Unlocking Entrepreneurial Success In Kenya With The Amazing Advantage Of Being With The NCBA Bank As Your Partner As You Go For It

In the dynamic world of entrepreneurship, aligning with a financial partner that offers comprehensive and innovative solutions is paramount. NCBA Group PLC emerges as a distinguished institution, providing a suite of services tailored to meet the diverse needs of modern businesses and individuals.

Innovative Financial Solutions

NCBA’s strategic partnerships with Safaricom have led to the creation of groundbreaking services such as Fuliza and M-Shwari. Fuliza offers an overdraft facility that ensures seamless transactions, preventing disruptions in business operations due to insufficient funds. M-Shwari, on the other hand, integrates savings and loan services into mobile banking, promoting a culture of saving while providing quick access to credit.

Diverse Investment Opportunities

For entrepreneurs seeking to grow their wealth, NCBA’s Money Market Fund presents a viable option. This fund offers competitive returns with the flexibility of easy access to your funds, making it an ideal choice for managing business liquidity. Additionally, NCBA’s listing on the Nairobi Securities Exchange (NSE) provides an avenue for long-term investment. Investors can purchase shares and potentially benefit from capital appreciation and dividends.

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Asset Financing Leadership

As the largest asset finance bank in Africa, NCBA facilitates the acquisition of essential business assets. Whether it’s purchasing new equipment or expanding your fleet, NCBA offers tailored financing solutions that enable businesses to grow without significant upfront capital expenditure.

Digital Banking Excellence

Embracing technology, NCBA has developed digital platforms like Loop and the Now App. Loop provides a comprehensive banking experience with features such as budgeting tools, expense tracking, and goal setting, empowering entrepreneurs to manage their finances effectively. The Now App serves as a convenience hub, offering services that cater to the daily needs of businesses, thereby streamlining operations.

Commitment to Sustainability

NCBA’s dedication to environmental sustainability is evident through its substantial investment of over KES 30 billion into green business practices. The bank’s initiative to plant over 10 million trees and its involvement in establishing electric vehicle charging infrastructure across Kenya demonstrate a forward-thinking approach that aligns with global environmental goals.

Efficient and Secure Banking Services

Time is a critical resource for entrepreneurs. NCBA understands this, offering swift loan approvals—within 24 hours for standard loans, provided all requirements are met, and as quick as five minutes for digital loans. The bank’s robust security measures ensure that clients’ funds are protected, providing peace of mind. Moreover, NCBA’s investment services offer opportunities for clients to earn passive income, enhancing financial stability.

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A Trusted Financial Partner

The confidence that clients have in NCBA is reflected in its substantial deposit base. The bank’s strong financial performance further underscores its reliability. For instance, in the first half of 2024, NCBA reported a profit after tax of KES 9.8 billion, a 5% increase from the same period in the previous year.

Investment Growth Potential

Investing in NCBA shares has proven to be a prudent decision. For example, if an individual had invested KES 100,000 in NCBA shares at KES 36.00 per share on May 6, 2024, the investment would have appreciated to approximately KES 134,722 by January 3, 2025, when the share price reached KES 48.50. This represents a significant return, excluding dividends.

FIGURE ONE; NCBA Share Price Performance Since Merger (2019-2025) – This graph shows the steady growth in share price from KES 34 in 2019 to KES 48.5 in 2025, despite fluctuations due to market conditions.

Since the merger of NIC Group PLC and Commercial Bank of Africa Limited in October 2019, NCBA Group PLC has demonstrated a consistent commitment to shareholder returns through regular dividend distributions. Here’s a detailed breakdown of the dividends paid per share each year: In 2019, following the merger, NCBA declared a dividend of KES 1.50 per share, totaling approximately KES 2.4 billion.  In 2020 in response to the economic uncertainties brought about by the COVID-19 pandemic, the bank initially proposed a dividend of KES 1.50 per share but later replaced it with a bonus share issuance of one share for every ten held, opting to conserve cash during this period. In 2021 as the economic environment began to stabilize, NCBA resumed cash dividends, declaring KES 3.00 per share. In 2022, building on its strong financial performance, the bank increased the dividend to KES 4.25 per share.

FIGURE TWO; NCBA Dividend Yield Trends (2019-2025) – This graph highlights the increasing dividend yield, reflecting NCBA’s strong shareholder returns, with a rise from 4.4% in 2019 to 13.0% in 2025.

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In 2023, continuing its upward trajectory, NCBA proposed a total dividend of KES 4.75 per share, comprising an interim dividend of KES 1.75 paid in September 2023 and a final dividend of KES 3.00 scheduled for payment on or after May 29, 2024.

In summary, from 2019 through 2023, NCBA has declared cumulative dividends totaling KES 13.50 per share. This consistent dividend policy underscores the bank’s robust financial health and its dedication to delivering value to its shareholders.

Strategic Expansion

Despite the strength of its digital platforms, NCBA continues to expand its physical presence across the country. This strategy ensures that clients who prefer in-person banking services have access to personalized assistance, thereby enhancing customer satisfaction.

Therefore, consolidating your financial needs with NCBA offers a holistic approach to managing and growing your personal and business finances. Their comprehensive services, commitment to innovation, and proven track record make them an ideal partner for entrepreneurs aiming to thrive in today’s competitive environment.

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