The Co-operative Bank of Kenya has announced its financial results for the Full Year 2025, posting impressive growth across its key performance indicators. The figures posted by the bank reflect a period of strong operational performance and financial resilience, underscoring the bank’s solid footing in a dynamic economic environment.
Co-operative bank’s balance sheet expanded considerably in the period under review, growing by a robust 11.3% to close at KES 827.4 billion, up from KES 743.2 billion in the previous year. This growth was partly driven by a 12.6% growth in government securities, which rose to KES 246.4 billion.
On the liabilities side, customer deposits, a core measure of customer trust and market reach, saw a healthy increase of 13.5% to reach KES 574.2 billion. Complementing this, co-operative bank’s core lending activity also strengthened, with Loans and Advances to customers growing by 12.7% to KES 421 billion.
Additionally, Co-operative bank’s profitability metrics tell a compelling story of improved efficiency and earnings power. The bank’s net interest income, which is a key driver of profitability for commercial banks, surged by 21.9% to KES 62.9 billion, significantly outpacing the 7.2% growth in total interest income.
While total non-interest Income experienced a slight contraction of 0.3% to KES 29 billion, overall Total Operating Income climbed by 13.9% to KES 91.9 billion. This top-line growth flowed through to the bottom line, with Profit Before Tax increasing by 15.8% to KES 40.3 billion and Profit After Tax following suit with a 16.9% rise to KES 29.8 billion.
Co-operative Bank Rewards Shareholders with Increased Payouts
In a clear signal of confidence and a commitment to delivering shareholder value, co-operative bank has declared a substantial increase in its dividend. The bank’s Earnings Per Share (EPS) jumped by 25.5% to KES 4.51, while the Dividend Per Share was raised by an impressive 66.7% to KES 2.50.
Furthermore, shareholders’ funds, a measure of the bank’s net worth, strengthened by 11.7% to KES 150.7 billion, reinforcing the institution’s capital position and its ability to withstand economic shocks while pursuing future growth opportunities.
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