Kenya · Delayed Price · Currency is KES Equity Group Holdings Earnings Call Transcripts
Fiscal Year 2025
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Record profit after tax of KES 75.5B (+55% YoY) driven by efficiency, digital transformation, and regional growth. NPL ratio fell to 10%, cost-income ratio improved, and dividend payout rose 35%. Outlook targets aggressive loan and deposit growth, with continued expansion in non-banking segments.
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Profit after tax rose 32% to KES 54B, with strong growth in regional subsidiaries and insurance. NPLs improved to 12%, return on equity reached 26%, and the group is focused on digital transformation and expanding SME and women banking.
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Transformation has driven strong profit and efficiency gains, with regional and non-banking segments now major contributors. Focus shifts to optimizing the balance sheet, reducing NPLs, and scaling digital and insurance businesses for sustained growth.
Fiscal Year 2024
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Profit before tax rose 17% to KES 60.7B, with strong regional and insurance growth offsetting currency headwinds. NPLs declined to 12.2% with robust provisioning, and the group targets 10–15% loan and deposit growth in 2025, supported by digital and product innovation.