Family Bank Group has posted a 56% increase in Profit After Tax to Ksh 3.5 billion for the nine months ended 3oth September, 2025, up from Ksh 2.3 billion in the same period last year. Family Bank Q3 Profit performance was driven by sustained growth in interest income, a strong balance sheet and prudent cost management.
Total assets grew by 24.1% to Ksh 202.5 billion driven by increase in investments in Government securities to Ksh 39.0 billion. The loan book expanded by 10.1% to Ksh 103.7 billion, while total interest income grew by 21.2 % largely due to interest from loans and income from investments in government securities. Family Bank closed the 9 months with a remarkable Ksh 10.9 billion net interest income.
Total non-funded income grew by 14.4%, driven by increased customer transactions, sustained investment in digital solutions, and a focus on partnerships targeting SME lending.
Speaking during the investor briefing forum, CEO Nancy Njau attributed Family Bank Q3 profit growth to effective execution of its strategic priorities.
“This robust performance is in line with our strategic focus, prioritising innovation, digital transformation, customer-centricity, and strategic partnerships aimed at scaling our SME lending capabilities. This positions Family Bank as the preferred bank for biashara as we work towards our planned listing at the NSE in 2026. As we go to the final quarter of the year, we continue to place our customers at the fore and drive sustainable shareholder value,”she said.
Customer deposits grew by 15.3% to KES 146.8 billion, underlining customers’ continued trust and confidence in the Bank’s financial stability and service delivery.
Operating expenses increased by 33%, primarily driven by a moderate growth in staff costs and a prudent provisioning for loan losses, which rose to Ksh 1.3 billion in line with the Bank’s risk management approach.
Core capital stood at Ksh 19.6 billion, up from Ksh 14.7 billion, signalling strong capital adequacy in light of the progressive core capital requirements. The liquidity ratio also remained well above the statutory requirement of 20% at 54.4% underscoring the Bank’s strong balance sheet and capital adequacy.
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