Africa-Press – Kenya. HF Group has posted a 250 percent profit before tax growth of Sh1.61 billion for the financial year ended 2025, compared to Sh460 million recorded in 2024.
The strong performance was driven by increased net interest income, sustained momentum in non‐funded revenue streams, continued expansion of the deposit franchise and improvements in operational efficiency.
Total operating income increased by 48 per cent to Sh6.17 billion with net interest income mainly from loans and mortgages growing 64 per cent to Sh4.36 billion.
Non-funded income, which is basically from service fees, commissions and transaction charges grew by 20 per cent to Sh1.81 billion. Income from government securities grew significantly by 79 per cent to Sh2.83 billion, further supporting overall earnings growth.
“These results demonstrate that our transformation strategy continues to deliver strong and sustainable growth. We have strengthened our balance sheet, grown our deposit base, diversified our income streams, and improved operational efficiency across the Group,” Group CEO Robert Kibaara said.
According to Kibaara, the financial year 2025 results confirm the Group’s solid operational momentum, strengthened balance sheet, and expanding base of revenue-generating assets, firmly positioning HF Group for sustainable long-term growth.
“Our focus now is on scaling digital platforms, expanding our financial solutions and deepening customer relationships to drive long-term value for our shareholders and customers,” he said.
HF Group recorded 17 per cent year-on-year growth in total assets to Sh82.4 billion, driven by improved market activity. Total deposits grew by 19 per cent to Sh56.90 billion, on the back of enhanced customer value propositions.
The Group also achieved a 130 basis point reduction in the cost of deposits year-on-year, underscoring the strength of its diversified value proposition.
The Group maintained strong capital and liquidity positions, with the liquidity ratio closing at 51.5 per cent, more than double the regulatory minimum of 20 per cent, while the core capital to risk-weighted assets ratio stood at 21.8 per cent, well above regulatory requirements.
Core capital has now surpassed Sh10 billion, enabling the Group to meet revised regulatory capital requirements four years ahead of the 2029 deadline.
