NCBA Q3 2025 results show the lender’s steady rise, after the Group posted a profit after tax of KES 16.4 billion an 8.5 percent jump from the KES 15.1 billion recorded in a similar period last year. The performance highlights strong profitability, improving asset quality and a resilient regional footprint.
Strong NCBA Q3 2025 Results Drive Performance
According to the newly released NCBA Q3 2025 results, profit before tax climbed to KES 20.5 billion, marking an 11.1 percent year-on-year increase. Operating income grew to KES 53.4 billion, while digital loan disbursements surged to KES 1 trillion, reflecting customers’ growing preference for mobile-based credit services.
Despite a dip in customer deposits and total assets, the bank recorded notable improvements in subsidiary performance and non-performing loan recoveries across the region.
Group Managing Director John Gachora said the NCBA Q3 2025 results underscore disciplined cost management and stability in the operating environment.
“Our profitability was driven by prudent funding decisions, better asset quality and stronger execution in recovering bad debts,” Gachora noted. “Regional subsidiaries demonstrated improved effectiveness, while our balance sheet remained solid despite softer lending activities.”
Key highlights from the NCBA Q3 2025 results
- Profit before tax: KES 20.5 billion (11.1% up)
- Profit after tax: KES 16.4 billion (8.5% up)
- Operating income: KES 53.4 billion (13.8% up)
- Operating expenses: KES 27.9 billion (14.0% up)
- Credit loss provisions: KES 5.1 billion (24.5% up)
- Digital loans disbursed: KES 1 trillion (35% up)
- Customer deposits: KES 488 billion (5.3% down)
- Total assets: KES 665 billion (2.0% down)
Customer-Centric Growth Anchors NCBA’s Strategy
NCBA continued focusing on customer needs, including its fifth base lending rate cut of the year to 13.27 percent per annum. Monthly account maintenance fees for Kenya and Rwanda customers also remained waived to cushion them from a tough economic environment.
Retail growth received a boost from new branches now totaling 122 targeted campaigns, diaspora activations in Australia and the Middle East, card loyalty programs and enhanced digital onboarding.
Market Leadership in Asset Finance and Corporate Banking
NCBA strengthened its dominance in asset finance, offering up to 90 percent PSV financing bundled with the Komiut digital fare collection platform.
The bank also partnered with Mobikey, Car & General and CFAO Mobility (Loxea) to support sustainable transport, including financing electric vehicles like the BYD Shark 6 plug-in hybrid pickup.
On the corporate side, NCBA launched its upgraded digital platform, NCBA ConnectPlus, becoming the first East African bank to deploy Intellect’s cloud-based solution. With over 20,000 customers already onboarded in Kenya, regional rollout is underway.
Investing in Youth, Creatives and the Future Economy
To strengthen its role in the creative economy, NCBA partnered with music producer Motif-Di-Don through the Elev8 LIVE platform to support new artists. The initiative lays the groundwork for developing tailored financial products for Kenya’s creative sector, which contributes 5.3 percent to GDP and supports over 300,000 entrepreneurs.
Looking Ahead: Stable Outlook and Continued Discipline
Gachora said the regional operating environment is expected to remain stable with stronger policy management supporting credit growth.
NCBA forecasts Kenya’s economic growth at 5.0 percent in 2025, rising slightly to 5.1 percent in 2026.
“For the remainder of the year, we will maintain disciplined balance sheet management and prudent risk practices to support sustainable long-term growth,” Gachora said.
The Group says it remains well-capitalized and committed to serving customers through its more than 3,900 employees.
