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Family Bank

FMLY · Nairobi Securities Exchange · Incorporated in Kenya · Consolidated statements

On this page
Company details
Legal name
Family Bank Limited
Incorporated in
Kenya
Listing
FMLY on the Nairobi Securities Exchange, active · ISIN KE9930006987 (observed 2026-10-07)
Sector
Not classified (our classification from the stated principal activity)
Financial year ends
31 December

Overview

Year ended 31 December 2025 · annual report, signed / final · source

  • Net interest income

    KES 16.1 billion

    16,125,808 KES thousands · p164

    +44.5% vs 2024

    Interest income less interest expense, as printed.

  • Operating income

    KES 20.0 billion

    20,028,774 KES thousands · p164

    +34.1% vs 2024

    The bank's own total of its income lines before credit impairment and operating expenses, under its printed label. What it includes differs between banks; it is not revenue.

  • Profit / (loss) for the year

    KES 5.38 billion

    5,378,153 KES thousands · p164

    +55.4% vs 2024

  • Total assets

    KES 209 billion

    208,688,568 KES thousands · p165

    +23.8% vs 2024

  • Customer deposits

    KES 152 billion

    151,878,945 KES thousands · p165

    +20.1% vs 2024

  • Total equity

    KES 32.6 billion

    32,622,486 KES thousands · p165

    +45.7% vs 2024

Large amounts are rounded for reading (KES million / billion / trillion); exact figures as printed are under each amount and in the tables. No currency conversion.

Financial statements

Exact figures as printed. Each column comes from one filing; labels are as printed in the newest filing. Amounts in KES thousands unless the row says otherwise; brackets are negative.

† from a supplementary filing for the same year · ‡ signed audited statements preferred over a disputed figure · “–” is a printed dash, explained below the table

Column sources

  • FY2025 — annual report, signed / final; reported for the year · source
  • FY2024 — annual report, signed / final; comparative in the FY2025 filing · source
  • FY2023 — annual report, signed / final; reported for the year · source
  • FY2022 — annual report, signed / final; comparative in the FY2023 filing · source

Income statement

Income statement, KES thousands. Columns: FY2025 — annual report (signed / final), as reported for the year; FY2024 — annual report (signed / final), comparative reported in the annual report for 2025; FY2023 — annual report (signed / final), as reported for the year; FY2022 — annual report (signed / final), comparative reported in the annual report for 2023.
Line (as printed) FY2025Annual reportreported for the yearFY2024Annual reportcomparative in FY2025 filingFY2023Annual reportreported for the yearFY2022Annual reportcomparative in FY2023 filing
Interest income 25,169,995 20,958,744 16,211,094 13,819,961
Interest expense (9,044,187) (9,798,983) (6,552,847) (4,736,677)
Net interest income 16,125,808 11,159,761 9,658,247 9,083,284
Fee and commission income 2,752,203 2,703,968 2,419,433 2,263,453
Fee and commission expense (683,632) (584,105) (540,541) (386,962)
Net fees and commission in- come1 2,068,571 2,119,863 1,878,892 1,876,491
Investment income2 1,061,246 375,054 235,354 105,385
Net trading income 330,913 610,654 1,031,483 664,659
Other income 442,236 675,384 548,578 398,345
Operating income 20,028,774 14,940,716 13,352,554 12,128,164
Operating expenses (11,135,575) (9,644,071) (8,081,859) (7,076,041)
Credit impairment losses (2,562,847) (1,380,308) (2,074,882) (1,307,131)
Profit before income tax 6,330,352 3,916,337 3,195,813 3,744,992
Income tax expense (952,199) (455,824) (687,892) (1,531,280)
Profit for the year 5,378,153 3,460,513 2,507,921 2,213,712
Gain on revaluation of properties (net of deferred tax)3 227,999 –4 Not reported in this filing5 Not reported in this filing6
Fair value gain on financial assets at fair value through other comprehensive income (net of deferred tax)78 553,173 2,518,481 (953,253) (626,729)
Total other comprehensive income 781,172 2,518,481 (953,253) (626,729)
Total comprehensive income for the year 6,159,325 5,978,994 1,554,668 1,586,983
  1. Printed “-”, read as nil: subtotal_arithmetic: is.other_comprehensive_income.
Notes and alternative reported figures (7)
  1. Printed under different labels across filings: “Net fees and commission in- come”; “Net fees and commission income”.
  2. “Investment income” is an issuer-specific line, not mapped to a shared definition: Note 6(b): income from investments, printed separately from interest income.
  3. “Gain on revaluation of properties (net of deferred tax)” is an issuer-specific line, not mapped to a shared definition: OCI; printed '-' for 2024.
  4. Not reported in this filing: Not reported: the Consolidated statement of profit or loss and other comprehensive income (p114) prints a single OCI line, 'Fair value loss on debt financial assets at fair value through other comprehensive income (net of tax)', then 'Total other comprehensive income'; there is no property-revaluation line for 2023. Checked on the page image (p114).
  5. Not reported in this filing: Not reported: the Consolidated statement of profit or loss and other comprehensive income (p114) prints a single OCI line, 'Fair value loss on debt financial assets at fair value through other comprehensive income (net of tax)', then 'Total other comprehensive income'; there is no property-revaluation line for 2022. Checked on the page image (p114).
  6. “Fair value gain on financial assets at fair value through other comprehensive income (net of deferred tax)” is an issuer-specific line, not mapped to a shared definition: OCI.
  7. Printed under different labels across filings: “Fair value gain on financial assets at fair value through other comprehensive income (net of deferred tax)”; “Fair value loss on debt financial assets at fair value through other comprehensive income (net of tax)”.

