KCB Group PLC (NASE:KCB)

KCB Group Income Statement

Financials in millions KES. Fiscal year is January - December.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	227,181	225,807	181,653	132,003	114,826	96,261
Interest Income on Investments	1,705	-	-	-	-	-
Total Interest Income	228,886	225,807	181,653	132,003	114,826	96,261
Interest Paid on Deposits	71,291	76,056	60,841	31,098	24,463	21,209
Interest Paid on Borrowings	35.81	-	-	-	-	-
Total Interest Expense	71,326	76,056	60,841	31,098	24,463	21,209
Net Interest Income	157,559	149,751	120,812	100,905	90,363	75,052
Net Interest Income Growth (YoY)	15.40%	23.95%	19.73%	11.67%	20.40%	23.12%
Gain (Loss) on Sale of Assets	79	79	35	-7	20	-32
Gain (Loss) on Sale of Investments	1,456	1,456	-472	-1,531	1,058	1,561
Other Non-Interest Income	49,319	53,079	38,498	27,314	17,477	18,877
Total Non-Interest Income	50,854	54,614	38,061	25,776	18,555	20,406
Non-Interest Income Growth (YoY)	15.85%	43.49%	47.66%	38.92%	-9.07%	-10.80%
Revenues Before Loan Losses	208,414	204,365	158,873	126,681	108,918	95,458
Provision for Loan Losses	29,965	29,694	27,415	10,300	13,998	27,509
Revenue	178,449	174,671	131,458	116,381	94,920	67,949
Revenue Growth (YoY)	18.18%	32.87%	12.96%	22.61%	39.69%	-9.34%
Salaries and Employee Benefits	41,808	40,255	38,469	30,422	25,070	20,511
Occupancy Expenses	9,568	9,747	9,329	6,615	6,028	5,919
Selling, General & Administrative	3,385	3,403	2,876	2,594	1,957	1,743
Other Non-Interest Expense	37,098	37,206	32,475	19,735	14,995	14,187
Total Non-Interest Expense	93,755	92,698	83,005	59,321	48,010	42,360
EBT Excluding Unusual Items	84,693	81,973	48,453	57,060	46,910	25,589
Other Unusual Items	-	-	-	271	905	130
Pretax Income	84,693	81,973	48,453	57,331	47,815	25,719
Income Tax Expense	20,514	20,198	10,991	16,494	13,642	6,115
Earnings From Continuing Operations	64,179	61,775	37,462	40,837	34,173	19,604
Minority Interest in Earnings	-1,741	-1,685	-1,286	-224	-81	-
Net Income	62,438	60,090	36,176	40,613	34,092	19,604
Net Income to Common	62,438	60,090	36,176	40,613	34,092	19,604
Net Income Growth	25.54%	66.11%	-10.93%	19.13%	73.90%	-22.10%
Basic Shares Outstanding	3,213	3,213	3,213	3,213	3,213	3,213
Diluted Shares Outstanding	3,213	3,213	3,213	3,213	3,213	3,213
Shares Change (YoY)	-0.01%	-	-	-	-	-
EPS (Basic)	19.43	18.70	11.26	12.64	10.61	6.10
EPS (Diluted)	19.43	18.70	11.26	12.64	10.61	6.10
EPS Growth	25.54%	66.09%	-10.93%	19.13%	73.93%	-22.10%
Dividend Per Share	5.500	3.000	-	2.000	3.000	1.000
Dividend Growth	-	-	-	-33.33%	200.00%	-71.43%
Effective Tax Rate	24.22%	24.64%	22.68%	28.77%	28.53%	23.78%

Updated Mar 13, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.