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Investor Relations14 Oct 2025
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KCB Group (KCB) investor relations material
KCB Group Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary13 Aug, 2025
Executive summary
Net profit rose 8% year-over-year to KES 32.3B, driven by strong net interest income, cost discipline, and customer-focused initiatives.
Sale of NBK to Access Bank completed in May 2025, with a special dividend declared from proceeds.
Digital channels processed 99% of transactions, reflecting ongoing digital transformation and enhanced convenience.
Subsidiaries outside Kenya contributed over 30% of group profit and balance sheet, with robust growth in Rwanda, Uganda, and Burundi.
Strategic focus remains on customer-centricity, digital leadership, sustainability, and regional expansion.
Financial highlights
Total assets reached KES 1.97T, up 7% year-over-year, with stable asset base post-NBK sale.
Net loans increased 12% like-for-like (2.8% headline), with strong growth in energy, industrials, and infrastructure.
Customer deposits at KES 1.48T, with 75% of funding from customer deposits and stable mobilization.
Net earnings rose 8% to KES 32.3B; total income up 4% to KES 98.7B; net interest income up 13%.
Cost-to-income ratio improved to 46%, with costs up 2.5% year-over-year.
Outlook and guidance
FY 2025 guidance: ROE 22–24%, cost/income ratio 43–45%, NPL ratio 14–16%.
Second half targets are extremely stretched, requiring doubled efforts.
Focus remains on customer-centricity, digital banking, regional integration, and sustainable growth.
Strategies in place to improve deposit mobilization and maintain asset quality.
Projected business trajectory supports historic dividend proposals.
Post-NBK sale, what's the growth strategy?
Explain real estate NPL increase in KCB Kenya.
Impact of DRC conflict on KCB operations?
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Q3 202519 Nov, 2025
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Frequently asked questions
KCB Group PLC is a Kenya-based financial services company engaged in banking and related financial activities. The company provides retail and corporate banking, loans, deposits, treasury services, and digital banking solutions. It also offers insurance, investment banking, asset management, and microfinance services through its subsidiaries. KCB Group operates a network of branches, ATMs, and digital platforms across Kenya and several other African countries. The company is headquartered in Nairobi, Kenya, and its shares are listed on the NSE.
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