Kingdom Bank has recorded strong financial performance for the year ended 31^st December 2025, delivering solid growth across key balance sheet and income lines, underpinned by its focus on scalable growth and customer centric solutions.

Financial Performance Highlights

• Profit after tax grew by 59% to Kes.946.2 million in 2025 from Kes.596.4 million in 2024, while profit before tax increased by 5% to Kes.1.13 billion from Kes.1.07 billion.
• Total operating income rose by 35% to Kes.3.70 billion in 2025 from Kes.2.75 billion in 2024, supported by growth in both interest and non-interest income streams.
• Net interest income increased by 28% to Kes.2.70 billion from Kes.2.10 billion, while non-interest income grew by 55% to Kes.998.6 million from Kes.645.0 million, reflecting improved diversification of revenue.
• Total operating expenses increased by 53% to Kes.2.58 billion in 2025 from Kes.1.68 billion in 2024, primarily driven by investments in branch expansion and operational capacitation.

Financial Position

Kingdom Bank’s balance sheet expanded significantly in 2025:

• Total assets grew by 24% to Kes.51.17 billion in 2025 from Kes.41.14 billion in 2024
• Net loans and advances increased by 58% to Kes.22.19 billion in 2025 from Kes.14.01 billion in 2024
• Customer deposits rose by 39% to Kes.29.74 billion in 2025 from Kes.21.46 billion in 2024.

Branch Expansion

The Bank continued to expand its physical footprint, opening three new branches in 2025 in Bungoma, Kariobangi and Tom Mboya and an additional branch in Embu in January 2026, bringing the total branch network to 27 branches.

Corporate Social Responsibility

Kingdom Bank sustained its commitment to community impact by:

• Launching its inaugural secondary school scholarship programme, supporting 40 students in 2025
• Planting 32,700 trees in 2025, bringing the cumulative total to 69,500 trees since 2023

Looking Ahead

The Bank remains optimistic about its growth trajectory and strategic priorities for the coming year through:

• Continuous branch network expansion
• Upgrade of the Core Banking System to enhance efficiency and customer experience

Conclusion

The 2025 full year financial results demonstrate Kingdom Bank’s strong growth trajectory, driven by its focus on flexibility, convenience and affordability. The Bank remains focused on delivering sustainable value to its customers, shareholders and stakeholders while strengthening its position in the Kenyan banking sector.