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KCB Group PLC posted KShs.47.3 billion in profit after tax for the nine months ended September 2025 driven by higher income across business lines and well managed cost.
The balance sheet expanded by 2.6% to KShs. 2.04 trillion, despite the sale of National Bank of Kenya (NBK) in May 2025. On a like for like basis, the balance sheet grew by 10.9% demonstrating the Group’s strong bandwidth to support customers across the seven countries where KCB operates.
The stock of gross loans and advances during the period rose 7% to KShs.1.24 trillion, with deliberate focus on key economic drivers such as building and construction, agriculture, manufacturing, energy and water.
KCB Group subsidiaries excluding KCB Bank Kenya maintained strong performance, with their profit before tax making up 35.0% of the overall Group earnings and 31.3% of the Group balance sheet.
The three non-banking subsidiaries delivered strong PBT performance – KCB Bancassurance Intermediary (KShs.833 million – 16% growth), KCB Investment Bank (KShs.230 million – 90% growth) and KCB Asset Management (KShs.118 million – 71% growth).
“Despite a tough operating environment in all our markets, we have delivered a strong performance showing the resilience of the Group.
We continue to execute our business strategy that is anchored on ‘Transforming Today Together’ and build an agile business that is targeted at transforming the lives of our customers and delivering value for our shareholders and all other stakeholders,” said Group Chief Executive Officer, Paul Russo.
The Group maintained strong capital and liquidity buffers, with all banking subsidiaries compliant with regulatory expectations. The Group’s core capital as a proportion of total risk-weighted assets stood at 17.0% against the statutory minimum of 10.5% while the total capital to total risk-weighted assets ratio was at 19.6% against a regulatory minimum of 14.5%. The Group’s liquidity ratio was 46.7%.
“We are optimistic that we will close the year strong. The Group is well positioned to navigate the impacts in the operating environment to deliver the best outcome for all our stakeholders.
We have over the years built a resilient, dynamic and sustainable business for the future” said KCB Group Chairman Dr. Joseph Kinyua.
