Uganda
Tanzania
Rwanda
01
Capital adequacy & recapitalisation
Plan for rising minimum core capital requirements with scenario models, capital-raising options and board-ready timelines.
Banking & Lending
Prudential confidence for commercial banks, microfinance banks and digital lenders.
Sector overview
Banks across East Africa are working through the most demanding prudential cycle in a decade: higher minimum capital, stricter AML/CFT expectations, new credit-pricing frameworks and a fast-growing digital lending book that regulators are watching closely. TrippleShield gives boards, CROs and compliance heads a single view of what is changing, what it means for their balance sheet, and what to do next.
Key regulators
5 tracked
Central Bank of Kenya
Bank of Uganda
Bank of Tanzania
National Bank of Rwanda
National Bank of Ethiopia
What we cover
Focus areas for Banking & Lending.
02
AML/CFT & sanctions
Risk-based AML programmes, transaction-monitoring tuning and FATF action-plan readiness for examinations.
03
Credit risk & IFRS 9
Expected-credit-loss methodology, NPL workout strategy and early-warning indicators for stressed sectors.
04
Credit pricing & conduct
Transparent, benchmark-anchored loan pricing, customer disclosures and complaints-handling frameworks.
05
Cyber, outsourcing & cloud
Third-party risk, cloud-outsourcing notifications and cyber-resilience testing aligned to supervisory guidance.
06
Governance & fit-and-proper
Board effectiveness reviews, committee charters and fit-and-proper documentation for new appointments.
Regulatory radar
Recent developments across the region.
Oct 2025
Kenya · National Treasury / CMA / CBK
medium impact
enacted
Virtual Asset Service Providers Act, 2025
Introduces a licensing and supervisory regime for virtual asset service providers, including AML/CFT obligations such as the travel rule. Banks and payment providers dealing with VASPs need updated risk assessments.
Aug 2025
Kenya · Central Bank of Kenya
high impact
effective
Risk-based credit pricing anchored on the KESONIA benchmark
The revised risk-based credit pricing model requires variable-rate loans to be priced off the Kenya Shilling Overnight Interest Average (KESONIA) plus a disclosed premium, with transition timelines for existing facilities and new disclosure obligations.
Jan 2025
Ethiopia · Ethiopian Capital Market Authority
medium impact
effective
Ethiopian Securities Exchange begins trading
The launch of the Ethiopian Securities Exchange, under a new capital-markets regulator, opens listing, disclosure and market-conduct obligations for issuers and intermediaries.
Dec 2024
Kenya · Central Bank of Kenya
high impact
enacted
Minimum core capital for banks rising to KSh 10 billion by 2029
Amendments to the Banking Act raise the minimum core capital for commercial banks in phases from KSh 1 billion to KSh 10 billion by 2029. Smaller banks face capital raises, mergers or new strategic investors, and boards need a credible, phased capital plan.
Practices that support you
How we help banking & lending institutions.
Latest research
Insights from our research desk.
Other sectors