Family Bank has reported a profit after tax of KSh 3.597 billion for the nine-month period ended 30 September 2025, an increase of 55.7% from the same period last year.
- •The performance reflects stronger lending income, improved funding momentum and a larger balance sheet position across the quarter.
- •Core business income rose 43% to KSh 10.95 billion, supported by higher interest income on loans and advances and, government securities as the cost of funds eased.
- •Operating income reached KSh 14.74 billion, with non-funded revenue also growing 14% YoY to 3.8Bn across the period.
Total operating expenses increased 33% to KSh 10.24 billion in line with expanded business activity and higher loan loss provisioning levels.
| Metric | Sep-2024 | Sep-2025 | YoY % |
|---|---|---|---|
| Net Interest Income | 7.655 Bn | 10.95 Bn | ▲ +43.0% |
| Non-Interest Income | 3.312 Bn | 3.789 Bn | ▲ +14.4% |
| Operating Income | 10.97 Bn | 14.74 Bn | ▲ +34.4% |
| Total Operating Expenses | 7.703 Bn | 10.24 Bn | ▲ +33.0% |
| Loan Loss Provision | 587.5 Mn | 1.361 Bn | ▲ +131.6% |
| Profit Before Tax (PBT) | 3.264 Bn | 4.495 Bn | ▲ +37.7% |
| Profit After Tax (PAT) | 2.309 Bn | 3.597 Bn | ▲ +55.7% |
| Earnings per Share (EPS) | 1.770 | 2.490 | ▲ +40.7% |
| Total Assets | 163.2 Bn | 202.6 Bn | ▲ +24.1% |
| Total Equity | 19.10 Bn | 28.27 Bn | ▲ +48.1% |
| Customer Deposits | 127.3 Bn | 146.8 Bn | ▲ +15.3% |
| Loans & Advances (Net) | 94.21 Bn | 103.7 Bn | ▲ +10.1% |
| Gross NPLs | 14.30 Bn | 15.60 Bn | ▲ +9.09% |
| Core Capital | 14.80 Bn | 19.81 Bn | ▲ +33.8% |
The bank’s total assets grew 24% to KSh 202.6 billion, supported by growth in customer deposits to KSh 146.8 billion. Net loans rose 10% to KSh 103.7 billion as credit demand remained firm. The lender also increased its governments securities holding by just over 39% YoY to KSh 39Bn.
Capital ratios improved during the period. Core capital increased to KSh 19.81 billion, reflecting a KSh 5 billion uplift from the previous year. Shareholder equity rose 48% to KSh 28.27 billion on stronger retained earnings and the expanding asset base. Gross non-performing loans stood at KSh 15.60 billion.
The results come as the lender prepares for its planned listing by introduction on the Nairobi Securities Exchange in 2026, a move approved by shareholders at an extraordinary general meeting.
