KCB Group PLC has posted KShs. 68.4 Billion in profit after tax for the full year ending December 2025, up 11% on an expanded loan book that delivered higher income across key business lines coupled with sustained cost management across the Group. On the back of the strong performance, the Board has proposed a final dividend payout of KShs. 3 per share, subject to shareholder approval. This is in addition to an interim payout of KShs. 4 per share which was paid out in November 2025, bringing the total dividend payout for the year to KShs. 7.0 per share, amounting to a total of KShs. 22 billion for
the year 2025.
Speaking during the announcement of the financial results on Wednesday, KCB Group CEO, Paul Russo, said: “Our 2025 performance reflects the strength of the KCB franchise, the resilience of our regional footprint, and the continued trust that customers place in us. Despite a challenging operating environment, we delivered solid growth driven by disciplined execution, continued investment in digital innovation, and our unwavering commitment to supporting sector-focused lending that catalyzes economic transformation across the region. We remained focused on sustainable growth, supporting customers and delivering long-term value for shareholders”
During the period under review, the Group maintained a strong balance sheet with Total Assets growing by 9.3% to KShs. 2.15 trillion despite divesting in National Bank of Kenya, demonstrating the Group’s resilience and the success of its diversification strategy and innovative financial solutions. Customer loans grew by 15% to close at KShs. 1.59 trillion, this growth was utilized to fund interest earning assets which closed at 1.84 trillion an year-on-year increase of 13.8%. Total revenues grew steadily to KShs. 214 billion from KShs.204 billion a similar period last year. This was driven by higher net interest income as the Group continued to deepen its support for households, businesses and the public sector. Non-Funded Income delivered 31% of the total revenues, on the back of investments in digital banking.
On the balance sheet side, the stock of gross loans and advances rose 16.2% to KShs. 1.25 trillion, driven by new to bank growth across key sectors of the economy. The Group also maintained a stable deposit franchise across all markets— with the deposit book closing at KShs. 1.59 trillion, up 15%. Looking at asset quality and coverage, the Non-Performing Loans (NPL) ratio improved to close at 16.9% down from 19.2% driven by a proactive rehabilitation strategy, aggressive recovery and the hive out of National Bank of Kenya. The stock of gross NPL stood at KShs. 211.8 billion down from Kshs.225.7 billion the previous year.
The Group maintained a strong capital and liquidity position, with the Group’s core capital as proportion of total risk-weighted assets closing at 18.4% against the statutory minimum of 10.5%. Total capital to total risk-weighted assets ratio was at 22.1% against a regulatory minimum of 14.5%. The Group’s liquidity ratio was 50.8% against a regulatory minimum of 20%.
“Looking ahead, we are optimistic about sustained business activity and economic growth prospects this year across the markets we operate in. We are closely watching the increased global uncertainties attributed to heightened geopolitical tensions and higher tariffs. The Board remains committed to providing strong governance and strategic oversight to ensure that KCB continues to deliver long-term value while supporting economic transformation across East Africa,” said KCB Group Chairman Dr. Joseph Kinyua
Ends/