Balance sheet

Balance sheet, KES thousands. Columns: FY2025 — annual report (signed / final), as reported for the year; FY2024 — annual report (signed / final), comparative reported in the annual report for 2025; FY2023 — annual report (signed / final), as reported for the year; FY2022 — annual report (signed / final), comparative reported in the annual report for 2023.
Line (as printed) FY2025Annual reportreported for the yearFY2024Annual reportcomparative in FY2025 filingFY2023Annual reportreported for the yearFY2022Annual reportcomparative in FY2023 filing
Cash and balances with CBK 9,801,482 12,153,067 9,250,646 8,992,039
Balances due from banking institutions 7,874,262 2,858,176 2,646,725 5,589,075
-at amortised cost 39,704,276 22,192,287 24,296,347 14,074,248
-at fair value through other comprehensive income 34,330,870 28,806,539 10,529,403 10,826,810
Current income tax 14,545 324,102 48,484 8,702
Other assets 3,389,193 2,710,862 2,496,276 1,794,011
Loans and advances to customers 105,898,912 92,908,565 86,921,359 81,380,510
Investment in subsidiaries12 –3 –3 –3 –3
Investment properties 70,600 32,500 28,600 28,600
Property and equipment 2,401,037 2,366,038 2,487,557 2,132,510
Intangible assets 765,015 469,744 543,317 298,282
Right of use of assets 1,009,320 685,034 760,152 635,330
Prepaid operating leases4 114,006 118,643 123,280 127,916
Deferred income tax 3,315,050 2,879,005 2,274,779 1,771,452
Total assets 208,688,568 168,504,562 142,406,925 128,513,113
Customer deposits 151,878,945 126,471,079 102,594,430 88,903,786
Balances due to banking institutions 561,679 7,125,532 4,384,574 6,419,589
Accruals and other provisions5 2,015,038 2,101,088 41,7026 370,179
Other liabilities 5,741,759 2,073,325 3,284,7477 2,310,002
Borrowings 13,911,503 7,491,175 11,274,1198 10,532,651
Lease liabilities9 1,184,732 852,949 956,570 843,009
Current income tax 772,426 –10 –10 25,324
Total liabilities 176,066,082 146,115,148 125,536,142 112,402,084
Share capital 1,662,655 1,305,195 1,287,108 1,287,108
Share premium 10,944,549 6,118,846 5,874,662 5,874,662
Revaluation surplus 506,423 278,424 278,424 278,424
Fair value reserve 1,305,334 752,161 (1,766,320) (813,067)
Retained earnings 13,423,447 9,733,792 7,879,305 6,911,705
Statutory reserve11 2,551,376 3,092,496 2,594,636 1,777,283
Proposed dividends12 2,228,702 1,108,500 722,968 794,914
Total shareholders' funds13 32,622,486 22,389,414 16,870,783 16,111,029
Total liabilities and shareholders' funds14 208,688,568 168,504,562 142,406,925 128,513,113
-at fair value through profit or loss Not reported in this filing15 Not reported in this filing16 –3 853,628
Short term borrowings from CBK17 Not reported in this filing18 Not reported in this filing2019 3,000,000 2,997,544
  1. Printed “-”, read as nil: subtotal_arithmetic: bs.total_assets.
  2. Printed “-”, read as nil: subtotal_arithmetic: bs.total_liabilities.
Notes and alternative reported figures (18)
  1. “Investment in subsidiaries” is an issuer-specific line, not mapped to a shared definition: Note 20: printed '-' in the Consolidated columns.
  2. Printed under different labels across filings: “Investment in subsidiaries”; “Investment in subsidiary”.
