The Central Bank of Kenya’s Bank Supervision Annual Report 2025 shows the Tier‑One banking group shrinking from nine to eight institutions.

Standard Chartered Bank Kenya’s market‑size index fell to 4.5 % in 2025, slipping below the 5 % threshold required for large‑bank classification and moving the lender into the Medium Peer Group.

The market‑size index is a composite measure that weights total net assets, total deposits, shareholders’ funds and the number of deposit and loan accounts to assign banks to peer groups.

Banks that remain in the Tier‑One peer group

KCB Bank Kenya retained the top spot with a market‑share index of 17.3 %, up from 16.6 % the previous year, reporting net assets of KSh 1.497 trillion and deposits of KSh 1.151 trillion.

Equity Bank Kenya held second place at 11.8 % market share, with net assets of KSh 1.04 trillion and deposits of KSh 849.1 billion.

Co‑operative Bank of Kenya ranked third with a 9.4 % index, followed by NCBA Bank Kenya at 7.9 %.

Absa Bank Kenya (6.4 %), Stanbic Bank Kenya (5.8 %), I&M Bank (5.6 %) and Diamond Trust Bank Kenya (5.6 %) complete the Tier‑One list.

Sector‑wide performance in 2025

Across all commercial banks, total net assets grew 10.3 % to KSh 8.35 trillion in December 2025, while customer deposits rose 11.6 % to KSh 6.12 trillion.

Pre‑tax profit for the banking sector reached KSh 306.3 billion, a 17.7 % increase from the previous year, driven by a sharper decline in expenses than in income.