Family Bank Group has reported a 55.4 per cent jump in profit after tax to KES 5.4 billion for the financial year ended December 2025, up from KES 3.5 billion the previous year, as the lender’s balance sheet crossed the KES 200 billion threshold for the first time.
Profit before tax rose 61.6 per cent to KES 6.3 billion, driven by strong growth in interest-earning assets and improved income generation across both core and non-funded business lines.
Total assets expanded 23.8 per cent to KES 208.7 billion, underpinned by a 20 per cent rise in customer deposits and a 46 per cent growth in shareholders’ funds. During the year, the bank raised KES 8 billion in fresh equity capital through a private placement that was oversubscribed by 131 per cent, reinforcing its capital base ahead of an accelerated growth phase.
Net loans and advances grew 14 per cent to KES 105.9 billion, with increased lending to micro, small, and medium enterprises (MSMEs) accounting for much of the uptick. Investment in government securities surged 45 per cent to KES 74 billion, reflecting the bank’s strategy to deploy excess liquidity into higher-yielding assets.
The expansion in interest-earning assets fed directly into earnings growth. Net interest income climbed 46 per cent to KES 15.6 billion, while non-interest income rose 5 per cent to KES 4.6 billion, providing a diversified revenue base.
The bank’s liquidity ratio stood at 60.9 per cent, comfortably above the statutory minimum, and all capital adequacy ratios remained well within regulatory requirements.
Family Bank Chief Executive Officer Nancy Njau said the results mark the beginning of a new strategic chapter for the institution.
“The year 2025 marked a pivotal start of our five-year strategic plan which is anchored on compelling customer propositions and digital transformation. We continued to invest in digital capabilities and optimisation of our distribution network to enhance customer experience and improve our product offering, positioning the Bank for sustainable growth,” she said.
Njau attributed part of the performance to the bank’s partnerships with Development Finance Institutions, which she said bolstered lending capacity to key sectors including SMEs, agribusiness, and manufacturing.
“Our continued investments in our employees through capacity building and an enabling work environment greatly contributed to the good performance,” she added.
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