Family Bank has posted a profit after tax of KSh 3.597 billion for the nine months to the end of September 2025, a striking 55.7 percent rise from the same period last year. The lender’s momentum has been powered by stronger lending income, improved funding conditions and a visibly larger balance sheet.
Core income leapt 43 percent to KSh 10.95 billion, supported by higher earnings from loans, advances and government securities as the cost of funds eased. Total operating income climbed to KSh 14.74 billion, with non-funded income also rising 14 percent to KSh 3.8 billion.
To give a clear snapshot, here’s how the bank’s key metrics stack up year-on-year:
Family Bank: Key Metrics (Sep 2024 vs Sep 2025)
| Metric | Sep 2024 | Sep 2025 | YoY Change |
|---|---|---|---|
| Net Interest Income | KSh 7.655 Bn | KSh 10.95 Bn | ▲ 43.0% |
| Non-Interest Income | KSh 3.312 Bn | KSh 3.789 Bn | ▲ 14.4% |
| Operating Income | KSh 10.97 Bn | KSh 14.74 Bn | ▲ 34.4% |
| Total Operating Expenses | KSh 7.703 Bn | KSh 10.24 Bn | ▲ 33.0% |
| Loan Loss Provision | KSh 587.5 Mn | KSh 1.361 Bn | ▲ 131.6% |
| Profit Before Tax | KSh 3.264 Bn | KSh 4.495 Bn | ▲ 37.7% |
| Profit After Tax | KSh 2.309 Bn | KSh 3.597 Bn | ▲ 55.7% |
| Earnings per Share | 1.770 | 2.490 | ▲ 40.7% |
| Total Assets | KSh 163.2 Bn | KSh 202.6 Bn | ▲ 24.1% |
| Total Equity | KSh 19.10 Bn | KSh 28.27 Bn | ▲ 48.1% |
| Customer Deposits | KSh 127.3 Bn | KSh 146.8 Bn | ▲ 15.3% |
| Loans & Advances (Net) | KSh 94.21 Bn | KSh 103.7 Bn | ▲ 10.1% |
| Gross NPLs | KSh 14.30 Bn | KSh 15.60 Bn | ▲ 9.09% |
| Core Capital | KSh 14.80 Bn | KSh 19.81 Bn | ▲ 33.8% |
The bank’s total assets expanded to KSh 202.6 billion, buoyed by customer deposits which grew 15 percent to KSh 146.8 billion. Net lending rose to KSh 103.7 billion as demand for credit held firm. The lender also boosted its government securities portfolio by more than 39 percent to KSh 39 billion.
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Capital strength improved markedly. Core capital climbed to KSh 19.81 billion, while shareholder equity shot up 48 percent to KSh 28.27 billion, reflecting both stronger retained earnings and the swelling asset book. Gross NPLs edged up to KSh 15.60 billion.
The solid performance arrives just months before Family Bank’s planned listing by introduction on the Nairobi Securities Exchange in 2026, an approval secured at a recent extraordinary general meeting.
