National Bank of Kenya (NBK), now a wholly owned subsidiary of Access Bank PLC, has reported significant profit growth for the year ended 31st December 2025, signaling renewed investor confidence and an enhanced competitive position in Kenya’s banking sector.
Profit before tax surged 178 percent to KShs 2.91 billion, while profit after tax rose 125 percent to KShs 2.39 billion, reflecting the success of strategic measures implemented after NBK’s integration into the Access Group.
The bank achieved these results through improved net interest income, a 33 percent reduction in interest expenses, and a decline in operating costs to KShs 8.49 billion, alongside a 37 percent reduction in allowances for expected credit losses.
“This performance is a clear endorsement of NBK’s strengthened operational and financial framework,” said George Odhiambo, Managing Director. “Investors and customers alike are showing renewed confidence as the bank stabilizes, strengthens its balance sheet, and implements a growth-focused strategy.”
NBK’s balance sheet showed positive momentum, with customer deposits rising to KShs 106 billion and total equity reaching KShs 17 billion. Net loans and advances were recalibrated to KShs 51 billion, reflecting a more risk-adjusted lending approach that strengthens capital ratios and ensures regulatory compliance.
The acquisition by Access Bank PLC accelerated NBK’s transformation, enabling the bank to adopt a leaner structure, improved risk management, and efficient operational frameworks.
Initiatives such as the W Initiative, supporting women-led enterprises, further enhance the bank’s reputation and engagement with Kenya’s growing entrepreneurial sector.
Looking forward to 2026, NBK aims to leverage its strengthened financial position to attract new investors, expand digital services, diversify its loan portfolio, and deepen market penetration.
Analysts suggest that the 2025 results demonstrate NBK’s potential to emerge as a strong, competitive player in Kenya’s banking landscape while delivering long-term value to shareholders and customers alike.