Equity has reported a Ksh. 54.1 billion net profit for the period ending September 30, 2025. This is a 32% rise in profitability from the Ksh. 40.9 billion that was posted in a similar period last year.
The rise in profitability was on the back of a 16% rise in the Net Interest Income to Ksh. 93.5 Billion. While Non-Funded income rose marginally by 3% to Ksh. 62.8 Billion. With Total income hitting Ksh. 156.3 Billion which is a 10% rise.
Customer deposits closed the quarter at KSh 1.35 Tn, up 2% YoY. Asset quality improved, with the Group NPL ratio easing to 12.1% from 13.4% in Q3 2024 and IFRS coverage rising to 71%.
Kenya remained the largest contributor, supported by higher margins and lower funding costs. Rwanda, Uganda, Tanzania, and DRC delivered positive loan growth and stronger returns. South Sudan remained profitable though smaller in scale.
| Subsidiary | Revenue | PBT | YoY PBT Growth | Share of Group PBT |
| Kenya (EBKL) | 80.2 | 35.3 | +50% | 54% |
| DRC (EBCDC) | 47.8 | 17.7 | +18% | 27% |
| Uganda (EBUL) | 11.4 | 3.5 | +46% | 5% |
| Rwanda (EBRL) | 9.6 | 5.5 | +4% | 8% |
| Tanzania (EBTL) | 5.1 | 1.9 | +111% | 3% |
| South Sudan (EBSSL) | 2.2 | 0.1 | -88% | 0% |
The insurance business recorded strong growth in premiums, revenue, and investment income. Profit Before Tax increased on improved underwriting performance and higher returns on invested assets.
Insurance Group Performance (KSh Mn)
| Metric | Q3 2025 | Q3 2024 | YoY |
| Gross Written Premiums | 6,554 | 3,825 | +71% |
| Total Revenue | 2,463 | 1,573 | +57% |
| PBT | 1,460 | 1,070 | +36% |
The success of the Group’s digital-first strategy was evident, with 98% of all transactions conducted outside of branches.
The value of transactions processed through self-service channels like Equity Mobile and USSD reached KSh 2.88 Trillion during the quarter, underscoring a fundamental shift in customer behavior and operational efficiency.
Equity Group CEO, Dr. James Mwangi, said, “The execution of the strategic business plan has started to reflect on the balance sheet and performance of the Group and is likely to significantly and increasingly transform the structure and performance of the Group.”