31.12.2025 31.12.2024 31.12.2025 31.12.2024
KShs '000 KShs '000 KShs '000 KShs '000
ASSETS | ||||
Cash (both local and foreign) | 3,782,179 | 4,166,406 | 3,782,179 | 4,166,406 |
Balances due from Central Bank of Kenya | 7,788,863 | 28,173,143 | 7,788,863 | 28,173,143 |
Kenya Government and other securities held for dealing purposes | 10,426,958 | 774,509 | 10,426,958 | 774,509 |
Financial assets at fair value through profit and loss | 623,264 | 3,275,741 | 623,264 | 3,275,741 |
Investment Securities: | ||||
a) Amortised cost: i. Kenya Government securities | - | - | - | - |
ii. Other securities | - | - | - | - |
b) Fair value through other comprehensive income (FVOCI) | ||||
i. Kenya Government securities | 94,293,207 | 92,911,506 | 94,293,207 | 92,911,506 |
ii. Other securities | 2,608,618 | 5,091,207 | 2,608,618 | 5,091,207 |
Deposits and balances due from local banking institutions | - | 500,151 | - | 500,151 |
Audited Audited Audited Audited
OTHER DISCLOSURES BANK 31.12.2025 KShs '000Audited
-
NON-PERFORMING LOANS AND ADVANCES
31.12.2024
KShs '000
Audited
Gross non-performing loans and advances
Less: Interest in suspense
- Net non-performing loans and advances (a-b)
Less: Loan loss provisions
- Net non-performing loans (c-d)
Realizable value of securities
- Net NPLs exposure (e-f)
-
INSIDER LOANS AND ADVANCES
Directors, shareholders and associates
Employees
Total insider loans, advances and other facilities
Deposits and balances due from banking institutions abroad
740,884
657,492
740,884
657,492
Tax recoverable
714,383
961,104
846,187
1,080,212
Loans and advances to customers (net)
154,307,039
151,647,379
154,307,039
151,647,379
Balances due from banking institutions in the group
72,496,753
79,428,275
71,345,065
78,564,954
Investments in associates
-
-
-
-
Investments in subsidiary companies
145,243
145,243
-
-
Investments in joint ventures
-
-
-
-
Investment properties
-
-
-
-
Property and equipment
3,408,809
3,471,552
3,408,809
3,471,552
Prepaid lease rentals
-
-
-
-
Intangible assets
5,243,688
5,516,312
5,243,688
5,516,312
Deferred tax asset
2,950,311
2,276,221
2,978,330
2,382,115
Retirement benefit asset
-
-
-
-
Other assets
4,939,192
6,209,627
5,098,465
6,361,410
TOTAL ASSETS
364,469,391
385,205,868
363,491,556
384,574,089
LIABILITIES
Balances due to Central Bank of Kenya
-
-
-
-
Customer deposits
283,451,830
295,690,089
283,451,830
295,690,089
Deposits and balances due to local banking institutions
1,030,663
75,541
1,030,663
75,541
Deposits and balances due to foreign banking institutions
249,702
231,321
249,702
231,321
Other money market deposits
-
-
-
-
Borrowed funds
-
-
-
-
-
OFF-BALANCE SHEET ITEMS
Letters of credit, guarantees, acceptances
Forwards, swaps and options
Other contingent liabilities
- Total contingent liabilities
-
CAPITAL STRENGTH
Core capital
Minimum statutory capital
Excess/(deficiency)
Supplementary capital
- Total capital (a+d)
Total risk weighted assets
Core capital/total deposit liabilities
Minimum statutory ratio
Excess/(deficiency) (g-h)
Core capitol/total risk weighted assets
Minimum statutory ratio
Excess/(deficiency) (j-k)
Total capital/total risk weighted assets
Minimum statutory ratio
Excess/(deficiency) (m-n)
Balances due to banking institutions in the group
5,405,917
9,174,388
4,272,683
8,087,854
Tax payable
-
1,587,139
28,425
1,742,437
Dividends payable
1,042,923
152,560
1,042,923
152,560
Deferred tax liability
-
-
-
-
Retirement benefit liability
-
33,960
-
33,960
Other liabilities
7,048,993
6,757,765
7,095,149
6,784,207
TOTAL LIABILITIES
298,230,028
313,702,763
297,171,375
312,797,969
SHAREHOLDERS' FUNDS
Paid up/assigned capital
2,169,253
2,169,253
2,169,253
2,169,253
Share premium/(discount)
7,792,427
7,792,427
7,792,427
7,792,427
Revaluation reserves
560,682
721,665
560,682
721,665
Retained earnings/(accumulated losses)
44,376,974
43,415,503
44,457,792
43,688,518
