KCB Group PLC reported a profit after tax of KShs 68.4 billion for the year ending December 2025, up 11% from 2024, driven by an expanded loan book, higher income across key business lines, and disciplined cost management.
The board proposed a final dividend of KShs 3 per share, adding to an interim payout of KShs 4 per share, bringing the total dividend for the year to KShs 7 per share, equivalent to KShs 22 billion.
The bank’s customer loans grew 15% to KShs 1.59 trillion, funding interest-earning assets that rose 13.8% to KShs 1.84 trillion. Asset quality improved, with the Non-Performing Loan (NPL) ratio dropping to 16.9% from 19.2%, supported by proactive recovery and divestment in National Bank of Kenya.
Total assets rose 9.3% to KShs 2.15 trillion, while total revenues increased to KShs 214 billion, with non-funded income contributing 31% of revenues through digital banking investments.
CEO Paul Russo noted, “Our 2025 performance reflects the strength of the KCB franchise and the trust our customers place in us. We remain focused on sustainable growth and sector-driven lending to support economic transformation.”
The bank’s regional diversification strategy continues to deliver results, with subsidiaries outside Kenya contributing 30.7% of profit before tax and 30.5% of the Group balance sheet. Non-banking subsidiaries posted strong growth: KCB Asset Management (+54%), KCB Investment Bank (+31%), and KCB Bancassurance Intermediary (+29%).
KCB maintained a strong capital and liquidity position, with a core capital ratio of 18.4%, total capital ratio of 22.1%, and liquidity ratio of 50.8%, all above regulatory minimums. Shareholder returns remained robust with ROAE at 22.5% and ROA at 3.3%, while shareholder funds stood at KShs 331 billion.
Chairman Dr. Joseph Kinyua said, “We are optimistic about business and economic growth across our markets, and remain committed to delivering long-term value while supporting communities and the wider economy.”
During the year, KCB supported community initiatives and sponsorships, including KShs 227 million for the 2026 Safari Rally, a $150 million green finance package with AfDB, and a strategic investment in Pesapal Limited. The Group also enhanced its digital offerings with a new unified mobile app.
The bank’s strong performance has cemented its reputation as a trailblazer in Africa’s financial sector, earning accolades including Top Bank in Africa by The Banker, reflecting its focus on inclusive banking, digital innovation, and purpose-led growth.
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