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BK GROUP (BKG) investor relations material
BK GROUP Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary29 Jul, 2025
Executive summary
Net income rose 8.6% year-over-year to RWF 51.9 billion (US$36.4 million), with ROAA at 4.0% and ROAE at 22.5% for H1 2025.
Total operating income increased 4.0% year-over-year to RWF 131.6 billion, driven by a 12.2% rise in net interest income.
Asset quality improved, with the non-performing loan ratio at 3.3% and NPL coverage at 53.9%.
The group maintained strong capital and liquidity positions, with core capital to risk-weighted assets at 20.4%.
Financial highlights
Total assets grew 4.9% year-to-date to RWF 2,644.1 billion; net loans to customers increased 15.7% to RWF 1,682.0 billion.
Customer deposits rose 5.9% to RWF 1,738.5 billion; shareholders' equity increased 10.1% to RWF 482.8 billion.
Net interest margin stood at 9.0% for H1 2025.
Cost-to-income ratio improved to 36.4% from 36.6% in H1 2024.
Earnings per share increased to RWF 111.6 from RWF 97.8 year-over-year.
Outlook and guidance
Favorable macroeconomic conditions in Rwanda, with 7.8% GDP growth in Q1 2025, are expected to support continued demand for credit and financial services.
The group aims to leverage digital innovation, asset quality, and efficiency to sustain growth and returns.
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Frequently asked questions
BK Group PLC is a Rwanda-based financial services company primarily engaged in banking, insurance, and investment services. Through its subsidiary, Bank of Kigali, the company offers retail and corporate banking solutions, including loans, deposits, digital banking, and treasury services. It also operates in asset management, capital markets, and insurance through its other subsidiaries. The company is headquartered in Kigali, Rwanda, and its shares are listed on the RSE and NSE.
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