Statutory loan loss reserves
-
-
-
-
Other reserves (fair value)
533,841
1,288,308
533,841
1,288,308
Proposed dividends
8,775,254
14,064,702
8,775,254
14,064,702
Capital grants
2,030,932
2,051,247
2,030,932
2,051,247
TOTAL SHAREHOLDERS' FUNDS
66,239,363
71,503,105
66,320,181
71,776,120
TOTAL LIABILITIES AND SHAREHOLDERS' FUNDS
364,469,391
385,205,868
363,491,556
384,574,089
-
LIQUIDITY
Liquidity ratio
Minimum statutory ratio
STATEMENT OF COMPREHENSIVE INCOME
INTEREST INCOME
16,918,160
11,149,076
4,759,847
-
22,829,270
9,755,403
6,231,011
-
16,918,160
11,149,076
4,759,847
-
22,829,270
9,755,403
6,231,011
-
Loans and advances
Government securities
Deposits and placements with banking institutions
Other interest income
Total interest income
32,827,083
38,815,684
32,827,083
38,815,684
INTEREST EXPENSES
4,550,504
300,439
721,934
3,637,487
221,198
76,556
4,528,008
300,439
721,934
Customer deposits
3,654,560
Deposits and placements from banking institutions
221,198
Other interest expenses
76,556
Total interest expenses
3,952,314
5,572,877
3,935,241
5,550,381
NET INTEREST INCOME/(LOSS)
28,874,769
33,242,807
28,891,842
33,265,303
NON-INTEREST INCOME
277,792
3,735,266
3,420,248
1,763,777
3,257,744
237,448
4,607,223
8,266,151
886,267
2,482,272
277,792
6,454,110
3,420,248
-3,257,744
237,448
6,425,911
8,266,151
-2,482,272
Fees and commissions on loans and advances
Other fees and commissions
Foreign exchange trading income/(loss)
Dividend income
Other income/(loss)
Total non-interest income
12,454,827
16,479,361
13,409,894
17,411,782
TOTAL OPERATING INCOME
41,329,596
49,722,168
42,301,736
50,677,085
OTHER OPERATING EXPENSES
1,993,283
11,073,300
277,908
292,048
450,616
1,058,507
9,769,906
2,380,728
8,934,759
377,986
328,085
384,485
1,036,141
8,430,840
1,993,283
11,199,242
278,628
292,048
450,616
1,058,507
10,192,718
2,380,728
9,055,631
377,986
328,085
384,485
1,036,141
8,905,793
Loan loss provision
Staff costs
Directors' emoluments
Rental charges
Depreciation charge on property and equipment
Amortisation charges
Other operating expenses
TotaI other operating expenses
24,915,568
21,873,024
25,465,042
22,468,849
Profit/(loss) before tax and exceptional items
16,414,028
27,849,144
16,836,694
28,208,236
Exceptional items
-
-
-
-
Profit/(loss) after exceptional items
16,414,028
27,849,144
16,836,694
28,208,236
Current tax
(4,158,760)
(7,302,766)
(4,695,748)
(7,728,121)
Deferred tax
373,500
(484,847)
295,625
(419,528)
Profit/(loss) after tax and exceptional items
12,628,768
20,061,531
12,436,571
20,060,587
Other comprehensive income
-(1,001,968)
-
-300,590
-2,877,003
-
-(863,100)
-(1,001,968)
-
-300,590
-2,877,003
-
-(863,100)
Gains/(losses) from translating the financial statements of
foreign operations
Fair value changes in financial assets at FVOCI
Revaluation deficit on property and equipment
Share of other comprehensive income of associates
Income tax relating to components of other comprehensive income
Other comprehensive income for the year net of tax
(701,378)
2,013,903
(701,378)
2,013,903
Total comprehensive income for the year
11,927,390
22,075,434
11,735,193
22,074,490
EARNINGS PER SHARE - BASIC & DILUTED (KShs)
32.98
52.65
32.47
52.65
31.00
45.00
31.00
DIVIDEND PER SHARE - DECLARED (KShs)
45.00
Excess/(deficiency) (a-b)
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sc.com/ke
8,834,664
3,451,713
5,382,951
4,237,484
1,145,467
939,868
205,599
91,650
6,329,695
6,421,345
73,238,862
55,948,958
-
129,187,820
55,050,217
3,000,000
52,050,217
140,171
55,190,388
270,444,760
19.42%
8.00%
11.42%
20.36%
10.50%
9.86%
20.41%
14.50%
5.91%
64.40%
20.00%
44.40%
12,018,504
4,456,964
7,561,540
5,376,413
2,185,127
1,657,650
527,477
48,259
6,361,555
6,409,814
64,174,487
47,892,368
-
112,066,855
54,088,745
1,000,000
53,088,745
180,416
54,269,161
277,612,779
18.29%
8.00%
10.29%
19.48%
10.50%
8.98%
19.55%
14.50%
5.05%
67.59%
20.00%
47.59%