KCB Group PLC has reported a net profit of KShs. 68.4 billion for the full year ending December 2025, representing an 11% increase from the previous year.
The growth was driven by an expanded loan book that delivered higher income across key business lines, coupled with sustained cost management across the Group.
Dividend Payout Rises to KShs. 22 Billion
The Board has proposed a final dividend of KShs. 3 per share, subject to shareholder approval. This is in addition to the KShs. 4 per share interim dividend paid in November 2025, bringing the total payout for the year to KShs. 7 per share, amounting to KShs. 22 billion.
Strong Revenue and Asset Growth
Total assets grew by 9.3% to KShs. 2.15 trillion despite divesting from the National Bank of Kenya, demonstrating the Group’s resilience and successful diversification strategy. Customer loans increased by 15% to KShs. 1.59 trillion, supporting interest-earning assets that closed at KShs. 1.84 trillion, up 13.8% year-on-year.
Total revenues rose to KShs. 214 billion from KShs. 204 billion in 2024, driven by higher net interest income and digital banking innovations that contributed 31% of total revenues.
Digital Innovation and Regional Footprint
KCB Group CEO Paul Russo said the 2025 results reflect the strength of the KCB franchise, the resilience of its regional footprint, and customer trust. “Despite a challenging environment, we delivered solid growth through disciplined execution, digital innovation, and sector-focused lending that drives economic transformation across the region,” Russo noted.
Non-Banking Subsidiaries Drive Profitability
Subsidiaries outside KCB Bank Kenya contributed 30.7% of profit before tax and 30.5% of the Group’s balance sheet. Key performers included KCB Bancassurance Intermediary (KShs. 1.14 billion, 29% growth), KCB Investment Bank (KShs. 348 million, 31% growth), and KCB Asset Management (KShs. 160 million, 54% growth).
Improved Efficiency and Asset Quality
The Group’s cost-to-income ratio fell to 42.5% from 45.4%, while operating expenses declined 2.5% year-on-year. Gross loans and advances rose 16.2% to KShs. 1.25 trillion, and deposits increased 15% to KShs. 1.59 trillion.
Non-performing loans (NPLs) improved to 16.9% from 19.2%, with gross NPLs dropping to KShs. 211.8 billion. Core capital to risk-weighted assets stood at 18.4%, with a liquidity ratio of 50.8%.
Outlook and Corporate Initiatives
KCB Group remains optimistic about sustained growth, while monitoring global uncertainties. The Group continues to invest in digital solutions, green finance, and strategic acquisitions, including a stake in Pesapal Limited.
ESG initiatives and sponsorships, such as the Safari Rally Kenya, underscore KCB’s commitment to inclusive growth and community empowerment.