NCBA Group 2025 full year net profit has risen by 7 percent to Sh23.4 billion. In the previous full year 2024, the banking group had posted a net profit of Sh21.87 billion.
The profit for the full year 2025 was derived from a profit before tax of Sh27.9 billion which was an increase of 11 percent from the profit before tax that was realized in the previous year.
During the year under review, customer deposits increased by 5.95 percent to Sh531.87 billion from the previous Sh502.02 billion, while total assets increased by 7.5 percent to Sh716.1 billion.
At the same time, net customer loans and advances jumped by 4.99 percent to Sh317.16 billion from the Sh302.08 billion that was recorded the previous year.
Gross non-performing loans went down by 6.7 percent to Sh34.7 billion. The banking group announced that the equity attributable to shareholders had increased by 16.2 percent to Sh127.5 billion.
In the same vein, the total dividend per share jumped by 29.1 percent during the financial year under review to Sh7.10.
This will follow a final dividend payment of Sh4.60 per share. On October 2, 2025, NCBA had paid shareholders an interim dividend of Sh2.5 per share. In the previous year, shareholders had received a total dividend payment of Sh5.50 per share.
Speaking when the banking group released its results, Managing Director and Chief Executive Officer John Gachora said that the NCBA Group was now firmly a $5 billion business serving over 65 million customers across different markets in Africa.
He went on to reveal that the bank had now hit Sh1 trillion in loan disbursements, a testament to the group’s position as a solid financier of individuals, micro small and medium enterprises, and large businesses across the continent.
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The NCBA Group Director of Finance David Abwoga announced that regional subsidiaries had contributed Sh3.6 billion to the total profitability. This was equivalent to 13 percent. Non-banking subsidiaries on the other hand brought in Sh1.5 billion profit before tax.
On revenue growth, the Kenyan unit alone accounted for about 85 percent of the banking group’s revenue.
“The Kenyan bank subsidiary remains NCBA Group’s main profit engine, contributing 82 percent of profit before tax and growing at a 27 percent compound annual growth (CAGR) since the year 2020 to Sh22.9 billion. This, driven by balance sheet growth and margin management,” said Abwoga.
“NCBA has consistently provided growing returns for our stakeholders, driven by disciplined growth, effective risk management, and sustainable business practices.”
At the same time, the NCBA announced that the acquisition of a 66 percent stake by Nedbank has been strategically designed to accelerate long term growth while provide growth and value for shareholders.
“We chose Nedbank for good reasons. Nedbank has been listed on the Johannesburg Stock Exchange (JSE) since 1969. One of our key pillars is expanding into new markets , and as such, it made sense to have a strong parent,” said Gachora, adding that the banking group has made significant progress in the regulatory approval process.
