KCB Group Balance Sheet

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

Millions KES. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	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	39,402	374,274	299,284	458,357	213,288	58,029
Investment Securities	660,899	372,269	331,607	391,804	275,416	270,287
Trading Asset Securities	41,880	46,496	19,438	69	17,403	5,462
Total Investments	702,779	418,765	351,045	391,873	292,819	275,749
Gross Loans	1,208,207	1,251,768	1,081,550	1,205,826	934,753	745,227
Allowance for Loan Losses	-	-100,192	-91,137	-108,602	-71,485	-69,746
Net Loans	1,208,207	1,151,576	990,413	1,097,224	863,268	675,481
Property, Plant & Equipment	27,057	28,092	24,583	27,005	29,851	21,855
Goodwill	-	2,621	2,461	3,070	3,070	-
Other Intangible Assets	17,797	15,975	12,483	16,254	18,145	7,012
Investments in Real Estate	7,175	7,184	14,436	19,191	12,601	10,666
Other Receivables	955.81	40,339	30,369	48,354	34,404	16,499
Restricted Cash	146,366	48,505	42,175	53,783	45,156	41,171
Other Current Assets	117.13	12,949	160,313	10,941	11,623	9,935
Long-Term Deferred Tax Assets	34,220	36,467	33,729	38,464	25,758	22,382
Other Long-Term Assets	70,427	10,459	1,029	6,358	4,047	895
Total Assets	2,254,504	2,147,206	1,962,320	2,170,874	1,554,030	1,139,674
Accrued Expenses	-	17,963	13,528	10,956	9,679	-
Interest Bearing Deposits	1,733,134	1,655,775	1,424,992	1,778,718	1,228,204	884,958
Total Deposits	1,733,134	1,655,775	1,424,992	1,778,718	1,228,204	884,958
Current Portion of Long-Term Debt	-	2,107	8,413	10,449	204	683
Current Portion of Leases	-	178	557	998	1,353	505
Current Income Taxes Payable	3,360	1,774	6,455	3,668	-	5,644
Other Current Liabilities	-	3,186	140,719	8,577	8,221	30,210
Long-Term Debt	92,848	88,752	61,127	78,232	63,406	36,878
Long-Term Leases	-	4,114	3,339	4,799	4,520	6,176
Pension & Post-Retirement Benefits	701	701	664	601	585	458
Long-Term Deferred Tax Liabilities	1,800	2,187	1,997	3,459	4,492	655
Other Long-Term Liabilities	60,900	29,914	17,550	34,857	27,089	-
Total Liabilities	1,892,744	1,806,651	1,679,341	1,935,314	1,347,753	966,167
Common Stock	3,213	3,213	3,213	3,213	3,213	3,213
Additional Paid-In Capital	27,690	27,690	27,690	27,690	27,690	27,690
Retained Earnings	335,535	317,718	268,573	213,303	180,340	149,195
Comprehensive Income & Other	-14,203	-17,155	-24,588	-16,684	-11,042	-8,385
Total Common Equity	352,236	331,466	274,888	227,522	200,201	171,713
Minority Interest	9,524	9,089	8,091	8,038	6,076	1,794
Shareholders' Equity	361,760	340,555	282,979	235,560	206,277	173,507
Total Liabilities & Equity	2,254,504	2,147,206	1,962,320	2,170,874	1,554,030	1,139,674
Total Debt	92,848	95,151	73,436	94,478	69,483	44,242
Net Cash (Debt)	203,741	325,619	245,286	363,948	161,208	19,249
Net Cash Growth	0.39%	32.75%	-32.60%	125.76%	737.49%	-2.25%
Net Cash Per Share	63.40	101.34	76.34	113.27	50.17	5.99
Filing Date Shares Outstanding	3,213	3,213	3,213	3,213	3,213	3,213
Total Common Shares Outstanding	3,213	3,213	3,213	3,213	3,213	3,213
Book Value Per Share	109.61	103.15	85.54	70.80	62.30	53.44
Tangible Book Value	334,438	312,870	259,944	208,198	178,986	164,701
Tangible Book Value Per Share	104.07	97.36	80.89	64.79	55.70	51.25