NBK Profit Growth Highlights Successful Transformation and Efficiency Gains
National Bank of Kenya (NBK), a wholly owned subsidiary of Access Bank PLC, has posted a remarkable financial turnaround for the year ended 31st December 2025, with profit growth underscoring the success of its strategic transformation and operational efficiency initiatives.
Profit before tax soared 178 percent to KShs 2.91 billion, while profit after tax increased 125 percent to KShs 2.39 billion, signaling the bank’s improved ability to generate sustainable returns.
Net interest income reached KShs 10.3 billion, supported by a 33 percent reduction in interest expenses, while operating expenses declined to KShs 8.49 billion, reflecting disciplined cost management. Asset quality also strengthened, with provisions for expected credit losses down 37 percent to KShs 1.5 billion.
“This year’s results demonstrate the tangible outcomes of NBK’s transformation strategy,” said George Odhiambo, Managing Director. “Through improved risk management, operational efficiency, and strategic focus, we have strengthened the bank’s foundations while positioning it for sustained growth and long-term value creation.”
The bank’s balance sheet reflected these improvements, with customer deposits rising to KShs 106 billion and total equity increasing to KShs 17 billion.
Net loans and advances stood at KShs 51 billion, aligned with a more risk-conscious lending approach and acquisition-related asset adjustments, further enhancing capital adequacy.
Following its integration into Access Bank PLC in May 2025, NBK adopted leaner operational structures, upgraded credit frameworks, and implemented stronger governance practices.
Initiatives like the W Initiative, aimed at empowering women entrepreneurs, highlight the bank’s commitment to inclusive growth and sustainable economic impact.
Looking ahead, NBK plans to build on these gains by accelerating loan diversification, strengthening credit and recovery processes, expanding digital services, and leveraging synergies with Access Bank PLC. The 2025 results show that NBK’s transformation is not only complete but delivering measurable value, positioning the bank for a robust and sustainable future.