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Standard Chartered Kenya

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

On this page
Company details
Legal name
Standard Chartered Bank Kenya Limited
Incorporated in
Kenya
Listing
SCBK on the Nairobi Securities Exchange, active · ISIN KE0000000448 (observed 2026-10-07)
Sector
Banking (our classification from the stated principal activity)
Activity
Banking and provision of related services in Kenya.
Financial year ends
31 December

Overview

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

  • Net interest income

    KES 28.9 billion

    28,891,842 KES thousands · p126

    −13.1% vs 2024

    Interest income less interest expense, as printed.

  • Operating income

    KES 41.9 billion

    41,886,782 KES thousands · p126

    −16.7% 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 12.4 billion

    12,436,571 KES thousands · p126

    −38.0% vs 2024

  • Total assets

    KES 363 billion

    363,491,556 KES thousands · p128

    −5.5% vs 2024

  • Customer deposits

    KES 283 billion

    283,451,830 KES thousands · p128

    −4.1% vs 2024

  • Total equity

    KES 66.3 billion

    66,320,181 KES thousands · p128

    −7.6% 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; comparative in the FY2024 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), comparative reported in the annual report for 2024.
Line (as printed) FY2025Annual reportreported for the yearFY2024Annual reportcomparative in FY2025 filingFY2023Annual reportcomparative in FY2024 filing
Interest income calculated using the effective interest method 32,827,083 38,815,684 32,352,169
Interest expense calculated using the effective interest method (3,935,241) (5,550,381) (3,507,761)
Net interest income 28,891,842 33,265,303 28,844,408
Fees and commission income 10,196,132 9,193,627 7,586,384
Fees and commission expense (3,464,230) (2,530,268) (1,632,407)
Net fee and commission income 6,731,902 6,663,359 5,953,977
Net gains on foreign exchange transactions 3,420,248 8,266,151 8,500,334
Net gains on financial assets at fair value through profit or loss1 2,721,071 3,246,460 728,085
Net trading income 6,141,319 11,512,611 9,228,419
Other operating income/(loss)2 121,719 (1,174,095) (3,166,798)
Operating income 41,886,782 50,267,178 40,860,006
Staff costs (11,477,870) (9,433,617) (8,145,029)
Premises costs3 (935,728) (866,127) (767,008)
General administrative expenses (9,347,482) (8,273,718) (7,623,444)
Depreciation and amortisation45 (1,509,123) (1,420,626) (1,361,928)
Operating expenses (23,270,203) (19,994,088) (17,897,409)
Operating profit before impairment losses and taxation6 18,616,579 30,273,090 22,962,597
Impairment losses on financial instruments (1,741,525) (1,763,610) (3,217,995)
Impairment losses on goodwill and intangible assets7 (38,360) (301,244) Not reported in this filing8
Profit before taxation9 16,836,694 28,208,236 19,668,482
Income tax expense (4,400,123) (8,147,649) (5,833,015)
Profit for the year 12,436,571 20,060,587 13,835,467
Other comprehensive (loss)/income for the year10 (701,378) 2,013,903 (20,737)
Total comprehensive income for the year 11,735,193 22,074,490 13,814,730
Impairment losses on property and equipment11 Not reported in this filing12 Not reported in this filing1213 (76,120)
Notes and alternative reported figures (13)
  1. “Net gains on financial assets at fair value through profit or loss” is an issuer-specific line, not mapped to a shared definition: Note 8; part of net trading income.
  2. Printed under different labels across filings: “Other operating income/(loss)”; “Other operating loss”.
  3. “Premises costs” is an issuer-specific line, not mapped to a shared definition: Note 11.
  4. “Depreciation and amortisation” is an issuer-specific line, not mapped to a shared definition: Note 11; one combined line.
  5. Printed under different labels across filings: “Depreciation and amortisation”; “Depreciation and amortization”.
  6. Printed under different labels across filings: “Operating profit before impairment losses and tax”; “Operating profit before impairment losses and taxation”.
  7. “Impairment losses on goodwill and intangible assets” is an issuer-specific line, not mapped to a shared definition: Note 27.
  8. Not reported in this filing: Not printed: the statement of profit or loss of this filing (PDF p153) has no 'Impairment losses on goodwill and intangible assets' line for this column.
  9. Printed under different labels across filings: “Profit before tax”; “Profit before taxation”.
  10. Printed under different labels across filings: “Other comprehensive (loss)/income for the year”; “Other comprehensive income/(loss) for the year”.
  11. “Impairment losses on property and equipment” is an issuer-specific line, not mapped to a shared definition: Note 27 (2024 report).
  12. Not reported in this filing: Not printed: the statement of profit or loss of this filing (PDF p126) has no 'Impairment losses on property and equipment' line for this column.
  13. Annual report dated 2025-03-20 presents this line for this year: (301,244) (p153). Not shown in this column, which follows one filing's presentation.