  3. “Prepaid operating leases” is an issuer-specific line, not mapped to a shared definition: Note 24.
  4. “Accruals and other provisions” is an issuer-specific line, not mapped to a shared definition: Note 27(a).
  5. Annual report dated 2025-03-28 prints 1,112,054 (thousands, p153) for this line and year.
  6. Annual report dated 2025-03-28 prints 2,247,914 (thousands, p153) for this line and year.
  7. Annual report dated 2025-03-28 prints 11,240,600 (thousands, p153) for this line and year.
  8. “Lease liabilities” is an issuer-specific line, not mapped to a shared definition: Note 33(b): current and non-current not split.
  9. “Statutory reserve”: mapping to a shared definition is uncertain. Printed 'Statutory reserve'; the statement does not say it is the regulatory credit-risk reserve.
  10. “Proposed dividends” is an issuer-specific line, not mapped to a shared definition: Equity: proposed dividends reserve.
  11. Printed under different labels across filings: “Total shareholders' funds”; “Total shareholders’ funds”.
  12. Printed under different labels across filings: “Total liabilities and shareholders' funds”; “Total liabilities and shareholders’ funds”.
  13. Not reported in this filing: Not reported: the Consolidated statement of financial position (p165) prints 'Government securities:' at amortised cost and at fair value through other comprehensive income only; there is no 'at fair value through profit or loss' line for 2025. Checked on the page image (p165).
  14. Not reported in this filing: Not reported: the Consolidated statement of financial position (p165) prints 'Government securities:' at amortised cost and at fair value through other comprehensive income only; there is no 'at fair value through profit or loss' line for 2024. Checked on the page image (p165).
  15. “Short term borrowings from CBK” is an issuer-specific line, not mapped to a shared definition: Liability: short-term borrowings from the Central Bank of Kenya.
  16. Not reported in this filing: Not reported: the Consolidated statement of financial position (p165) has no 'Short term borrowings from CBK' line for 2025; its liabilities are 'Customer deposits', 'Balances due to banking institutions', 'Accruals and other provisions', 'Other liabilities', 'Borrowings', 'Lease liabilities', 'Current income tax'. (The FY2025 cash flow p168 prints 'Short term borrowings Central Bank' with note reference 14, i.e. balances due to banking institutions; not split out on the balance sheet.) Checked on the page image (p165).
  17. Annual report dated 2025-03-28 presents this line for this year: - (p153). Not shown in this column, which follows one filing's presentation.
  18. Not reported in this filing: Not reported: the Consolidated statement of financial position (p165) has no 'Short term borrowings from CBK' line for 2024; its liabilities are 'Customer deposits', 'Balances due to banking institutions', 'Accruals and other provisions', 'Other liabilities', 'Borrowings', 'Lease liabilities', 'Current income tax'. (The FY2025 cash flow p168 prints 'Short term borrowings Central Bank' with note reference 14, i.e. balances due to banking institutions; not split out on the balance sheet.) Checked on the page image (p165).

