Co-operative Bank Of Kenya Ltd. · NSEKE:COOP
Co-operative Bank Of Kenya — Q3 2025 Earnings Presentation
52 slides from Co-operative Bank Of Kenya's earnings presentation, November 2025
Slide 1: Investor Briefing Q3 2025
Ge) CO-OPERATIVE BANK Investor Briefing Q3 2025
Slide 2: A Transformational Bank
A Transformational Bank Largest Co-operative Bank in Africa - 15 Million Members Successful Universal Banking Model, Increased Dominance in Kenya Growth, Resilience and Agility Kshs. 815.3 Billion in Total Assets 5,826 Skilled, Motivated Staff Members Group Financial 2 Results Q3 2025
Slide 3: We are Growing
We are Growing Creating Value
Slide 4: Efficient, Profitable Business Model Growing Asset Base
Efficient, Profitable Business Model 30.0 Profit Before Tax (Kshs. B) 26.8 Q3 2024 Q3 2025 Growing Asset Base 815.3 Total Assets (Kshs. B) 750.8 Q3 2024 Q3 2025 Group Group Financial Financial FY2024 Results Results Q3 2025 Q1 Group Financial 2025 Results 4
Slide 5: Group Structure
Group Structure Co-operative Bank of South Sudan Ltd (51%) Co-op Bancassurance Intermediary Ltd (100%) 15M Member Co-operative Movement Co-optrust Investment Services Ltd (100%) Co-op Holdings Co-op Society Ltd (64.56% Strategic Ownership) Kingdom Securities Ltd (60%) Co-operative Bank of Kenya Ltd
Slide 6: A Successful Universal Banking Model
A Successful Universal Banking Model Retail and Business Banking Corporate & Institutional Banking (Kshs.284.6 Billion Loan Book) (Kshs. 112.9 Billion Loan Book) Leasing: Co-operatives Banking Coop Mn Bank Fleet Africa Ltd (Kshs. 38.3 Billion Loan Book) (Kshs.136.7 PBT Q3 25) Funds under management
Slide 7: Our Presence
Our Presence 217 Branches +17K Diaspora Banking Customers South Sudan Co-op Bank Mobile Banking 16,739 Co-op Kwa Jirani Agents App Co-op Bank Internet Banking Core Banking System Kenya 616 ATMs & Cash Deposit Machines (CDMs) 24hr Contact Centre 5,826 Staff 619 Sacco Front Offices Branch Network Grou
Slide 8: Resilience in our Regional Business: Co-operative Bank of South Sudan
Resilience in our Regional Business : Co-operative Bank of South Sudan Q3 2024 Q3 2025 11,134 8,018 8,545 5,647 3,447 4,477 Total Assets Total Deposits Loans And Advances Branches Q3 2024 Q3 2025 1. Juba 2. Kololo 1,591 1,498 3. Malakia 1,310 1,276 4. Nimule 5. Wau 524 6. Gudele 338 34 94 Owns 31% o
Slide 9: We are Resilient
We are Resilient Protecting Value 9
Slide 10: Robust Financial and Operational Foundations Driving Stability
Robust Financial and Operational Foundations Driving Stability Proactive Enterprise Risk Management Up to 52.4% of our loan Book is in Consumer banking Framework. which is low risk and performing well. Optimal risk spread with KShs.255.4 Bn in government Proactive Regulatory compliance securities. S
Slide 11: We are agile
We are agile Fast | Adaptable 11
Slide 12: Leveraging Digital Transformation and Agile Methodologies
Leveraging Digital Transformation and Agile Methodologies >90% of transactions on alternative channels enhancing operational efficiency. New core banking system operational in Kenya (June 2023), South Sudan (March 2024) & Kingdom Bank (Ongoing), enhancing group synergies, innovation, customer experi
Slide 13: Increased Access to Finance with E-Credit
Increased Access to Finance with E-Credit Cumulative Mcoop Cash Loan Customer Numbers ( In '000’) 13,709 14,162 13,318 12,786 Kshs. 54.2 Bn Disbursed YTD 10,727 8,774 Kshs. 483 Bn Disbursed since inception. 6,577 4,641 2,924 % DISTRIBUTION - YTD DISBURSEMENTS 694 1,389 183 388 FY2015 FY 2016 FY2017
Slide 14: Growing Co-op Kwa Jirani Agency Banking
Group Financial Results Q3 2025 Growing Co-op Kwa Jirani Agency Banking Total No. of Transactions Deposits Generated by Agents Transaction Value distribution (%) (Millions) (Ksh.Bn) Q3 2024 Q3 2025 22.7 127.4 17.4 108.6 72.5% 26.6% 67.7% 31.1% 0.9% Q3 2024 Q3 2025 Q3 2024 Q3 2025 1.1% Deposits Withd
Slide 15: Economic Updates
(Ge) CO-OPERATIVE BANK BANK We are you Economic Updates
Slide 16: Macroeconomic Highlights
MACROECONOMIC HIGHLIGHTS • Resilience In The Face Of Turbulence Within The Global Economy. • Stability Within The Domestic Economy. • Navigating A Dual Reality In South Sudan.