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), comparative reported in the annual report for 2024.
Line (as printed) FY2025Annual reportreported for the yearFY2024Annual reportcomparative in FY2025 filingFY2023Annual reportcomparative in FY2024 filing
Cash and balances with Central Bank of Kenya 11,571,042 32,339,549 42,901,755
Government and other securities held at FVPTL 10,485,170 818,815 5,768,468
Derivative financial instruments 565,052 3,231,435 925,051
Loans and advances to banks 740,884 1,157,643 3,957,778
Loans and advances to customers amortised cost1 148,607,362 151,647,379 163,161,777
Loans and advances to customers FVTPL2 5,699,677 –3 Not reported in this filing4
Government securities held at FVOCI 96,901,825 98,002,713 63,834,200
Current tax assets 846,187 1,080,212 1,185,327
Other assets 5,098,465 6,361,410 6,124,762
Amounts due from group companies and other related parties56 71,345,065 78,564,954 129,253,610
Non-current assets held for sale7 1,411,120 215,280 198,600
Property, equipment and right of use assets8 1,997,689 3,256,272 2,969,518
Goodwill and intangible assets9 5,243,688 5,516,312 5,016,586
Deferred tax assets 2,978,330 2,382,115 3,664,743
Total assets 363,491,556 384,574,089 428,962,175
Deposits from banks 1,280,365 306,862 4,327,045
Deposits from customers 283,451,830 295,690,089 342,853,241
Derivative financial instruments 1,178,207 1,164,920 1,109,841
Other liabilities 6,959,865 5,771,847 9,333,178
Amounts due to group companies and other related parties1011 4,272,683 8,087,854 9,757,711
Current tax liabilities 28,425 1,742,437 –12
Retirement benefit obligations –12 33,960 48,892
Total liabilities 297,171,375 312,797,969 367,429,908
Share capital and share premium13 9,961,680 9,961,680 9,961,680
Other reserves14 3,125,455 4,061,220 1,976,684
Retained earnings 44,457,792 43,688,518 40,818,649
Proposed dividends15 8,775,254 14,064,702 8,775,254
Total shareholders' equity 66,320,181 71,776,120 61,532,267
Total liabilities and shareholders' equity 363,491,556 384,574,089 428,962,175
  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 (13)
  1. Printed under different labels across filings: “Loans and advances to customers”; “Loans and advances to customers amortised cost”.
  2. “Loans and advances to customers FVTPL” is an issuer-specific line, not mapped to a shared definition: Note 19.
  3. Not reported in this filing: Not printed: the statement of financial position of this filing (PDF p155) has no 'Loans and advances to customers FVTPL' line for this column.
  4. “Amounts due from group companies and other related parties” is an issuer-specific line, not mapped to a shared definition: Note 22: balances with other Standard Chartered Group entities.
  5. Printed under different labels across filings: “Amounts due from group companies and other related parties”; “Due from group companies and other related parties”.
  6. “Non-current assets held for sale” is an issuer-specific line, not mapped to a shared definition: Note 25.
  7. “Property, equipment and right of use assets” is an issuer-specific line, not mapped to a shared definition: Note 26; one line.
  8. “Goodwill and intangible assets” is an issuer-specific line, not mapped to a shared definition: Note 27; one line.
  9. “Amounts due to group companies and other related parties” is an issuer-specific line, not mapped to a shared definition: Note 22.
  10. Printed under different labels across filings: “Amounts due to group companies and other related parties”; “Due to group companies and other related parties”.
  11. “Share capital and share premium” is an issuer-specific line, not mapped to a shared definition: Note 35: ordinary and preference share capital and premium, one line.
  12. “Other reserves” is an issuer-specific line, not mapped to a shared definition: Note 35(a): capital contribution, fair value and revaluation reserves.
  13. “Proposed dividends” is an issuer-specific line, not mapped to a shared definition: Note 15: proposed final dividends (ordinary and preference) held in equity until approved.

