SASRA Kenya: Saccos 2025 Deposits Surge to Sh832.74 Billion

• Total deposits in Kenyan Saccos grew by 11.12% to Sh832.74 billion in 2025, up from Sh749.43 billion in 2024.
• Overall assets managed by regulated Saccos increased by 12.5% to Sh1.21 trillion, from Sh1.076 trillion.
• Loans extended to Sacco members rose by 12.25% to Sh949 billion, compared to Sh845 billion previously.
• Allowances for loan losses increased by 9.53%, reaching Sh61.00 billion in 2025 from Sh55.69 billion in 2024.
• Net loans and advances by regulated Saccos stood at Sh887.67 billion by December 2025, marking a 12.45% increase.

Compliance officers and legal advisors to Saccos should review the SASRA report findings, particularly the increase in loan loss allowances, to assess internal credit risk management policies.

Kenya's cooperative financial sector experienced substantial expansion last year, with total deposits held by Saccos reaching Sh832.74 billion. This figure, reported by the Sacco Societies Regulatory Authority (SASRA), marks an impressive 11.12 percent increase from the Sh749.43 billion recorded in the previous year, 2024. The growth in SASRA Kenya Saccos 2025 deposits reflects a robust performance across various deposit categories, including non-withdrawable (BOSA) deposits, withdrawable (FOSA) deposits, and fixed deposits, all contributing to the sector's overall financial strength.

This surge in deposits played a pivotal role in driving the overall Kenya Saccos assets growth. The total assets managed by regulated Saccos climbed to Sh1.21 trillion, up from Sh1.076 trillion, representing a significant 12.5 percent expansion. Concurrently, the volume of loans extended to members also saw a healthy increase, rising by 12.25 percent to Sh949 billion from Sh845 billion during the review period. These figures underscore the vital role Saccos continue to play in providing financial services and credit access to their members across Kenya.

While the sector demonstrated strong growth, the Sacco Societies Regulatory Authority report also highlighted an increase in allowances for loan losses. These provisions, crucial for maintaining financial stability, rose by 9.53 percent, reaching Sh61.00 billion in 2025, compared to Sh55.69 billion in 2024. This trend in Saccos loan loss provisions Kenya is a key indicator for regulators and financial institutions alike, signaling the need for careful credit risk management.

Consequently, the net loans and advances reported by regulated Saccos stood at Sh887.67 billion by the close of December 2025. This represents a 12.45 percent increase, building on the 11.78 percent growth observed in 2024. Compliance officers and legal advisors to Saccos should review the SASRA report findings, particularly the increase in loan loss allowances, to assess internal credit risk management policies. This ensures adherence to regulatory financial stability requirements amidst the sector's overall growth. The detailed breakdown of BOSA FOSA deposits regulations and other financial metrics provided by SASRA offers a comprehensive view of the sector's health and areas requiring attention.

The latest Kenya cooperative financial statistics from SASRA paint a picture of a thriving Sacco sector that is central to the nation's economic landscape. The consistent growth in deposits and assets reinforces the trust members place in these cooperative institutions. The sustained expansion of SASRA Kenya Saccos 2025 deposits and the overall asset base indicates a robust financial ecosystem that supports both individual members and broader economic development.

The detailed insights provided by the Sacco Societies Regulatory Authority are indispensable for understanding the dynamics of this critical financial segment. They not only celebrate the sector's achievements but also highlight areas where vigilance and prudent management, especially concerning Saccos loan loss provisions Kenya, are paramount. This ensures the long-term stability and continued positive impact of Saccos on Kenya's financial inclusion goals.

Compliance officers and legal advisors to Saccos should review the SASRA report findings, particularly the increase in loan loss allowances, to assess internal credit risk management policies. This ensures adherence to regulatory financial stability requirements amidst the sector's overall growth.

Source: Original reporting via Capital FM