KCB Group Balance Sheet

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
Cash & Equivalents	386,600	301,515	494,675	213,288	58,029
Investment Securities	453,700	331,607	391,804	275,416	270,287
Trading Asset Securities	-	19,438	69	17,403	5,462
Total Investments	453,700	351,045	391,873	292,819	275,749
Gross Loans	1,253,800	1,081,550	1,205,826	934,753	745,227
Allowance for Loan Losses	-102,200	-91,137	-108,602	-71,485	-69,746
Net Loans	1,151,600	990,413	1,097,224	863,268	675,481
Property, Plant & Equipment	35,200	24,583	27,005	29,851	21,855
Goodwill	-	2,461	3,070	3,070	-
Other Intangible Assets	-	12,483	16,254	18,145	7,012
Investments in Real Estate	-	14,436	19,191	12,601	10,666
Other Receivables	-	30,369	48,354	34,404	16,499
Restricted Cash	-	39,944	17,465	45,156	41,171
Other Current Assets	-	160,313	10,941	11,623	9,935
Long-Term Deferred Tax Assets	-	33,729	38,464	25,758	22,382
Other Long-Term Assets	120,100	1,029	6,358	4,047	895
Total Assets	2,147,200	1,962,320	2,170,874	1,554,030	1,139,674
Accrued Expenses	-	13,528	10,956	9,679	-
Interest Bearing Deposits	1,655,800	1,424,992	1,778,718	1,228,204	884,958
Total Deposits	1,655,800	1,424,992	1,778,718	1,228,204	884,958
Current Portion of Long-Term Debt	-	8,413	10,449	204	683
Current Portion of Leases	-	557	998	1,353	505
Current Income Taxes Payable	-	6,455	3,668	-	5,644
Other Current Liabilities	-	140,719	8,577	8,221	30,210
Long-Term Debt	90,200	61,127	78,232	63,406	36,878
Long-Term Leases	-	3,339	4,799	4,520	6,176
Pension & Post-Retirement Benefits	-	664	601	585	458
Long-Term Deferred Tax Liabilities	-	1,997	3,459	4,492	655
Other Long-Term Liabilities	60,600	17,550	34,857	27,089	-
Total Liabilities	1,806,600	1,679,341	1,935,314	1,347,753	966,167
Common Stock	331,500	3,213	3,213	3,213	3,213
Additional Paid-In Capital	-	27,690	27,690	27,690	27,690
Retained Earnings	-	268,573	213,303	180,340	149,195
Comprehensive Income & Other	-	-24,588	-16,684	-11,042	-8,385
Total Common Equity	331,500	274,888	227,522	200,201	171,713
Minority Interest	9,100	8,091	8,038	6,076	1,794
Shareholders' Equity	340,600	282,979	235,560	206,277	173,507
Total Liabilities & Equity	2,147,200	1,962,320	2,170,874	1,554,030	1,139,674
Total Debt	90,200	73,436	94,478	69,483	44,242
Net Cash (Debt)	296,400	247,517	400,266	161,208	19,249
Net Cash Growth	19.75%	-38.16%	148.29%	737.49%	-2.25%
Net Cash Per Share	92.24	77.04	124.58	50.17	5.99
Filing Date Shares Outstanding	3,213	3,213	3,213	3,213	3,213
Total Common Shares Outstanding	3,213	3,213	3,213	3,213	3,213
Book Value Per Share	103.16	85.54	70.80	62.30	53.44
Tangible Book Value	331,500	259,944	208,198	178,986	164,701
Tangible Book Value Per Share	103.16	80.89	64.79	55.70	51.25

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