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), comparative reported in the annual report for 2024.
Line (as printed) FY2025Annual reportreported for the yearFY2024Annual reportcomparative in FY2025 filingFY2023Annual reportcomparative in FY2024 filing
Profit before tax1 16,836,694 28,208,236 19,668,482
Adjustments for non-cash items and other adjustments included within income statement2 (6,764,856) (7,428,445)3 1,878,515
Change in operating assets4 (4,818,794) 13,380,2705 (40,571,445)
Change in operating liabilities6 (17,630,619) (52,404,561)7 52,229,237
Cash used in operating activities8 (12,377,575) (18,244,500)9 33,204,789
Income taxes paid (6,175,734) (5,880,569) (8,195,305)
Net cash used operating activities10 (18,553,309) (24,125,069)11 25,009,484
Purchase of property and equipment (315,454) (678,385)12 (637,619)
Proceeds from sale of non current assets held for sale13 230,000 23,160 Not reported in this filing14
Proceeds from sale of property and equipment 4,200 –1516 3,363
Purchase of intangible assets (824,243) (1,779,219) (1,896,648)
Net cash used in investing activities17 (905,497) (2,434,444)18 (2,530,904)
Lease liability payments- principal (123,841) (101,763) Not reported in this filing19
Share based payments: • 2024/2023 settled2021 (227,574) (176,382) (114,861)
• Final 2024/20232223 (13,980,472) (8,690,564) (6,045,610)
• Interim 2025/20242425 (3,022,805) (3,022,805) (2,267,104)
• Final 2024/20232223 (84,230) (84,690) (84,690)
• Interim 2025/20242425 (83,310) (83,770) (83,310)
Net cash used in financing activities (17,522,232) (12,159,974)26 (8,753,532)
Decrease in cash and cash equivalents27 (36,981,038) (38,719,487)28 13,725,048
Cash and cash equivalents at 1 January 72,658,953 111,378,44029 74,575,796
Cash and cash equivalents at 31 December 35,677,915 72,658,95330 88,300,844
Lease liability payments31 Not reported in this filing32 Not reported in this filing3233 (157,957)
  1. Printed “-”, read as nil: subtotal_arithmetic: cf.cash_from_investing.
Notes and alternative reported figures (32)
  1. “Profit before tax” is an issuer-specific line, not mapped to a shared definition: First line of the indirect operating cash flow.
  2. “Adjustments for non-cash items and other adjustments included within income statement” is an issuer-specific line, not mapped to a shared definition: Note 36(a).
  3. Annual report dated 2025-03-20 prints 1,724,086 (thousands, p158) for this line and year.
  4. “Change in operating assets” is an issuer-specific line, not mapped to a shared definition: Note 36(b).
  5. Annual report dated 2025-03-20 prints 5,199,993 (thousands, p158) for this line and year.
  6. “Change in operating liabilities” is an issuer-specific line, not mapped to a shared definition: Note 36(c).
  7. Annual report dated 2025-03-20 prints (50,646,991) (thousands, p158) for this line and year.
  8. Printed under different labels across filings: “Cash (used in)/generated from operating activities”; “Cash used in operating activities”.
  9. Annual report dated 2025-03-20 prints (15,514,676) (thousands, p158) for this line and year.
  10. Printed under different labels across filings: “Net cash (used in)/generated from operating activities”; “Net cash used operating activities”.
  11. Annual report dated 2025-03-20 prints (21,395,245) (thousands, p158) for this line and year.
  12. Annual report dated 2025-03-20 prints (756,639) (thousands, p158) for this line and year.
  13. “Proceeds from sale of non current assets held for sale” is an issuer-specific line, not mapped to a shared definition: Investing activities.
  14. Not reported in this filing: Not printed: the statement of cash flows of this filing (PDF p158) has no 'Proceeds from sale of non current assets held for sale' line for this column.
  15. Annual report dated 2025-03-20 prints 23,160 (thousands, p158) for this line and year.
  16. Printed under different labels across filings: “Net cash used in investing activities”; “Net cash used in investing activities (printed 'Net cash (used in)/generated from operating activities')”.
  17. Annual report dated 2025-03-20 prints (2,512,698) (thousands, p158) for this line and year.
  18. Not reported in this filing: Not printed: the statement of cash flows of this filing (PDF p158) has no 'Payment of principal portion of lease liabilities' line for this column.
  19. “Share based payments: • 2024/2023 settled” is an issuer-specific line, not mapped to a shared definition: Financing activities.
  20. Printed under different labels across filings: “Share based payments: – 2023/2022 settled”; “Share based payments: • 2024/2023 settled”.
  21. “• Final 2024/2023” is an issuer-specific line, not mapped to a shared definition: Note 15; financing activities.
  22. Printed under different labels across filings: “– Final 2023/2022”; “• Final 2024/2023”.
  23. “• Interim 2025/2024” is an issuer-specific line, not mapped to a shared definition: Note 15; financing activities.
  24. Printed under different labels across filings: “– Interim 2024/2023”; “• Interim 2025/2024”.
  25. Annual report dated 2025-03-20 prints (12,169,436) (thousands, p158) for this line and year.
  26. Printed under different labels across filings: “(Decrease)/increase in cash and cash equivalents”; “Decrease in cash and cash equivalents”.
  27. Annual report dated 2025-03-20 prints (36,077,379) (thousands, p158) for this line and year.
  28. Annual report dated 2025-03-20 prints 88,300,844 (thousands, p158) for this line and year.
  29. Annual report dated 2025-03-20 prints 52,223,465 (thousands, p158) for this line and year.
  30. “Lease liability payments” is an issuer-specific line, not mapped to a shared definition: Note 33; financing activities (the 2025 report shows principal only).
  31. Not reported in this filing: Not printed: the statement of cash flows of this filing (PDF p131) has no 'Lease liability payments' line for this column.
  32. Annual report dated 2025-03-20 presents this line for this year: (111,225) (p158). Not shown in this column, which follows one filing's presentation.

