The rise in profitability was on the back of a 13.8% rise in the operating income to Ksh. 53.44 Billion. This was due to a 27% rise in the Net Interest Income to Ksh. 32 Billion. While non-interest income fell by 1.8% to Ksh. 21.4 Billion.
On the other hand, total operating expenses rose by 15.4% to Ksh. 32. Billion. This was largely driven by driven by staff costs and technology investments. Loan loss provisions also rose by 24.4% to Ksh. 5.08 Billion.
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.
Subsidiary performance
- The Kenya Bank subsidiary remained the primary driver, contributing 82 per cent to the Group’s PBT.
- Regional subsidiaries contributed Ksh. 2.6 billion, representing 12.5 per cent of Group PBT.
- Non-banking subsidiaries (Investment Bank, Bancassurance, Leasing, and NCBA Insurance) delivered a combined PBT growth of 48 per cent to reach Ksh. 1.2 billion, contributing 5.5 per cent to Group PBT.
| Metric | Q3 2025 Result | Year-on-Year Growth |
| Profit After Tax (PAT) | Ksh. 16.4 Billion | 8.5% Up |
| Profit Before Tax (PBT) | Ksh. 20.5 Billion | 11.1% Up |
| Operating Income | Ksh. 53.4 Billion | 13.8% Up |
| Operating Expenses | Ksh. 27.9 Billion | 14.0% Up |
| Provision for Credit Losses | Ksh. 5.1 Billion | 24.5% Up |
| Digital Loans Disbursed | Ksh. 1 Trillion | 35% Up |
| Customer Deposits | Ksh. 488 Billion | 5.3% Down |
| Total Assets | Ksh. 665 Billion | 2.0% Down |
NCBA’s Group Managing Director, John Gachora, stated: “We are pleased to announce our financial results for the third quarter of 2025, marked by strong growth in profitability and a resilient Non-Performing Loan (NPL) coverage of 68.9 per cent. Our success was driven by prudent cost of funding management and better asset quality. Over the review period, our regional subsidiaries demonstrated improved effectiveness in recovering bad debts, reflecting disciplined execution of remedial actions. Our balance sheet remained solid, though assets and customer deposits saw adjustments due to pricing strategies and softer lending activities across the markets.”