CBK publishes list of banks with lowest and highest loan rates

The Central Bank of Kenya (CBK) has published loan interest rates charged by Kenyan commercial banks as of May 2025.

In a notice on Tuesday, July 5, CBK said the overall average lending rate was 15.44, while the deposit rate was 8.70.

Citibank Kenya, Stanbic Bank Kenya Limited, and Standard Chartered Bank offered the lowest lending rate at 10.36 percent, 12.84 percent, and 13.35 percent, respectively.

On the other hand, banks with the highest lending rates were Bank of Africa Kenya Limited, SBM Bank Kenya Limited, and HFC Limited at 18.07 percent, 18.09 percent, and 18.99 percent, respectively.

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Below is the list of banks’ lending rates for May 2025:

1. Citibank Kenya 10.82%
2. Stanbic Bank Kenya 12.84%
3. Standard Chartered Bank Kenya Ltd 13.35%
4. Guardian Bank 13.57%
5. Consolidated Bank of Kenya 13.61%
6. Ecobank Kenya 13.72%
7. Paramount Bank Ltd 14.47%
8. Habib Bank 14.55%
9. Gulf African Bank 14.77%
10. Equity Bank Kenya Ltd `14.89%
11. Bank of India 14.94%
12. Premier Bank Kenya Ltd 15.12%
13. Bank of Baroda Kenya (Ltd) 15.12%
14. Diamond Trust Bank 15.44%
15. ABSA Bank Kenya 15.48%
16. Guaranty Trust Bank Kenya 15.61%
17. Victoria Commercial Bank 15.68%
18. NCBA Bank Kenya 15.68%
19. KCB 15.76%
20. Prime Bank Ltd 15.79%
21. Kingdom Bank Ltd 15.80%
22. National Bank of Kenya 15.87%
23. Co-operative Bank of Kenya 16.10%
24. M-Oriental Bank Ltd 16.17%
25. Family Bank Ltd 16.40%
26. Development Bank of Kenya 16.63%
27. DIB Bank Kenya 16.87%
28. UBA Bank Kenya 16.90%
29. 1&M Bank Ltd 16.90%
30. African Banking Corporation Ltd 17.31%
31. Sidian Bank Ltd 17.68%
32. Bank of Africa Kenya Ltd 18.07%
33. SBM Bank Kenya Ltd 18.09%
34. HFC Limited 18.99%
35. Credit Bank PLC 19.41%
36. Middle East Bank (K) Ltd 19.87%
37. Access Bank Kenya 19.98%
38. Commercial International Bank Kenya 20.00%