KCB Group PLC has recorded a profit after tax of KShs 68.4 billion for the full year ending December 2025, marking an 11% increase compared to the previous year.
The growth was driven by an expanded loan book, robust cost management, and investments in digital banking solutions across the Group’s operations.
The Board has proposed a final dividend of KShs 3 per share, in addition to an interim dividend of KShs 4 per share, bringing the total payout for 2025 to KShs 7 per share, amounting to KShs 22 billion, pending shareholder approval.
During the period, the Group’s total assets grew 9.3% to KShs 2.15 trillion, reflecting resilience even after divesting its stake in National Bank of Kenya. Customer loans rose 15% to KShs 1.59 trillion, fueling growth in interest-earning assets, which closed at KShs 1.84 trillion, a 13.8% year-on-year increase.
Total revenues also rose to KShs 214 billion, up from KShs 204 billion, boosted by higher net interest income and digital banking initiatives, which contributed 31% of the Group’s total revenue.
Speaking during the financial results announcement, KCB Group CEO Paul Russo said, “Our performance demonstrates the strength of the KCB franchise and the trust our customers place in us. We are driving growth through disciplined execution, digital innovation, and sector-focused lending that catalyzes economic transformation across East Africa.”
The Group’s regional diversification remains a key driver of growth, with subsidiaries outside Kenya contributing 30.7% of profit before tax and 30.5% of the Group’s balance sheet.
Non-banking subsidiaries—KCB Bancassurance Intermediary, KCB Investment Bank, and KCB Asset Management—also posted strong gains, with profit growth of 29%, 31%, and 54%, respectively.
On the balance sheet, gross loans and advances grew 16.2% to KShs 1.25 trillion, while deposits increased 15% to KShs 1.59 trillion, reflecting stable customer confidence.
Asset quality improved, with the Non-Performing Loan ratio dropping to 16.9%, down from 19.2%, aided by proactive recovery strategies.
KCB’s capital and liquidity position remains strong, with a core capital ratio of 18.4%, total capital ratio of 22.1%, and liquidity ratio of 50.8%, well above regulatory minimums. Return on Equity stood at 22.5%, and Return on Assets at 3.3%, signaling efficient equity deployment.
The Group also continued its corporate social investments, sponsoring the Safari Rally Kenya for the sixth consecutive year and partnering with the African Development Bank on a $150 million green finance package to support climate-smart investments and enhance trade finance for small businesses.
Additionally, KCB is deepening its digital footprint through a unified mobile app that integrates payments, savings, and investments, positioning the Group as a trailblazer in financial innovation across the continent.
The bank has received several local, regional, and global accolades, including recognition as Top Bank in Africa by The Banker, highlighting its commitment to inclusive banking and cross-border growth.
KCB Group Chairman Dr. Joseph Kinyua said, “Looking ahead, we remain optimistic about sustained business activity across our markets. We are committed to strong governance, supporting economic transformation, and delivering long-term value to shareholders.”
