Kcb Group Plc · NSEKE:KCB
Kcb — FY2025 Earnings Presentation
36 slides from Kcb's earnings presentation, Mar 11, 2026
Slide 1: FY 2025 Financial Performance Investor Presentation
FY 2025 Financial Performance Investor Presentation Nairobi, 11 March 2026 For People. For Better. Regulated by the Central Bank of Kenya
Slide 2: Operating Environment
FY 2025 Investor Presentation 01 Operating Environment For People. For Better. 2
Slide 3: Challenging operating context with pockets of growth opportunities
FY 2025 Investor Presentation Challenging operating context with pockets of growth opportunities. Mixed Macro Prospects Stable currencies in most of our markets Kenya, Uganda & DRC local currencies appreciated against USD YoY. Uganda and DRC local currencies appreciated against Ksh while South Sudan
Slide 4: Business Update
FY 2025 Investor Presentation 02 Business Update For People. For Better. 4
Slide 5: Our Footprint
FY 2025 Investor Presentation We are well established across the region and growing intentionally to meet emerging needs. Our Footprint We have been a catalyst for development for more than a century, opening doors of opportunity by facilitating regional commerce, and linking millions of people thro
Slide 6: Well diversified business model which is sustaining our resilience
FY 2025 Investor Presentation Well diversified business model which is sustaining our resilience. Our Key Subsidiaries Sale of 100% of issued shares in NBK to Access Bank concluded on 30 May 2025. Acquisition of a 75% stake in Riverbank Solutions completed and the acquisition of a minority stake in
Slide 7: Our Governance Structure
FY 2025 Investor Presentation Board Committees reconstituted to align to our evolving strategic needs & improve effectiveness. Our Governance Structure Audit Accountable to Accountable to the Board Risk & Compliance Board of Directors Shareholders Shareholders 11 Directors* Nominations & (9 Non-exec
Slide 8: Our Leadership Team
FY 2025 Investor Presentation Our Leadership Team. Group Executive Committee Paul Russo, EBS Lawrence Kimathi Annastacia Kimtai Cosmas Kimario Japheth Achola Bonnie Okumu Dennis Volemi Group Chief Executive Group Finance Managing Director, Ag. Group Regional Businesses Group Director, Group General
Slide 9: Our Leadership Team: Subsidiary Managing Directors
FY 2025 Investor Presentation Our Leadership Team. Subsidiary Managing Directors Annastacia Kimtai Cosmas Kimario Yannick Ngandu Patience Mutesi Edgar Byamah Managing Director, Ag. Group Regional Businesses Managing Director, Managing Director, Managing Director, KCB Bank Kenya Director and MD KCBT
Slide 10: Our 2024–2026 strategy, now in its final year
FY 2025 Investor Presentation Our 2024 – 2026 strategy, now in its final year, continues to be relevant in delivering our Purpose. Hinged on putting customers first and delivering sustainable returns for our shareholders. KCB Transforming GROUP Today STRATEGY Together For People. For Better. Leverag
Slide 11: Key Milestones in 2025
FY 2025 Investor Presentation Significant progress in executing key strategic initiatives with pace and discipline. Key Milestones in 2025 Sale of NBK A • Concluded on 30 May 2025. Channel optimization • Rolled out a new unified mobile app featuring easy & fast self- onboarding for account and walle
Slide 12: Key Milestones in 2025 (continued)
FY 2025 Investor Presentation Significant progress in executing key strategic initiatives with pace and discipline. Key Milestones in 2025 Customer CVPs • Increased focus on priority segments of youth & women, schools, D affordable housing and trade finance. • Leveraging ecosystem banking and value
Slide 13: Key investments consistent with our strategy
FY 2025 Investor Presentation Key investments consistent with our strategy, to accelerate the next growth phase. Riverbank Pesapal ▪ Acquisition completed. ▪ Acquisition in progress. Background Expected value realization Background Expected value realization • The acquisition was aimed at • Riverban
Slide 14: Impacting People. For Better.
