Commercial banks
CBK Bank Supervision Annual Report 2025, p. 117By CBK's peer group, largest first by total assets. The bad-loan ratio is worked out by code: gross non-performing loans divided by gross loans, both as CBK publishes them.
large (7)
| Name | Total assets | Profit before tax | Return on equity | Bad loans (gross NPL ÷ gross loans) | Core capital to risk-weighted assets |
|---|---|---|---|---|---|
| KCB Bank Kenya | KES 1,497.7 bn | KES 63.7 bn | 28.40% | 19.0% | 17.00% |
| Equity Bank Kenya | KES 1,040.6 bn | KES 44.0 bn | 32.30% | 18.3% | 14.40% |
| Co-operative Bank of Kenya | KES 759.4 bn | KES 36.1 bn | 23.90% | 15.7% | 19.80% |
| NCBA Bank Kenya | KES 616.8 bn | KES 23.0 bn | 21.70% | 11.4% | 20.60% |
| ABSA Bank Kenya | KES 536.7 bn | KES 29.9 bn | 32.00% | 11.5% | 18.30% |
| I&M Bank | KES 459.7 bn | KES 17.4 bn | 22.00% | 12.2% | 14.50% |
| Standard Chartered Bank Kenya | KES 364.5 bn | KES 16.4 bn | 24.80% | 5.5% | 20.40% |
medium (12)
| Name | Total assets | Profit before tax | Return on equity | Bad loans (gross NPL ÷ gross loans) | Core capital to risk-weighted assets |
|---|---|---|---|---|---|
| Stanbic Bank Kenya | KES 531.6 bn | KES 18.6 bn | 26.50% | 8.0% | 14.00% |
| Diamond Trust Bank Kenya | KES 449.2 bn | KES 8.6 bn | 10.40% | 14.7% | 15.50% |
| Prime Bank | KES 273.9 bn | KES 5.0 bn | 5.00% | 9.2% | 33.60% |
| Family Bank | KES 208.6 bn | KES 6.4 bn | 19.90% | 14.8% | 16.90% |
| Bank of Baroda (Kenya) | KES 204.3 bn | KES 8.1 bn | 20.50% | 12.0% | 31.10% |
| Citibank N.A Kenya | KES 169.5 bn | KES 10.6 bn | 31.70% | 5.0% | 25.80% |
| National Bank of Kenya | KES 141.2 bn | KES 2.7 bn | 16.20% | 25.4% | 13.70% |
| Bank of India | KES 104.4 bn | KES 6.0 bn | 17.50% | 11.3% | 91.60% |
| Ecobank Kenya | KES 94.4 bn | KES 714 m | 7.30% | 14.5% | 18.60% |
| HFCB | KES 79.5 bn | KES 1.2 bn | 7.30% | 21.9% | 21.80% |
| Bank of Africa Kenya | KES 51.2 bn | KES 441 m | 6.70% | 20.6% | 12.40% |
| Guaranty Trust Bank (K) | KES 32.2 bn | KES 573 m | 5.00% | 27.5% | 53.40% |
small (19)
| Name | Total assets | Profit before tax | Return on equity | Bad loans (gross NPL ÷ gross loans) | Core capital to risk-weighted assets |
|---|---|---|---|---|---|
| SBM Bank Kenya | KES 105.7 bn | KES 597 m | 5.70% | 21.4% | 13.80% |
| Sidian Bank | KES 90.6 bn | KES 2.1 bn | 22.10% | 25.6% | 15.40% |
| Victoria Commercial Bank | KES 70.7 bn | KES 759 m | 8.10% | 14.9% | 13.30% |
| Kingdom Bank | KES 51.4 bn | KES 1.1 bn | 20.90% | 14.4% | 17.20% |
| Gulf African Bank | KES 51.1 bn | KES 1.9 bn | 20.30% | 14.3% | 21.60% |
| African Banking Corporation | KES 50.0 bn | KES -1.3 bn | -39.50% | 58.8% | 8.80% |
| Habib Bank A.G Zurich | KES 40.9 bn | KES 932 m | 22.70% | 7.0% | 36.40% |
| Premier Bank Kenya | KES 31.2 bn | KES -261 m | -4.70% | 53.9% | 12.20% |
| Credit Bank | KES 29.3 bn | KES -1.8 bn | -61.60% | 67.3% | 5.50% |
| Development Bank of Kenya | KES 25.5 bn | KES 142 m | 3.60% | 19.5% | 13.40% |
| Commercial International Bank (CIB) Kenya | KES 24.3 bn | KES 1.7 bn | 27.60% | 12.2% | 27.70% |
| Middle East Bank (K) | KES 23.6 bn | KES 320 m | 8.20% | 31.7% | 24.60% |
| UBA Kenya Bank | KES 21.8 bn | KES 427 m | 22.10% | 0.1% | 15.70% |
| Consolidated Bank of Kenya | KES 19.5 bn | KES 198 m | 26.20% | 35.6% | -4.40% |
| Guardian Bank | KES 17.8 bn | KES 185 m | 4.80% | 14.3% | 28.80% |
| Paramount Bank | KES 17.1 bn | KES 305 m | 8.40% | 20.8% | 34.20% |
| Access Bank (Kenya) | KES 16.2 bn | KES -998 m | -48.80% | 16.9% | 17.40% |
| M-Oriental Bank | KES 15.5 bn | KES 310 m | 7.20% | 29.6% | 95.20% |
| Spire Bank | KES 45 m | KES 4 m | -4.20% | — | -28.50% |
Figures for the year to 31 December, as published. Growth is worked out by code from the two published years. Every licensed institution · Download CSV. Information, not advice.
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Loan costs compared in the same units, a yearly rate.
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