Stanbic Bank Posts Strong Q3 Results as Lending and Customer Confidence Drive Growth

Stanbic Bank Kenya has reported a profit after tax of KES 9.38 billion for the nine months ending September 30, 2025, underscoring a resilient performance despite margin pressures in the banking industry.

The lender’s growth was anchored on strong customer demand, enhanced digital capabilities, and a stable balance sheet position.Driven by increased lending activity, the Bank recorded a 16% rise in customer loans, pushing total loan and advance volumes to KES 253 billion. Customer deposits also grew by 5%, reflecting sustained trust and improved brand confidence among clients.

The uptick in business activity supported an 8% rise in net interest income, which reached KES 20.5 billion, cushioning the institution against reduced non-interest income linked to compressed foreign exchange margins.The Bank’s leadership highlighted strategic investments in technology and customer service as key drivers of this performance. The mobile banking platform saw the introduction of 18 new features, signaling a strong push toward efficiency, security, and improved customer experiences.

Additionally, assets under management expanded to KES 4.81 billion, reinforcing Stanbic’s strategic focus on innovation and diversified financial solutions.Stanbic continued channeling credit to vital sectors of the economy, including oil and gas, agriculture, SMEs, and individual lending. It further played an instrumental role in public finance management, successfully facilitating a USD 1.5 billion Eurobond transaction for the Kenyan government its second consecutive year supporting sovereign liability management.Financial stability indicators remained strong.

The Bank’s NPL ratio of 8.4% performed better than the industry average, while the credit loss ratio stood at 1.11%, demonstrating disciplined risk management. Financial investments rose by 31.8% to KES 100.4 billion, and trade loans amounting to KES 94.8 billion were issued within the period.The Bank’s outlook continues to receive strong external validation.

In October, Fitch Ratings reaffirmed Stanbic Bank Kenya at a “B” rating with a Stable Outlook, citing sound business fundamentals and effective risk management. Fitch also maintained the lender’s Viability Rating of “b+”, the highest attainable national rating for Kenyan institutions.Executives noted that supportive macroeconomic conditionsincluding stable inflation, improved foreign exchange reserves, and the resumption of South Sudan’s oil exports helped reinforce the Bank’s strategic position.

With continued investment in customer-focused solutions and operational efficiency, Stanbic projects sustained momentum into the final quarter of 2025