KCB Says Mobile Loan Disbursements Rose to Ksh 543.9 Billion

KCB Group gave out mobile loans worth Ksh 543.9 billion in 2025, equal to about Ksh 1.5 billion every day, according to the bank’s latest Integrated Report.

The report shows KCB has now disbursed more than Ksh 1.6 trillion through its mobile lending platforms over the last five years.

The bank said the strong growth was supported by new digital loan products, better customer credit scoring systems, and regular reviews of customer borrowing limits.

Mobile loan disbursements increased by 30% during the year, helped by products such as e-mobility financing, device financing, merchant cashflow solutions, and digital loans offered under the Digi platform.

KCB also introduced a new scoring model for the KCB M-PESA app, which increased the number of customers who qualified for loans by 7% compared to the previous year. Customer credit limits also rose by 17%.

According to the report, the changes helped push mobile loan disbursements up by 8% during the year.

KCB Report Reveals New Credit Scoring Models Support Growth

KCB said the growth was driven by wider use of application and behavioural scoring models, which improved credit assessment and allowed more customers to access loans.

The bank also reviewed borrowing limits every two months for products such as the KCB Mobile Loan and Salary Advance Loan to match customers’ financial activity.

Also Read: KCB Names New Corporate Banking Director After John Okulo’s Move to Sidian Bank

In addition, KCB updated its KCB Mobi lending system by adding M-PESA and PesaLink transaction data into its credit assessment process.

This increased the number of customers who qualified for pre-approved loans and supported higher loan limits.

The lender said these measures directly contributed to the increase in mobile lending during the year.

Customer Numbers Rise Across the Region

KCB Group said it now serves more than 34 million customers across seven countries through branches, mobile banking, internet banking, agency banking outlets, and merchant payment points.

Also Read: KCB Signs Strategic MOUs to Boost Kenya’s Leather Value Chain

The bank said improving customer service, faster transaction processing, system stability, and affordable financial products remained key parts of its strategy.

During the year, KCB’s Group Net Promoter Score rose to 70 from 55 in 2024, while total loans disbursed increased to Ksh 596 billion from Ksh 521 billion.

Loans given to women-owned and women-led businesses also increased to Ksh 149 billion from Ksh 139 billion in 2024.

The bank also protected customer deposits worth Ksh 1.6 trillion during the year, while its trade finance portfolio grew to Ksh 417 billion from Ksh 333 billion in 2024.

At the same time, non-performing loans reduced to Ksh 212 billion from Ksh 226 billion as the lender continued measures aimed at improving loan repayment and asset quality.

Follow our WhatsApp channel for instant news updates