Equity Group Holdings Plc has posted a strong financial performance for the third quarter of 2025, reporting a 32% rise in Profit After Tax to Kshs 54.1 billion, up from Kshs 40.9 billion in the same period last year.
The Group attributes this growth to its ongoing strategic transformation, which continues to diversify revenue streams, enhance cost efficiency, and strengthen regional operations across East and Central Africa.
Equity Group Managing Director and CEO, Dr. James Mwangi, noted that the results reflect the maturity of the Group’s tri-engine business model and its continued commitment to inclusive economic growth.
“Our Q3 2025 performance reflects the strength of our diversified tri-engine business model, operational efficiency, and continued commitment to transforming lives,” he said.
“By empowering MSMEs, leveraging digital platforms, and aligning with Africa’s socio-economic and sustainability priorities, we continue to drive inclusive growth and create shared prosperity. We are particularly proud of our regional subsidiaries, which have demonstrated resilience and contributed significantly to our overall performance.”
In Kenya, the banking business demonstrated a strong resurgence, with Profit After Tax rising by 51% to Kshs 31.1 billion. This performance was supported by a 27% increase in net interest income and a significant 34% drop in interest expenses, contributing to stronger margins.
The Group’s internal transformation also led to improved efficiency, with the cost-to-income ratio reducing to 50.6% from 55.1%. Regional subsidiaries continued to play a critical role in the Group’s growth, now contributing close to half of the banking business’s revenue and profit.
The Democratic Republic of Congo recorded a 21% increase in Profit After Tax to Kshs 13.8 billion, Uganda registered a 61% increase to Kshs 2.9 billion, and Rwanda reported a 34% expansion in its loan book, highlighting the strength of the Group’s regional footprint.
A major driver of the Group’s performance has been its accelerated digital transformation. More than 98% of customer transactions now take place outside the branch network, with 87.4% occurring on digital channels. This migration to self-service has enabled faster, seamless, and more accessible banking experiences while lowering operational costs. The Group’s investment in technology has also supported the expansion of its insurance business, where Equity Insurance Group recorded a 36% growth in Profit before Tax to Kshs 1.46 billion, alongside a 71% increase in gross written premiums.
Equity Group remains focused on its 2030 strategic plan, anchored in the Africa Recovery and Resilience Plan. The Group aims to expand its presence to 15 countries and serve 100 million customers by leveraging scalable digital infrastructure and emerging technologies such as Generative AI and machine learning. Dr. Mwangi emphasized that while the institution is evolving into a one-stop digital financial services platform, its core mission remains unchanged: supporting micro, small, and medium enterprises.
He noted that Equity is recognized as the home of 45% of all SME loans disbursed this year, reaffirming its longstanding commitment to powering enterprise-led growth.
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