2025 Q3 Financial Results

30.092025

30.0+.2025

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Un-audited

3,1S7',377

12,159,513

10,52€,029

566,688

92,550,760

5,159,495

-556,837

2,291,243

15 05,458

74,944,980

3,439,117

5,739,810

2,412,894

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31.0320Z5

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Un-audited

3,171,583

24,948,897

3,152,58€

1,399,696

92,546,047

5,109,531

1O,518,9A9

3,d10,615

917,349

137,859,438

81,108,301

145,2W

3,441,857

5,706,787

1,869,386

sazb,,a7o99s,p6+3r4

31.12.20Z

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Audited

4,1dd,406

28,173,143

Z7'€,509 3,275,7€1

92,911,506

5,&,207

500,151

657,492

9d1,104

151,847,379

79,428,275

3,471,552

5,516,312

2,27d,221

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Un-oudlwd

3,46Z,008

17,b18,774

2,Z19,879 Z,397,155

b5,388,336 2,487,SBB

5,172,172

1,403,862

885,026

151,282,200

100,701,732

145,243

3,499,179

5,62€,617

3,02+,2V

6,980

5,571,464

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Un-audited

3,84S,177

19,835,b86

11,783,76

+27,385

94,3R,979

2,576,153

6,9&,879

354,147

2,053,005

14+,395,275

79,003,894

3,580,834

5,W,788 Z,62O,321

-

5,4M,379

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Un-audited

3,157,377

12,159,513

10,52€,029

566,688

92,S50,760

5,159,495

-556,837

2,413,1S0

152,20S,458

7€,520,b51

3,439,117

5,739,810

Z,573,29O

-

8,+Z3,442

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Un-audited

3,1Z1,583

24,948,897

3,1S2,58€

1,399,69+

92,5 6,047

5,109,531

1O,51B,9€9

3,+10,+15

1,023,178

137',859,438

80,931,2€0

3,441,857

5,706,787

1,915,424

-

+,920,779

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Audited

4,166,408

28,173,143

77€,509

3 75,741

92,911,506

5,&,207

500,151

657,492

1,080,212

151,847,379

78,5b4,95

3,471,552

5,516,312

2,382,115

+,3+1,410

30.09.2024

KShs 000

Un-oudlwd

3,46Z,008

17,d18,774

2,719,879

Z,397,155

2,AB7,SBB

5,172,172

1, 03,862

989,983

151,282,200

OO,O9Z,678

-

3,499,179

5,d24,617

3,O88,604

d,980

5,703,511

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Un-audited

ASSETS

Coah (both local and foreign)

3,845,177

Balances due from Central Bank of Kenya

19,635,686

Ke/o Government and other securities held for dealing purposes

11,783,7 '

Financial osseTs ot Noir xolue through profit and loss

+27,385

Invesrmenr Securlnea:

o) Amonlsed cost:

i. Kenya Government securities

ii. Other securities

b) FoIr value Trough our comprehenslw Income g

i. Kens Government securities

94,3R,979

ii. Other securities

2,576,153

Deposit ond bolonces due From locol booking institutions

6,9R,879

DeposlM and balances due from banking InstltuzIons obrood

354,147

Tax recoverable

1,930,017

Loans and advances fo customers (nef)

146,395,275

Balances due from banking institutions in the group

78,881,21€

Investment in associates

Investment In subsldlory compan1es Invesrmens In)olnr ventures

145,243

Invesrmenr properrTea Properg and equipment

3]80,834

Intangible ossed

5,W,788

Deferred tox osset

Z,545,674

Retirement benefTr acset

Other oasors

sa4,51,31171,,s7z8a1

TOTAL ASSETS

m,»+z,4s+

3s ,4as,e‹a

»n,oa+,acs sewzss,4os ss ,s7 ,ask

LFABILIWES

290,589,584

5,B97

412,9d0

8,882,606

-

35,250

7,218,A95

285,213,531

9,192

1,038,487

12,138,062

2,549,62

-

M,439

5,897,597

295,+90,089

75,5€1

231,321

9,174,388

1,587,139

152,560

33,9d0

+,757,765

2B5,416,73

28,342

332,101

7,220,031

1,731,460

3,283,589

-

8,166,233

283,426,922

6,0d1,9l2

117,757

19,€9€,251

86,521

4,367,710

35,905

7,063,909

Balances due to Central Bank of Kenya Customer deposilz

283,426,922

290,589,584

285,213,531

295,690,089

284,416,73

DeposlM ond bolonces due to locol bonklng Institutions Deposits and balances due a foreign banking lnadbirlona

