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Co-op Bank Q3 profit before tax rose 19.6% to KSh 35.9 billion in the nine months ended 30 September 2026, and the board has approved an interim dividend of KSh 1.50 per share. The unaudited group results were approved on 11 November 2026 and posted on the bank’s investor-relations pages.
Profit after tax grew 27.2% to KSh 27.4 billion from KSh 21.6 billion a year earlier, according to Co-operative Bank’s 11 November press release and the published financial-statement extract.
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Co-op Bank Q3 profit: the key numbers
The Co-op Bank Q3 profit figures below are the group’s unaudited results for the nine months to 30 September 2026, as stated in the official extract (amounts in the financial statements are in KSh thousands).
| Measure (group, nine months) | Q3 2026 | Q3 2025 | Change |
|---|---|---|---|
| Profit before tax | KSh 35.9bn | KSh 30.0bn | +19.6% |
| Profit after tax | KSh 27.4bn | KSh 21.6bn | +27.2% |
| Basic earnings per share | KSh 4.68 | KSh 3.68 | — |
| Total assets | KSh 907.4bn | KSh 815.3bn | +11.3% |
| Net loans and advances | KSh 496.9bn | KSh 406.5bn | +22.2% |
| Interim dividend per share | KSh 1.50 | KSh 1.00 | +50% |
The press release also gives return on average equity of 21.3%, from 19.4% in Q3 2025, and return on average assets of 4.3%, from 3.7%. Chairman John Murugu, OGW, and Group Managing Director and CEO Dr Gideon Muriuki, CBS, MBS, signed the extract for the board.
Interim dividend of KSh 1.50 per share
With the Co-op Bank Q3 profit, the board approved an interim dividend of KSh 1.50 per ordinary share, 50% above last year’s KSh 1.00 interim. The payment is due to shareholders on the register at the close of business on 25 November 2026 and will be paid on 4 December 2026, the press release says. The same KSh 1.50 figure appears in the financial-statement extract.
Investors tracing earlier payouts can use our Co-op Bank dividend history as a record of past dates and amounts. The new interim does not change how you apply for Co-op Bank loans; it is a shareholder distribution from this year’s earnings.
Balance sheet, loans and asset quality
Net loans and advances rose 22.2% to KSh 496.9 billion, matching both the press release and the statement of financial position (KSh 496.89 billion). Total assets reached KSh 907.4 billion. The press release puts total deposits at KSh 642.5 billion, up 14.8%. The extract’s “customer deposits” line is KSh 633.0 billion, up from KSh 548.6 billion a year earlier.
Asset-quality ratios in the press release improved: the group non-performing loan ratio fell to 12.9% from 17.1% in Q3 2025, IFRS coverage rose to 82.2% from 70.4%, and the cost of risk fell to 1.4% from 2.5%. The group says it kept a liquidity ratio of 54.8% and total capital to total risk-weighted assets of 21.3%.
What shareholders should watch
The results are unaudited. The bank says the complete quarterly statements are on its financial-statements page. Co-op Bank shares trade on the Nairobi Securities Exchange, and the group is regulated by the Central Bank of Kenya.
The Co-op Bank Q3 profit briefing above uses only the 11 November press release and the official extract. Anyone expecting the dividend should confirm their CDS or registrar details before the 25 November record date.
Frequently asked questions
How large was the Co-op Bank Q3 profit?
Group profit before tax was KSh 35.9 billion, up 19.6%, and profit after tax was KSh 27.4 billion, up 27.2%, for the nine months to 30 September 2026, per the bank’s official results.
What interim dividend did Co-op Bank declare?
KSh 1.50 per ordinary share, up 50% from KSh 1.00 last year, payable to shareholders on the register at close of business on 25 November 2026 and to be paid on 4 December 2026.
When did the board approve the results?
On 11 November 2026, according to the signed financial-statement extract and the press release of the same date.
Are the Co-op Bank Q3 profit figures audited?
No. The published statements are unaudited results for the nine months ended 30 September 2026.
Related: Co-op Bank shares rise 2.5% after Q3 results; NASI up 0.64%
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