Cash flow

Cash flow, KES thousands. Columns: FY2025 — annual report (signed / final), as reported for the year; FY2024 — annual report (signed / final), comparative reported in the annual report for 2025; FY2023 — annual report (signed / final), as reported for the year; FY2022 — annual report (signed / final), comparative reported in the annual report for 2023.
Line (as printed) FY2025Annual reportreported for the yearFY2024Annual reportcomparative in FY2025 filingFY2023Annual reportreported for the yearFY2022Annual reportcomparative in FY2023 filing
Net cash generated used in operations1 (13,334,966) (2,276,363)2 (6,631,543)3 (12,690,358)
Interest received 23,253,261 19,692,1994 12,655,419 12,419,686
Interest paid on customer and bank deposits56 (7,885,505) (7,617,734)7 (6,538,520)8 (3,891,585)
interest paid on leases9 (157,226) (100,666) (105,174) (108,606)
Taxation paid10 (787,422) (1,335,668)11 (1,256,763) (1,740,942)
Net cash generated from operating activities12 1,088,142 8,361,76813 (1,876,581)14 (6,011,805)
Purchase of property and equipment (313,578) (313,489) (758,049) (480,149)
Purchase of intangible assets- software15 (506,474) (180,204) (366,249) (100,430)
Proceeds from disposal of assets16 16,650 –17 Not reported in this filing18 Not reported in this filing19
Net cash used in investing activities20 (803,402) (493,693) (1,124,298) (580,579)
Borrowings received21 7,615,192 325,000 7,561,155 6,763,878
Short term borrowings Central Bank22 –23 (3,000,000) Not reported in this filing2524 Not reported in this filing26
Repayment of borrowings27 (1,252,838) (2,808,686)28 (3,819,687) (1,475,476)
Interest paid on borrowings (1,031,998) (1,071,058) Not reported in this filing29 Not reported in this filing30
Payment of principal portion of lease liabili-ties31 (461,405) (479,720)32 (460,744) (440,126)
Investment in subsidiary33 –23 –23 Not reported in this filing34 Not reported in this filing35
Dividend income received36 –23 –23 Not reported in this filing37 Not reported in this filing38
Dividends paid (1,108,500) (722,968) (794,914) (1,068,300)
Proceeds from issue of shares39 5,183,163 262,270 Not reported in this filing40 Not reported in this filing41
Net cash generated from/ (used in) financing activities42 8,943,614 (7,495,162)43 2,485,810 3,779,976
Net increase in cash and cash equivalents during the period44 9,228,354 372,91345 (515,069)46 (2,812,408)
Cash and cash equivalents at beginning of the period47 7,885,711 7,512,79848 3,154,18849 5,966,596
Cash & cash equivalents at end of the year50 17,114,065 7,885,71151 2,639,11948 3,154,188
  1. Printed “-”, read as nil: subtotal_arithmetic: cf.cash_from_investing.
  2. Printed “-”, read as nil: subtotal_arithmetic: cf.cash_from_financing.
Notes and alternative reported figures (49)
  1. Printed under different labels across filings: “Cash used in operations”; “Net cash generated used in operations”.
  2. Annual report dated 2025-03-28 prints (4,904,630) (thousands, p156) for this line and year.
  3. Annual report dated 2025-03-28 prints (7,076,177) (thousands, p156) for this line and year.
  4. Annual report dated 2025-03-28 prints 20,624,501 (thousands, p156) for this line and year.
  5. “Interest paid on customer and bank deposits” is an issuer-specific line, not mapped to a shared definition: Operating activities.
  6. Printed under different labels across filings: “Interest paid”; “Interest paid on customer and bank deposits”.
  7. Annual report dated 2025-03-28 prints (6,448,554) (thousands, p156) for this line and year.
  8. Annual report dated 2025-03-28 prints (6,805,837) (thousands, p156) for this line and year.
  9. Printed under different labels across filings: “Interest paid on lease liabilities”; “interest paid on leases”.
  10. Printed under different labels across filings: “Tax paid”; “Taxation paid”.
  11. Annual report dated 2025-03-28 prints (1,334,986) (thousands, p156) for this line and year.
  12. Printed under different labels across filings: “Net cash generated from operating activities”; “Net cashflows from operating activities”.
  13. Annual report dated 2025-03-28 prints 7,835,665 (thousands, p156) for this line and year.
  14. Annual report dated 2025-03-28 prints (2,588,532) (thousands, p156) for this line and year.
  15. Printed under different labels across filings: “Purchase of intangible assets”; “Purchase of intangible assets- software”.
  16. “Proceeds from disposal of assets”: mapping to a shared definition is uncertain. Printed 'Proceeds from disposal of assets' without saying which assets.
  17. Not reported in this filing: Not reported: The Consolidated and Bank Statement of Cash Flows of the FY2023 document (p118, Consolidated 2023 and 2022 columns) prints operating lines 'Cash used in operations', 'Interest received', 'Interest paid', 'Interest paid on lease liabilities', 'Tax paid'; investing lines 'Purchase of property and equipment' and 'Purchase of intangible assets' only; financing lines 'Proceeds from borrowings', 'Repayment of borrowing', 'Payment of principal portion of lease liabilities', 'Dividends paid'. There is no 'Proceeds from disposal of assets' line for 2023. Checked on the page image (p118).
