KCB Group PLC (UGSE:KCB)

KCB Group Income Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	226,201	225,807	181,653	132,003	114,826	96,261
Interest Income on Investments	1,231	-	-	-	-	-
Total Interest Income	227,432	225,807	181,653	132,003	114,826	96,261
Interest Paid on Deposits	66,103	76,056	60,841	31,098	24,463	21,209
Interest Paid on Borrowings	37.34	-	-	-	-	-
Total Interest Expense	66,140	76,056	60,841	31,098	24,463	21,209
Net Interest Income	161,292	149,751	120,812	100,905	90,363	75,052
Net Interest Income Growth (YoY)	16.26%	23.95%	19.73%	11.67%	20.40%	23.12%
Gain (Loss) on Sale of Assets	79	79	35	-7	20	-32
Gain (Loss) on Sale of Investments	1,456	1,456	-472	-1,531	1,058	1,561
Other Non-Interest Income	48,025	53,079	38,498	27,314	17,477	18,877
Total Non-Interest Income	49,560	54,614	38,061	25,776	18,555	20,406
Non-Interest Income Growth (YoY)	8.16%	43.49%	47.66%	38.92%	-9.07%	-10.80%
Revenues Before Loan Losses	210,852	204,365	158,873	126,681	108,918	95,458
Provision for Loan Losses	30,169	29,694	27,415	10,300	13,998	27,509
Revenue	180,683	174,671	131,458	116,381	94,920	67,949
Revenue Growth (YoY)	16.41%	32.87%	12.96%	22.61%	39.69%	-9.34%
Salaries and Employee Benefits	42,397	40,255	38,469	30,422	25,070	20,511
Occupancy Expenses	9,389	9,747	9,329	6,615	6,028	5,919
Selling, General & Administrative	3,375	3,403	2,876	2,594	1,957	1,743
Other Non-Interest Expense	37,211	37,206	32,475	19,735	14,995	14,187
Total Non-Interest Expense	94,058	92,698	83,005	59,321	48,010	42,360
EBT Excluding Unusual Items	86,625	81,973	48,453	57,060	46,910	25,589
Other Unusual Items	-	-	-	271	905	130
Pretax Income	86,625	81,973	48,453	57,331	47,815	25,719
Income Tax Expense	23,287	20,198	10,991	16,494	13,642	6,115
Earnings From Continuing Operations	63,338	61,775	37,462	40,837	34,173	19,604
Minority Interest in Earnings	-1,735	-1,685	-1,286	-224	-81	-
Net Income	61,603	60,090	36,176	40,613	34,092	19,604
Net Income to Common	61,603	60,090	36,176	40,613	34,092	19,604
Net Income Growth	21.38%	66.11%	-10.93%	19.13%	73.90%	-22.10%
Basic Shares Outstanding	3,213	3,213	3,213	3,213	3,213	3,213
Diluted Shares Outstanding	3,213	3,213	3,213	3,213	3,213	3,213
EPS (Basic)	19.17	18.70	11.26	12.64	10.61	6.10
EPS (Diluted)	19.17	18.70	11.26	12.64	10.61	6.10
EPS Growth	21.37%	66.09%	-10.93%	19.13%	73.93%	-22.10%
Dividend Per Share	5.000	3.000	-	2.000	3.000	1.000
Dividend Growth	-	-	-	-33.33%	200.00%	-71.43%
Effective Tax Rate	26.88%	24.64%	22.68%	28.77%	28.53%	23.78%

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.