www.centralbank.go.ke/wp-content/uploads/2026/03/Banking-Act.pdf"},{"title":"Banking (Credit Reference Bureau) Regulations, 2020, regulation 61","url":"https://www.centralbank.go.ke/wp-content/uploads/2026/03/The-Banking-Credit-Reference-Bureau-Regulations.pdf"}],"templates":{"count":0,"items":[],"source":"https://www.centralbank.go.ke/wp-content/uploads/2026/03/The-Banking-Credit-Reference-Bureau-Regulations.pdf","note":"No published template was found."},"documents":["crb-regulations","cbk-banking-act"],"validation_rules":{"published":false,"count":null,"where":null,"machine_readable":false,"note":"No validation rules for this return were found on the Central Bank of Kenya's public pages.","source":"https://www.centralbank.go.ke/wp-content/uploads/2026/03/The-Banking-Credit-Reference-Bureau-Regulations.pdf"},"public_data":{"level":"none found","text":"The Bank Supervision page links a directory of licensed credit reference bureaus and approved third-party credit information providers, but no financial data from this return is published.","source":"https://www.centralbank.go.ke/bank-supervision/"},"sources":["https://www.centralbank.go.ke/wp-content/uploads/2026/03/The-Banking-Credit-Reference-Bureau-Regulations.pdf"]},{"id":"psp-oversight-monthly","code":"Fifth Schedule","name":"Oversight data return (payment service providers)","official_name":"National Payment System Regulations, 2014, regulations 29(2) and 49, Fifth Schedule: Oversight Data Requirement","group":"Payment service providers","status":"in force","purpose":{"text":"For payment service providers: the volumes, values and geographic distribution of each electronic retail transfer payment instrument, incidents of fraud, theft or robbery, material service interruptions and major security breaches, and complaints reported, resolved and outstanding. For small e-money issuers: the total e-money outstanding, number of e-money accounts, transaction volumes and values, and incidents of fraud.","source":"https://www.centralbank.go.ke/wp-content/uploads/2018/12/NPSRegulationsNew2014-1.pdf"},"who_files":{"text":"Every authorised payment service provider (regulation 29) and every registered small e-money issuer (regulation 49).","source":"https://www.centralbank.go.ke/wp-content/uploads/2018/12/NPSRegulationsNew2014-1.pdf"},"frequency":{"value":"monthly","text":"Monthly.","source":"https://www.centralbank.go.ke/wp-content/uploads/2018/12/NPSRegulationsNew2014-1.pdf"},"deadline":{"text":"Payment service providers: within ten days of the end of every calendar month. Small e-money issuers: within ten working days of the end of every calendar month.","source":"https://www.centralbank.go.ke/wp-content/uploads/2018/12/NPSRegulationsNew2014-1.pdf"},"formats":{"values":["Other"],"text":"Filed electronically through the Bank's online returns system. The form itself is published as a PDF or set out in the regulations, but the exact file format of an online submission is not stated on the pages read, so this is recorded as \"Other\".","source":"https://www.centralbank.go.ke/wp-content/uploads/2018/12/NPSRegulationsNew2014-1.pdf"},"legal_basis":[{"title":"National Payment System Act, 2011, sections 6 and 20","url":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/NATIONAL-PAYMENT-SYSTEM-ACT-No-39-of-2011-21.pdf"},{"title":"National Payment System Regulations, 2014, regulations 29 and 49","url":"https://www.centralbank.go.ke/wp-content/uploads/2018/12/NPSRegulationsNew2014-1.pdf"}],"templates":{"count":1,"items":[{"code":"Fifth Schedule","name":"Oversight data