Strategic Focus Areas for BAT Sacco’s Growth

BAT Sacco continues to build momentum in 2025 by aligning all operations to five key strategic pillars. These pillars drive financial sustainability, member value, institutional strength, and long-term resilience. Below are the core pillars and their associated goals:  

Finance Pillar

• Grow the loan book by 10–15% annually
• Bridge prudential gaps and enhance Sacco liquidity
• Achieve double-digit annual income growth
• Maintain Portfolio at Risk (PAR) below 5%

 

Business Development Pillar

• Grow membership by 12% per annum
• Maintain a member retention rate above 90%
• Enhance member capacity building and communication

 

Governance Pillar

• Ensure 100% compliance with all relevant laws and regulations
• Sustain high standards of governance
• Improve leadership and governance competencies

 

Operations Pillar

• Ensure a stable and secure operating environment
• Enhance Sacco risk management
• Improve customer service and service delivery
• Innovate and integrate new products and services

 

Human Resource Pillar

• Define and maintain optimal staffing levels
• Build staff capacity
• Enhance staff productivity

  Through these strategic pillars, BAT Sacco reaffirms its commitment to long-term growth, operational excellence, and delivering value to all members and stakeholders.