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Housing Finance posts the highest lending margins
Rate cuts by CBK have boosted banks, allowing them to aggressively push for cheaper deposits, while savers have felt the pinch as lenders apply the squeeze.
Lender Housing Finance enjoyed the largest lending margins at the end of last year, marking the highest profit potential from lending among all 38 licensed commercial banks.
Data from the Central Bank of Kenya (CBK) shows HF had lending margins of 12.27 percent in December 2025.