d,Od1,@2

117,757

5,897

412,9+0

9,192

1,038,487

75,K1

231,321

28,342

33Z,101

Other money market deposira

Borrowed funds

Balances due to banking instiQtions in the group

20,130,856

8,181,159

11,163,961

8,087,85

6,204,292

Tox potable

-

17,551

2,789,860

1,7A2,437

Dlyldends poyoble

€,367,710

-

15Z,560

3,283,589

Deferred tax IIobIIIry

Retirement benefit IiobTlig

35,905

35,250

M,439

33,9+0

Other liabilities

7,03€,515

7$47,970

5,R7,350

+,78 ,207

8,20€,129

TOTAL LIABILITIES

az1, zz,szz

aoz,1w,zsz

aos,eeo,no

als,zoz,zaa

sos,1ze, so

azo,sss,zaz

aos,+so,sz1

so la+,azo

mz,zsz,sa+

SHAREHOL0E9S' FUNDS

Pold up/oss1gned coplol

2,169,253

Z,169$53

2,169,253

Z,1+9,253

2,169,253

2,169,253

Z,169,253

2,169,253

Z,1+9,253

2,1d9,253

Shore premium/(dIacounr)

7,792,427

7,792,427

7,79Z,427

7,792,427

7,792,427

7,79Z,42Z

7,792,427

7,792,427

7,792,427

7,79Z,427

Revaluation reserves

568,005

717,511

W9,588

721,665

723,7d9

568,005

717,511

719,588

721,8dS

Retained earnings/(accumulated losses}

Sbatutory loan loss reseryes

49,604,124

-

47,982,113

29Z,258

47,884,019

-

43,415,503

-

53,24Z,985

50,522,584

-

48,378,523

297,258

48,548,617

-

43,686,518

-

Other reseryes (fair volue)

d78,16d

1,115,277

B23,W

1,266,308

296,806

d78,16d

1,115,277

823,8 4

1,286,308

29d,806

Proposed dlvTdends

-

3,106,114

14,066,702

14,Od5,7O2

-

3,106,11A

1A,064,7O2

14,O6 ,702

Coplcol gronrs

2,048,42+

2,024,881

1,971,134

Z,0S1,247

1,988,729

2,048,42+

2,024,881

1,97'1,134

Z,0S1,247

1,988,729

TOTAL SHAREHOLDERS' FUNDS

sz,s4o,4o1

+s,za,aas

7s,4z4,+sr

n,sos,1os

é+,Z3,9é9

63,778,861

65,599

7é,089,585

Z1,776,120

4d5J5,420

TOTAL LIABILITIES AND SHAgEHOLDE9S' FUNDS

38g,117,9Z8

37Z,M9,+26

382,305,697

385,205,868

3n,s+z s+

sa4,4ss,a4a

szz,oe+,+1s

aaz,zss,4os

sa4,sryoe+

J70,9*t5?b

OTHER DISCLOSURES

BANK

3300..0099..22O0W25

3300..0066..22002255

31.03.2025

31.12.2024

3300..0099..22002244

KShs '000

KShs '000

KShs '000

KShs '000

KShs '000

Un-audited

Un-audited

Un-audited

Audited

Un-audited

1) NON-PERFORMING LOANS AND ADVANCES

aa}) GGrroassss nnoonn--ppeerrffoorrmmiinngg llooaannss aanndd aaddvvaanncceess

9,131,673

9,588,968

12,212,043

12,018,504

12,143,670

bb)) LLeessss:: IInntteerreesstt iinn ssuussppeennssee

3,533,486

3,648,877

4,252,295

4,456,964

4,408,650

cc)} NNeett nnoonn--ppeerrffoorrmmiinngg llooaannss aanndd aaddvvaanncceess {(oa--bb))

5,598,187

5,940,091

7,959,748

7,561,540

7,735,020

d} Less: Loon loss provisions

4,239,547

4,157,576

5,359,069

5,376,413

5,946,411

ee)} NNoett nnoonn--ppeerrffoorrmm1inngg llooaannss {(cc--dd))

1,358,640

1,782,515

2,600,679

2,185,127

1,788,609

f',i 0eoli@blo value oF securTtTos

1,167,905

1,366,195

2,122,754

1,657,650

1,712,056

g) Net NPLs exposure (e-f)

