Family Bank Group has reported a 55.4% surge in Profit After Tax to KES 5.4 billion for the full year ended 2025, up from KES 3.5 billion in 2024, reflecting robust operational performance and strategic growth.
Strong Earnings Growth
Profit Before Tax rose by 61.6% to KES 6.3 billion, driven by expansion in interest-earning assets and improved income streams. Net interest income grew significantly by 46% to KES 15.6 billion, while non-interest income increased modestly by 5% to KES 4.6 billion.
Balance Sheet Expansion
Total assets expanded by 23.8% to KES 208.7 billion, supported by a 20% rise in customer deposits and a 46% increase in shareholders’ funds. The bank also strengthened its capital base by raising KES 8 billion through an oversubscribed private placement, achieving a 131% subscription rate.
Loan Book and Investment Growth
Net loans and advances rose by 14% to KES 105.9 billion, largely driven by increased lending to Micro, Small and Medium Enterprises (MSMEs). Investment in government securities recorded a strong 45% growth to KES 74 billion, further boosting income generation.
Strategic Focus on Digital Transformation
Speaking during an investor briefing in Nairobi, Family Bank CEO Nancy Njau noted that 2025 marked the beginning of the bank’s five-year strategic plan focused on digital transformation and customer-centric solutions. The bank continued to invest in digital capabilities and optimize its distribution network to enhance customer experience and product delivery.
Partnerships and Workforce Investment
Family Bank attributed part of its growth to continued investment in staff capacity building and a supportive work environment. Strategic partnerships with Development Finance Institutions also enhanced its ability to lend to key sectors, including SMEs, agribusiness, and manufacturing.
Strong Liquidity and Capital Position
In addition, the bank maintained a solid financial footing, with a liquidity ratio of 60.9 per cent, well above statutory requirements. All capital adequacy ratios remained above regulatory thresholds, underscoring the bank’s resilience and readiness for sustained growth.