Скачать или смотреть CBK's New Loan Pricing Formula for All Kenyan Banks

The Central Bank of Kenya (CBK) has introduced a new loan pricing model that changes how banks calculate interest rates.
At the heart of the framework is KESONIA, the overnight interbank average rate, which will now be used as the base rate for all variable-interest loans.

The cost of credit website has been developed to ensure transparency of how different banks price their loans

Banks will then add a premium that reflects costs, risks, and shareholder returns, plus fees, making loan pricing more transparent.
Borrowers with strong credit histories will enjoy lower rates, while high-risk borrowers may pay more.

This major shift aims to expand access to credit, promote fairness, and align Kenya’s banking sector with global best practices.

Timestamps
00:00 KESONIA
05:00 Cost of Credit Website
11:31 CBR vs KESONIA