Standard Chartered Bank Kenya LtdNSEKE: SCBK

Abridged Financials FY 2025

· Issued by Standard Chartered Bank Kenya Ltd
Standard Chartered Bank Kenya Limited The Board of Directors of Standard Chartered Bank Kenya Limited is pleased to announce the audited results of the Group for the year ended 31 December 2025 SUMMARY CONSOLIDATED INCOME STATEMENT FOR THE YEAR ENDED 31 DECEMBER 2025

Net interest income Non funded income Operating income Operating expenses

Operating profit before impairment losses and tax Impairment losses on financial instruments and intangible assets Profit before tax

Income tax expense

Profit for the year

Basic and diluted earnings per ordinary share Dividend per share

SUMMARY CONSOLIDATED STATEMENT OF OTHER COMPREHENSIVE INCOME FOR THE YEAR ENDED 31 DECEMBER 2025

Profit for the year Items that will not be classified to profit or loss Items that may be reclassified subsequently to profit or loss Total comprehensive income for the year

SUMMARY CONSOLIDATED STATEMENT OF FINANCIAL POSITION AT 31 DECEMBER 2025 ASSETS

Cash and balances with Central Bank of Kenya Loans and advances to banks

Loans and advances to customers at amortised cost Loans and advances to customers at FVTPL Government securities held at FVOCI Government and other securities held at FVPTL

Due from group companies and other related parties Property, equipment and right-of-use assets Goodwill and intangible assets

Other assets

TOTAL ASSETS LIABILITIES

Deposits from banks Deposits from customers

Due to group companies and other related parties Other liabilities

TOTAL LIABILITIES SHAREHOLDERS' EQUITY

Share capital and share premium Other reserves

Retained earnings Proposed dividends

TOTAL SHAREHOLDERS' EQUITY TOTAL LIABILITIES AND SHAREHOLDERS' EQUITY SUMMARY CONSOLIDATED STATEMENT OF CASH FLOWS FOR THE YEAR ENDED 31 DECEMBER 2025 Net cash used in operating activities Net cash used in investing activities Net cash used in financing activities Decrease in cash and cash equivalents Cash and cash equivalents at 1 January Cash and cash equivalents at 31 December CONSOLIDATED SUMMARISED STATEMENT OF CHANGES IN EQUITY FOR THE YEAR ENDED 31 DECEMBER 2025

At 1 January 2024 Profit for the year

Other comprehensive income/(loss) Dividends paid

Proposed dividends Other movements

At 31 December 2024

Profit for the year

Other comprehensive (loss)/ income Dividends paid

Proposed dividends Other movements

At 31 December 2025 SUMMARY OF DIRECTORS' REMUNERATION REPORT

2025

KShs '000

2024

KShs '000

28,891,842

12,994,940

33,265,303

17,001,875

41,886,782

(23,270,203)

50,267,178

(19,994,088)

18,616,579

(1,779,885)

30,273,090

(2,064,854)

16,836,694

(4,400,123)

28,208,236

(8,147,649)

12,436,571

20,060,587

REPORT OF THE INDEPENDENT AUDITOR TO THE SHAREHOLDERS OF STANDARD CHARTERED BANK KENYA LIMITED

REPORT ON THE SUMMARY CONSOLIDATED FINANCIAL STATEMENTS

Opinion

The summary consolidated financial statements of Standard Chartered Bank Kenya Limited ("the Company" or "Bank") and its subsidiaries (together as, the ''Group''), which comprise the summary consolidated statement of financial position as at 31 December 2025, and the summary consolidated income statement, summary consolidated statement of other comprehensive income, summary consolidated statement of changes in equity and summary consolidated statement of cash flows for the year then ended, are derived from the audited consolidated financial statements of the Group for the year ended 31 December 2025.

In our opinion, the accompanying summary consolidated financial statements are consistent, in all material respects, with the audited consolidated financial statements as at and for the year ended 31 December 2025, in accordance with the basis described in the Directors' Commentary accompanying the summary consolidated financial statements and in accordance with the requirements of Kenyan Companies Act, 2015.

Summary consolidated financial statements The summary consolidated financial statements do not contain all the disclosures required by the IFRS Accounting Standards as issued by the International Accounting Standards Board and the Kenyan Companies Act, 2015. Reading the summary consolidated financial statements and the auditor's report thereon, therefore, is not a substitute for reading the audited consolidated financial statements, and the auditor's report thereon. The summary consolidated financial statements and the audited consolidated financial statements do not reflect the effects of events that occurred subsequent to the date of our report on the audited consolidated financial statements. The audited consolidated financial statements and our report thereon

We expressed an unmodified audit opinion on the audited consolidated financial statements in our report dated 18 March 2026. That report also includes the communication of key audit matters. Key audit matters are those matters that, in our professional judgement, were of most significance in our audit of the Group's financial statements of the current period.

