NCBA Group has reported a net profit of KSh 23.4 billion for the financial year ending December 2025, marking a 7 percent increase from the previous year’s performance. The lender attributed the growth to stronger digital lending, higher operating income, and improved regional operations across its markets.The Nairobi-based financial institution also announced a 30 percent increase in dividend payout, reflecting confidence in its financial stability and long-term growth strategy. Shareholders are expected to receive KSh 11.7 billion in dividends, signaling the bank’s commitment to delivering value to investors despite a challenging economic environment.
According to the bank’s full-year financial results, operating income rose significantly to KSh 73.3 billion, supported by increased customer activity in retail banking, corporate banking, and mobile lending services. Operating expenses also increased during the period as the lender continued investing heavily in technology, regional expansion, and customer experience enhancements.Digital lending remained one of the biggest contributors to the group’s growth throughout the year. NCBA continued strengthening its position in mobile banking through partnerships with telecom operators and fintech platforms, enabling millions of customers to access credit solutions more conveniently. The bank recorded increased uptake of digital loans as consumers and businesses sought faster and more accessible financing options.
Group Managing Director John Gachora said the strong results demonstrate the resilience of the bank’s diversified business model despite economic pressures such as inflation, currency fluctuations, and tighter credit conditions in some sectors. He noted that the lender remains focused on sustainable growth, innovation, and expanding its regional footprint.NCBA also unveiled a new five-year strategic plan aimed at accelerating growth in digital banking, SME financing, asset finance, and regional operations. The strategy is expected to strengthen the group’s competitiveness within the rapidly evolving banking industry while enhancing customer-focused financial solutions.
The bank has continued to position itself among Kenya’s leading financial institutions alongside KCB Group, Equity Group Holdings, and Absa Bank Kenya. Analysts believe its continued investment in digital transformation and regional diversification will support future earnings growth even as the sector faces changing market dynamics.The lender’s latest performance highlights the growing role of technology-driven banking services in Kenya’s financial sector. With more customers shifting toward digital transactions and mobile lending platforms, banks are increasingly relying on innovation to expand their customer base, improve efficiency, and drive profitability.NCBA’s strong 2025 performance further reinforces investor confidence in the banking sector, with the group expected to maintain positive growth momentum through continued expansion, product innovation, and improved operational efficiency.
