KCB Group Plc has announced improved financial results for the year ending December 2025 after recording growth in profits, lending, deposits, and digital banking services across East Africa.
The bank posted a net profit of KSh 68.4 billion during the year. This represents an increase of about 11 percent compared to the previous financial year. The results reflect stronger business activity across the group’s markets and continued expansion of banking services.
Total income also increased during the year. The group reported revenues of KSh 214 billion compared to KSh 204 billion recorded in the previous year.
The growth was supported by interest income from loans and increased customer transactions through digital channels.
The bank’s balance sheet expanded during the year as assets grew significantly. Total assets reached KSh 2.15 trillion, representing growth of more than 9 percent compared to the previous year. Lending growth and rising customer deposits contributed to the expansion.
Customer lending continued to support the bank’s growth across several sectors. Loans and advances increased by about 15 percent to reach KSh 1.59 trillion. Businesses and households across trade, agriculture, and manufacturing sectors contributed to the increase in borrowing.
Customer deposits also recorded strong growth during the year. Deposits increased by about 15 percent to reach KSh 1.59 trillion.
The growth indicates continued customer trust and increased use of the bank’s services across its markets.Regional subsidiaries continued to contribute significantly to the group’s earnings.
Operations outside Kenya generated about 30 percent of the group’s profit before tax and also accounted for roughly the same share of the group’s balance sheet.
KCB operates in several countries including Uganda, Tanzania, Rwanda, Burundi, South Sudan, and the Democratic Republic of Congo.Non banking subsidiaries also contributed to the group’s financial results.
The bancassurance business generated profits of about KSh 1.14 billion. The investment banking division recorded profits of KSh 348 million while the asset management business posted profits of about KSh 160 million.
Cost management also improved during the financial year. Operating expenses declined by about 2.5 percent compared to the previous year.
The cost to income ratio improved to about 42.5 percent from 45.4 percent recorded in the previous year.Loan quality also improved during the year as the bank reduced the level of non performing loans.
The ratio of non performing loans dropped to about 16.9 percent compared to 19.2 percent the previous year. The stock of bad loans declined to about KSh 211.8 billion from more than KSh 225 billion.
The bank maintained strong capital and liquidity positions during the year. Core capital stood at about 18.4 percent while the total capital ratio reached about 22.1 percent.
Liquidity remained strong at about 50.8 percent, remaining above regulatory requirements.Shareholders are set to benefit from the improved results. The board proposed a final dividend of KSh 3 per share after paying an interim dividend of KSh 4 per share earlier in the year.
The total dividend payout therefore stands at KSh 7 per share, translating to about KSh 22 billion in shareholder returns.
During the year the bank also expanded its strategic partnerships and digital banking services.
The group secured a financing facility of about 150 million dollars from the African Development Bank to support trade finance and green investment projects across the region.
KCB also entered into an agreement to invest in payments technology company Pesapal to strengthen digital payments and support businesses across Africa.
The bank also launched a unified mobile banking application designed to provide payments, savings, and investment services within a single platform as part of its strategy to expand digital financial services.
Beyond banking operations, the bank continued to support national events and community initiatives. KCB committed KSh 227 million to sponsor the Safari Rally in Nakuru, marking the sixth year of its sponsorship of the international motorsport event.
The bank expects economic activity across East Africa to remain steady and says it will continue expanding lending, strengthening digital banking services, and supporting businesses across the region.
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