requirement"}],"source":"https://www.centralbank.go.ke/wp-content/uploads/2018/12/NPSRegulationsNew2014-1.pdf"},"documents":["nps-regulations-2014","nps-act-2011"],"validation_rules":{"published":false,"count":null,"where":null,"machine_readable":false,"note":"No validation rules for this return were found on the Central Bank of Kenya's public pages.","source":"https://www.centralbank.go.ke/wp-content/uploads/2018/12/NPSRegulationsNew2014-1.pdf"},"public_data":{"level":"none found","text":"The register of authorised payment service providers is public, but no transaction or complaints data from this return is published.","source":"https://www.centralbank.go.ke/bank-supervision/"},"sources":["https://www.centralbank.go.ke/wp-content/uploads/2018/12/NPSRegulationsNew2014-1.pdf"]},{"id":"psp-annual-financial-statements","code":"Regulation 29(3)","name":"Annual audited financial statements (payment service providers)","official_name":"National Payment System Regulations, 2014, regulation 29(3)","group":"Payment service providers","status":"in force","purpose":{"text":"Audited financial statements covering the provider's payment services activities in Kenya, separate audited financial statements for the provider and the Trust accounts, and a system security audit report by an independent audit firm.","source":"https://www.centralbank.go.ke/wp-content/uploads/2018/12/NPSRegulationsNew2014-1.pdf"},"who_files":{"text":"Every authorised payment service provider.","source":"https://www.centralbank.go.ke/wp-content/uploads/2018/12/NPSRegulationsNew2014-1.pdf"},"frequency":{"value":"annual","text":"Annual, for the year ending 31 December.","source":"https://www.centralbank.go.ke/wp-content/uploads/2018/12/NPSRegulationsNew2014-1.pdf"},"deadline":{"text":"Within three months of 31 December every year.","source":"https://www.centralbank.go.ke/wp-content/uploads/2018/12/NPSRegulationsNew2014-1.pdf"},"formats":{"values":["Other"],"text":"Format not stated on the pages read.","source":"https://www.centralbank.go.ke/wp-content/uploads/2018/12/NPSRegulationsNew2014-1.pdf"},"legal_basis":[{"title":"National Payment System Act, 2011, sections 6 and 20","url":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/NATIONAL-PAYMENT-SYSTEM-ACT-No-39-of-2011-21.pdf"},{"title":"National Payment System Regulations, 2014, regulation 29(3)","url":"https://www.centralbank.go.ke/wp-content/uploads/2018/12/NPSRegulationsNew2014-1.pdf"}],"templates":{"count":0,"items":[],"source":"https://www.centralbank.go.ke/wp-content/uploads/2018/12/NPSRegulationsNew2014-1.pdf","note":"No published template was found; the regulation sets out the content (audited accounts, Trust account accounts, security audit report) but not a form layout."},"documents":["nps-regulations-2014","nps-act-2011"],"validation_rules":{"published":false,"count":null,"where":null,"machine_readable":false,"note":"No validation rules for this return were found on the Central Bank of Kenya's public pages.","source":"https://www.centralbank.go.ke/wp-content/uploads/2018/12/NPSRegulationsNew2014-1.pdf"},"public_data":{"level":"none found","text":"No publicly available data from this return was found on the Central Bank of Kenya's pages read.","source":"https://www.centralbank.go.ke/bank-supervision/"},"sources":["https://www.centralbank.go.ke/wp-content/uploads/2018/12/NPSRegulationsNew2014-1.pdf"]}],"documents":[{"id":"cbk-legislation-guidelines-page","title":"Legislation and Guidelines","url":"https://www.centralbank.go.ke/policy-procedures/legislation-and-guidelines/","role":"guidance","file_type":"html","downloadable":true,"size_bytes":null,"sha256":null,"date":null,"note":"Links the Banking Act, the Central Bank of Kenya Act, the Microfinance Act, the Prudential Guidelines, the Risk Management Guidelines, the Basel III liquidity and leverage ratio guideline (and its return templates), and the regulations for digital credit providers, credit reference bureaus and the National Payment System. The Central Bank of Kenya does not publish one consolidated list of all its periodic returns; this page and the Bank Supervision page are the closest anchors."