Absa Bank Kenya Plc · NSEKE:ABSA
Absa Bank Kenya — FY2025 Earnings Presentation
28 slides from Absa Bank Kenya's earnings presentation, 2026
Slide 1: Absa Bank Kenya PLC Investor Briefing FY2025 Results
Absa Bank Kenya PLC Investor Briefing FY2025 Results
Slide 2: Agenda
2025 Investor Briefing Agenda Operating Business Financial Environment Overview Performance 2
Slide 3: Operating Environment
Your story matters Operating Abdi Mohamed Environment Managing Director and Chief Executive Officer
Slide 4: Economic Overview: Kenya's macro-economic environment remains resilient
2025 Investor Briefing 4 Economic Overview: Kenya’s macro-economic environment remains resilient driven by an accommodative monetary policy, sectoral recovery, moderated inflation, currency stability and sustained GDP growth Resilient GDP growth Upgrade of Sovereign Rating Sharp drop in CBR In Summa
Slide 5: Business Overview
Your story matters Business Abdi Mohamed Overview Managing Director and Chief Executive Officer
Slide 6: Our footprint: part of a leading Pan African financial institution
2025 Investor Briefing Our footprint: We are part of a leading Pan African financial institution with global reach Absa Group 1,016 139,436 >36, 000 Branches POS Employees 6,347 12 3 Countries Representative ATMs in Africa Offices Absa Kenya 89 20,749 >2,000 Branches POS Employees 263 538 8,060 bill
Slide 7: Our Strategy Overview: fourth year of five-year strategic cycle
2025 Investor Briefing 7 Our Strategy Overview: We are in the fourth year of our five-year strategic cycle 2023 - 2027 Our purpose: Empowering Africa’s tomorrow, together … one story at a time 3 Priorities 3 Enablers 1. A modern-day consumer business A market 1. A digitally powered business – - Shif
Slide 8: Our Strategic Execution: significant progress on key priorities
2025 Investor Briefing 8 Our Strategic Execution: We made significant progress in executing our key strategic priorities and initiatives, delivering strong and commendable results We accelerated the execution of our segment-led business strategy, while sharpening our product excellence A • Revamped
Slide 9: Our Strategic Execution: landmark deals for clients
2025 Investor Briefing 9 Our Strategic Execution: We made significant progress in executing our key strategic priorities and initiatives, delivering strong and commendable results Executed several large, landmark deals for our clients • Absa Kenya served as East Africa Breweries Limited’s financial
Slide 10: Accelerated New Businesses growth
2025 Investor Briefing 10 Accelerated New Businesses growth: Our investments in new businesses continue to drive our revenue diversification strategy thereby future-proofing our business and delivering market-leading performance Business Banking New Businesses income growth Accelerated growth of ass
Slide 11: Digital Banking: significant investments in digital platforms
2025 Investor Briefing 11 Digital Banking: We continue to make significant investments in our digital platforms to accelerate growth of our diversified non-funded income and we are gaining market share in our chosen strategic battle-grounds Business Banking Diversification towards non-funded Sustain
Slide 12: Building a trusted Brand
2025 Investor Briefing Building a trusted Brand: We continue to elevate Absa’s positive impact on our customers, communities and the environment, further deepening stakeholders trust and growing brand consideration Key sustainability highlights KES 49 bn Kes 6.5 bn 300,000 1.7 Mn Trees Inclusive fin
Slide 13: Our Leading Employee Value Proposition
2025 Investor Briefing 14 Our Leading Employee Value Proposition: We are building a home of talent and diversity while driving a high- performance and innovative culture as demonstrated by our ‘Top Employer’ certification for the fifth consecutive year Certified ‘Top Employer’ for the 5th Building a
Slide 14: Financial Performance
Your story matters Financial Yusuf Omari Chief Financial Performance Officer
Slide 15: Bolstered balance sheet
