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CBK’s revised Risk-Based Credit Pricing Model replaces CBR with KESONIA for loan pricing, promoting transparency and global alignment. Banks must disclose all costs and adopt borrower-specific risk premiums. Implementation begins Sept 2025 for new loans and Feb 2026 for existing ones, requiring major system upgrades and improved credit scoring.
Kenya launched the FY 2026/27 and Medium-Term Budget process on Aug 25, 2025, at KICC. It aligns fiscal planning with the Bottom-Up Economic Transformation Agenda and MTP IV, ensuring transparency, public participation and efficient resource allocation for growth, jobs and inclusive development amid global uncertainties.
Read MoreKenya’s dollar millionaires fell from 7,200 in 2024 to 6,800 in 2025 due to economic uncertainty, currency depreciation, political unrest, high taxes and capital flight. Wealthy individuals diversified assets abroad, while protests and governance issues worsened investor confidence. Reforms and incentives are needed to stabilize and grow wealth.
Read MoreKenya’s 2024 CBK Bank Supervision Report shows a resilient, profitable sector with strong capital (15.5%) and liquidity (49.2%). Assets grew 10.1% to KSh 7.7T, while NPLs eased to 13.4%. Digital finance and regulation advanced, though risks remain from global shocks, high NPLs, and cyber threats. Outlook for 2025 is positive but cautious.
Read MoreThe 2025 Devolution Conference in Homa Bay, held from August 12-15, gathers 10,000+ delegates to discuss Kenya's devolved governance, focusing on equity, inclusion, and social justice. It promotes economic growth, tourism, healthcare outreach, and community empowerment, showcasing county innovations and cultural heritage.
Read MoreGPT-5 is set to transform finance and economics with real-time analysis, fraud detection, personalized advice, autonomous financial agents and multimodal reporting. It enhances speed, reasoning, and automation, but human oversight is key for ethical and accurate implementation.
Read MoreThe Finance Act 2025 extends mortgage interest tax relief to loans for constructing homes, allowing annual deductions up to KES 360,000. While aimed at boosting homeownership and housing demand, its low cap and rising construction costs limit impact. Recommendations include raising the cap, expanding eligibility and promoting affordable financing.
Read MoreNairobi’s real estate is shifting toward high-rise luxury in central areas and affordable housing in satellite towns. Tech, sustainability, and mixed-use developments are rising. Dollar pricing and Airbnb boost rents. Satellite towns lead growth amid economic, regulatory, and oversupply concerns.
Read MoreThe CBK cut rates six times to 9.75% by June 2025, aiming to boost credit, growth and exports. Lending rates fell but banks remain cautious due to high NPLs. Key sectors like SMEs, real estate, and manufacturing benefit. Inflation stays low (3.8%), but structural risks could limit impact.
Read MoreFrom Jan–June 2025, top stocks were Trans-Century, Liberty Kenya, and Home Afrika. Investment, Telecom, and Insurance led in performance. REITs, Agriculture, and Automobiles lagged. Volatile sectors offer high risk/reward; stable ones suit cautious investors.
Read MoreDigital assets will be regulated across industries by the Virtual Assets Providers Bill 2025. It affects gaming, insurance, finance, and betting by requiring license for sites that use virtual currency. There will be oversight of betting coins and gaming tokens. Compliance is required of insurers who use tokenized assets. All are subject to AML/CFT regulations.
Read MoreKenyan youth face rising debt due to joblessness, costly living, and easy digital loans. Poor financial literacy worsens it. They cope by budgeting, side hustles, borrowing, and cutting expenses. Solutions include better education, loan regulation, and inclusive finance.
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