KCB Group Records Ksh 68.4 Billion in Net Profit, Dividend Payout Up To Ksh 22 Billion
KCB Group PLC posted 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.
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 the 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, a 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.
Group CEO Commentary
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”.
The Group continued to benefit from its regional diversification strategy. Subsidiaries excluding KCB Bank Kenya contributed 30.7% in profit before tax (PBT) and 30.5% of the Group balance sheet. The performance reflects the success of the Group’s multi-market growth model and its ability to leverage opportunities across the East African region and beyond.
The three non-banking subsidiaries delivered strong PBT performance — 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).
The Group’s focus on cost management saw the cost-to-income ratio dropping to 42.5% from 45.4% the previous year. Overall, operating expenses declined by 2.5% YoY.
Balance Sheet Growth
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 a 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% again