Slide 17: Global Economy - Resilience in the Face of Turbulence
GLOBAL ECONOMY- RESILIENCE IN THE FACE OF TURBULENCE World Economic Outlook Projections, October 2025 • In 2025, the global economy has shown resilience in an environment characterized by policy shifts, geopolitical tensions and fiscal vulnerabilities. 4.8 4.9 • Resultantly, global growth projection
Slide 18: Kenya's Economic Growth Path
KENYA’S ECONOMIC GROWTH PATH 2025 • The Kenyan Economy continues to reap the benefits of SECTOR 2022 2023 2024 Annual 2026 a stable macroeconomic environment in 2025. Q2 Projection Projection Inflation, interest and exchange rates are within 1. Agriculture -1.5 6.6 4.6 4.4 5.1 4.9 tolerable threshol
Slide 19: Inflation & Interest Rates
INFLATION & INTEREST RATES Inter-bank CBR 91-Tbill Inflation • Overall headline inflation has remained within target in 2025 supported by a favorable weather, government 18.0 interventions within the agricultural sector and moderating oil prices globally. 16.0 • Over the near-term, inflation is expe
Slide 20: Private Sector Credit Growth & NPLs
PRIVATE SECTOR CREDIT GROWTH & NPLs • Supported by the fall in interest rates, credit to the private sector continues to recover from the contraction CBR NPLs Private Sector Credit Growth observed at the beginning of the year to record a growth of 5% as of September 2025 but still below the average
Slide 21: South Sudan
SOUTH SUDAN • South Sudan stands at a significant inflection point, caught between renewed optimism from recovering oil flows and cash liquidity stress across the economy. • The IMF projects a real GDP rebound of 24.3% in 2025 and 22.4% in 2026, following a 26.1% contraction in 2024. • The projected
Slide 22: Corporate Strategic Plan 2025-2029
2025-2029 Corporate Strategic Plan “Good to Great” Strategy 22
Slide 23: Purpose, Vision, Mission
PURPOSE VISION MISSION A financial partner predominantly owned by the To be the dominant bank in Kenya and the region, To offer a wide range of innovative financial solutions leveraging on our Co-operative movement, riding on the unique Co-operative Model providing heavy investment in multi-channels
Slide 24: "Soaring Eagle" Transformation
“Soaring Eagle” Transformation Progressive gains for our efficiency and growth. 1. Branch Transformation 2. MSME Transformation 3. Sales Force Effectiveness 4. Shared Services & Digitization “The Digital Bank” 5. NPL Management & Credit Processes 6. Cost Management 7. Data Analytics 8. Staff Product
Slide 25: Branch Transformation, MSME Transformation, Sales Force Effectiveness
Branch Transformation MSME Transformation >90% of total transactions are on Alternative 70,010 Customers trained Channels. 254,707 customers onboarded MSME Gold, Silver & Bronze E-Credit • A key focus area, Kshs. 483 Bn disbursed to Date. NFS • Kshs. 6.0 Billion disbursed per month on • 154 Webinars
Slide 26: NPL Management, Data Analytics, Cost Management
NPL Management & Credit Processes Cost Management Continuous Process improvement for enhanced End to End Turn Around Time on all loan applications. Efficiency gains 62.6% Proactive early delinquency & NPL management through Connecting 56.0% with our customers, collecting and offering customer-centri
Slide 27: Environmental Social and Governance (ESG)
Environmental Social and Governance (ESG) 27
Slide 28: Group Financial Results
Group Financial Results FY2024 Q3 2025 Group Financial Results
Slide 29: Group Financial Results
