Stanbic Holdings Plc has announced a solid financial performance for the year ended 31 December 2025, posting a net profit of KES 13.7 billion. Despite a shifting macroeconomic landscape and significant Central Bank Rate (CBR) cuts throughout the year, the Group maintained its 2024 profitability level while aggressively expanding its balance sheet.
The Group’s total assets surged by 18.9% to KES 541.3 billion, reflecting a strategic re-positioning to capture emerging market opportunities. This growth was underpinned by an 18.5% rise in loans and advances to customers, totaling KES 272.9 billion. On the liability side, customer deposits grew by 17.5% to KES 373.7 billion, signaling strong market confidence in the lender’s three-year sustainable growth strategy.
While a 225 cumulative basis point decline in CBR rates led to a marginal 1.2% dip in net interest income, the Group’s strategic pivot toward non-funded income effectively cushioned the top line. Robust growth in fees and commission income largely offset the impact of softening rates and negative fair value adjustments.
Leadership Perspectives
Mr. Joseph Muganda, Chairman of Stanbic Holdings Plc, noted:
“2025 was a pivotal transition year. As the operating environment shifted from high interest rates toward greater currency and inflation stability, we saw a clear renewal in private sector credit demand. We proactively weathered this shift by providing a stronger foundation for disciplined growth and predictable earnings, positioning us well for sustained value creation.”
Dr. Joshua Oigara, Chief Executive of Stanbic Holdings Plc, added:
“We navigated a complex global environment marked by geopolitical tensions and shifting trade policies. Our performance, defined by strategic adaptation and deepened partnerships, underscores the strength of our ‘reset strategy.’ We are proud to have increased our share of diaspora remittance flows from 7% to 13%, becoming the preferred outlet for Kenyans abroad.”
Driving Strategic Growth
In 2025, the Group through its parent entity, Standard Bank, successfully arranged a US$1.5 billion Eurobond to support the Government of Kenya’s liquidity management. The Bank also invested US$450 million in the energy sector to facilitate fuel import financing.
The Group’s dominance in the diaspora market also strengthened, with its share of remittance flows increasing from 7% to 13%, cementing its position as the preferred financial outlet for Kenyans abroad. Furthermore, Assets Under Management (AUM) saw exponential growth, rising from KES 2.45 billion in 2024 to KES 5.3 billion in 2025, signaling heightened customer trust in the brand.
Stanbic continued to expand its “middle market” and its “affluent” segments through new scheme partnerships and differentiated product offering, while deepening its presence in the agricultural sector. By introducing tailored innovations within the tea and dairy ecosystems, the Bank has positioned itself as a primary driver of value within Kenya’s most vital agricultural chains.
Operational Excellence and Asset Quality
The Bank’s investment in digital transformation resulted in a 99.8% system uptime, ensuring seamless service delivery.
Mr. Dennis Musau, Chief Financial and Value Officer, highlighted the improvement in credit risk management:
“Our financial architecture is now more efficient. Simultaneously, our asset quality improved markedly; our Non-Performing Loan (NPL) ratio saw a significant decline compared to FY 2024, reflecting our prudent risk management and a healthier economic environment for our customers.”
Driving Sustainable Growth and Value
Through the Stanbic Foundation, the Group continue to scale initiatives through our four strategic pillars: (a) enterprise growth and job creation, (b) infrastructure development and just energy transition, (c) climate change mitigation and adaptation, and (d) financial inclusion, creating real economic opportunities for underserved communities.
Beyond the balance sheet, Stanbic continued to lead in sustainable finance and community empowerment:
- Green Financing: Disbursed over KES 4.5 billion in green building loans and KES 273 million in solar financing loans.
- Business growth and job creation: Channeled KES 133 billion into trade loans and directed 9.9% of its lending to the agricultural sector.
- Financial Inclusion: Through the DADA program, the Bank has disbursed over KES 49.5 billion to women-led enterprises since inception.
Stanbic Holdings Plc remains committed to its purpose: driving Kenya’s growth by weaving sustainability into the very fabric of its financial services.
The Board of Directors has recommended a dividend of KES 22.35 per share, up from 20.83 per share in 2024 representing a 7.3% increase, demonstrating the Group’s commitment to sustaining shareholder value.
