As at the end of May 2012, the 6 licensed DTMs had 63 branches and 1.56 million deposit accounts with deposits worth over Ksh.11.6 billion. They also had 495,840 loan accounts with an outstanding loan portfolio of over Ksh.17.7 billion. This is significant progress given that banks in total only have 2.1 million loan accounts.
The DTMs provide an avenue of reaching out to the lower levels of the population given that our markets are segmented, requiring different and more specialized actors in some segments. DTMs can be community based or nationwide with different core capital requirements of Ksh.30 million and Ksh.60 million, respectively. II.