Equity Group full year 2025 net profit has risen to a record Sh75.5 billion. This net profit represented a 54.7 percent growth in profit. It was derived from a full year profit before tax of Sh90.8 billion which was a growth of 51.6 percent. In the previous full year 2024, Equity Group had recorded a full year net profit of Sh48.8 billion.
During the 2025 financial year under review, Equity Group’s total assets increased by 9.2 percent to Sh1.97 trillion from the previous year’s total of Sh1.8 trillion.
Customer deposits grew by 4.2 percent to Sh1.46 trillion from the previous Sh1.4 trillion while loans to customers increased by 7.7 percent to Sh882.5 billion. In full year 2024, total disbursed loans had stood at Sh819.2 billion.
Net interest income increased by 17 percent to Sh126.9 billion while non-funded income increased by 7 percent to Sh90.8 billion. Total income came in at Sh217.7 billion which represented an increase of 12 percent from the Sh193.8 billion that was recorded in the previous full year 2024.
The group’s regional operations accounted for about half of the total profitability that was recorded in the year under review. Equity BCDC grew its profitability by 58 percent while the group’s subsidiary in Uganda increased its profitability by 500 percent. In Tanzania, profitability growth was recorded at 125 percent.
Overall, the group’s subsidiaries accounted for 51 percent of the total banking profit before tax and 48 percent of the banking profit after tax.
Equity Group managing director and chief executive officer Dr James Mwangi noted that the full year 2025 performance demonstrated the strength of the Group’s strategic transformation, driven by diversified revenue streams, improved efficiency and growing contributions from regional subsidiaries.
“The 2025 performance reflects the success of our deliberate transformation into a diversified regional financial services group,” said Dr. Mwangi.
“We delivered strong profit growth by expanding and deepening our income streams, improving efficiency across the franchise, and strengthening the quality of our balance sheet.”
The group’s digital transformation continued to increase in the year, with 88 percent of all customer transactions being conducted digitally. When merchants and agents were included, 98.2 percent of transactions took place outside physical branches.
“This means that our branch network handles just 1.8 percent of total transactions, which is a clear demonstration of the depth of our digitization and the operational efficiencies it enables,” said Dr. Mwangi
“This level of adoption is central to strengthening our cost to income ratio and driving a more efficient, scalable business model.”
See More: Equity Group Q3 2025 net profit jumps 32 percent to Sh54.1 billion
Following this performance, Equity Group has proposed to pay a full year 2025 dividend of Sh5.75 per share. This is equivalent to a growth of 35 percent and a payout ratio of 30 percent. In total, Equity Group shareholders will receive Sh21.7 billion in dividend payout.
This implies that going by the closing price of Sh78 per share that was recorded on the Equity counter a day before the financial results were released, the payout amounts to a dividend yield of 7.4 percent.
“This year, we are paying the highest dividend in our history, reflecting strong financial performance and sustained value creation. This milestone highlights the Group’s commitment to rewarding investor confidence while continuing to invest in growth and innovation,” said Dr. Mwangi.
