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KCB Leads Kenya’s Banking Sector on Market Share, Assets and Deposits
CBK data places KCB Bank Kenya first on market share, net assets and deposits, while its lending and capital position point to a strong role in the economy.
KCB Bank Kenya has retained the top position in Kenya’s banking sector, according to the Central Bank of Kenya’s 2025 Bank Supervision Annual Report.
The bank recorded a 17.3% market-share index, ahead of Equity Bank at 11.8% and Co-operative Bank at 9.4%.
KCB also led the sector in net assets and deposits. Its net assets stood at KSh1.50 trillion, representing 17.9% of the sector.
Customer deposits reached KSh1.15 trillion, equivalent to 18.0% of the market. The bank also recorded 12.38 million deposit accounts, giving it 15.3% of the sector.
KCB Expands Lending to the Economy
KCB’s lending book also points to its role in financing businesses and households.
Gross loans grew by 18.8% to KSh1.01 trillion, according to the figures shared by KCB.
The growth came as the wider banking sector recorded more measured credit expansion.
KCB’s scale means it remained the only Kenyan bank with gross loans above the KSh1 trillion mark.
The bank also reported KSh63.7 billion in profit before tax and core capital of KSh183 billion.
Its return on equity stood at 28.4%.
Regional Network Strengthens KCB’s African Footprint
KCB’s presence also extends beyond Kenya.
The group operates across Tanzania, Uganda, Rwanda, Burundi, South Sudan and the Democratic Republic of Congo.
Its regional network includes 239 branches, making it the largest regional branch network among Kenyan banks based on the figures provided.
CBK also linked growth in regional branch networks during 2025 to new KCB branches in Tanzania and Uganda.
The group has continued to expand its wider regional footprint through subsidiaries and other businesses. KCB currently reports 460 branches across East Africa at group level.
Taking Banking Services Closer to Customers
KCB’s reach also extends through its agency network.
The bank has 22,413 agents, giving it one of the largest agency networks in Kenya.
Agency banking remains important for customers who may not have easy access to traditional branches.
KCB also recorded 12.4 million deposit accounts and 1.33 million loan accounts in the CBK market-share data.
These channels complement the bank’s physical and digital banking infrastructure.
Capital Strength Supports Growth
KCB’s capital position provides another measure of its financial capacity.
The bank’s total capital to risk-weighted assets stood at 22.3%, compared with the regulatory minimum of 14.5%.
Core capital stood at 17.0%, above the 10.5% minimum.
The figures indicate a capital buffer above the regulatory thresholds.
KCB Group has also continued to report a strong balance sheet at group level. Its investor information currently lists total assets of about KSh2.3 trillion and net loans and advances of about KSh1.2 trillion.
A Bank With a Broad Economic Footprint
The latest CBK figures show KCB’s position across several parts of Kenya’s banking sector.
Its market share, deposit base and lending book place it at the centre of financial activity. Meanwhile, its agency network and regional operations extend that reach beyond major urban centres.
As the banking sector continues to evolve, KCB’s performance reflects the growing importance of scale, capital strength, regional reach and access to financial services.
The CBK published its 2025 Bank Supervision Annual Report on September 23, 2026, providing the latest annual assessment of developments across Kenya’s banking sector.
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