Group Financial Results FY2024 Q3 2025 Group Financial Results
Slide 30: Impact driven by our dedicated ESG Focus
Impact driven by our dedicated ESG Focus MSME Financing Affordable Infrastructure Renewable Energy Green Buildings Food Security Access to Essential Services Employment Generation Youth Banking 10,264 Women Banking Sustainable Water & Sustainable Food & Agriculture Affordable Housing Waste Managemen
Slide 31: Focused Execution In Integration of ESG Principles
Focused Execution In Integration of ESG Principles The third quarter established the governance and data foundation to translate our ESG strategy into measurable financial and risk outcomes. We remain on track to meet key regulatory and commercial milestones while strengthening systems, managing ris
Slide 32: Sustainability Awards
Sustainability Awards Most Sustainable Bank in Kenya Most Innovative Bank Best in financing Commercial Clients Best in Financing MSMEs 1st Runners up – Best In promoting People with Disability (PWD) 2nd Runners Up – Best in Promoting Gender Inclusivity Group Financial Results Q3 2025 32
Slide 33: Award-Winning Brand
Award-Winning Brand Group Financial Results FY2024 Group Financial Results Q3 2025
Slide 34: Award-Winning Brand
Award-Winning Brand ENERGY MANAGEMENT AWARDS (EMA) 2025 Winner, Financial Institution Award INFOSYS FINACLE INNOVATION AWARDS 2025 • Transformation excellence - platinum winner • ESG-led innovation - platinum winner GLOBAL FINANCE - WORLD’S BEST BANK AWARDS 2024 Best Bank in Kenya ASIAN BANKER GLOBA
Slide 35: Group Financial Performance
Group Financial Performance
Slide 36: Strong Financial Position (Kshs. Billions)
Group Financial Results Q3 2025 Strong Financial Position Total Assets Net Loans & Advances (Kshs. Billions) 815.3 406.5 381.3 750.8 Q3 2024 Q3 2025 Q3 2024 Q3 2025 Total Deposits Shareholder's Funds 559.6 164.2 131.8 524.5 Q3 2024 Q3 2025 Q3 2024 Q3 2025 36
Slide 37: Strong Financial Position
Strong Financial Position Kshs. Billions Q3 2025 Q3 2024 % Growth Total Assets 815.3 750.8 8.6% Net Loan book 406.5 381.3 6.6% Government Securities 255.4 211.6 20.7% Total Deposits 559.6 524.5 6.7% Borrowed Funds 66.5 58.0 14.6% Shareholder's Funds 164.2 131.8 24.5% Group Financial Results FY2024 Q
Slide 38: Diversified loan book
Group Financial Results Q3 2025 Diversified loan book Loan Book By Segment Q3 2024 Q3 2025 • Diversified across segments. 47.5% 48.6% • Highest book is in Consumer Banking; • Check off; deductions are done at source. 27.6% • Diversified across various 25.9% Government/quasi-government employees. 15.
Slide 39: Diversified loan book by sector
Group Financial Results Q3 2025 Loan Book by Sector 0.5% Diversified loan book Tourism, Restraurant & Hotels 0.5% Building & Construction 0.7% 0.9% Agriculture 1.9% • Diversified across sectors 1.5% Energy & Water 1.6% 1.9% • 52.4% in Personal consumer which is Manufacturing 4.3% performing well 3.0
Slide 40: Portfolio Trends: Sector NPL
Group Financial Results Q3 2025 Q3 2025 Q3 2024 Sector Size Portfolio Trends: Sector Energy & Water 4.4% 1.6% 3.5% NPL 6.5% Financial services 8.6% 4.0% Personal consumer 8.7% 52.4% 7.0% Transport & 29.9% Low relative exposure Communication 27.4% 7.9% in high-risk sectors 10.3% Manufacturing 4.3% 15
Slide 41: Supporting NPL Management
Group Financial Results Q3 2025 NPL Ratio Q3 2024 Q3 2025 Supporting NPL Management; 17.1% 17.1% 17.2% 16.7% 16.4% • Proactive Loan book Growth initiatives 16.0% to increase the base. • Proactive Credit Management Strategies. • Early warning systems • Connect, collect & Cure approach • Prudential pr
