NCBA reported a stronger third quarter with profit after tax rising 8.5% to KSh 16.4Bn, lifted by firmer margins and tighter cost of funding.
- •The lender’s operating income rose 13.8%, supported by higher net interest income and steady fee generation.
- •Customer deposits fell 5.3% to KSh 488Bn while total assets dropped 2.0% to KSh 665Bn.
- •Gross non-performing loans fell 6.0%, reflecting stronger recoveries across regional units. Coverage stood at 68.9%.
NCBA said profitability strengthened after improvements in asset quality and funding costs with profit before tax reaching KSh 20.5Bn. Total operating expenses rose 14.0%, driven by staff costs and technology investments. Lending stayed soft as markets adjusted to pricing changes with net loans declining 3.5%.
Digital lending remained the Group’s strongest driver with the lender saying disbursements crossed KSh 1Tn, up 35%.The bank also said digital channels supported customer activity and repayment discipline across Kenya, Uganda, Tanzania and Rwanda.
| Metric | Q3 2025 | Q3 2024 | YoY |
|---|---|---|---|
| Net Interest Income | 32.04 Bn | 25.14 Bn | ▲ +27.44% |
| Non-Interest Income | 21.40 Bn | 21.82 Bn | ▼ -1.89% |
| Operating Income | 53.44 Bn | 46.96 Bn | ▲ +13.81% |
| Total Operating Expenses | 32.99 Bn | 28.57 Bn | ▲ +15.47% |
| Loan Loss Provision | 5.08 Bn | 4.08 Bn | ▲ +24.49% |
| Profit Before Tax | 20.46 Bn | 18.39 Bn | ▲ +11.24% |
| Profit After Tax | 16.38 Bn | 15.10 Bn | ▲ +8.46% |
| Total Assets | 665.32 Bn | 678.83 Bn | ▼ -1.99% |
| Total Equity | 120.25 Bn | 99.81 Bn | ▲ +20.48% |
| Customer Deposits | 487.96 Bn | 515.11 Bn | ▼ -5.27% |
| Loans and Advances (Net) | 292.72 Bn | 303.45 Bn | ▼ -3.54% |
| Gross NPLs | 38.68 Bn | 41.15 Bn | ▼ -5.99% |
| EPS | 9.94 | 9.16 | ▲ +8.52% |
Subsidiaries delivered mixed performance:
- •Kenya Bank contributed 82% of Group PBT.
- •Regional units produced KSh 2.6Bn in PBT.
- •Non‑banking units, including the investment bank, insurance and leasing, delivered KSh 1.2Bn in PBT, up 48%.