190,735

416,320

477,925

527,477

76,553

2) INSIDER LOANS AND ADVANCES

oa}) DDiirreeccttoorrss,, sshhaarreehhoollddeerrss oanndd oassssoocciioatteess

92,564

85,776

84,415

48,259

2200,,883322

b) Employees

6,244,165

6,220,710

6,274,339

6,361,555

6,307,068

4TomI Iraider loans, odyonce¥ ond other ocilit1es

6,336,729

6,306,486

6,358,754

6,409,814

6,327,900

3) OFF-BALANCE SHEET ITEMS

aa}) LLeettteerrss ooff ccrreeddiitt,, gguuoarroanntteeeess,, oacccceeppttoanncceess

70,974,773

66,987,134

70,654,383

64,174,487

57,664,445

bb)) FFoowrwraarrdd#s, sswwaappss oanndd ooppttiioonnss

21,255,605

15,713,857

15,763,051

47,892,368

24,427,303

c} Other contingent lTobIlItIes

-

-

-

-

-

92,230,378

82,700,991

86,417,434

112,066,855

82,091,748

4) CAPITAL STRENGTH

a) Core capital

57,299,883

56,225,498

56,324,039

54,088,745

57,570,235

1,000,000

1,000,000

1,000,000

1,000,000

1,000,000

c} Excecs/{defIcTency)

56,299,883

55,225,498

55,324,039

53,088,745

56,570,235

dd}) SSuupppplleemmeenntraorgy ccoappiirtaall

142,001

476,636

179,897

180,416

180,942

e) Total capital (a+d)

57,441,884

56,702,134

56,503,936

54,269,161

57,751,177

278,324,332

228888,,228855,,443355

273,895,583

277,612,779

274,981,179

gJ Core copi6l/fofol deposit Iiob1l1hes

2200..2222%%

1199..3355%%

1199..7755%%

J188..2299%%

2200..2244%%

h) Minimum sQtuQry ratio

8.00%

8.00%

8.00%

8.00%

8.00%

Excess/(deficiency} {g-hg

12.22%

11.35%

11.75%

1100..22999%6

12.24%

jj}) CCoorree ccoappiiftooll//ttoottoall rr1isskk wweeiigghhtteedd oasssseeftss

2200..55999%6

1199..5500%%

T20O.5.R6%%

J199..4488%%

2T0O..994G%%

1100..5500%%

1100..5500%%

1100..5500%%

1100..5500%%

J1O0..55009%6

1100..0099°Z%<

9.00%

1100..0066%%

8.98%

1100..A44A%%

2200..6644%%

1199..6677°%

2200..+633%%

1199..5555%%

21.00%

n)mmmvm maoymwo

14.50%

14.50%

14.50%

14.50%

14.50%

6.14%

5.17%

6.13%

5.05%

6.50%

5) LIQUIDITY

o} Liquidig rof1o

66.57%

64.47%

73.64%

67.59%

65.41%

i2O0..0000%%

2200..0000%%

2200..0000%%

2200..0000%%

Z200..O00O%H

4%6.557V%X

4444..4¥7%%

553l6.6A4%%

44Z7.5599%%

A45R.A41l%%

13,619,O94

8,W3,109

y,sos,z$z

9,4O5,43

6,059,415

1,750,252

5,007,210

3,440,393

84d,220

2Z,829,27O

9,755,403

d,Z31,011

17,318,311

6,677,861

5,053,902

13,619,094

8,713,109

2,803,237

9, 05, 5

6,059,415

1,750,zsy

5,007,210 Z2,829,27O 17,318,311

3,M0,393 9,755, 03 d,d77,861

w,zzo +,z$1,o11 5,053,902

Total interest income

25,135,W0

17,215,101

9,293,8Z3

38,815,684

29,O5O,074

25,135,€40

17,215,101

9,293,823 38,815,684 29,050,074

INTEREST EXPENSES

Customer deposiI:s

2,668,381

1,777,2A3

1,026,039

4,550,504

3,269,R1

2,656,MA

1,770,804

1,024,927 4,52B,OO8 3,252,877

16,W1

104,41d

4B,599

3OO,A39

270,839

1A6,711

Deposits and plocements from banking 1nstitutions

104,416

48,599 300,W9 270,839

Other inFresh expenses

59,858

38,801

12,dS3

721,934

+87,895

59,858

38,801

12,853 721,934 687,d9S

Tozol Interact expenses

¥874,950

1,920,W0

1,087,291

S,S7Z,877

{,Z28,{4$

2,863,183

1,914,021

1,08+,179 5,550,381 4,211,411

NET INTEREST INCOME/{LOSS)

22,260,490

15,294,é41

8,20+,532

33,24Z,807

M,821,+29

22,27Z,257

15,301,080

8,207,6W 33,2+5,803 24,838,663

NON-INTEREST INCOME

Fees and commissions oo loans and odvo nces

194,778

135,324

+3,922

237,VB

181,129

194,778

135,324

d3,922 237,A48 181,129

Other Fees ond commissions

2,880,0+7

1,Sg9,B61

9 6,097

4,607,223

3,839,410

4,Sg7,149

3,212,901

1,598,025 d,ñ25,Sg1 5,308,970

Foreign exchange eroding income/(loss)

