KCB Group PLC reported an after-tax profit of KES 68.35 billion in FY2025, up 10.7% year-on-year, underpinned by growth in revenue and a marginal decline in operating expenses.
Total interest income declined by 1.7% to KES 209.7 billion, while total interest expenses dropped by 18.9% to KES 61.7 billion, reflecting the impact of the declining interest rate environment during the review period.
Net interest income edged higher 7.8% to KES 148.0 billion. Conversely, non-interest income slipped 2.6% to KES 65.8 billion, largely as a result of a 35.2% decline in foreign exchange trading income and a mild 5.8% drop in other fees and commissions. Overall, total operating income grew 4.3% to KES 213.78 billion from KES 204.87 billion in FY2024.
Pre-tax profit edged higherby 10.9% to KES 90.9 billion, while net profit climbed 10.6% to KES 68.35 billion from KES 61.77 billion in FY2024, marking the highest net profit in the bank’s history. Earnings Per Share improved to KES 20.8 from KES 18.7 in the previous year.
Balance Sheet
KCB Group total assets expanded by 9.4% to KES 2.15 trillion, while shareholders’ funds surged 20.6% to KES 331.47 billion. Customer deposits nudged upwards 15.2% to KES 1.59 trillion. The Group’s loan book grew by 16.3% to KES 1.15 trillion, highlighting increased credit uptake amid declining interest rates.
Asset Quality
Gross non-performing loans declined by 6.1% to KES 211.84 billion, from KES 22.69 billion in a similar period the previous year, highlighting improved asset quality.
KCB Group Declares Record Dividend
The Group’s Board of Directors declared a final dividend of KES 3.00 per ordinary share which included a special dividend of KES 2.00 per ordinary share. Combined with an interim payout of KES 4.00 (including a special dividend of KES 2.00 per ordinary share), this brings the total dividend to KES 7.00, up 133.3% from KES 3.00 in FY2024. The total dividend payout amounts to KES 22.47 billion, equivalent to 32.9% of its net earnings. The strong payout continues to position KCB Group as a reliable dividend-paying stock on the Nairobi Securities Exchange (NSE).
The final dividend will be payable to the members of the company on the share register at the close of business on Thursday 2 April, 2026.
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