  18. Not reported in this filing: Not reported: The Consolidated and Bank Statement of Cash Flows of the FY2023 document (p118, Consolidated 2023 and 2022 columns) prints operating lines 'Cash used in operations', 'Interest received', 'Interest paid', 'Interest paid on lease liabilities', 'Tax paid'; investing lines 'Purchase of property and equipment' and 'Purchase of intangible assets' only; financing lines 'Proceeds from borrowings', 'Repayment of borrowing', 'Payment of principal portion of lease liabilities', 'Dividends paid'. There is no 'Proceeds from disposal of assets' line for 2022. Checked on the page image (p118).
  19. Printed under different labels across filings: “Net cash flows from investing activities”; “Net cash used in investing activities”.
  20. Printed under different labels across filings: “Borrowings received”; “Proceeds from borrowings”.
  21. “Short term borrowings Central Bank” is an issuer-specific line, not mapped to a shared definition: Financing (note 14); printed '-' for 2025.
  22. Annual report dated 2025-03-28 presents this line for this year: - (p156). Not shown in this column, which follows one filing's presentation.
  23. Not reported in this filing: Not reported: The Consolidated and Bank Statement of Cash Flows of the FY2023 document (p118, Consolidated 2023 and 2022 columns) prints operating lines 'Cash used in operations', 'Interest received', 'Interest paid', 'Interest paid on lease liabilities', 'Tax paid'; investing lines 'Purchase of property and equipment' and 'Purchase of intangible assets' only; financing lines 'Proceeds from borrowings', 'Repayment of borrowing', 'Payment of principal portion of lease liabilities', 'Dividends paid'. There is no 'Short term borrowings Central Bank' line for 2023. Checked on the page image (p118).
  24. Not reported in this filing: Not reported: The Consolidated and Bank Statement of Cash Flows of the FY2023 document (p118, Consolidated 2023 and 2022 columns) prints operating lines 'Cash used in operations', 'Interest received', 'Interest paid', 'Interest paid on lease liabilities', 'Tax paid'; investing lines 'Purchase of property and equipment' and 'Purchase of intangible assets' only; financing lines 'Proceeds from borrowings', 'Repayment of borrowing', 'Payment of principal portion of lease liabilities', 'Dividends paid'. There is no 'Short term borrowings Central Bank' line for 2022. Checked on the page image (p118).
  25. Printed under different labels across filings: “Repayment of borrowing”; “Repayment of borrowings”.
  26. Annual report dated 2025-03-28 prints (4,047,424) (thousands, p156) for this line and year.
  27. Not reported in this filing: Not reported separately: The Consolidated and Bank Statement of Cash Flows of the FY2023 document (p118, Consolidated 2023 and 2022 columns) prints operating lines 'Cash used in operations', 'Interest received', 'Interest paid', 'Interest paid on lease liabilities', 'Tax paid'; investing lines 'Purchase of property and equipment' and 'Purchase of intangible assets' only; financing lines 'Proceeds from borrowings', 'Repayment of borrowing', 'Payment of principal portion of lease liabilities', 'Dividends paid'. No 'Interest paid on borrowings' line is printed for 2023; the statement prints one 'Interest paid' line ((6,538,520)) in operating activities, already transcribed as interest paid on deposits. Whether that single line includes borrowings interest is not stated on the face. Checked on the page image (p118).
  28. Not reported in this filing: Not reported separately: The Consolidated and Bank Statement of Cash Flows of the FY2023 document (p118, Consolidated 2023 and 2022 columns) prints operating lines 'Cash used in operations', 'Interest received', 'Interest paid', 'Interest paid on lease liabilities', 'Tax paid'; investing lines 'Purchase of property and equipment' and 'Purchase of intangible assets' only; financing lines 'Proceeds from borrowings', 'Repayment of borrowing', 'Payment of principal portion of lease liabilities', 'Dividends paid'. No 'Interest paid on borrowings' line is printed for 2022; the statement prints one 'Interest paid' line ((3,891,585)) in operating activities, already transcribed as interest paid on deposits. Whether that single line includes borrowings interest is not stated on the face. Checked on the page image (p118).
  29. Printed under different labels across filings: “Payment of principal portion of lease liabili-ties”; “Payment of principal portion of lease liabilities”.
  30. Annual report dated 2025-03-28 prints (480,469) (thousands, p156) for this line and year.
  31. “Investment in subsidiary” is an issuer-specific line, not mapped to a shared definition: Financing (note 20); printed '-' in both Consolidated years.
