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	217,140	206,857	181,653	132,003	114,826
Total Interest Income	217,140	206,857	181,653	132,003	114,826
Interest Paid on Deposits	59,497	69,622	60,841	31,098	24,463
Total Interest Expense	59,497	69,622	60,841	31,098	24,463
Net Interest Income	157,643	137,235	120,812	100,905	90,363
Net Interest Income Growth (YoY)	14.87%	13.59%	19.73%	11.67%	20.40%
Gain (Loss) on Sale of Assets	102	65	35	-7	20
Gain (Loss) on Sale of Investments	-139	643	-472	-1,531	1,058
Other Non-Interest Income	45,454	50,224	38,498	27,314	17,477
Total Non-Interest Income	45,417	50,932	38,061	25,776	18,555
Non-Interest Income Growth (YoY)	-10.83%	33.82%	47.66%	38.92%	-9.07%
Revenues Before Loan Losses	203,060	188,167	158,873	126,681	108,918
Provision for Loan Losses	29,665	24,019	27,415	10,300	13,998
Revenue	173,395	164,148	131,458	116,381	94,920
Revenue Growth (YoY)	5.63%	24.87%	12.96%	22.61%	39.69%
Salaries and Employee Benefits	37,241	35,490	38,469	30,422	25,070
Occupancy Expenses	8,371	9,030	9,329	6,615	6,028
Selling, General & Administrative	4,228	3,403	2,876	2,594	1,957
Other Non-Interest Expense	35,765	33,414	32,475	19,735	14,995
Total Non-Interest Expense	86,291	83,424	83,005	59,321	48,010
EBT Excluding Unusual Items	87,104	80,724	48,453	57,060	46,910
Other Unusual Items	-	-	-	271	905
Pretax Income	87,104	80,724	48,453	57,331	47,815
Income Tax Expense	22,004	20,176	10,991	16,494	13,642
Earnings From Continuing Operations	65,100	60,548	37,462	40,837	34,173
Earnings From Discontinued Operations	3,251	1,227	-	-	-
Minority Interest in Earnings	-1,532	-1,685	-1,286	-224	-81
Net Income	66,819	60,090	36,176	40,613	34,092
Net Income to Common	66,819	60,090	36,176	40,613	34,092
Net Income Growth	11.20%	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
EPS (Basic)	20.80	18.70	11.26	12.64	10.61
EPS (Diluted)	20.80	18.70	11.26	12.64	10.61
EPS Growth	11.20%	66.11%	-10.93%	19.13%	73.93%
Dividend Per Share	5.000	3.000	-	2.000	3.000
Dividend Growth	66.67%	-	-	-33.33%	200.00%
Effective Tax Rate	25.26%	24.99%	22.68%	28.77%	28.53%

Source: S&P Global Market Intelligence. Banks template. Financial Sources.