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Interest income, foreign exchange trade: Where banks cut earnings in 2025

Central Bank of Kenya head office  [File, Standard]

As cheaper credit reshaped the market in 2025, banks had to navigate thinner margins and shifting income streams.

The single-digit interest regime by the Central Bank of Kenya (CBK) that dominated the better part of 2025 cut billions in loan income and advances for local banks, even though the institutions still made profits for the period.

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