  32. Not reported in this filing: Not reported: The Consolidated and Bank Statement of Cash Flows of the FY2023 document (p118, Consolidated 2023 and 2022 columns) prints operating lines 'Cash used in operations', 'Interest received', 'Interest paid', 'Interest paid on lease liabilities', 'Tax paid'; investing lines 'Purchase of property and equipment' and 'Purchase of intangible assets' only; financing lines 'Proceeds from borrowings', 'Repayment of borrowing', 'Payment of principal portion of lease liabilities', 'Dividends paid'. There is no 'Investment in subsidiary' line for 2023. Checked on the page image (p118).
  33. Not reported in this filing: Not reported: The Consolidated and Bank Statement of Cash Flows of the FY2023 document (p118, Consolidated 2023 and 2022 columns) prints operating lines 'Cash used in operations', 'Interest received', 'Interest paid', 'Interest paid on lease liabilities', 'Tax paid'; investing lines 'Purchase of property and equipment' and 'Purchase of intangible assets' only; financing lines 'Proceeds from borrowings', 'Repayment of borrowing', 'Payment of principal portion of lease liabilities', 'Dividends paid'. There is no 'Investment in subsidiary' line for 2022. Checked on the page image (p118).
  34. “Dividend income received” is an issuer-specific line, not mapped to a shared definition: Financing (note 7); printed '-' in both Consolidated years.
  35. Not reported in this filing: Not reported: The Consolidated and Bank Statement of Cash Flows of the FY2023 document (p118, Consolidated 2023 and 2022 columns) prints operating lines 'Cash used in operations', 'Interest received', 'Interest paid', 'Interest paid on lease liabilities', 'Tax paid'; investing lines 'Purchase of property and equipment' and 'Purchase of intangible assets' only; financing lines 'Proceeds from borrowings', 'Repayment of borrowing', 'Payment of principal portion of lease liabilities', 'Dividends paid'. There is no 'Dividend income received' line for 2023. Checked on the page image (p118).
  36. Not reported in this filing: Not reported: The Consolidated and Bank Statement of Cash Flows of the FY2023 document (p118, Consolidated 2023 and 2022 columns) prints operating lines 'Cash used in operations', 'Interest received', 'Interest paid', 'Interest paid on lease liabilities', 'Tax paid'; investing lines 'Purchase of property and equipment' and 'Purchase of intangible assets' only; financing lines 'Proceeds from borrowings', 'Repayment of borrowing', 'Payment of principal portion of lease liabilities', 'Dividends paid'. There is no 'Dividend income received' line for 2022. Checked on the page image (p118).
  37. “Proceeds from issue of shares” is an issuer-specific line, not mapped to a shared definition: Financing (note 29).
  38. Not reported in this filing: Not reported: The Consolidated and Bank Statement of Cash Flows of the FY2023 document (p118, Consolidated 2023 and 2022 columns) prints operating lines 'Cash used in operations', 'Interest received', 'Interest paid', 'Interest paid on lease liabilities', 'Tax paid'; investing lines 'Purchase of property and equipment' and 'Purchase of intangible assets' only; financing lines 'Proceeds from borrowings', 'Repayment of borrowing', 'Payment of principal portion of lease liabilities', 'Dividends paid'. There is no 'Proceeds from issue of shares' line for 2023. Checked on the page image (p118).
  39. Not reported in this filing: Not reported: The Consolidated and Bank Statement of Cash Flows of the FY2023 document (p118, Consolidated 2023 and 2022 columns) prints operating lines 'Cash used in operations', 'Interest received', 'Interest paid', 'Interest paid on lease liabilities', 'Tax paid'; investing lines 'Purchase of property and equipment' and 'Purchase of intangible assets' only; financing lines 'Proceeds from borrowings', 'Repayment of borrowing', 'Payment of principal portion of lease liabilities', 'Dividends paid'. There is no 'Proceeds from issue of shares' line for 2022. Checked on the page image (p118).
  40. Printed under different labels across filings: “Net cash flows from financing activities”; “Net cash generated from/ (used in) financing activities”.
  41. Annual report dated 2025-03-28 prints (7,952,861) (thousands, p156) for this line and year.
  42. Printed under different labels across filings: “Decrease in cash and cash equivalents”; “Net increase in cash and cash equivalents during the period”.
  43. Annual report dated 2025-03-28 prints (610,889) (thousands, p156) for this line and year.
  44. Annual report dated 2025-03-28 prints (1,227,020) (thousands, p156) for this line and year.
  45. Printed under different labels across filings: “Cash and cash equivalents at beginning of the period”; “Cash and cash equivalents at start of the year”.
  46. Annual report dated 2025-03-28 prints 3,175,178 (thousands, p156) for this line and year.
  47. Annual report dated 2025-03-28 prints 4,402,198 (thousands, p156) for this line and year.
  48. Printed under different labels across filings: “Cash & cash equivalents at end of the year”; “Cash and cash equivalents at end year”.
  49. Annual report dated 2025-03-28 prints 2,564,289 (thousands, p156) for this line and year.

