NBK’s Record Profits Boost Investor Confidence and Market Competitiveness

National Bank of Kenya (NBK), now a wholly owned subsidiary of Access Bank PLC, has posted impressive financial results for the year ended 31st December 2025, reinforcing its position as a competitive player in Kenya’s banking sector and signaling growing investor confidence. The bank’s profit before tax soared 178 percent to KShs 2.91 billion, up from KShs 1.05 billion in 2024, while profit after tax rose 125 percent to KShs 2.39 billion. These gains were supported by disciplined cost management, a 33 percent reduction in interest expenses, and improved net interest and non-interest income. Operating expenses declined to KShs 8.49 billion, reflecting efficiency measures implemented as part of the bank’s strategic turnaround. “The remarkable growth in profitability demonstrates that NBK is now a stronger, more reliable partner for businesses and investors. Our focus on operational efficiency, asset quality, and customer-centric solutions has created a solid foundation for sustainable growth,” said George Odhiambo, Managing Director of NBK. The bank’s strengthened balance sheet further underscores its market stability. Customer deposits increased to KShs 106 billion, total equity rose to KShs 17 billion, and total assets stood at KShs 141.3 billion. The bank also adopted a more risk-adjusted lending strategy, with net loans and advances closing at KShs 51 billion, positioning NBK for long-term sustainability. NBK’s first full reporting period under Access Bank PLC has accelerated transformation efforts, including enhanced risk management, optimized funding structures, and operational efficiency. Initiatives like the W Initiative, which empowers women entrepreneurs and professionals, further demonstrate NBK’s commitment to driving inclusive economic growth. As NBK moves into 2026, the bank is well positioned to attract strategic partnerships and investments, expand its loan portfolio, leverage digital innovations, and continue strengthening operational frameworks. The 2025 financial performance signals a new era of profitability, resilience, and market competitiveness for NBK, reinforcing its role as a trusted financial partner in Kenya.