Directors' responsibility for the summary consolidated financial statements The directors are responsible for the preparation of the summary consolidated financial statements in accordance with the basis described in the Directors' Commentary accompanying the summary consolidated financial statements and in the manner required by the Kenyan Companies Act, 2015. Auditor's responsibility

Our responsibility is to express an opinion on whether the summary consolidated financial statements, are consistent, in all material respects, with the audited consolidated financial statements based on our procedures, which were conducted in accordance with International Standards on Auditing (ISA) 810 (Revised), Engagements to Report on Summary Financial Statements.

REPORT ON OTHER LEGAL REQUIREMENTS

The summary directors' remuneration report is derived from the directors' remuneration report for the year ended 31 December 2025. The summary directors' remuneration report does not contain all disclosures required by Kenyan Companies Act, 2015, (General) (Amendment) (No.2) Regulations 2017. Reading the summary directors' remuneration report and the auditor's report thereon, therefore, is not a substitute for reading the directors' remuneration report. We expressed an unmodified audit opinion on the auditable part of the directors' remuneration report which was prepared in accordance with the Kenyan Companies Act, 2015.

In our opinion, the summary directors' remuneration report is consistent, in all material respects, with the directors' remuneration report for the year ended 31 December 2025, in accordance with the Kenyan Companies Act, 2015.

The engagement partner responsible for the audit resulting in the independent auditor's report is CPA Tom Nyakoe Practising Certificate Number 2283.

For and on behalf of Ernst & Young LLP Certified Public Accountants P.O. Box 44286-00100 Nairobi, Kenya Date: 30 April 2026 Directors' Commentary These summary consolidated financial statements and summary directors' remuneration report are extracts from the audited consolidated financial statements and directors' remuneration report for the year ended 31 December 2025 and have been prepared in accordance with the criteria developed by the Bank's directors which is based on common practice in the banking industry. The criteria entail presenting account balances or subtotals as extracted from the audited consolidated financial statements or condensing some of the line items in the audited consolidated financial statements as indicated in the captions used in the summary financial statements and the explanatory footnotes.

A full copy of the consolidated financial statements including explanatory notes is available from our websitewww.sc.com/ke/investor-relations.

They were approved by the Board of Directors on 18 March 2026.

Kellen Kariuki

Chairperson

Birju Sanghrajka

Managing Director and Chief Executive Officer

Standard Chartered Bank Kenya Limited is regulated by the Central Bank of Kenya.

The Directors' remuneration for services rendered for the year ended 31 December 2025 was KShs 367 million (2024: KShs 378 million).

52.65

45.00

32.47

31.00

2024

2025

2025

KShs '000

2024

KShs '000

12,436,571

20,060,587

53,089

(27,858)

(754,467)

2,041,761

11,735,193

22,074,490

2025

KShs '000

2024

KShs '000

11,571,042

32,339,549

740,884

1,157,643

148,607,362

151,647,379

5,699,677

-

96,901,825

98,002,713

10,485,170

818,815

71,345,065

78,564,954

3,408,809

3,471,552

5,243,688

5,516,312

9,488,034

13,055,172

363,491,556

384,574,089

1,280,365

306,862

283,451,830

295,690,089

4,272,683

8,087,854

8,166,497

8,713,164

297,171,375

312,797,969

9,961,680

9,961,680

3,125,455

4,061,220

44,457,792

43,688,518

8,775,254

14,064,702

66,320,181

71,776,120

363,491,556

384,574,089

2025

KShs '000

2024

KShs '000

(18,553,309)

(24,125,069)

(905,497)

(2,434,444)

(17,522,232)

(12,159,974)

(36,981,038)

(38,719,487)

72,658,953

111,378,440

35,677,915

72,658,953

Summary of Key Audit Matters The key audit matters identified by the auditor were: i.Expected credit losses on loans and advances to customers. ii.Provisions and contingent liabilities in respect of claims and litigations.

Share capital and share premium

KShs '000

Other reserves

KShs '000

Retained earnings

KShs '000

Proposed dividends

KShs '000

Total KShs '000

9,961,680

1,976,684

40,818,649

8,775,254

61,532,267

-

-

20,060,587

-

20,060,587

-

2,041,761

(27,858)

-

2,013,903

-

-

(3,106,575)

(8,775,254)

(11,881,829)

-

-

(14,064,702)

14,064,702

-

-

42,775

8,417

-

51,192

9,961,680

4,061,220

43,688,518

14,064,702

71,776,120

-

-

12,436,571

-

12,436,571

-

(754,467)

53,089

-

(701,378)

-

-

(3,106,115)

(14,064,702)

(17,170,817)

-

-

(8,775,254)

8,775,254

-

-

(181,298)

160,983

-

(20,315)

9,961,680

3,125,455

44,457,792

8,775,254

66,320,181



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