FY 2025 Investor Presentation We are committed to creating long-term value for shared prosperity Driving Sustainability Supporting our Communities The Group continues to align its practices to address and tap on Our Foundation programmes deliver social and economic impact in climate-related risks &
Slide 15: Ranked 3rd overall among Africa's top banks
FY 2025 Investor Presentation Ranked 3rd overall among Africa's top banks in The Banker's continental rankings. Other key awards received included: Best Bank 2025 African BPR Bank in Kenya Best Bank of the Rwanda - The by Global Integrated Year Bank of the Excellence, Global Report by African Year i
Slide 16: Financial Performance
FY 2025 Investor Presentation 03 Financial Performance For People. For Better. 16
Slide 17: Balance sheet up 9% to Ksh 2.1 trillion
FY 2025 Investor Presentation Diligent strategy execution lifts balance sheet by 9% to Ksh 2.1 trillion. Balance sheet metrics Total assets distribution Balance sheet growth driven by new to bank businesses on innovative Total assets in subsidiaries outside of KCB Bank Kenya up by 20% with customer
Slide 18: Strong & growing diverse customer deposit franchise
FY 2025 Investor Presentation Strong & growing diverse customer deposit franchise. Evolution of customer deposits Customer Deposits Mix 15% YoY growth driven by new to bank customers across corporate & retail segments. Customer deposits account for 74% of total funding. Deposits by type 2024 1,382 2
Slide 19: Strong growth in customer loans
FY 2025 Investor Presentation Strong growth in customer loans, supporting businesses and households. Evolution of gross loans Gross Loans Mix 16% YoY growth driven by new to bank customers and increased disbursements in priority segments especially in KCB Bank Kenya. By segment FY 2024 1,078.9 FY 20
Slide 20: Sectoral distribution of loan book and NPLs
FY 2025 Investor Presentation Sectoral distribution of loan book and NPLs. As at 31 December 2025 Contribution to Gross loan Sector NPL ratio Contribution to NPL stock Financial Services 1.3% 15.0% 1.2% Mining and Quarrying 2.5% 15.8% 2.4% Tourism, Restaurant and Hotels 2.6% 25.5% 3.9% Energy and Wa
Slide 21: Group NPL stock down by 14 B in 2025
FY 2025 Investor Presentation Group NPL stock down by 14 B in 2025, coverage remains strong. Group NPL stock and ratio Group Coverage ratios Various NPL resolution strategies in progress including enhancing The non-performing loan book has full coverage from cash provisions recovery efforts, rehabil
Slide 22: NPL strain mainly in Kenya and DRC businesses
FY 2025 Investor Presentation NPL strain mainly in Kenya and DRC businesses, resolution measures in place. NPL ratios per subsidiary Sectoral breakdown of NPL stock Majority of the subsidiaries registered improvement in NPL in the year Key strained sectors are manufacturing and trade. Significant as
Slide 23: Ksh 214 B in total income
FY 2025 Investor Presentation Sustained strong revenue generation capacity delivers Ksh 214 B in total income. Summary income statement • Total revenue grew by 4% supported by 8% growth in net interest income on the back of Interest expense drop in interest expense. Deposits, 48.4 (13%) Interest inc
Slide 24: Best efficiency ratio in decades
FY 2025 Investor Presentation Leveraging Group capabilities & digitization delivers best efficiency ratio in decades. Evolution of operating costs Efficiency ratios Total operating costs down by 3% on NBK divestiture & improvement Cost to income ratio down to 42.3% in 2025, down from 45.4% in 2024 i
Slide 25: Group profit after tax at all time high of Ksh 68 billion
