Central Bank of Kenya Lists Banks with Lowest, Highest Loan and Deposit Rates
- The Central Bank of Kenya (CBK) shared data revealing the average interest rates for 38 commercial banks in the country
- Commercial International Bank Kenya Ltd recorded the highest lending rate at 20% followed by Access Bank Kenya (19.98%)
- On the other hand, Citibank Kenya offers the lowest lending rate at 10.82%, followed by Stanbic Bank Kenya Limited at 12.84%
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The Central Bank of Kenya (CBK) has published the lending and deposit interest rates for all banks operating in the country after it lowered the base rate to 9.75%.
Source: Twitter
CBK shared the data for commercial lenders on Friday, June 27, indicating that the average lending rate for May 2025 stood at 15.44%, while the average deposit rate was 8.7%.
Which Kenyan banks offer the lowest and highest rates?
Citibank Kenya offers the lowest lending rate at 10.82%, followed by Stanbic Bank Kenya Limited at 12.84% and Standard Chartered Bank Kenya at 13.35%.
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In contrast, the Commercial International Bank Kenya Ltd recorded the highest lending rate at 20% followed by Access Bank Kenya (19.98%) and Middle East Bank Kenya (19.87%).
For deposit rates, Credit Bank leads with 12.68%, followed by ABC Bank (12.63%) and Family Bank (11.64%).
Source: Getty Images
On the other hand, banks with the lowest deposit rates are Premier Bank (2.75%), Standard Chartered (3.14%), Cooperative Bank of Kenya (6.44%) and HFC Limited (6.81%).
List of banks' lending and deposit rates for May 2025
| Bank | Lending rate | Deposit rate |
| 1. Citibank Kenya | 10.82% | 7.29% |
| 2. Stanbic Bank Kenya | 12.84% | 7.56% |
| 3. Standard Chartered Bank Kenya Ltd | 13.35% | 3.14% |
| 4. Guardian Bank | 13.57% | 8.17% |
| 5. Consolidated Bank of Kenya | 13.61% | 7.31% |
| 6. Ecobank Kenya | 13.72% | 8.78% |
| 7. Paramount Bank Ltd | 14.47% | 10.81% |
| 8. Habib Bank | 14.55% | 8.34% |
| 9. Gulf African Bank | 14.77% | 8.54% |
| 10. Equity Bank Kenya Ltd | `14.89% | 10.76% |
| 11. Bank of India | 14.94% | 10.20% |
| 12. Premier Bank Kenya Ltd | 15.12% | 2.75% |
| 13. Bank of Baroda Kenya (Ltd) | 15.12% | 10.19% |
| 14. Diamond Trust Bank | 15.44% | 8.43% |
| 15. ABSA Bank Kenya | 15.48% | 8.88% |
| 16. Guaranty Trust Bank Kenya | 15.61% | 8.01% |
| 17. Victoria Commercial Bank | 15.68% | 8.70% |
| 18. NCBA Bank Kenya | 15.68% | 8.41% |
| 19. KCB | 15.76% | 7.07% |
| 20. Prime Bank Ltd | 15.79% | 10.39% |
| 21. Kingdom Bank Ltd | 15.80% | 10.22% |
| 22. National Bank of Kenya | 15.87% | 7.92% |
| 23. Co-operative Bank of Kenya | 16.10% | 6.44% |
| 24. M-Oriental Bank Ltd | 16.17% | 9.76% |
| 25. Family Bank Ltd | 16.40% | 11.64% |
| 26. Development Bank of Kenya | 16.63% | 10.83% |
| 27. DIB Bank Kenya | 16.87% | 9.72% |
| 28. UBA Bank Kenya | 16.90% | 8.70% |
| 29. 1&M Bank Ltd | 16.90% | 8.38% |
| Bank | Lending rate | Deposit rate |
| 30. African Banking Corporation Ltd | 17.31% | 12.63% |
| 31. Sidian Bank Ltd | 17.68% | 9.07% |
| 32. Bank of Africa Kenya Ltd | 18.07% | 9.52% |
| 33. SBM Bank Kenya Ltd | 18.09% | 10.12% |
| 34. HFC Limited | 18.99% | 6.81% |
| 35. Credit Bank PLC | 19.41% | 12.68% |
| 36. Middle East Bank (K) Ltd | 19.87% | 9.66% |
| 37. Access Bank Kenya | 19.98% | 10.31% |
| 38. Commercial International Bank Kenya | 20.00% | 10.42% |
How much did CBK raise in June bills?
In other news, CBK raised KSh 57 billion in June bills that were oversubscribed.
With bids totalling KSh 43 billion versus an offer of KSh 10 billion, the 364-day Treasury bill was the most oversubscribed, and CBK accepted KSh 32.13 billion.
Interest rates for all tenors experienced a slight decline, with the 91-day bill falling to 8.2816%, the 182-day to 8.5433%, and the 364-day to 9.9985%.
Proofreading by Mercy Nyambura, copy editor at TUKO.co.ke.
Source: TUKO.co.ke
