NCBA mints 32pc of profit from Fuliza, M-Shwari loans

NCBA Bank Group Director Finance David Abwoga makes his remarks at a panel session during the release of the FY2025 Financial Results on March 26, 2026 at Capital Club. 

Photo credit: Francis Nderitu | Nation Media Group

NCBA Group's digital loans business contributed 31.9 percent of its pre-tax profit in the year to December 2025, underscoring how financial institutions are reaping big from consumers' reliance on short-term mobile loans like Fuliza to meet daily expenses.

The group reported pre-tax earnings of Sh8.9 billion from its digital lending platforms –representing a 20.2 percent growth— in the review period when its total pre-tax profit stood at Sh27.89 billion.

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