By Editor
Family Bank Group has reported a strong financial performance for the year ended 2025, with Profit After Tax rising by 55.4% to KES 5.4 billion, up from KES 3.5 billion. Profit Before Tax also recorded a significant increase of 61.6%, reaching KES 6.3 billion.
The improved performance was largely driven by the expansion of interest-earning assets and enhanced income generation, supported by a stronger balance sheet.
Total assets grew by 23.8% to KES 208.7 billion, underpinned by a 20% increase in customer deposits and a 46% surge in shareholders’ funds, strengthening the bank’s funding base and overall financial position. During the year, the bank successfully raised KES 8 billion in equity capital through a private placement, which was oversubscribed by 131%.
Net loans and advances rose by 14% to KES 105.9 billion, largely driven by increased lending to MSMEs. Meanwhile, investment in government securities expanded by 45% to KES 74 billion.
The growth in interest-earning assets translated into improved income performance, with net interest income climbing by 46% to KES 15.6 billion, while non-interest income increased by 5% to KES 4.6 billion.
Speaking on the results, Family Bank CEO Nancy Njau said 2025 marked a key milestone in the bank’s five-year strategic plan, which focuses on delivering strong customer value propositions and advancing digital transformation.
She noted that continued investment in digital capabilities and optimization of the bank’s distribution network had enhanced customer experience and strengthened its product offerings, positioning the lender for sustainable growth.
Njau added that sustained investment in staff development and a supportive work environment played a crucial role in the bank’s performance. She also highlighted that partnerships with Development Finance Institutions boosted the bank’s ability to lend to key sectors such as SMEs, agribusiness and manufacturing, contributing to the growth of its loan book.
The bank maintained a strong liquidity position, with its liquidity ratio standing at 60.9%, well above the statutory requirement. All capital adequacy ratios also remained comfortably above regulatory thresholds.
