KCB Group Reports KShs 68.4 Billion Profit
KCB Group PLC posted a profit after tax of KShs 68.4 billion for the year ending December 2025, up 11% compared to the previous year. Growth was driven by an expanded loan book, higher income across key business lines, and disciplined cost management.
The Board has proposed a final dividend of KShs 3 per share, subject to shareholder approval. Alongside the KShs 4 interim dividend paid in November 2025, the total payout for the year amounts to KShs 7 per share, totaling KShs 22 billion.
The Group’s total assets rose 9.3% to KShs 2.15 trillion, even after divesting from National Bank of Kenya, underscoring KCB’s financial resilience and successful diversification strategy. Customer loans grew 15% to KShs 1.59 trillion, funding interest-earning assets of KShs 1.84 trillion, up 13.8% year-on-year.
Revenue increased to KShs 214 billion, driven by higher net interest income and support for households, businesses, and the public sector. Non-funded income contributed 31% of revenue, reflecting growth in digital banking services.
CEO Statement
Paul Russo, KCB Group CEO, said:
“Our 2025 results demonstrate the strength of the KCB franchise and the trust customers place in us. Despite a challenging environment, disciplined execution, digital innovation, and sector-focused lending enabled us to deliver strong growth and support economic transformation across the region.”
Performance Highlights
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Non-banking subsidiaries contributed 30.7% of profit before tax and 30.5% of total assets
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KCB Bancassurance Intermediary – KShs 1.14B (+29%)
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KCB Investment Bank – KShs 348M (+31%)
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KCB Asset Management – KShs 160M (+54%)
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Cost-to-income ratio improved to 42.5% (from 45.4%), with operating expenses down 2.5% YoY
Balance Sheet & Asset Quality
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Gross loans: KShs 1.25 trillion (+16.2%)
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Deposits: KShs 1.59 trillion (+15%)
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Non-performing loans (NPLs): 16.9% (down from 19.2%)
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Core capital ratio: 18.4% | Total capital ratio: 22.1% | Liquidity ratio: 50.8%
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Return on Equity (ROE): 22.5% | Return on Assets (ROA): 3.3%
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Shareholder funds: KShs 331 billion
Key Initiatives & ESG Commitments
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Sponsored the 2026 Safari Rally Kenya (KShs 227M), marking six consecutive years
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Partnered with AfDB for $150M in green financing, supporting climate-smart investments
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Invested in Pesapal Limited, boosting digital commerce and financial inclusion
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Launched a unified mobile app for payments, savings, and investments
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Continued to uphold Environmental, Social, and Governance (ESG) commitments while delivering profits
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Recognized as Top Bank in Africa (The Banker) for inclusive banking and cross-border innovation
Outlook
Dr. Joseph Kinyua, KCB Group Chairman, said:
“We are optimistic about sustained business activity and economic growth across our markets. Despite global uncertainties, KCB remains committed to strong governance, strategic oversight, and long-term value creation while driving economic transformation in East Africa.”