The economic survey released on Thursday this week by the Kenya National Bureau of Statistics (KNBS) has painted a slightly rosy picture of the industry.
According to the survey, total assets of deposit-taking SACCOs grew by 11.5 per cent to KSh 727.1 billion as at December 2025.
Total assets and liabilities, which comprise time and savings deposits, grew from KSh 651.8 billion as at December 2024 to KSh 727.1 billion as at December 2025. Credit advanced by DT-SACCOs to the private sector and government increased by 13.4 per cent and 12.8 per cent, respectively, to KSh 847.0 billion and KSh 18.3 billion, respectively, as at December 2025.
Net credit advanced by DT-SACCOs to financial corporations increased from KSh 14.7 billion as at December 2024 to KSh 15.3 billion as at December 2025.
During the review period, total assets of the Saccos grew by 12.4 per cent to KSh 1,209.6 billion. Loans and advances recorded a growth of 12.2 per cent to KSh 948.3 billion, while deposits grew by 11.0 per cent to KSh 831.9 billion in 2025. Capital Reserves increased from KSh 197.5 billion in 2024 to KSh 251.8 billion in 2025. Income from loans and investments grew during the review period by 13.6 per cent and 4.2 per cent, respectively.
During the review period, membership of the regulated SACCOs grew by 5.7 per cent to 7,806.3 thousand members. The number of SACCOs regulated by SASRA increased by two to 357 in 2025, while the number of SACCO branches increased from 652 in 2024 to 669 in 2025.
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Speaking during the launch of the report in Nairobi, Treasury Cabinet Secretary John Mbadi emphasised that strengthening SACCOs is essential for enhancing financial access, increasing savings, and boosting the backbone of Kenya’s economy.
Mbadi has described Saccos as a crucial alternative financing mechanism, emphasising the need for such vehicles to reduce the country’s reliance on external borrowing.
He highlighted that agro-based Saccos are critical for driving agricultural growth through input financing, enabling farmers to increase productivity.
He supported the role of Saccos in empowering Kenyans at the grassroots level and enhancing economic participation.
He also touched on utilising cooperative loans as part of his personal liability portfolio, indicating personal familiarity with the sector’s financial products
During the review period, total assets under pension fund management grew by 24.6 per cent to KSh 2,810.6 billion as at of December 2025. This growth was largely driven by increased investments in quoted securities, which increased to KSh 312.8 billion as at the end of December 2025 from KSh 202.3 billion as at of December 2024. There was notable growth in government securities, which increased by 23.9 per cent to KSh 1,465.5 billion as at December 2025.
The listed corporate bonds increased from KSh 6.3 billion as at December 2024 to KSh 28.3 billion as at December 2025. In contrast, guaranteed funds grew by 19.4 per cent to KSh 522.4 billion over the review period. Offshore investments increased by 32.1 per cent to KSh 85.2 billion as at December 2025 from KSh 64.5 billion as at December 2024.
By Peter Mukunga
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