Co-operative Bank of Kenya has posted its strongest financial results yet, reporting a 15.8% rise in profit before tax to Sh40.3 billion for the year ending December 31, 2025, up from Sh34.8 billion recorded the previous year.
The lender also recorded higher earnings after tax, which grew by 16.9% to Sh29.75 billion compared to Sh25.46 billion in 2024. The bank described the outcome as “the best-ever performance by the Bank,” linking the growth to gains made under its 2025–2029 Good to Great Strategy and the “Soaring Eagle” Transformation Agenda.
Following the improved results, the bank announced a proposed dividend payout of Sh14.67 billion, marking a 67% increase from Sh8.8 billion distributed in the previous financial year. Shareholders are set to receive Sh2.50 per share, up from Sh1.50.
“The proposed dividend for FY2025 translates to a total dividend payout of Sh14.67 billion… representing a significant increase of 67 per cent,” the bank said, noting that the final payment will depend on approval at the upcoming Annual General Meeting.
A large portion of the payout will go to the co-operative movement, which has about 15 million members. The bank said the sector will receive about Sh9.47 billion, highlighting its close link with co-operative societies.
The results also showed steady growth across key financial areas. Total assets rose by 11.32% to Sh827.4 billion, up from Sh743.3 billion in 2024. Customer deposits increased by 13.28% to Sh576.5 billion, while loans and advances grew by 12.65% to reach Sh421 billion.
Income from lending remained strong, with net interest income rising by 21.99% to Sh62.85 billion. This helped push total operating income up by 13.93% to Sh91.89 billion. At the same time, operating expenses increased by 11.35%, while the cost-to-income ratio improved to 46.3%, down from 59% recorded in 2014.
The bank linked part of its growth to its digital systems, noting that “over 90% of all customer transactions [are] processed through alternative delivery channels,” supported by its omni-channel services across mobile, internet, and USSD platforms.
Its physical and agent network also expanded, with 222 branches spread across Kenya and South Sudan. In addition, the bank operates more than 16,000 Co-op Kwa Jirani agents and 620 ATMs and cash deposit machines.
On financial inclusion, the lender said its E-Credit platform disbursed Sh72.96 billion in 2025, including Sh10.43 billion directed to small businesses.
“Since inception, the E-Credit platform has disbursed over Sh500 billion, underscoring its scale and impact in driving financial inclusion,” it said.
The bank added that micro, small, and medium enterprises remain central to its operations, accounting for 16.8% of its loan book and 23.4% of customer deposits, underlining its role in supporting business growth and economic activity.