},{"id":"cbk-bank-supervision-page","title":"Bank Supervision","url":"https://www.centralbank.go.ke/bank-supervision/","role":"guidance","file_type":"html","downloadable":true,"size_bytes":null,"sha256":null,"date":null,"note":"Describes the populations the Central Bank of Kenya supervises: commercial banks and mortgage finance companies, microfinance banks, forex bureaus, money remittance providers, credit reference bureaus, representative offices of foreign banks, non-bank financial institutions (none currently licensed) and digital credit providers. Links the directories of licensed firms for each population."},{"id":"cbk-circulars-page","title":"Circulars","url":"https://www.centralbank.go.ke/policy-procedures/legislation-and-guidelines/circulars/","role":"other","file_type":"html","downloadable":true,"size_bytes":null,"sha256":null,"date":null,"note":"The Central Bank of Kenya's banking, microfinance banks and payments circulars, by year. Checked for circulars that change how returns are filed; most circulars concern monetary policy, AML/CFT and conduct matters rather than return formats."},{"id":"cbk-reports-page","title":"Bank Supervision & Banking Sector Reports","url":"https://www.centralbank.go.ke/reports/bank-supervision-and-banking-sector-reports/","role":"other","file_type":"html","downloadable":true,"size_bytes":null,"sha256":null,"date":null,"note":"Links the Bank Supervision Annual Reports, Banking Sector Quarterly Reports (credit officer surveys and sector developments), Commercial Banks Average Lending Rates, KBRR Data Reports (last published May 2015, discontinued) and Fintech Reports."},{"id":"cbk-prudential-guidelines","title":"Prudential Guidelines for Institutions Licensed under the Banking Act","url":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/PRUDENTIAL-GUIDELINES.pdf","role":"template","file_type":"pdf","downloadable":true,"size_bytes":3430327,"sha256":"9c2c9d5eda13b7791a79d32760a97eb5a326cb6b5109c5af9154b679d820efbb","date":"2013-01-01","note":"22 guidelines (CBK/PG/01 to CBK/PG/22) covering licensing, corporate governance, capital adequacy, risk classification and provisioning, liquidity management, foreign exchange exposure limits, prohibited business, anti-money laundering, external auditors, publication of financial statements, opening and closing places of business, mergers, enforcement, business continuity, agent banking, outsourcing, representative offices, voluntary liquidation, consolidated supervision, stress testing, prompt corrective action and consumer protection. Each guideline annexes the return forms and completion instructions it requires (CBK/PR3, CBK/PR4-1 to CBK/PR4-5, CBK/PR5-1, CBK/PR5-2, CBK/PR6, CBK/PR7-1, CBK/PR7-2, the Third to Sixth Schedules for agent banking, CBK/PR/RO/04, CBK-PR19-1, CBK/IF 8 and CBK/IF 9). Last-modified header 2016-09-01 is a re-upload date; the document itself states January 2013 and no newer version was found on the pages read (a 2026 draft replacement is in consultation; see gaps)."