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Fetching board view and KPI data.
Fetching board view and KPI data.
IFRS-formatted statements, budget variance, funding covenants, and Kenya tax position in KES millions.
Kenya operating snapshot. Amounts are KES unless noted; P&L and statement tables use KES millions with 2 decimals.
Balance sheet, P&L, liquidity, and capital schedules.
Q2 2026 PG/04 package and ICAAP evidence pack.
June arrears, restructures, write-offs, and closed loans.
Stage 1 KES 322.40m; Stage 2 KES 468.10m; Stage 3 KES 344.70m; overlay KES 74.50m.
P&L, balance sheet, and IAS 7 cash-flow view. All amounts are KES millions with 2 decimals.
| IFRS line item | June 2026KES m | May 2026KES m | VarianceKES m |
|---|---|---|---|
| Interest income | 2,432.80 | 2,210.35 | +222.45 |
| Interest expense | -946.08 | -842.10 | -103.98 |
| Net interest income | 1,486.72 | 1,368.25 | +118.47 |
| Fee and commission income | 238.40 | 219.80 | +18.60 |
| IFRS 9 impairment charge | -285.55 | -251.70 | -33.85 |
| Operating expenses | -812.35 | -774.20 | -38.15 |
| Profit before tax | 426.90 | 393.55 | +33.35 |
| Income tax expense | -128.07 | -118.07 | -10.00 |
| Profit after tax | 298.83 | 275.48 | +23.35 |
| IFRS line item | June 2026KES m | May 2026KES m | VarianceKES m |
|---|---|---|---|
| Cash and balances with CBK | 1,920.00 | 1,755.20 | +164.80 |
| Gross loans and advances | 31,840.00 | 31,290.00 | +550.00 |
| Less: IFRS 9 ECL allowance | -1,135.20 | -1,078.40 | -56.80 |
| Net loans and advances | 30,704.80 | 30,211.60 | +493.20 |
| Other assets | 2,415.35 | 2,316.40 | +98.95 |
| Total assets | 35,040.15 | 34,283.20 | +756.95 |
| Customer deposits | -14,250.50 | -13,942.10 | -308.40 |
| Borrowings and funding lines | -12,680.00 | -12,295.00 | -385.00 |
| Other liabilities | -2,672.45 | -2,599.35 | -73.10 |
| Total liabilities | -29,602.95 | -28,836.45 | -766.50 |
| Shareholders' equity | -5,437.20 | -5,446.75 | +9.55 |
| IFRS line item | June 2026KES m | May 2026KES m | VarianceKES m |
|---|---|---|---|
| Net cash from operating activities | 684.15 | 512.40 | +171.75 |
| Net cash used in investing activities | -248.70 | -184.90 | -63.80 |
| Net cash from financing activities | 1,175.90 | 840.20 | +335.70 |
| Net increase in cash | 1,611.35 | 1,167.70 | +443.65 |
| Opening cash and cash equivalents | 2,308.60 | 2,072.35 | +236.25 |
| Closing cash and cash equivalents | 3,919.95 | 3,240.05 | +679.90 |
| Line | ActualKES m | BudgetKES m | Variance | RAG |
|---|---|---|---|---|
| RevenueHigher fee attach and payroll lending yield. | 1,725.12 | 1,640.00 | +85.12 (+5.19%) | GREEN |
| ExpensesCloud, collections, and field officer overtime pressure. | 812.35 | 790.00 | -22.35 (-2.83%) | AMBER |
| ProvisionsStage 2 migration lower than stress case. | 285.55 | 315.00 | +29.45 (+9.35%) | GREEN |
| Funding line | Covenant | Current | Headroom | RAG |
|---|---|---|---|---|
| DFI Kenya growth facility | PAR30 <= 8.00% | 6.40% | +1.60pp | green |
| AfDB MSME facility | CAR >= 14.50% | 19.20% | +4.70pp | green |
| Local bank warehouse | DSCR >= 1.25x | 1.48x | +0.23x | green |
| Private note programme | Liquidity >= 1.20x | 1.34x | +0.14x | amber |
| Revenue-share SPV | NIM >= 1,000 bps | 1,118 bps | +118 bps | green |