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), comparative reported in the annual report for 2024.
Line (as printed) FY2025Annual reportreported for the yearFY2024Annual reportcomparative in FY2025 filingFY2023Annual reportcomparative in FY2024 filing
Earnings / (loss) per share (per share)1 32.47 52.65 36.17
Profit / (loss) attributable to shareholders (KES thousands)2 12,268,571 19,892,587 13,667,467
Weighted average shares (shares)3 377,850,589 377,850,589 377,850,589
Notes and alternative reported figures (3)
  1. Earnings / (loss) per share: printed as “Basic and diluted earnings per ordinary share”.
  2. Profit / (loss) attributable to shareholders: printed as “Profit attributable to ordinary shareholders”.
  3. Weighted average shares: printed as “Weighted average number of ordinary shares outstanding during the year”.

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 Dividend recommended, subject to shareholder approval the payment of a final dividend of KShs 23.00 for every ordinary share of KShs 5.00 on the issued share capital of the Company in respect of the year ended 31 December 2025 (2024: KShs 37.00) no amount Annual report, p61
31 Dec 2025 Dividend proposed per share, as printed in a statement Final dividend proposed for the year, per ordinary share 23.00 KES per share Annual report, p61
31 Dec 2024 Dividend recommended, subject to shareholder approval payment of a final dividend of KShs 37.00 for every ordinary share of KShs 5.00 on the issued share capital of the Company in respect of the year ended 31 December 2024 (2023: KShs 23.00) no amount Annual report, p76
31 Dec 2024 Dividend proposed per share, as printed in a statement Final dividend proposed for the year, per ordinary share 37.00 KES per share Annual report, p61
31 Dec 2024 Dividend proposed per share, as printed in a statement Final dividend proposed for the year, per ordinary share 37.00 KES per share Annual report, p76
31 Dec 2023 Dividend proposed per share, as printed in a statement Final dividend proposed for the year, per ordinary share 23.00 KES per share Annual report, p76

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.

  • Standard Chartered Bank Kenya Limited Annual Report 2025

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

    Audit: Ernst & Young LLP (Kenya), unmodified opinion · signed

    Auditor's sign-off: Ernst & Young LLP; engagement partner CPA Tom Nyakoe (Practising Certificate No. 2283)

    Final status: Auditor's report dated 18 March 2026 and signed for Ernst & Young LLP (engagement partner CPA Tom Nyakoe) (PDF p125, page image); statements approved by the board on 18 March 2026 and signed by three directors (PDF p128, page image).