},{"id":"cbk-risk-management-guidelines","title":"Risk Management Guidelines","url":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/risk-management-guidelines-january-20131.pdf","role":"template","file_type":"pdf","downloadable":true,"size_bytes":829396,"sha256":"1e901ffc96727f2830de788ee2afb16da3679fa71e2ea0755f0e99b84181a43b","date":"2013-01-01","note":"Covers strategic, credit, liquidity, market, operational, compliance, legal, strategic, reputational and country risk management. Appendix I is the Monthly Compliance Return (CBK/RMG/7-1), a 39-item checklist against Banking Act and Prudential Guideline requirements. Appendix II is the Country and Transfer Risk return (CBK/PR30)."},{"id":"cbk-banking-act","title":"Banking Act (Cap 488)","url":"https://www.centralbank.go.ke/wp-content/uploads/2026/03/Banking-Act.pdf","role":"legal text","file_type":"pdf","downloadable":true,"size_bytes":642381,"sha256":"c9b5b49e5a02956bf3ade9098f0e9ca9b4c1624a3c96ded3a894980850f3ff67","date":"2026-03-25","note":"The Bank's own copy; the 2026-03-25 date is when this copy was last uploaded, not necessarily the date of the latest amendment."},{"id":"cbk-act-cap-491","title":"Central Bank of Kenya Act (Cap 491)","url":"https://www.centralbank.go.ke/wp-content/uploads/2026/03/Central-Bank-of-Kenya-Act.pdf","role":"legal text","file_type":"pdf","downloadable":true,"size_bytes":595654,"sha256":"930e139692633a596e2942e77f148d7d48d2f5f5bc88f22c39f77b82dd485654","date":"2026-03-25"},{"id":"microfinance-act-2006","title":"Microfinance Act, 2006 (No. 19 of 2006)","url":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/MICROFINANCEACT2006.pdf","role":"legal text","file_type":"pdf","downloadable":true,"size_bytes":522622,"sha256":"69305d77d3b3936c7d55899fe09ef914e71759f4e6d22075f6f6625c453d22c7","date":"2016-09-01"},{"id":"basel-iii-liquidity-leverage-guideline","title":"Guidelines on the Liquidity Coverage Ratio, Net Stable Funding Ratio and Leverage Ratio","url":"https://www.centralbank.go.ke/wp-content/uploads/2025/04/GUIDELINES-ON-BASEL-III-LIQUIDITY-STANDARDS-AND-LEVERAGE-RATIO.pdf","role":"instructions","file_type":"pdf","downloadable":true,"size_bytes":752721,"sha256":"c7be3bdd3caf61e9e2fbe4c4dcc9d676fa0228ad34cfad8fc56bbb3fff7909f4","date":"2025-04","note":"Three guidelines in one PDF: CBK/LCR/01 (Liquidity Coverage Ratio), CBK/NSFR/02 (Net Stable Funding Ratio) and CBK/LR/03 (Leverage Ratio), each issued under section 33(4) of the Banking Act, effective 1 October 2025. Does not state whether it replaces the 20% statutory minimum liquidity ratio return (CBK/PR5-2) under the 2013 Liquidity Management guideline; see gaps."},{"id":"lcr-return-template","title":"LCR Return Template","url":"https://www.centralbank.go.ke/wp-content/uploads/2025/04/LCR-Return-Template.xlsx","role":"template","file_type":"xlsx","downloadable":true,"size_bytes":91176,"sha256":"854c985575e28f3cfc327b8f654e7d321d8c20eacd2089319312acb8a9e78081","date":"2025-04-17","note":"Sheets: 1. HQLA, 2. Outflows, 3. Inflows, 4. LCR calculation."},{"id":"lr-return-template","title":"LR Return Template","url":"https://www.centralbank.go.ke/wp-content/uploads/2025/04/LR-Return-Template.xlsx","role":"template","file_type":"xlsx","downloadable":true,"size_bytes":59764,"sha256":"a54b9e68059857dada0ffb5d1387efa99024b35a4363ed2cf11afea1f40e6764","date":"2025-04-17","note":"One sheet: LR."},{"id":"nsfr-return-template","title":"NSFR Return Template","url":"https://www.centralbank.go.ke/wp-content/uploads/2025/04/NSFR-Return-Template.xlsx","role":"template","file_type":"xlsx","downloadable":true,"size_bytes":62189,"sha256":"74109ed941277afcbb5823daf2b05bfdc0e8e2a854171b5cc2834f06a119b01b","date":"2025-04-17","note":"One sheet: NSFR."