Stima Deposit-Taking (DT) Sacco has announced a stellar financial performance for the year ended December 31, 2025, characterized by a significant leap in asset value and a robust return for its members. The results, ratified during the Society’s Annual General Meeting (AGM), signal a period of aggressive growth and institutional stability despite a volatile global and domestic economic landscape.
The Sacco’s total assets climbed to Ksh 75.23 billion, a 13% increase from Ksh 66.4 billion in 2024. This growth was matched by a strong commitment to member benefits, with the Board approving a combined payout of Ksh 5.1 billion in dividends and interest rebates.
Strategic Resilience and Governance.
Speaking during the post-AGM briefing, Stima DT Sacco National Chairman, Eng. Joseph Siror, attributed the success to a disciplined oversight framework and a focus on long-term value. He noted that while the economic environment remained complex due to inflationary pressures and geopolitical tensions, the Sacco remained anchored in its mission of financial empowerment.
“The society recorded strong performance across key financial indicators during the year under review. Total assets grew to 75.23 billion… reflecting sustained institutional growth and prudent financial management,” Eng. Siror stated.
Highlighting the Sacco’s governance credentials, Eng. Siror emphasized the successful completion of a comprehensive governance audit. “The board continues to discharge its fiduciary responsibilities with diligence, independence, and integrity, while maintaining a clear distinction between governance and management. Our objective is clear: to build a resilient, well-governed, and forward-looking cooperative institution.”
Operational Excellence and Digital Transformation.
The Sacco’s Chief Executive Officer, Dr. Gamaliel Hassan, provided a granular look at the operational successes that fueled the year’s growth. Beyond the balance sheet, Dr. Hassan pointed toward a future defined by efficiency and member-centric innovation.
“Despite a challenging macroeconomic environment characterized by high inflation and fluctuating interest rates, the Sacco has demonstrated remarkable resilience,” Dr. Hassan remarked. He revealed that member deposits had reached Ksh 52.2 billion, while the loan portfolio expanded to Ksh 52.5 billion.
A key highlight of the CEO’s report was the Sacco’s industry-leading credit management. “Our Non-Performing Loans (NPL) ratio stands at 9.5%, which is well below the industry average. This is due to our robust credit risk management framework and proactive engagement with our members.”
Dr. Hassan also underscored the shift toward digital delivery, noting that over 90% of transactions are now conducted via mobile and internet banking. Looking forward, he expressed confidence in the Sacco’s trajectory: “Our goal remains to be the leading financial partner for our members, empowering them to build a better future.”
Financial Stability and Future Outlook.
Reinforcing the financial narrative, CPA Lwanga, the Chair of the Finance and Investment Committee, detailed the Sacco’s revenue milestones and capital adequacy. The Society achieved a record total revenue of Ksh 10.2 billion, a 15% increase from the previous year.
“Our committee’s primary focus this year remained on maintaining a robust capital structure, optimizing investment returns, and ensuring the society’s long-term financial sustainability,” Lwanga said. He noted that investment income grew by 18%, largely driven by strategic allocations in government securities and high-yield instruments.
Lwanga further highlighted the Sacco’s strong capital position, with a core capital to total assets ratio of 16%, significantly higher than the regulatory requirement of 10%. “This provides a solid buffer against market shocks and ensures we can continue to meet our members’ credit demands.”
The report also shed light on the Sacco’s diversification efforts, including a successful insurance agency subsidiary that contributed Ksh 150 million to the group’s bottom line, and a real estate portfolio valued at Ksh 3.5 billion.
A Commitment to Sustainability.
A common thread among the three leaders was the Sacco’s transition toward Environmental, Social, and Governance (ESG) standards. Eng. Siror and Dr. Hassan both lauded the Sacco’s alignment with international reporting standards (IFRS S1 and S2), noting efforts to reduce waste and explore green financing.
“In conclusion, the Finance and Investment Committee is confident that the society is on a very firm financial footing,” Lwanga added. “Our focus for 2026 will be on cost optimization and exploring ‘green’ investment opportunities.”
With a dividend of 16% per share and an interest rebate of 11% on deposits, Stima DT Sacco has once again proven its ability to deliver premium returns to its investors while maintaining a formidable growth curve in the Kenyan cooperative sector.
