NCBA Group PLC has announced a profit after tax of KES 23.4 billion in its full year 2025 financial results which is a7.0 per cent increase compared to KES 21.9 billion reported during a similar period in 2024. The performance translates into an enhanced dividend payout of KES 11.7 billion up from KES 9.1 billion in 2024 underscoring the Group`s commitment to deliver attractive returns for its shareholders.
Key Group Financial Performance Highlights
- Profit before tax of KES 27.9 billion,10.9 per cent up year on year.
- Profit after tax of KES 23.4 billion, 7.0 per cent up year on year.
- Operating income of KES 73.3 billion,17.0 per cent up year on year.
- Operating expenses of KES 37.5 billion,17.0 per cent up year on year.
- Provision for credit losses was KES 8.0 billion, 46.3 per cent up year on year.
- Digital Loans disbursed were KES 1.4 trillion, 33 per cent up year on year.
- Customer deposits closed at KES 532 billion, 6.0 per cent up year on year.
- Total Assets closed at KES 716 billion, 8.0 per cent up year on year.
- Final dividend recommendation KES 7.10 per share (Total for 2025)
Commenting on the results, NCBA Group Managing Director, John Gachora said:
“The 2025 outcomes are a great milestone to close out our 2020 – 2025 strategy. Over the last 5 years a disciplined execution of strategy and enhanced diversification of our business model have delivered a more robust institution with momentum to carry us forward”
Successful execution of the 2020–2025 strategy
Over the 2020–2025 period, the Group executed a clear and focused strategy anchored on five strategic pillars:
- Become a Distinguished Brand Known for Customer Experience: NCBA is ranked as a Top 10 in Kenya and Top 100 in Africa’s Most Valuable Brands according to Brand Finance and achieved a customer experience Net Promoter Score of 72 per cent in 2025. The Group has also been recognized for excellence in Customer Service, Sustainability efforts, Business Solutions, People and Governance.
- Scale Retail Banking: Since 2020, NCBA has accelerated the growth of its physical and digital distribution network to reach 123 branches from 89 which complimented by innovative services, targeted campaigns and enhanced engagements have led to accelerated customer acquisition doubling the core bank customer base.
- Leadership in Corporate Banking and Asset Finance: The strong corporate banking deposit base of KES 215 billion is backed by a sector-focused model complimented by disciplined pricing. Transaction banking volumes grew during the year with +20,000 customers adopting our first in market regional cloud-based transactional solution,NCBA ConnectPlus. NCBA has maintained over 30 per cent Asset Finance market share leadership since 2020 driven by strategic dealer partnerships and disruptive innovations such as AI powered Carduka, whose revamped user experience has recruited 6 million new users.
- Digital Transformation: Investments in upgrading digital platforms, enhancing data capabilities and collaboration with telco partners have paid off leading to superior credit disbursement of KES 1.4 trillion in digital loans across Sub-Saharan Africa positioning NCBA as the undoubted regional leader in digital financial services. The Group Digital Business now contributes 32 per cent of Group profitability reaching Profit Before Tax of KES 9.0 billion.
Developing a High-Performance Culture: The Group has invested in leadership development, skills building, performance management and culture growing its employee regional footprint from 2,512 in 2020 to +4,000 in 2025. The focus to enable teams deliver consistently led NCBA to be certified as