},{"id":"dtm-regulations-2008","title":"The Microfinance (Deposit-Taking Microfinance Institutions) Regulations, 2008","url":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/Microfinance-_Deposit-Taking-Microfinance-Institutions_-Regulations.pdf","role":"template","file_type":"pdf","downloadable":true,"size_bytes":580856,"sha256":"fcde39f7542fa4d1acfba8dcf64d5e3ca8bf44303a3b01d10f705725a8a5c393","date":"2008","note":"Made under section 48(1) of the Microfinance Act. Schedules Five to Eleven annex the deposit-taking microfinance bank return forms: capital to risk weighted assets (CBK/MFPR/06, Fifth Schedule), liquidity statement (Sixth Schedule), board self-assessment (Seventh Schedule), large exposures and insider lending (Eighth Schedule), financial statements and disclosures (Ninth Schedule), risk classification and provisioning (Tenth Schedule) and the activity and portfolio report (Eleventh Schedule)."},{"id":"money-remittance-regulations-2013","title":"The Money Remittance Regulations, 2013","url":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/The-Money-Remittance-Regulations-2013.pdf","role":"legal text","file_type":"pdf","downloadable":true,"size_bytes":556179,"sha256":"33efd20d0aed65c5cf719fe10afb7908acb8affd7ff3341bc0d4b84038a3eb45","date":"2013","note":"Regulation 34 sets the daily, weekly and quarterly returns money remittance operators must file; no template for these returns is set out in the regulations themselves (only the application and fee schedules are)."},{"id":"forex-bureau-guidelines-2011","title":"Forex Bureau Guidelines, 2011","url":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/Forex-Bureau-Guidelines-2011-March-18-2011.pdf","role":"template","file_type":"pdf","downloadable":true,"size_bytes":551870,"sha256":"7d622bbce6c465ae44e0ee4e25ba51040ca2e702ba6e3538497d5e606df02678","date":"2011-03-18","note":"Section on returns sets the daily, weekly and quarterly returns forex bureaus must file (no template is published for these). Appendix V is the Suspicious Transaction Report form (CBK/FXD/5), the same layout as the Suspicious Activities or Transactions Report (CBK/IF 8) for banks."},{"id":"dcp-regulations-2022","title":"Central Bank of Kenya (Digital Credit Providers) Regulations, 2022","url":"https://www.centralbank.go.ke/wp-content/uploads/2022/03/L-.N.-No.-46-Central-Bank-of-Kenya-Digital-Credit-Providers-Regulations-2022.pdf","role":"legal text","file_type":"pdf","downloadable":true,"size_bytes":352358,"sha256":"b97349b142b38251c1a831fecadd54f0fb319d3226f96d996792dd4b5cbdd5b8","date":"2022-03-21","note":"Legal Notice No. 46 of 2022. Regulation 5(7) requires an annual compliance return; regulation 33 allows the Bank to require other periodic reports and returns, in a form the regulations do not publish."},{"id":"nps-regulations-2014","title":"National Payment System Regulations, 2014","url":"https://www.centralbank.go.ke/wp-content/uploads/2018/12/NPSRegulationsNew2014-1.pdf","role":"template","file_type":"pdf","downloadable":true,"size_bytes":1168261,"sha256":"eb7367a92744730582e6c9e84b2b2aa71e2c9608ac29cc3dce7ec7d947c52eb2","date":"2014","note":"Regulation 29(2) sets a monthly oversight data return for payment service providers and regulation 49 a monthly return for small e-money issuers, both in the format set out in the Fifth Schedule (Oversight Data Requirement). Regulations 29(3) and 49 (via regulation 44 of the same Part) set annual audited financial statement requirements."