NCBA 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	39,693	46,498	77,926	64,112	57,303
Interest Income on Investments	28,437	29,190	-	-	-
Total Interest Income	68,130	75,688	77,926	64,112	57,303
Interest Paid on Deposits	23,147	40,082	30,638	21,726	19,477
Interest Paid on Borrowings	906.84	1,091	-	-	-
Total Interest Expense	24,053	41,173	30,638	21,726	19,477
Net Interest Income	44,077	34,515	47,288	42,387	37,825
Net Interest Income Growth (YoY)	27.71%	-27.01%	11.56%	12.06%	5.04%
Gain (Loss) on Sale of Assets	-	-	8.46	14.55	100.12
Gain (Loss) on Sale of Investments	-	-	-1,165	-512.59	-853.18
Other Non-Interest Income	29,253	28,183	15,446	17,986	10,165
Total Non-Interest Income	29,253	28,183	14,289	17,488	9,412
Non-Interest Income Growth (YoY)	3.79%	97.24%	-18.29%	85.80%	-3.53%
Revenues Before Loan Losses	73,330	62,698	61,577	59,874	47,237
Provision for Loan Losses	8,016	5,480	7,441	12,466	11,211
Revenue	65,313	57,217	54,136	47,408	36,027
Revenue Growth (YoY)	14.15%	5.69%	14.19%	31.59%	40.34%
Salaries and Employee Benefits	16,347	13,406	12,536	10,184	8,019
Occupancy Expenses	1,158	936.8	3,057	2,743	3,711
Amortization of Goodwill & Intangibles	1,189	1,193	1,174	1,684	795.75
Selling, General & Administrative	1,450	1,313	8,682	6,913	5,352
Other Non-Interest Expense	17,371	15,314	3,247	3,402	3,244
Total Non-Interest Expense	37,423	32,076	28,654	24,723	21,031
EBT Excluding Unusual Items	27,890	25,141	25,482	22,685	14,995
Pretax Income	27,890	25,141	25,482	22,492	15,035
Income Tax Expense	4,497	3,275	4,025	8,714	4,811
Earnings From Continuing Operations	23,394	21,866	21,457	13,778	10,224
Minority Interest in Earnings	-	-	-	86.76	75.85
Net Income	23,394	21,866	21,457	13,865	10,299
Net Income to Common	23,394	21,866	21,457	13,865	10,299
Net Income Growth	6.99%	1.91%	54.76%	34.62%	122.05%
Basic Shares Outstanding	1,647	1,648	1,648	1,648	1,648
Diluted Shares Outstanding	1,647	1,648	1,648	1,648	1,648
Shares Change (YoY)	-0.02%	0.01%	-	-	-
EPS (Basic)	14.20	13.27	13.02	8.42	6.25
EPS (Diluted)	14.20	13.27	13.02	8.42	6.25
EPS Growth	7.01%	1.89%	54.76%	34.62%	122.05%
Dividend Per Share	7.100	5.500	4.750	4.250	3.000
Dividend Growth	29.09%	15.79%	11.77%	41.67%	100.00%
Effective Tax Rate	16.12%	13.03%	15.80%	38.74%	32.00%

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