Slide 42: Cost of risk of 2.49% in Q3 2025
Cost of risk of 2.49% in Q3 2025. Cost of Risk IFRS Coverage Coverage with security 2.49% 70.4% 66.5% 101.1% 99.3% 1.96% Q3 2024 Q3 2025 Q3 2024 Q3 2025 Q3 2024 Q3 2025 Group FY2024Financial Results Group Financial Q3 2025 Results 42
Slide 43: Well-diversified Liability Portfolio
Well-diversified Liability Portfolio Q3 2025 Q3 2024 CASA VS TERM DEPOSITS 7.9% Sacco and Agri-Business 6.2% Current & Savings Deposits Term & Call Deposits 10.2% Corporate banking 9.9% 11.7% Government Banking 13.1% 20.3% 44.2% Institutional Banking 19.5% 55.8% 23.8% MSME 24.4% 26.1% Retail 26.9% G
Slide 44: Optimally balanced Kenya Shilling Asset & Funding Book
Optimally balanced Kenya Shilling Asset & Funding Book FUNDING: ASSETS: LOCAL VS. FOREIGN CURRENCY LOCAL VS. FOREIGN CURRENCY LCY Deposits FCY Deposits Local Currency Foreign Curency LCY Borrowing FCY Borrowing 1.3% 7.9% 15.8% 7.4% 83.5% 84.2% Group Financial Results FY2024 Q3 2025 44 Group Financia
Slide 45: Asset and Funding Mix
Asset and Funding Mix Q3 2025 Q3 2024 7.4% Net Loans Net Loans 8.7% Asset Categories 11.4% 12.3% Government Government 49.9% Securities Securities 50.8% Cash and Cash Cash and Cash 31.3% Equivalent 28.2% Equivalent Other Assets Other Assets Q3 2025 Q3 2024 3.1% 4.8% Funding Categories Deposits Depos
Slide 46: Strong Liquidity to Support Investments
Strong Liquidity to Support Investments Liquidity ratio Total Loans to Total Deposits Loans /(Deposits+Borrowed Funds) 61.0% 72.7% 72.6% 65.5% 64.9% 57.8% Q3 2024 Q3 2025 Q3 2024 Q3 2025 Q3 2024 Q3 2025 Group Financial Results FY2024 Q3 2025 46 Group Financial Results
Slide 47: Capital buffers for sustainable growth
Capital buffers for sustainable growth Core capital to Total Deposits Core capital to Total risk Total capital to Total risk weighted assets weighted assets 22.7% 24.3% 21.6% 22.8% 20.3% 18.5% 14.5% 14.5% 10.5% 10.5% 8.0% 8.0% Q3 2024 Q3 2025 Q3 2024 Q3 2025 Q3 2024 Q3 2025 Total capital to Total ri
Slide 48: Sustainable Profitability
Sustainable Profitability Kshs. Billions Q3 2025 Q3 2024 YoY Change Total Interest Income 67.93 61.77 10.0% Total Interest Expenses 22.65 24.89 -9.0% Net Interest Income 45.28 36.87 22.8% Fees and commissions on loans and advances 8.56 9.08 -5.7% Other Fees and commissions 9.65 8.83 9.2% Foreign exc
Slide 49: Subsidiary Contribution
Subsidiary Contribution Q3 2025 Q3 2024 Growth Growth KShs ‘000 KShs ‘000 KShs ‘000 % Co-operative Bank of Kenya Ltd 26,953,694 24,475,227 2,478,466 10.1% Co-operative Bank of South Sudan Ltd 93,509 33,796 59,713 176.7% Co-optrust Investment Services Ltd 624,735 254,898 369,836 145.1% Co-op Bancassu
Slide 50: Key Ratios
Group Financial Results Q3 2025 Key Ratios Ratio Q3 2025 Q3 2024 RoAA 3.67% 3.63% RoAE 19.4% 21.3% EPS 4.90 4.36 Average Return on Interest Earning Assets 13.1% 13.4% NIM on Loans 9.3% 7.8% NIM on Interest Earning Assets 8.1% 7.3% CIR Group (with provisions) 56.0% 55.2% CIR Group (with
Slide 51: Interim Dividend Payment
Interim Dividend Payment The Co-operative Bank Group is pleased to declare an interim dividend of KShs. 1.00 per share, totaling KShs. 5.87 billion, reflecting our resilient earnings momentum, solid balance sheet and financial performance. This dividend underscores our commitment to delivering consi
Slide 52: Thank You
THANK YOU EE | CO-OPERATIVE BANK
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