Equity Group Holdings has posted a 17% rise in profit after tax to Sh 34.6 billion for the first half of 2025, while pre-tax profit surged by 12% to Sh 41.5 billion.
Alongside this robust performance, the balance sheet saw modest gains, with total assets surging by 3% to Sh 1.80 trillion, mainly driven by loan book growth and investment securities.
Net interest income increased 9.1% year-on-year to Sh 59.30 billion while non-interest income surged 4.5% to Sh 42.78 billion. Net loans grew by 4% to Sh825.1 billion.
The Group’s customer deposits surged by 1.6% to Sh 1.32 trillion. Total equity grew by 25.2% to Sh 276.07 billion,
The Group saw an increase in its net interest margin, rising by 0.4 percentage points to 8.3%, alongside a reduction in the cost-to-income ratio, which fell by 0.8 percentage points to 51.7%, reflecting enhanced operational efficiency.
Additionally, the return on average assets improved by 0.5 percentage points to 3.9%. However, the return on average equity experienced a slight dip, decreasing by 0.6 percentage points to 26.1%.
The Group’s banking delivered varied results. Equity Bank Kenya Limited (EBKL) registered robust performance with its return on equity climbing to 28.1% from 25.0% in the corresponding period last year. EBKL’s return on assets rose to 3.9%, which is up from 2.8% in 2025. Equity Bank Congo DRC (EBCDC) also performed well, achieving an ROE of 23.5%.
Meanwhile, Equity Bank South Sudan Limited (EBSSL) posted a sharp decline in performance, moving from a profit before tax of Sh 2.5 billion in the first half of 2024 to a loss of Sh 0.2 billion in H1 2025. The negative results underscore the difficult economic conditions in South Sudan.
Read more: Equity Group Profit for Q3 rises to Kshs 40.9 Billion
