Kenyan banks experienced a significant reduction in their half-year interest income due to the low-interest rate regime implemented by the Central Bank of Kenya (CBK) since August 2024. Several banks reported drops in total interest income and net interest income as lending rates were adjusted downwards.

• Absa Bank Kenya's total interest income for the first six months of 2025 was KSh 29.9 billion, down from KSh 32.6 billion in the same period of 2024.
• Equity Bank Kenya's total interest income for January to June 2025 dropped to KSh 51.1 billion from KSh 53.4 billion in the previous period.
• James Mwangi, Chief Executive and Managing Director of Equity Group Holdings, stated the bank's plan to shift funds from government securities, which yield around 8 percent, to private sector loans, which can yield 16 percent.
• The Central Bank Rate (CBR) decreased gradually from 13.0 percent in February 2024 to 9.5 percent by August 2025.