2,743,885

1,99l,624

1,031,841

8,266,151

6,d82,47O

2,743,885

1,991,d24

1,031,841 8,2d6,151 's,682,47O

Dividend income

582,501

582,501

-

88d,2d7

d59,094

-

Other {lass)/income

01,€W

1,445,482

d9d,077

Z, 8Z,272

2,058,1 6

2,301,471

1,W5, 62

69+,077 2,A82,272 2,058,1W

Tell non-inWrast income

8,702,702

+,07792

2,Z37,937

1+,479,361

13,€2O,2 9

1O,157,283

é,785,331

3,389,865 17,€11,782 14,Z30,715

TOTALOPE8ATING INCOME

so,se»,1+z

n,ss+,w

1o,sw +

s,zzz,1sa

ss,z 1,eze

»zyzs,s4o

zz,oee, 11

11,ssz,so+ so,ezz,oes

OTNEROPERATING EXNNGES

Loan loss provision

1,7W,3P

1,177,155

412,519

80,728

1,957,620

1,7W,391

1,177,155

412,519 2,380,728 1,957,620

Stole costs

9,024,878

4,354,256

2,156,3 d

8,9M,759

+,8ZZ,285

9,123,702

4,416,945 Z,181,235 9,055,+31 6,908,087

Directors' emoluments

207,479

138,433

68,0d3

377,98d

202,859

208,199

138,433 88,063 3Z7',986 203,519

Renal charges

131,953 58,518 328,085 ms,e21

228,2ZS

131,953

58,518

328,085

Z35,821

228,Z25

Depreciation charge on properg and equipment

325,761

206,999

100, 44

38€,485

2Z3,660

325,761

20d,999 100,W 384,485 273,660

Amorfisofion charges

757,5d8

509,344

256,€9A

1,036,1€1

783,276

757,568

509,344

256,494 1,036,141 783,276

Other operating expenses

6,533,355

4,385,370

1,809,973

8,430,840

5,926,183

+,837,549

4,604,+07

1,880,457 8,905,793 d,237,649

18,8Z,6SZ

10,903,510

4,862,357

21,873,0M

t6,201,7O4

19,Zg5,395

t1,185,W

/957,730 2g ,8€9 t6,599,632

12,t41,M5

1O,465,9Z3

6,082,112

27,8 9,14

zz,oc,1za

1a,zp1+s

to,+oo,szs

+,aas,zzs za,zos,zss

Exceptional irems

12,141,535

10,465,9Z3

é,082,112

27,gg9,144

Z2,0 0,174

13,Z0145

10,900,9Z5

é,639,779 28,208,Z36 2Z, 9,746

(2,928,€25)

{Z,56Z,+1€)

(1,200,213)

{7,302,766)

(6,093,805)

(3,39€,3 3)

{2,830,774)

$,306,V2) {7,Z28,121) (6,A97,670)

7,966

d2,519

(415,460)

(484,847)

{147,812)

(23,281)

17,0Z2

(475,315) (419,528) g2+,o

9,W,O76

7,965,828

', 6é, g9

2O,061,M1

15,798,557

9,786,521

8,087,Z23

8S8,022 20,060,587 15,B46,044

Noir •oiue changes in finonciol ossebs ot FVOCI Revaluation dehcTt on property and equipment

(247,189)

694,230

Z,877,003

1,500,370

(8W,632)

6P4,2ZO 2,877,003 1,500,370

Shore of other comprehensive income of associates

Income tax retaking to compor+ends oforder comprehensive in

261,490

74,158

(208,269)

(863,100)

(450,111)

261,590

74,158

(208,269) (863,100) ( 50,111)

(61O,1€/

(TZ3,OW}

W5,961

2,013,903

1,O5O,259

{é1O,14/

073,O31)

8 ,961 AQ3,903

EARNINGS PEg SHAgE- BASIC & DILUTED{KShs)

a,+1o,w

z,zsz,zsz

ysrz, oo

zz,ozr,w

16,88,816

9,176,379

7,@4,19g

5,W,983 ZZ,O74/9O

z*.o7

zoa+

11.n

sz.es

of.w

zs.s7

z1.Ie

1z.n sz.+s

DIWDEND PEg SHAgE- DECLARED (KSh¥)

8.00

.kg

8.00

8.00

45.00 8.00