KCB Group PLC (UGSE:KCB)

KCB Group Balance Sheet

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
Cash & Equivalents	28,632	301,515	494,675	213,288	58,029	58,440
Investment Securities	605,377	331,607	391,804	275,416	270,287	200,444
Trading Asset Securities	40,940	19,438	69	17,403	5,462	5,143
Total Investments	646,317	351,045	391,873	292,819	275,749	205,587
Gross Loans	1,139,902	1,081,550	1,205,826	934,753	745,227	660,172
Allowance for Loan Losses	-	-91,137	-108,602	-71,485	-69,746	-64,917
Net Loans	1,139,902	990,413	1,097,224	863,268	675,481	595,255
Property, Plant & Equipment	24,801	24,583	27,005	29,851	21,855	20,088
Goodwill	-	2,461	3,070	3,070	-	-
Other Intangible Assets	14,057	12,483	16,254	18,145	7,012	5,499
Investments in Real Estate	14,435	14,436	19,191	12,601	10,666	6,035
Other Receivables	1,310	30,369	48,354	34,404	16,499	36,128
Restricted Cash	66,685	39,944	17,465	45,156	41,171	35,671
Other Current Assets	166.95	160,313	10,941	11,623	9,935	6,810
Long-Term Deferred Tax Assets	36,299	33,729	38,464	25,758	22,382	17,647
Other Long-Term Assets	71,875	1,029	6,358	4,047	895	650
Total Assets	2,044,479	1,962,320	2,170,874	1,554,030	1,139,674	987,810
Accrued Expenses	-	13,528	10,956	9,679	-	4,795
Interest Bearing Deposits	1,576,459	1,424,992	1,778,718	1,228,204	884,958	786,892
Total Deposits	1,576,459	1,424,992	1,778,718	1,228,204	884,958	786,892
Current Portion of Long-Term Debt	-	8,413	10,449	204	683	398
Current Portion of Leases	-	557	998	1,353	505	498
Current Income Taxes Payable	993.47	6,455	3,668	-	5,644	-
Other Current Liabilities	12,854	140,719	8,577	8,221	30,210	9,633
Long-Term Debt	82,320	61,127	78,232	63,406	36,878	36,634
Long-Term Leases	-	3,339	4,799	4,520	6,176	6,360
Pension & Post-Retirement Benefits	664	664	601	585	458	177
Long-Term Deferred Tax Liabilities	1,812	1,997	3,459	4,492	655	-
Other Long-Term Liabilities	52,010	17,550	34,857	27,089	-	-
Total Liabilities	1,727,112	1,679,341	1,935,314	1,347,753	966,167	845,387
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	293,257	268,573	213,303	180,340	149,195	118,188
Comprehensive Income & Other	-15,652	-24,588	-16,684	-11,042	-8,385	-6,668
Total Common Equity	308,509	274,888	227,522	200,201	171,713	142,423
Minority Interest	8,859	8,091	8,038	6,076	1,794	-
Shareholders' Equity	317,368	282,979	235,560	206,277	173,507	142,423
Total Liabilities & Equity	2,044,479	1,962,320	2,170,874	1,554,030	1,139,674	987,810
Total Debt	82,320	73,436	94,478	69,483	44,242	43,890
Net Cash (Debt)	179,735	247,517	400,266	161,208	19,249	19,693
Net Cash Growth	-30.85%	-38.16%	148.29%	737.49%	-2.25%	-46.68%
Net Cash Per Share	55.93	77.04	124.58	50.17	5.99	6.13
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	96.01	85.54	70.80	62.30	53.44	44.32
Tangible Book Value	294,452	259,944	208,198	178,986	164,701	136,924
Tangible Book Value Per Share	91.63	80.89	64.79	55.70	51.25	42.61

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