Kenya’s second largest Savings and Credit Co-operative (SACCO) and second-largest in Africa in asset base, Stima DT SACCO Society Limited, posted impressive financial results for the year ending December 31, 2025 after it recorded an increase in revenue by 4.9% from Ksh10.3 billion in 2024 to Ksh10.8 billion in 2025, even as its total assets grew by 13.4% from Ksh66.4 billion in 2024 to Ksh75.3 billion in 2025.
The SACCO will now spend a total payout of Ksh5.1 billion for the financial year ended December 31, 2025 up from Ksh4.6 billion in 2024, reflecting the SACCO’s commitment to rewarding its members for their loyalty and participation in the co-operative. This means that Stima DT SACCO’s members will receive dividend of 16% per share value which amounts to Ksh788.7 million and interest due on members’ deposits at 11% amounting to Ksh4.3 billion.
This was revealed during the SACCO’s 2025 Integrated Report and Annual Financial Statements under the theme Sustainability Rewritten, People, Planet and Purpose, which reflects the Stima DT SACCO’s commitment to transform co-operative finance, through internal policies, processes and the products and services it offer, external leadership and prioritized and targeted stakeholder engagement, being a force for climate resilience, social equity, and economic empowerment.
According to the report, by aligning People, Planet, and Purpose, the SACCO commit to green innovation, transparent reporting, and shared prosperity for all stakeholders thereby redefining Sustainable Socio-economic Wellness.
An inner look of the report which covers the reporting period starting January 01, 2025 and ending December 31, 2025 reveals that the huge growth of the SACC-O’s asset base for the last one year is attributed to the growth in the loan book and deposits by average of 8.2% as well as growth in core capital of 23.1% from Ksh13.4 billion to Ksh16.5 billion.
“Capital adequacy and liquidity levels remained comfortably above regulatory requirements, affirming the Society’s financial soundness and prudent oversight. Strong governance remains the cornerstone of our success,” said the SACCO’s National Chairman Dr. (Eng.) Joseph Siror during the Society’s Investor’s briefing on March 11, 2026.
“The Board further strengthened oversight across key risk areas including credit quality, cyber security, data privacy, regulatory compliance and climate-related financial risks. Enterprise risk reporting and internal control monitoring were enhanced to support early identification and mitigation of emerging risks,” he added
The SACCO’s capital base also performed well in the financial period. The Institutional capital to total assets increased to 14.5% in 2025 from 13.5% in 2024 while Core capital to total assets increased to 21.9% in 2025 up from 20.2% in 2024.
The Share capital increased by 25.0% to total Ksh5.5 billion in 2025 up from Ksh4.4 billion in 2024 with growth being attributed to membership growth. During the period under review, the SACCO’s membership grew from 220,650 in 2024 to 241,324 members in 2025, an increase of 9.4% and over the last 5 years, the Society’s membership increased by 10% annually.
The SACCO’s net loan book grew by 4.6% from Ksh50.2 billion in 2024 to Ksh52.5 billion in 2025, a growth attributed to robust marketing campaigns, enhanced member education, and responsiveness to member needs, in line with the SACCO’s growth projections.
Further, deposits grew by 11.8% from Ksh46.7 billion in 2024 to Ksh52.2 billion in 2025 attributed to growth in the membership by 9.4%, as well as deposit mobilization to meet the loan demands from the membership. The SACCO’s Core capital stood at Ksh16.5 billion, while liquidity remained strong at 104.06%, well above the statutory requirement of 15%.
“These indicators affirm the financial soundness of the institution and our commitment to prudent balance sheet management and long-term sustainability,” said Dr. Gamaliel Hassan, PhD, Stima DT SACCO CEO during the briefing, stating further that the SACCO has also strengthened its operational foundations by enhancing credit governance frameworks, strengthening post-disbursement monitoring, and re- fining risk management processes to safeguard members’ funds while supporting responsible growth.
Safeguarding members’ savings
Dr. Hassan emphasized further that the Society prioritized cybersecurity across all its operations: “Cybersecurity remained a critical priority throughout the year. We successfully prevented cyber intrusions across our platforms, with zero financial loss arising from cyber-related incidents. Continuous monitoring, strengthened system architecture and enhanced threat detection capabilities have reinforced member confidence in our digital ecosystem and ensured the integrity of our services.”
On digital transformation, Stima DT SACCO also recorded excellent growth since it witnessed an increase in transaction volumes from Ksh33.9 billion in 2023 to Ksh51.4 billion in 2025, representing a 51.5% growth, with over 93% of member transactions being now conducted through digital channels, a move that has reduced branch congestion, improved service accessibility nationwide and enhanced operational efficiency.
In implementing its 2025-2029 Strategic Plan, the SACCO digitized its loan management processes through automated recovery mechanisms, online salary advance applications and automated guarantor notifications. This has helped the SACCO members to now access loan statements seamlessly via mobile and internet banking platforms, improving visibility, reinforcing repayment discipline and strengthening overall credit portfolio management.
By Roy Hezron
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