Per share and shares

Per share and shares. Columns: FY2025 — annual report (signed / final), as reported for the year; FY2024 — annual report (signed / final), comparative reported in the annual report for 2025; FY2023 — annual report (signed / final), as reported for the year; FY2022 — annual report (signed / final), comparative reported in the annual report for 2023.
Line (as printed) FY2025Annual reportreported for the yearFY2024Annual reportcomparative in FY2025 filingFY2023Annual reportreported for the yearFY2022Annual reportcomparative in FY2023 filing
Earnings / (loss) per share (per share)1 3.93 2.65 1.95 1.72
Notes and alternative reported figures (1)
  1. Earnings / (loss) per share: printed as “Earnings per share (basic and diluted) (Kshs)”.

Segments

Segment data not yet collected for this company in the pilot.

Dividends

Proposed or recommended, declared and paid are different events and are kept apart. A statement that no dividend was proposed does not mean none was paid.

Dividend events, the issuer's wording, and amounts as printed
Year endedEventWording as printedAmountUnitSource
31 Dec 2025 Dividends paid (cash flow statement) Dividends paid (1,108,500) KES thousands Annual report, p168
31 Dec 2024 Dividends paid (cash flow statement) Dividends paid (722,968) KES thousands Annual report, p168
31 Dec 2023 Dividends paid (cash flow statement) Dividends paid (794,914) KES thousands Annual report, p118
31 Dec 2022 Dividends paid (cash flow statement) Dividends paid (1,068,300) KES thousands Annual report, p118

Sources

Each filing used on this page, newest period first. Dates are the document's own; the date we retrieved a file is shown separately and is never a publication date.

  • Family Bank Integrated Report & Financial Statements 2025

    Year ended 31 December 2025 · Annual report · signed / final

    Audit: PricewaterhouseCoopers LLP (Certified Public Accountants, Nairobi), unmodified opinion · signed

    Auditor's sign-off: CPA Patrick Kiambi (practising certificate 2056), for and on behalf of PricewaterhouseCoopers LLP

    Final status: Independent auditor's report (PDF pp160-163) with an unmodified opinion on the consolidated and Bank financial statements (pages 164 to 274), signed by hand above 'CPA Patrick Kiambi, Practicing Certificate Number 2056, Engagement partner ... For and on behalf of PricewaterhouseCoopers LLP, Certified Public Accountants, Nairobi', dated 31 March 2026, with a QR code 'UNIQUE CODE: 58277260330' (PDF p163, page image). The statements were approved by the board on 30 March 2026 and signed by hand by Lazarus Muema (Director), Prof. Winnie Nyamute (Director) and Nancy Njau (Managing Director & CEO) (PDF p165, page image).

    Document date
    31 Mar 2026
    Auditor's report
    31 Mar 2026
    Board approval
    30 Mar 2026
    Retrieved by us
    8 Oct 2026 (not a publication date)
    Used for
    statement columns FY2025, FY2024
    Basis
    consolidated statements · KES thousands (printed “Kshs 000”)
    • Cash and cash equivalents at the end of the year (17,114,065; 2024: 7,885,711, note 31(b)) equal cash and balances with CBK plus balances due from banking institutions less balances due to banking institutions on p165 (9,801,482 + 7,874,262 - 561,679; 2024: 12,153,067 + 2,858,176 - 7,125,532).
    • Interest paid on borrowings is presented in financing activities; interest paid on deposits and on leases in operating activities (p168). The statement prints no foreign-exchange effect on cash.
    • The gain on revaluation of properties is printed under 'Items that may be reclassified to profit' (p164). Kept as printed.
    • The statement of financial position is unclassified (bank format): no current / non-current subtotals are printed (p165).
    • The 2024 cash-flow comparatives are printed '*Restated' (p168). Note 35 (PDF p274): Cash Reserve Ratio balances held with the Central Bank of Kenya, previously excluded, are now included in cash and cash equivalents (IAS 8 prior-period error); Group 2024 operating cash flow restated from 7,377,967 to 8,361,768 (+983,801), opening cash from 3,175,176 to 7,512,798, closing cash from 2,564,288 to 7,885,711. The income statement and statement of financial position comparatives are not marked restated.
    Technical details
    File
    292 pages, with a text layer
    SHA-256
    129773f4f5a45ee67fff5617ae720698368a85d810e53d697f97eb0d55274f23
    Entity as printed
    Family Bank Limited (the 'Bank') and its subsidiaries (together, the Group)
    Issuer copy
    retrieved 2026-10-08T19:51:28Z

  • Family Bank Integrated Report & Financial Statements 2024

    Year ended 31 December 2024 · Annual report · signed / final

    Audit: PricewaterhouseCoopers LLP (Certified Public Accountants, Nairobi), unmodified opinion · signed

    Auditor's sign-off: FCPA Richard Njoroge (practising certificate 1244), for and on behalf of PricewaterhouseCoopers LLP

    Final status: Independent auditor's report (PDF pp148-151) with an unmodified opinion on the consolidated and Bank financial statements (pages 152-244), signed by hand above 'FCPA Richard Njoroge, Practicing Certificate Number 1244, Engagement partner responsible for the audit, For and on behalf of PricewaterhouseCoopers LLP, Certified Public Accountants, Nairobi', dated 28 March 2025 (PDF p151, page image). The statements were approved for issue by the board on 28 March 2025 and signed by hand by Lazarus Muema (Board Chair) and Nancy Njau (Managing Director & CEO) (PDF p153, page image).