    Document date
    18 Mar 2026
    Auditor's report
    18 Mar 2026
    Board approval
    18 Mar 2026
    Retrieved by us
    7 Oct 2026 (not a publication date)
    Used for
    statement columns FY2025, FY2024
    Basis
    consolidated statements · KES thousands (printed “KShs '000”)
    • Note 36(d) (PDF p235): the statement of cash flows 'has been restated' to include the cash reserve ratio balance in cash and cash equivalents. The 2024 column is not marked as restated on the statement (PDF p131). The 2024 figures differ from the 2024 report's (e.g. closing cash 72,658,953 here, 52,223,465 there; non-cash adjustments (7,428,445) here, 1,724,086 there), so the 2024 cash flow is recorded as restated in the notes only, without the on-page restated flag.
    • Cash and cash equivalents in the statement of cash flows (35,677,915; 2024: 72,658,953; note 36(d)) include unrestricted Central Bank balances, short-dated treasury bills and placements with banks and group companies; they are not one line of the statement of financial position.
    • Interest received (33,190,052), interest paid ((3,933,610)) and dividends received are printed below the statement of cash flows as supplementary information (inside 'Cash used in operating activities'); they are not transcribed as lines.
    • The bank has ordinary and preference shares; only the ordinary shares are listed. EPS (32.47; 2024: 52.65) is on profit attributable to ordinary shareholders after preference dividends (note 14: KShs 12,268,571,000; 2024: 19,892,587,000), which is recorded.
    • Interim dividend KShs 8.00 per ordinary share (2024: 8.00); proposed final KShs 23.00 (2024: 37.00) (report of the directors).
    Technical details
    File
    241 pages, with a text layer
    SHA-256
    43c8384dfa42a6505d7ee6c30771ea7e9357f88150fcedccdb54adb19fe818b2
    Entity as printed
    Standard Chartered Bank Kenya Limited (the Company or Bank) and its Subsidiaries (together, the Group)
    Issuer copy
    retrieved 2026-10-07T18:22:19Z · curl

  • Standard Chartered Bank Kenya Limited - Annual Report 2024

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

    Audit: Ernst & Young LLP (Kenya), unmodified opinion · signed

    Auditor's sign-off: Ernst & Young LLP; engagement partner CPA Tom Nyakoe (Practising Certificate No. 2283)

    Final status: Auditor's report dated 20 March 2025 and signed for Ernst & Young LLP (engagement partner CPA Tom Nyakoe) (PDF p152, page image); statements approved by the board on 19 March 2025 and signed by three directors (PDF p155, page image).

    Document date
    20 Mar 2025
    Auditor's report
    20 Mar 2025
    Board approval
    19 Mar 2025
    Retrieved by us
    7 Oct 2026 (not a publication date)
    Used for
    statement columns FY2023
    Basis
    consolidated statements · KES thousands (printed “KShs '000”)
    • Statement of cash flows (PDF p158): the investing section is headed 'Cash flows from financing activities' and its subtotal (2,512,698) is labelled 'Net cash (used in)/generated from operating activities'; the amounts are the investing lines. Recorded as the investing subtotal with the printed label noted.
    • This report's 2024 cash flow is restated in the 2025 report (note 36(d) there: the cash reserve ratio balance now counted in cash and cash equivalents); closing cash 52,223,465 here against 72,658,953 there.
    • EPS (52.65; 2023: 36.17) is on profit attributable to ordinary shareholders after preference dividends (note 14: KShs 19,892,587,000; 2023: 13,667,467,000). Interest received and paid are printed below the statement as supplementary information.
    Technical details
    File
    280 pages, with a text layer
    SHA-256
    b9a39176659a1c7f6aa4c5ee96576bb5bcf51bbed6e2339c17021ced8fd865bf
    Entity as printed
    Standard Chartered Bank Kenya Limited (the Company or Bank) and its Subsidiaries (together, the Group)
    Issuer copy
    retrieved 2026-10-07T18:22:22Z · curl

Data notes

No figure-level notes beyond those in the tables.

Review status: every figure has been checked against its cited source page in an AI-assisted source verification (7 October 2026). Independent review is pending for every figure; automated checks and the AI-assisted verification are not independent review.

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