FY 2025 Investor Presentation Group profit after tax improved to an all time high of Ksh 68 billion. Group PAT Evolution PAT contribution per subsidiary Profit after tax grew by 11% to Ksh 68.4 billion as prudent cost Share from subs outside KCBK up by 4% to Ksh 20.3 B as strong management complemen
Slide 26: Largest total dividend of Ksh 22 billion
FY 2025 Investor Presentation Largest total dividend of Ksh 22 billion in line with our commitment to our shareholders. Dividend per Share Share Price Performance The Board of Directors recommend a final dividend of Ksh 3.00 per share, to Total Dividend (Ksh.) Share price up 58% YoY, inclusive be pa
Slide 27: Strong organic capital generation
FY 2025 Investor Presentation Strong organic capital generation, underpinning asset growth in all businesses. Subsidiaries core capital ratios Subsidiaries total capital ratios All subsidiaries compliant with capital limits, due to strong profitability Kenya & Uganda ratios enhanced by tier II fundi
Slide 28: Group RoE at 22.5%
FY 2025 Investor Presentation Group RoE at 22.5% on faster organic growth in shareholders’ equity. Return on Equity Returns across a majority of subsidiaries above 20%, KCB Bank Burundi’s RoE impacted by hyperinflation. 61.8% 2024 2025 45.9% 42.5% 29.0% 23.1% 23.8% 24.6% 22.5% 21.0% 19.3% 10.6% 24.6
Slide 29: Profitability and efficiency ratios in line with our guidance
FY 2025 Investor Presentation Profitability and efficiency ratios in line with our guidance. The Group remains a growing & high-returning Company Outlook FY 2026 Outlook Loan growth 8.0%-10.0% 16.3% 10.0% - 11.0% Deposit growth 9.0%-11.0% 15.2% 9.0% - 11.0% NIMs 6.6%-7.4% 7.7% 7.2% - 7.8% Cost/Incom
Slide 30: Supplementary Information
FY 2025 Investor Presentation 04 Supplementary Information For People. For Better. 30
Slide 31: Key Financial Ratios
FY 2025 Investor Presentation Key Financial Ratios Evolution of Key Ratios KCB GROUP FY 2025 FY 24 H1 25 Q3 25 KCB Kenya KCB Group 24.6% 22.2% 21.6% Return on average equity 23.8% 22.5% 45.4% 46.0% 46.2% Cost to income 34.8% 42.3% 19.2% 18.7% 17.8% Gross NPL to gross loans 19.9% 16.9% 49.3% 51.8% 54
Slide 32: Summary Statement of Financial Position
FY 2025 Investor Presentation Summary Statement of Financial Position As at 31 December 2025 KCB Group KCB Bank Kenya Ksh Billion 2024 2025 Y-O-Y 2024 2025 Y-O-Y Change Change Cash and balances with central bank 64.8 152.1 135% 42.4 123.4 191% Balances with other institutions 218.0 234.5 8% 95.0 65.
Slide 33: Summary Statement of Profit or Loss
FY 2025 Investor Presentation Summary Statement of Profit or Loss For the Year Ended 31 December 2025 KCB Group KCB Bank Kenya Ksh Billion 2024 2025 Y-O-Y 2024 2025 Y-O-Y Change Change Interest income 213.4 209.7 (2%) 145.6 150.4 3% Interest expense (76.1) (61.7) (19%) (56.8) (44.7) (21%) Net intere
Slide 34: KCB Regional Footprint and Key Macros
FY 2025 Investor Presentation KCB Regional Footprint and Key Macros As at 31 December 2025 Kenya Tanzania South Sudan Rwanda Uganda Burundi DR Congo KCB Footprint Branches 220 18 16 72 15 9 106 Number of customers (thousands) 30,923 65 159 452 140 72 2,572 ATMs 491 21 12 52 24 8 108 Agency outlets 2
Slide 35: Disclaimer
FY 2025 Investor Presentation Disclaimer The information contained herein has been prepared by KCB Group Plc (“KCB”). This presentation has been prepared for information purposes only and is not and does not form part of any offer for sale or solicitation of any offer to subscribe for or purchase or
Slide 36: Thank You
Thank You Contact Us KCB Investor Relations investorrelations@kcbgroup.com For People. For Better.