- Ports DT Sacco grew total assets by 17.5 per cent to Ksh12.4 billion in 2025.
- Active membership increased by 26.6 per cent, driven by recruitment and retention efforts.
- Members received a 20 per cent dividend on share capital and 12.5 per cent interest on deposits.
There is a certain poetry in the fact that Ports DT Sacco Society Limited was born at a port. Ports are, by their very nature, places of passage where goods, people and commerce move from one world into another.
When employees of the East African Harbours and Railways Corporation came together in 1966 to form a savings co-operative at Kenya’s gateway to the Indian Ocean, they built something that echoed this year’s Ushirika Day theme, “Building Bridges: Co-operative Contributions for a Peaceful World.”
Nearly six decades later, that institution has grown to Ksh12.389 billion in assets and over 15,500 active members. Membership grew by 26.58 per cent in 2025, more than double the 15.8 per cent growth recorded the previous year.
Overall membership expanded by 18 per cent during the year, which the Sacco attributed to targeted recruitment and member retention.
The figures were presented at the Sacco’s Annual Delegates Meeting (ADM), held at Ports Sacco Plaza in Mombasa. Total assets rose by 17.52 per cent, from Ksh10.542 billion in 2024 to Ksh12.389 billion in 2025, supported by expansion in core lending activities.
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Total revenue increased by 15.61 per cent to Ksh1.810 billion, underpinned by a 17.91 per cent rise in interest income and a 7.94 per cent growth in non-funded income. The net loan portfolio expanded by 15 per cent to Ksh7.995 billion, up from Ksh6.942 billion the previous year.
Members received a dividend of 20 per cent on share capital and 12.5 per cent interest on deposits, matching the previous year’s payout.
The Sacco’s shift from a port workers’ cooperative to a national financial institution has come through two changes. The first, in 2010, expanded the common bond beyond port workers to include salaried employees, informal sector groups such as chamas, corporates, sole proprietors and diaspora members. The second, in 2023, saw the institution rebrand from Mombasa Port Sacco to Ports DT Sacco.
In 2025, the Sacco onboarded teachers under the Teachers Service Commission (TSC) payroll through check-off and salary processing arrangements. It also integrated suppliers linked to the Kenya Ports Authority, giving them access to re-engineered Local Purchase Order (LPO) financing for working capital needs.
Ports DT Sacco now operates in four counties, with a physical presence in Mombasa, Voi, Nairobi and Kisumu. On the credit side, members can access short-term loans, long-term facilities, micro loans, LPO financing and the Jiendeleze Loan, a mortgage product for affordable housing introduced in 2023.
On the savings side, members hold share capital accounts, member deposits with a minimum monthly contribution of Ksh1,000, and Front Office Service Activity (FOSA) accounts.
A review of surplus retention policies was recommended at the ADM, to ensure reserves keep pace with the Sacco’s growth. The Sacco says it is exploring new markets as part of a longer-term diversification strategy.
By Benedict Aoya
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