The payout includes an interim dividend of UShs 2.73 per share and a proposed final dividend of UShs 4.30 per share, bringing total shareholder returns for the year into focus.
Profit after tax rose 23.6% to UShs 591 billion, compared to UShs 478 billion the previous year, driven by growth in both interest income and non-interest revenue.
Total income increased to UShs 1.44 trillion, from UShs 1.30 trillion in 2024. Net interest income rose to UShs 788 billion from UShs 760 billion, while non-interest revenue climbed sharply to UShs 651 billion, up from UShs 538 billion.
The balance sheet also expanded, with total assets growing 10.9% to UShs 11.5 trillion, from UShs 10.4 trillion. Customer deposits increased 12.9% to UShs 8.0 trillion, compared to UShs 7.1 trillion, while loans and advances rose 16.4% to UShs 5.1 trillion, from UShs 4.37 trillion.
Profitability remained strong, with return on equity improving to 26.8% from 24.3%, while the cost-to-income ratio edged down to 47.1% from 47.2%. Asset quality remained stable, with non-performing loans at 1.7%, up slightly from 1.5%.
Group Chief Executive Francis Karuhanga said the results reflect disciplined execution and a diversified income base, while CEO Mumba Kalifungwa highlighted continued growth in digital and transactional banking.
Stanbic Uganda Holdings – Financial Summary
| Metric | 2025 | 2024 | Change |
|---|---|---|---|
| Total Income | UShs 1.44 trillion | UShs 1.30 trillion | +11% |
| Net Interest Income | UShs 788 bn | UShs 760 bn | +3.7% |
| Non-Interest Revenue | UShs 651 bn | UShs 538 bn | +21% |
| Profit After Tax | UShs 591 bn | UShs 478 bn | +23.6% |
| Earnings Per Share (EPS) | UShs 11.54 | UShs 9.34 | +23.6% |
| Total Assets | UShs 11.5 trillion | UShs 10.4 trillion | +10.9% |
| Customer Deposits | UShs 8.0 trillion | UShs 7.1 trillion | +12.9% |
| Loans & Advances | UShs 5.1 trillion | UShs 4.37 trillion | +16.4% |
| Return on Equity (ROE) | 26.8% | 24.3% | +2.5pp |
| Cost-to-Income Ratio | 47.1% | 47.2% | Improved |
| Non-Performing Loans (NPL) | 1.7% | 1.5% | +0.2pp |
| Dividend Per Share (Total) | UShs 7.03* | — | — |
| Total Dividend | UShs 360 bn | UShs 300 bn | +20% |
*Interim (UShs 2.73) + Final (UShs 4.30)
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