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KCB Group (KCB) investor relations material
KCB Group Q1 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Executive summary
Achieved 11% year-over-year growth in total assets to Ksh 2.3 trillion, driven by new customer segments and innovative value propositions.
Total assets reached Kshs 2,254.5 billion as of March 31, 2026, up from Kshs 2,147.2 billion year-over-year.
Profit before tax rose 15% to Ksh 24.4 billion, supported by strong revenue growth and prudent cost management.
Customer deposits increased to Kshs 1,652.1 billion from Kshs 1,592.6 billion year-over-year.
Group ranked among Africa's fastest growing companies in 2026 and received multiple industry awards.
Financial highlights
Net loans and advances increased 19% year-over-year to Ksh 1.2 trillion.
Net interest income for the period was Kshs 26.6 billion.
Profit after tax increased 10% to Ksh 18.2 billion.
Profit after tax and exceptional items stood at Kshs 12.9 billion.
Operating expenses rose 7% due to technology investments and business expansion.
Outlook and guidance
FY 2026 guidance: deposit growth 9–11%, net loans growth 10–11%, ROE 20–22%.
Cost-to-income ratio targeted at 42–44%, NPL ratio expected at 14–16%.
Net interest margin projected at 7.2–7.8%.
The Board approved the financial statements on May 20, 2026, indicating confidence in ongoing performance.
- Record Ksh 68.4B profit, 9% asset growth, and Ksh 22B dividend proposed for FY 2025.KCB
Q4 202523 Mar 2026 - Q1 profit after tax reached KShs.16.53B, with robust capital and digital growth initiatives.KCB
Q1 202517 Mar 2026 - Net profit rose 3% to Ksh 47.3B, NPL ratio fell, and digital channels drove 99% of transactions.KCB
Q3 20259 Dec 2025 - Net profit up 8% to KShs.32.3B, with record dividends and strong digital performance.KCB
Q2 202523 Nov 2025 - Profit after tax rose 49% to Ksh 45.8B, with strong revenue and international growth.KCB
Q3 202413 Jun 2025 - H1 profit after tax jumped 86% to KShs. 29.9B, with a record interim dividend proposed.KCB
Q2 202413 Jun 2025 - Net profit surged 65% to Ksh 61.8B, with strong growth and digital transformation.KCB
Q4 20246 Jun 2025
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