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KCB Group Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary19 Nov, 2025
Executive summary
Balance sheet expanded by 3% to Ksh 2.0 trillion, with net loans up 8% and customer deposits down 1% due to strategic rebalancing and NBK divestiture.
Total assets reached Kshs 1.40 trillion as of 30 September 2025, up from Kshs 1.33 trillion a year earlier, reflecting strong balance sheet growth.
Group net profit rose 3% year-over-year to Ksh 47.3 billion, supported by 12% growth in net interest income and prudent cost management.
Profit after tax for the nine months ended 30 September 2025 was Kshs 33.8 billion, compared to Kshs 22.9 billion for the same period last year, indicating robust earnings growth.
Digital channels accounted for 99% of transactions, with significant growth in mobile and agency banking.
Financial highlights
Net interest income increased by 12% year-over-year, while non-funded income declined 10% due to lower FX income.
Net interest income for the nine months was Kshs 72.1 billion, up from Kshs 46.7 billion year-over-year.
Cost to income ratio improved to 46.2% from 47.4% in Q3 2024, reflecting positive jaws and cost discipline.
Group NPL ratio decreased by 150bps to 17.8% between Q1 and Q3 2025, with NPL stock down by Ksh 11.2 billion.
Profit before tax stood at Kshs 43.9 billion, up from Kshs 28.4 billion for the same period last year.
Outlook and guidance
FY 2025 guidance targets NPL ratio of 14–16%, cost/income ratio of 43–45%, and ROE of 22–24%.
Focus areas for Q4 include NPL resolution and deposit mobilization.
The Board approved the financial statements on 19 November 2025, signaling confidence in ongoing performance.
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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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