2025 Investor Briefing Bolstered balance sheet: Growth in our strategic focus areas leveraging our strong customer franchise Customer Deposits Customer Loans and Advances (In KES bn unless stated otherwise) Focus on optimizing our deposits structure to lower our cost of funding Accelerating balance
Slide 16: Momentum in revenue: well diversified business
2025 Investor Briefing Momentum in revenue: A well diversified business with investments in new revenue streams driving performance Revenue Diversification: NII and NFI Revenue Diversification by business (In KES bn unless stated otherwise) Markets (2%) lesale Bank 49% 10% Cons Corporate Markets Ban
Slide 17: Sustained improvement in efficiency
2025 Investor Briefing Sustained improvement in efficiency: Sustained efficiency levels driving down total costs while we continue to make strategic investments for future growth Total Costs reduction Improved Cost to Income Ratio (In KES mn unless stated otherwise) YoY (5%) 46% 46% 23,507 22,423 41
Slide 18: Portfolio quality: sustaining quality in a tough environment
2025 Investor Briefing Portfolio quality: Sustaining quality while maintaining a robust balance sheet in a tough operating environment Impairments reduction driven by improved portfolio quality and rigorous collection efforts Gross NPLs Ratio (In KES mn unless stated otherwise) 15.5% YoY (32%) Indus
Slide 19: Resilient performance despite a complex operating environment
2025 Investor Briefing Resilient performance despite a complex operating environment: Double-digit growth in profitability P&L Indicators (Kshs bn) 2024 2025 YoY Income 62.3 61.4 (2%) Net Interest Income 46.2 43.3 (6%) Non Funded Income 16.1 18.1 12% Operating Costs (23.5) (22.4) (5%) Impairment (9.
Slide 20: Delivering resilient performance: efficiency metrics
2025 Investor Briefing Delivering resilient performance: Our efficiency metrics continue to improve while delivering accelerated growth on our non-funded income ensuring that we deliver sustainable returns to our shareholders Indicators 2024 2025 Commentary Cost to Income Ratio 37.7% 36.5% Talent an
Slide 21: Strong capital and liquidity ratios
2025 Investor Briefing Strong capital and liquidity ratios: Providing capacity to support growth ambition and future capital distribution Core Capital Ratio Total Capital Ratio Liquidity Ratio 45.6% 42.5% 20.7% 21.0% 18.3% 17.0% Regulatory minimum 14.5% Regulatory Regulatory minimum minimum 10.5% 20
Slide 22: Guidance
Your story matters Guidance Yusuf Omari Chief Financial Officer
Slide 23: Guidance: strategy supports a positive medium-term guidance
2025 Investor Briefing Guidance: Our strategy supports a positive medium-term guidance Principal Financial Metrics …Medium Term Target Accelerated Growth Sustainable growth in balance sheet Increased Efficiency Cost-To-Income Ratio of low 40%s Sustainable Shareholder Returns Return on Equity above o
Slide 24: Conclusion
Your story matters Conclusion Abdi Mohamed Managing Director and Chief Executive Officer
Slide 25: Recap: strategic roadmap anchors key priorities
2025 Investor Briefing Recap: Our strategic roadmap continues to anchor our key strategic priorities and execution to drive sustainable performance 2025 performance highlights With clear execution focus areas in the medium-term Income Profit After CUSTOMER-LED GROWTH DIVERSIFIED BUSINESS 61.4bn Tax
Slide 26: For our shareholders: sustainable returns
2025 Investor Briefing For our shareholders: We remain committed to continue delivering sustainable returns to our shareholders Dividend Performance Share Price Performance 1 17% 37% 13% 2.05 15% 24.7 23% 1.75 44% 1.55 1.35 Total 18.05 Dividend Per 1.1 1.85 Share 1.55 11.45 1.35 1.15 Final 1.1 Inter
Slide 27: Disclaimer
2025 Investor Briefing Disclaimer Forward-looking statements Certain statements in this document are forward looking that relate to, among other things, the plans, objectives, goals, strategies, future operations and performance of Absa Bank Kenya PLC . Words such as “anticipates”, “estimates”, “exp
Slide 28: Thank You
Thank You Contact Us investorrelationsKE@absa.africa