jane-nganga/kenya-mfb-dashboard

Credit risk and sector performance analysis of Kenya's 14 licensed Microfinance Banks using CBK 2024 data — MySQL · Power BI · Excel Kenya Microfinance Banks — Sector Performance Dashboard 2024 Tools: MySQL · Power BI · Microsoft Excel Data Sources: Central Bank of Kenya (CBK) Bank Supervision Annual Report 2024 Domain: Credit Risk · Portfolio Analytics · Microfinance · Financial Services Project Overview This project analyses the financial health, credit risk exposure, and depositor risk profile of Kenya's 14 licensed Microfinance Banks (MFBs) using official regulatory data from the Central Bank of Kenya. The analysis was built entirely from scratch — extracting structured data from PDF regulatory reports, modelling it in MySQL, and visualising findings in a three-page Power BI dashboard. The project replicates the kind of end-to-end analytical workflow used in credit risk and portfolio analytics roles in Kenya's financial services sector. Business Questions Answered How healthy is Kenya's MFB sector overall — and which institutions are driving sector-wide losses? Where is credit risk (NPL exposure) concentrated, and which MFBs are least prepared to absorb losses? Which institutions pose the highest risk to depositors — and what is driving that risk? Data Sources | Source | | Report | |Data Extracted | | Central Bank of Kenya (CBK) | Bank Supervision Annual Report 2024 | NPL data, deposit accounts, protected deposits, MFB performance | | Kenya Bankers Association (KBA) | State of Banking Industry Report 2025 | Sector context and market benchmarks | Note: The sources are publicly available PDF reports. Data was manually extracted from tables in the reports and structured into CSV files for database import. No proprietary or confidential data was used. Data Engineering Tables Built | Table Name | Rows | Description npl_by_mfb14 | 14 | Gross NPLs, interest in suspense, impairment allowances, and net NPLs per MFB. performance_by_mfb14 | 14 | Full income statement per …