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Equity Group Reports 32% Profit Growth in Q3 2025
Equity Group Holdings Plc has posted strong results for the third quarter of 2025, recording a 32% rise in Profit After Tax to Kshs 54.1 billion, up from Kshs 40.9 billion in 2024.
The growth reflects improved operational efficiency, strategic diversification, and a strong rebound in the Kenyan market.
Return on Average Equity climbed to 26.4%, while Return on Average Assets reached 4.1%. Net interest income grew by 16%, supported by a 3% rise in non-funded income.
Consequently, the cost-to-income ratio improved to 50.6%, down from 55.1% the previous year, showing the Group’s focus on cost optimization and technology-driven efficiency.
Globally, the economic outlook improved as inflation eased and growth strengthened. Africa, in particular, continues to stand out, hosting nine of the world’s twenty fastest-growing economies.
Within East Africa, Rwanda and Uganda led the region’s expansion, while Kenya and Tanzania maintained steady performance.
Equity Group Posts 32% Profit Growth in Q3 2025
Driving Transformation through Strategy and Innovation
Equity Group’s strong performance is anchored on its Africa Recovery and Resilience Plan (ARRP) and its 2030 Strategic Vision. The plan aims to expand operations into 15 countries and reach 100 million customers by 2030.
To achieve this, the Group has upgraded its core systems using artificial intelligence and fourth-generation technology. These upgrades have enhanced efficiency, security, and scalability, enabling faster customer service.
Moreover, the bank has cultivated a culture centered on innovation, teamwork, and customer focus.
Equity’s Tri-Engine Business Model aligns private capital with public development priorities. By leveraging blended finance and partnerships, the Group continues to empower MSMEs and strengthen key value chains in agriculture, trade, and manufacturing.
“Our strategy is now translating into stronger results across our ecosystems,” said Dr. James Mwangi, Equity Group Managing Director and CEO.
“We are transforming both the structure and performance of the Group by empowering entrepreneurs and driving sustainable growth through innovation.”
Regional Growth and Digital Expansion
Equity Bank Kenya recorded a 51% increase in Profit After Tax to Kshs 31.1 billion. Net interest income grew by 27%, while interest expenses dropped by 34%.
Notably, the bank disbursed 45% of all MSME loans in Kenya, reaffirming its leadership in SME financing.
Meanwhile, regional subsidiaries continued to strengthen their contribution, accounting for nearly half of the Group’s banking revenue and assets.
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In the DRC, Profit After Tax rose by 21% to Kshs 13.8 billion.
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Uganda recorded a 61% jump in profit to Kshs 2.9 billion.
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Rwanda’s loan book expanded by 34%, with assets growing to Kshs 122.9 billion.
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Tanzania nearly doubled its profit to Kshs 1.5 billion, supported by an 83% rise in shareholder funds.
Additionally, Equity’s insurance subsidiaries Life, General, and Health posted a combined 36% rise in Profit Before Tax to Kshs 1.46 billion.
Today, over 98% of all transactions occur outside branches, and 87.4% are conducted digitally, underscoring the success of the Group’s digital transformation.
Empowering Communities for a Sustainable Future
The Equity Group Foundation (EGF) continues to drive social and environmental impact across Africa. It awarded 145 students international scholarships worth Kshs 3.8 billion and enabled 91,000 MSMEs to access Kshs 38 billion in credit.
Furthermore, the foundation distributed more than 535,000 clean-energy solutions, reaching over two million people, and planted 39.6 million trees to restore ecosystems.
For its leadership in sustainability, EGF received the 2025 Sustainable CSR Award. Meanwhile, Equity was named the Best Regional Bank in East Africa at the African Banker Awards 2025 and maintained its title as Kenya’s Most Valuable Brand.
“Our transformation journey is just beginning,” said Dr. Mwangi. “We will continue to innovate, empower communities, and drive inclusive growth across Africa.”
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