Kenya National Police DT SACCO has reported impressive financial results for the year ending 2025, with profit surging 20.8% to KSh 3.03 billion, up from KSh 2.51 billion in 2024, driven by stronger net interest income and significantly improved credit performance.
The Society’s total comprehensive income grew 23.0% to KSh 3.76 billion, while interest revenue increased 10.2% to KSh 9.76 billion, reflecting sustained business growth and efficient operations.
Credit Quality Shows Marked Improvement
A standout feature of the financial results was the sharp 33.2% decline in expected credit loss (ECL) expense, which fell to KSh 340.57 million. This reduction signals improved credit management and better loan book quality, with the delinquency ratio declining to 2.34% from 2.54% in the previous year.
Net interest income after ECL provisions climbed 16.6% to KSh 5.70 billion, underscoring the Society’s ability to generate strong returns while maintaining prudent risk management.
Balance Sheet Expansion and Asset Reallocation
The Sacco’s balance sheet grew 11.0% to KSh 66.40 billion, with loans to members increasing 10.1% to KSh 55.38 billion, demonstrating sustained lending activity to its 76,000-member base.
Cash and cash equivalents rose 22.6% to KSh 2.65 billion, contributing to an improved liquidity ratio of 33.0%, up from 30.0% the previous year. However, investments in government securities declined 17.4% to KSh 1.51 billion, suggesting a strategic reallocation of assets toward more productive uses.
Strong Deposit Growth and Capital Position
Member deposits showed robust growth, with withdrawable deposits increasing 15.3% to KSh 3.90 billion and non-withdrawable deposits growing 8.0% to KSh 33.61 billion. Total equity strengthened 14.7% to KSh 24.51 billion, reflecting solid capital accumulation.
Members will receive dividends totaling KSh 624.37 million, broadly in line with the prior year’s payout, demonstrating the Society’s commitment to returning value to its members.
Competitive Product Offering Drives Growth
The Society attributes its strong performance to a competitive suite of loan products featuring interest rates as low as 1%, fast loan processing, and instant mobile loan facilities. With share capital exceeding KSh 3.69 billion, Kenya Police DT SACCO members are among the best-compensated in the cooperative movement.
Award-Winning Performance
The impressive financial results come on the heels of a stellar year in 2024, when Kenya Police SACCO won four prestigious awards in the Employer-Based DT SACCOs category:
- Second Best Performing DT SACCO
- Best DT SACCO in Capitalization (2nd position)
- Best DT SACCO in Deposits Management (2nd position)
- Best DT SACCO in Credit Management (2nd position)
The awards were presented by Prime Cabinet Secretary Musalia Mudavadi, alongside Cooperatives CS Wycliffe Oparanya and other senior government officials.
“This recognition is a testament to our unwavering commitment to excellence, outstanding member service, and the cooperative spirit that drives our success,” the Society stated on its social media platforms.
Historical Growth Trajectory
Founded on November 20, 1972, and registered as CS/2092, Kenya National Police DT SACCO has grown from a modest membership of 690 to 76,000 members today. The Society is governed by 12 elected officials: nine Board of Directors members and three Supervisory Committee members.
Analyst Perspective
Financial analysts attribute the Sacco’s double-digit profit growth to stronger net interest income generation and significantly lower credit losses. The balance sheet expansion remains healthy, liquidity has improved substantially, and asset quality indicators are trending positively.
“Overall, FY2025 reflects operational resilience, disciplined credit management, and steady capital build-up,” analysts noted, highlighting the Society’s strong positioning within the cooperative sector.
The results demonstrate that Kenya Police SACCO continues to serve as a vital financial services provider for law enforcement personnel, offering competitive products while maintaining sound financial management and regulatory compliance.