    Document date
    28 Mar 2025
    Auditor's report
    28 Mar 2025
    Board approval
    28 Mar 2025
    Retrieved by us
    8 Oct 2026 (not a publication date)
    Used for
    not a column source (supplementary or comparison only)
    Basis
    consolidated statements · KES thousands (printed “Kshs 000”)
    • Consolidated statement of cash flows 2024: the printed financing lines (325,000; (4,047,424); (3,000,000); (480,469); (722,968)) sum to (7,925,861), but 'Net cash (outflow) / (inflow) from financing activities' is printed (7,952,861) (difference 27,000). The printed total agrees with the printed decrease in cash (610,889). Kept as printed; checked on the page image (p156).
    • The statement of financial position is unclassified (bank format): no current / non-current subtotals are printed (p153). The statement of cash flows prints no foreign-exchange effect on cash; interest paid on borrowings is not shown separately (p156).
    • The FY2025 report (fin-r3-w09/familybank_fy2025, note 35) restates the 2024 cash-flow statement to include Cash Reserve Ratio balances with the Central Bank of Kenya in cash and cash equivalents (closing cash 2,564,288 -> 7,885,711). This document's figures are the originally reported ones.
    • Net trading income and other income both print note reference '8 (c)' (p152; text layer and page image).
    Technical details
    File
    260 pages, with a text layer
    SHA-256
    2cb933e70942af173072d2d96339d6b3eac183006401f6b4cafdf39b024cdaab
    Entity as printed
    Family Bank Limited (the 'Bank') and its subsidiary (together, the Group)
    Issuer copy
    retrieved 2026-10-08T19:51:38Z

  • Family Bank Integrated Report & Financial Statements 2023

    Year ended 31 December 2023 · Annual report · signed / final

    Audit: PricewaterhouseCoopers LLP (Certified Public Accountants, Nairobi), unmodified opinion · signed

    Auditor's sign-off: FCPA Richard Njoroge (practising certificate 1244), for and on behalf of PricewaterhouseCoopers LLP

    Final status: Independent auditor's report (PDF pp110-113) with an unmodified opinion on the consolidated and Bank financial statements (pages 114 to 193), handwritten signature above 'FCPA Richard Njoroge, Practicing Certificate Number 1244, Engagement partner responsible for the audit, For and on behalf of PricewaterhouseCoopers LLP, Certified Public Accountants, Nairobi', dated 27 March 2024 (PDF p113, page image). The statements on pages 114 to 193 were approved for issue by the board of directors on 08 March 2024 and signed by hand by Dr. Wilfred D. Kiboro (Director) and Nancy Njau (Managing Director & CEO) (PDF p115, page image).

    Document date
    27 Mar 2024
    Auditor's report
    27 Mar 2024
    Board approval
    8 Mar 2024
    Retrieved by us
    8 Oct 2026 (not a publication date)
    Used for
    statement columns FY2023, FY2022
    Basis
    consolidated statements · KES thousands (printed “Kshs'000”)
    • The board approval date printed under the statement of financial position (08 March 2024, p115) precedes the auditor's report date (27 March 2024, p113). Both kept as printed.
    • The statement of financial position is unclassified (bank format): no current / non-current subtotals (p115). Current income tax is printed both as an asset (48,484; 2022: 8,702) and as a liability ('-'; 2022: 25,324). The statement of cash flows prints no foreign-exchange effect on cash (p118).
    • Later reports restate cash and cash equivalents to include Cash Reserve Ratio balances (see the FY2025 spec, note 35); this document's figures are the originally reported ones.
    Technical details
    File
    204 pages, with a text layer
    SHA-256
    12cb7a29e1d21c2374189b02f21d92f1f29fe819a513dbe77b1fe5c9fa0ad8db
    Entity as printed
    Family Bank Limited (the 'Bank' or 'Company') and its subsidiary (together, the Group)
    Issuer copy
    retrieved 2026-10-08T19:51:48Z

Data notes

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Review status: every figure has been located on its cited source page in an AI-assisted source verification (matched to the document's text) (17 October 2026). Independent review is pending for every figure; automated checks and the AI-assisted verification are not independent review.

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