KCB Group Accelerates Strategy Execution with Strong 2025 Milestones
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KCB Group Accelerates Strategy Execution with Strong 2025 Milestones
KCB Group has reported significant progress in executing its strategic agenda, demonstrating pace, discipline, and a clear focus on transformation as it advances into the final phase of its 2024–2026 strategy.
Under its guiding theme “Transforming Today Together – For People. For Better.”, the Group continues to deliver impactful outcomes across digital transformation, customer experience, partnerships, and operational efficiency.
Portfolio Optimization and Digital Acceleration
A major highlight in 2025 was the successful divestiture of the National Bank of Kenya (NBK), concluded on 30 May 2025, marking a critical step in sharpening the Group’s strategic focus and improving capital allocation.
At the same time, KCB accelerated its channel optimization strategy, rolling out a new unified mobile banking app that has significantly enhanced customer experience.
The platform enables fast and seamless self-onboarding for accounts and wallets, integrates Money Market Fund (MMF) access, and introduces a mini-app ecosystem to expand financial services offerings.
This digital push is reflected in usage trends, with 99% of customer transactions now conducted through non-branch channels, underscoring strong adoption of digital banking solutions.
Additionally, mobile loan disbursements grew by 30% to KSh 544 billion, equivalent to approximately KSh 1.5 billion daily, reinforcing the bank’s leadership in digital credit.
Expanding Physical and Digital Reach
Despite rapid digitization, KCB continues to invest in its physical footprint, opening 11 new branches across high-growth markets in the region. This hybrid approach ensures the bank remains accessible while scaling digital convenience.
Deepening Customer-Centric Solutions
KCB has intensified its focus on priority customer segments, including youth, women, schools, affordable housing, and trade finance. Through ecosystem banking and value chain financing, the Group is delivering tailored financial solutions that address real economic needs.
Notably, the bank entered a partnership with the United Nations High Commissioner for Refugees (UNHCR) to extend financial services to refugee communities across East Africa, reinforcing its commitment to financial inclusion.
In addition, KCB is collaborating with government stakeholders on long-term solutions to enhance safety in road and transit systems, signaling a broader role in national development.
KCB Group Accelerates Strategy Execution with Strong 2025 Milestones
Payments Innovation and Regional Integration
In the payments space, KCB introduced a new unified multicurrency prepaid card, enabling customers to transact seamlessly across 18 currencies using a single carda move aimed at supporting cross-border trade and travel.
The Group has also signed up to the Pan-African Payment and Settlement System (PAPSS), unlocking faster and more efficient intra-African cross-border payments, in line with the continent’s growing trade integration agenda.
Technology-Driven Efficiency and Risk Management
On the technology front, KCB is strengthening its operational backbone through advanced systems and automation.
The bank has implemented the Temenos Advanced Collections (TAC) solution across Kenya, South Sudan, and Burundi, enhancing asset quality management and credit risk oversight.
Additionally, the deployment of Robotic Process Automation (RPA) across its operations is driving efficiencies, reducing turnaround times, and improving service delivery across business units.
Outlook
With strong execution across its strategic pillars, KCB Group is reinforcing its position as a digitally-led, customer-focused financial services group, while expanding its regional footprint and advancing financial inclusion.
As the 2024–2026 strategy enters its final stretch, the Group’s disciplined approach and innovation-led growth continue to set the pace for the banking sector in East Africa.
