KCB Group Income Statement

Financials in millions KES. Fiscal year is January - December.

Millions KES. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Interest Income on Loans	209,700	225,807	181,653	132,003	114,826
Total Interest Income	209,700	225,807	181,653	132,003	114,826
Interest Paid on Deposits	61,700	76,056	60,841	31,098	24,463
Total Interest Expense	61,700	76,056	60,841	31,098	24,463
Net Interest Income	148,000	149,751	120,812	100,905	90,363
Net Interest Income Growth (YoY)	-1.17%	23.95%	19.73%	11.67%	20.40%
Gain (Loss) on Sale of Assets	-	79	35	-7	20
Gain (Loss) on Sale of Investments	-	1,456	-472	-1,531	1,058
Other Non-Interest Income	65,900	53,079	38,498	27,314	17,477
Total Non-Interest Income	65,900	54,614	38,061	25,776	18,555
Non-Interest Income Growth (YoY)	20.66%	43.49%	47.66%	38.92%	-9.07%
Revenues Before Loan Losses	213,900	204,365	158,873	126,681	108,918
Provision for Loan Losses	32,400	29,694	27,415	10,300	13,998
Revenue	181,500	174,671	131,458	116,381	94,920
Revenue Growth (YoY)	3.91%	32.87%	12.96%	22.61%	39.69%
Salaries and Employee Benefits	-	40,255	38,469	30,422	25,070
Occupancy Expenses	-	9,747	9,329	6,615	6,028
Selling, General & Administrative	-	3,403	2,876	2,594	1,957
Other Non-Interest Expense	90,500	37,206	32,475	19,735	14,995
Total Non-Interest Expense	90,500	92,698	83,005	59,321	48,010
EBT Excluding Unusual Items	91,000	81,973	48,453	57,060	46,910
Other Unusual Items	-	-	-	271	905
Pretax Income	91,000	81,973	48,453	57,331	47,815
Income Tax Expense	22,600	20,198	10,991	16,494	13,642
Earnings From Continuing Operations	68,400	61,775	37,462	40,837	34,173
Minority Interest in Earnings	-	-1,685	-1,286	-224	-81
Net Income	68,400	60,090	36,176	40,613	34,092
Net Income to Common	68,400	60,090	36,176	40,613	34,092
Net Income Growth	13.83%	66.11%	-10.93%	19.13%	73.90%
Basic Shares Outstanding	3,213	3,213	3,213	3,213	3,213
Diluted Shares Outstanding	3,213	3,213	3,213	3,213	3,213
Shares Change (YoY)	0.01%	-	-	-	-
EPS (Basic)	21.29	18.70	11.26	12.64	10.61
EPS (Diluted)	21.29	18.70	11.26	12.64	10.61
EPS Growth	13.83%	66.09%	-10.93%	19.13%	73.93%
Dividend Per Share	4.000	3.000	-	2.000	3.000
Dividend Growth	33.33%	-	-	-33.33%	200.00%
Effective Tax Rate	24.83%	24.64%	22.68%	28.77%	28.53%

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.