KCB Bank Kenya retained its position as the country’s largest lender, with a 17.3% share of the banking market, ahead of Equity Bank at 11.8% and Co-operative Bank at 9.4%, according to Central Bank of Kenya data.
KCB had the largest net assets, deposits, profit before tax and core capital among Kenyan banks. Its net assets stood at KSh1.50 trillion ($11.6 billion), representing 17.9% of the sector, while deposits reached KSh1.15 trillion, or 18.0% of the market.
The bank reported profit before tax of KSh63.7 billion and core capital of KSh183 billion. Its return on equity was 28.4%.
KCB’s gross loans rose 18.8% to KSh1.01 trillion, making it the only Kenyan bank with a loan book above the KSh1 trillion mark. The growth was almost three times the sector’s 6.8% expansion as the banking industry took a more cautious approach to lending.
KCB’s regional footprint also exceeds that of other Kenyan banks, with 239 branches in Tanzania, Uganda, Rwanda, Burundi, South Sudan and Democratic Republic of Congo, compared with 186 for Equity.
CBK said growth in regional bank branch networks in 2025 was partly driven by new KCB branches in Tanzania and Uganda.
Trust Merchant Bank, KCB’s subsidiary in the Democratic Republic of Congo, held KSh244.4 billion in deposits, accounting for 13.4% of deposits held by Kenyan-bank subsidiaries across the region. KCB Bank Tanzania also contributed to growth in the group’s regional profits.
KCB has nearly 4,000 employees across its regional operations.
The bank had 22,413 agents in Kenya, the country’s second-largest bank agency network, according to CBK. It had 12.4 million deposit accounts, equivalent to 15.3% of the market, and 1.33 million loan accounts.
Agency banking networks across Kenya grew 24% in 2025, strengthening their role in extending financial services beyond traditional bank branches.
KCB’s capital buffers were also above regulatory requirements. Its total capital-to-risk-weighted-assets ratio was 22.3%, against a regulatory minimum of 14.5%, while its core capital ratio was 17.0%, compared with a minimum of 10.5%.
The figures underline KCB’s position as Kenya’s largest bank by market share, assets, deposits and loan book, while its regional operations give it one of the largest banking footprints among East African financial groups.
