Co-op Bank Posts KSh 30 Billion Profit in Q3 2025, Signals Strong Growth

Co-op Bank posted a KSh 30 billion profit for Q3 2025, representing steady growth and an excellent performance in its operations.

The bank’s profit before tax increased to KSh 30 billion from KSh 26.8 billion during Q3 2024, representing a 12.1% increase. After-tax profit improved 12.3% to KSh 21.6 billion, from KSh 19.2 billion last year.

These impressive results reflect the success of the bank’s “Soaring Eagle” Transformation Agenda, which has a core theme of sustainable growth, resiliency, and agility.

Interim Dividend Declared

Co-op Bank has declared an interim dividend of KSh 1.00 per share for the nine months to September 2025, a sign of the management’s confidence in the continued good performance of the bank.

Key Highlights: Q3 2025 Performance

Return on Equity: The shareholder value stays strong, at 19.4% for the return on equity.

Total Assets: Increased 8.6% to KSh 815.3 billion.

Deposits from customers rose 6.7% to KSh 548.6 billion, while net loans and advances expanded 6.6% to KSh 406.5 billion.

Shareholders’ Funds: Rose 24.5% to KSh 164.2 billion, bolstered by KSh 12.5 billion in retained earnings.

Operating income increased 13.9% to KSh 67.4 billion, supported by a net interest income increase of 22.8%.

Operating Expenses: Increased 15.4%, with the Cost-to-Income Ratio improving to 45.1% from 59% in 2014.

Digital Growth and Customer Inclusion

The bank is expanding its digital services for improvement in customer experience.

Introduced a new Trade and Treasury System to speed up the trade services and reinforce risk management.

Revamped the mobile platform, now called Co-op Bank App, which allows for digital onboarding and facilitated easier banking.

Introduced a multi-currency prepaid card, which helps make trade and international travel more convenient.

Over 90% of transactions are now done through digital and alternative channels, facilitated by ATMs, CDMs, and more than 16,000 Co-op Kwa Jirani agents.

E-Credit mobile loans disbursed KSh 54.2 billion year-to-date, including KSh 8.2 billion to MSMEs.

Expanding the Branch Network and Workforce

Co-op Bank has expanded its physical presence to 217 branches, adding 15 new branches, and added executive banking centres in Nairobi and Mombasa.

Subsidiaries such as Kingdom Bank and Co-op Bank South Sudan have also expanded, creating 426 new jobs and increasing the staff strength to 5,826.

Strong performance across subsidiaries

Co-op Trust Investment Services Ltd: Funds Under Management stood at KSh 496.4 billion, while profit before tax stood at KSh 624 million, representing a 145% increase.

Co-op Bancassurance Intermediary Ltd: Profit before tax now KSh 1.15 billion.

Kingdom Bank Ltd: Posted a profit before tax of KSh 820.2 million.

Co-op Bank South Sudan: restated profit of KSh 93.5 million after adjusting for hyperinflation.

Community Impact and ESG Leadership

Co-op Bank continues to lead in matters of sustainability and social impact:

Named Most Sustainable Bank in Kenya during the 2024 Kenya Bankers’ Sustainable Finance Catalyst Awards.

Supported education for over 11,820 students through the Co-operative Bank Foundation.

Carried out 3,852 consultancy projects to enhance efficiency in the co-operative movement.

Recognition and Awards

Winner of Product Innovation of the Year – Africa at the Global SME Finance Awards 2025.

Recognized for excellence in digital, sustainable, and inclusive SME banking.

Conclusion The KSh 30 billion profit for Q3 2025 shows Co-op Bank’s strong commitment toward growth and digital innovation for community integration.

Backed by over 9.4 million customers with deep roots in Africa’s largest co-operative movement, the bank remains poised to continue rendering excellent service and financial stability throughout the region.

Read Also: Co-operative Bank Half-Year Profit Climbs to KSh 14.1 Billion