},{"id":"nps-act-2011","title":"National Payment System Act, 2011 (No. 39 of 2011)","url":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/NATIONAL-PAYMENT-SYSTEM-ACT-No-39-of-2011-21.pdf","role":"legal text","file_type":"pdf","downloadable":true,"size_bytes":216142,"sha256":"3b431bd1d2436290449f9d4a527efd84741b5472f70af6266def884cbd1845b3","date":"2016-09-01"},{"id":"crb-regulations","title":"Banking (Credit Reference Bureau) Regulations, 2020","url":"https://www.centralbank.go.ke/wp-content/uploads/2026/03/The-Banking-Credit-Reference-Bureau-Regulations.pdf","role":"legal text","file_type":"pdf","downloadable":true,"size_bytes":509294,"sha256":"05dd7f2607985c7260863d35ab6361ac10239808a2207cb04c13238238733bfa","date":"2023-12-31","note":"Regulation 60 requires bureaus to furnish periodic reports of their business operations, in a form and period the Bank specifies but does not publish. Regulation 61 requires audited annual financial statements by 31 March."},{"id":"kenya-fx-code","title":"The Foreign Exchange Code","url":"https://www.centralbank.go.ke/wp-content/uploads/2023/03/The-Foreign-Exchange-Code.pdf","role":"guidance","file_type":"pdf","downloadable":true,"size_bytes":4108495,"sha256":"44f5f4fb7ba85b83f2d1003fdbefb9d05c3a0b1e4d147b3bff9f37f321a27b60","date":"2023-03-23","note":"Issued under section 33(4) of the Banking Act. Section 1.3 required a one-off self-assessment report by 30 April 2023; section 1.3 also requires an ongoing quarterly compliance report, within 14 days of each quarter end, whose format is not published separately from the self-assessment template."},{"id":"kenya-fx-code-self-assessment-template","title":"Kenya Foreign Exchange Code Self-Assessment Template","url":"https://www.centralbank.go.ke/wp-content/uploads/2023/04/Kenya-Foreign-Exchange-Code_SelfAssessment_Template.xlsm","role":"template","file_type":"xlsm","downloadable":true,"size_bytes":330964,"sha256":"8f00a7be6df71cbcdc151a8590e1feb050f3237abcdefdffd54b1525979702a1","date":"2023-04-13","note":"Sheets: Data, Acknowledgement, Guidance, Summary, and P1 to P52 (one sheet per FX Global Code principle)."},{"id":"circular-2008-bsm","title":"Banking Circular No. 2 of 22 April 2008: end of the test period for the new CBK BS(M) return","url":"https://www.centralbank.go.ke/uploads/banking_circulars/447010526_Banking%20Circular%20No%202%20of%202008-%20End%20of%20the%20test%20period%20for%20the%20new%20CBK%20BS%28M%29%20return.pdf","role":"release note","file_type":"pdf","downloadable":true,"size_bytes":242347,"sha256":"ec89c530390a7a60f5c83f2668d0b501a95eff9f6ca5c03ba296eb69fde0cf1e","date":"2008-04-22","note":"Confirms the monthly balance sheet return CBK BS(M) and says returns in the new format were, from May 2008, to be submitted through the Electronic Return Transmission Software (ERTS). No current page names the system banks use to file CBK BS(M) today; banks' own pages link only the Bankreturns Portal login page."},{"id":"bank-supervision-annual-report-2025","title":"Bank Supervision Annual Report 2025","url":"https://www.centralbank.go.ke/uploads/banking_sector_annual_reports/1241268828_ANNUAL%20REPORT%202025.pdf","role":"other","file_type":"pdf","downloadable":true,"size_bytes":2142654,"sha256":"65e4b9c2fcd5a62679b91ba85d2f76e37508de598c7f4acb509b0215d70b6b88","date":"2025","note":"Chapter 1 gives the structure of the banking sector (commercial banks, microfinance banks, forex bureaus, money remittance providers); later chapters give sector-aggregate capital, asset quality, liquidity and profitability figures compiled from institutions' returns. The report does not name which return feeds each table."},{"id":"kenya-deposit-insurance-act-2012","title":"Kenya Deposit Insurance Act, 2012","url":"https://www.centralbank.go.ke/wp-content/uploads/2016/08/Kenya-Deposit-Insurance-Act-2012.pdf","role":"legal text","file_type":"pdf","downloadable":true,"size_bytes":412529,"sha256":"c7f980b8540e730b3e10ba4ee01c4c052d255c74be969289e3973a58c2037db9","date":"2016-09-01"}]}]}