Prime Bank Delivers Strong Performance in Challenging Year

Posted On: Tuesday, March 24 2026

NAIROBI, Kenya – Prime Bank has announced a strong financial performance for the year ended 31st December 2025, posting a 23.8 percent increase in profit after tax to KShs 5.2 Billion. 

The results underscore the Bank’s prudent risk management and strategic positioning despite a turbulent economic landscape characterized by changing interest rates for the period under review.

The Bank’s total assets grew significantly to KShs 274 Billion, while shareholders’ funds recorded an impressive 129.4 percent increase to KShs 100 Billion, up from KShs 43.6 Billion in the previous year.

Commenting on the results, Managing Director Rajeev Pant highlighted the Bank’s performance against the broader economic headwinds.

 “The 2025 financial year was a test of agility for the banking sector in Kenya. By managing our liquidity and maintaining a stable loan book, we positioned Prime Bank as a safe and stable partner for our clients. Our 23.8 percent profit growth amid such times is a testament to our conservative yet strategic approach to risk management,” he said.

The core business of lending remained steady, with loans and advances to customers holding firm at KShs 55.6 Billion. 

During the period under review, the Bank prioritized supporting existing customers while actively managing its portfolio and closely monitoring non-performing loans, a factor that significantly affected the industry, and enrich Prime Bank in positive outlier.

Financial Highlights at a Glance:

• Balance Sheet Growth: Total assets expanded by 45 percent to KShs 274 Billion, up from KShs 188.8 Billion.
• Shareholders’ Funds: Grew by 129.4 percent to KShs 100 Billion from KShs 43.6 Billion
• Interest Income: Increased by 9.7 percent to KShs 20.4 Billion from KShs 18.6 Billion
• Customer Deposits: Rose by 19.1 percent to close at KShs 171.2 Billion, compared to KShs 143.8 Billion in 2024
• Loan Book: Maintained at KShs 55.6 Billion.
• Liquidity Ratio: Stood at a robust 78.7 percent, significantly above the CBK’s statutory requirement of 20 percent.
• Capital Adequacy: Core capital of KShs 32.6 Billion against Central Bank’s requirement of KShs 3 Billion, demonstrating exceptional capital strength.

“Our strong capital adequacy position against the regulatory requirement, gives us and our customer base confidence in the Bank’s stability. In an environment where liquidity challenges affected parts of the market, maintaining a 78.7 percent liquidity ratio meant we remained a reliable partner for businesses navigating cash flow pressures,” added Mr. Pant.

The period under review also saw significant operational milestones, including the successful launch of international money transfer service Prime Remit, and local expansions at Broadwalk Mall, Our Mall, and Langata in the capital. 

“These initiatives are laying groundwork for an ambitious 2026 roadmap that includes the integration of new services, a new mobile banking application for our corporate customers, an enhanced user experience (UX) project, and additional branch openings, added Mr. Pant.

With a clean balance sheet and strong capital reserves, the Bank remains optimistic of further growth, with focus on supporting trade finance, SME, and corporate banking needs across the region. 

“The process improvements we have implemented are already making us more agile and customer friendly and this is a long walk together as we transform the client experience,” Mr. Pant concluded.

About Prime Bank

Since its establishment in 1992, Prime Bank has been a pillar of Kenya’s financial sector, delivering innovative, customer-focused banking solutions for over 34 years. The Bank’s unwavering commitment to excellence has positioned it as a trusted partner for individuals, businesses, and communities, driving growth across Kenya and beyond.

With a network of 25 branches nationwide, Prime Bank is deeply rooted in Kenya’s economic fabric. Over the years, the Bank has expanded its presence across Africa, establishing operations in Malawi, Botswana, Mozambique, Zambia, and Zimbabwe through its associate bank, First Capital Bank. This strategic expansion reflects the Bank’s vision to be a pan-African financial leader, connecting markets and empowering progress.

For media inquiries, please contact:

Ms. Dipali Mandaliya,

Head of Brand & Marketing

Email: dipali.mandaliya@primebank.co.ke

Tel: +254 111 004 180

Note to Editors:  

Full financial statements are available at: [www.primebank.co.ke].