KCB Group has reported a net profit of Ksh 68.4 billion for the year ended December 31, 2025, marking an 11 per cent increase from the Ksh 61.8 billion recorded in 2024.
The growth was supported by higher lending, increased revenues and strong contributions from regional operations.
The lender said customer loans grew by 15 per cent to Ksh 1.59 trillion during the period. The growth in lending helped push total revenues to Sh214 billion, up from Ksh 204 billion recorded the previous year. The increase in revenues was largely driven by higher net interest income from loans and advances to businesses and households.
KCB’s balance sheet also expanded during the year, with total assets rising to about Ksh 2.15 trillion. Customer deposits also grew strongly, reflecting continued confidence from customers across the markets where the bank operates.
Following the performance, the board has proposed a final dividend of Sh3 per share, subject to shareholder approval. This will be added to the interim dividend of Ksh 4 per share that was paid in November 2025, bringing the total dividend for the year to Sh7 per share. The total payout to shareholders will amount to about Ksh 22 billion.
Group Chief Executive Officer Paul Russo said the results were achieved despite a difficult operating environment across the region.
“Despite a challenging operating environment in all our markets, we have delivered a strong performance that shows the resilience of the Group,” Russo said.
He added that the bank will continue strengthening its core businesses while expanding services across the markets where it operates.
KCB regional subsidiaries
Regional subsidiaries remained an important contributor to the group’s earnings. Operations outside Kenya accounted for about 30.7 per cent of profit before tax and roughly 30.5 per cent of the group’s balance sheet, highlighting the growing importance of KCB’s presence across East and Central Africa.
Non-banking businesses within the group also recorded improved performance during the year. KCB Bancassurance Intermediary posted Ksh 1.14 billion in profit before tax, while KCB Investment Bank reported Ksh 348 million, and KCB Asset Management earned Ksh 160 million.
Digital banking continues to play a major role in the group’s operations. The bank says about 99 per cent of its transactions are now carried out through non-branch channels such as mobile banking, agency banking and other digital platforms. KCB currently serves more than 34 million customers across the region.
The results continue a strong growth trend for the lender. In 2024, KCB posted a profit after tax of Ksh 61.8 billion, a significant jump from Ksh 37.5 billion recorded in 2023 as higher interest income and strong revenues boosted performance.
KCB has also been restructuring parts of its business to improve efficiency. In 2025, the group completed the sale of National Bank of Kenya to Access Bank as part of efforts to streamline its operations and strengthen asset quality.
With growing lending, stronger digital banking services and expanding regional operations, the lender says it remains focused on sustaining growth while delivering value to its shareholders.
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