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Equity Group Holdings (EQTY) investor relations material
Equity Group Holdings Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary11 Nov, 2025
Executive summary
Strategic transformation over five years has positioned the group for growth, focusing on technology, governance, and regional expansion across East and Central Africa.
Profit after tax surged 32% year-over-year to Kshs 54.1 billion, driven by diversified revenue, efficiency gains, and strong regional performance.
The group is shifting from a traditional bank to a diversified financial services platform, including insurance and technology, aiming for 100 million customers by 2030.
Technology investments enabled 98% of transactions outside branches, with 87.4% on digital channels.
Social impact initiatives remain central, with significant investments in education, health, and sustainability, including Kshs 98 billion in MSME, education, and climate initiatives.
Financial highlights
Group balance sheet grew 7% year-over-year to Kshs 1.82 trillion, with net loans up 7% to Kshs 859.8 billion and customer deposits at Kshs 1.35 trillion.
Profit after tax rose 32% to Kshs 54.1 billion, with earnings per share up 33% to Kshs 13.8.
Net interest income up 16% to Kshs 93.5 billion; non-funded income up 3% to Kshs 62.8 billion.
Cost-income ratio improved to 50.6%, with total revenue up 10% and total costs flat.
NPL ratio improved from 14% to 12.1%, with coverage rising to 71%.
Outlook and guidance
The group expects NPLs to fall below 10% by year-end, with continued focus on unlocking balance sheet potential by migrating cash to loans.
2025 guidance targets largely met or exceeded: loan growth at 7.5%, NIM at 8.6%, ROAE at 26.4%, and ROAA at 4.1%.
Focus remains on digital transformation, regional expansion, and MSME leadership.
Close loan book gaps and customer conversion
Leverage regional growth and subsidiary competition
Monetize tech and digital insurance investments
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Next Equity Group Holdings earnings date
Q4 202526 Mar, 2026
Next Equity Group Holdings earnings date
Q4 202526 Mar, 2026
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Frequently asked questions
Equity Group Holdings Plc is a Kenya-based financial services company offering banking, insurance, investment, and related financial solutions. The company provides retail and corporate banking services, including loans, deposits, payments, treasury services, and digital banking solutions. It operates through a network of branches, ATMs, mobile banking, and online platforms across several African countries. Equity Group also offers asset management and microfinance services through its subsidiaries. The company is headquartered in Nairobi, Kenya, and its shares are listed on the NSE.
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