Nairobi, Jan. 25 -- Lender Housing Finance enjoyed the largest lending margins at the end of last year, marking the highest profit potential from lending among all 38 licensed commercial banks.

Data from the Central Bank of Kenya (CBK) shows HF had lending margins of 12.27 percent in December 2025.

Lending margins are calculated by subtracting the rate paid to term depositors from the loan interest rate and inform the size of profits a bank can generate from issuing credit to borrowers.

HF's overall interest rate stood at 17.94 percent in December 2025, while its deposit rate was 5.67 percent.

Other banks with double-digit lending margins in December 2025 were Access Bank (Kenya) Plc (11.77 percent), Bank of Africa Kenya (10.35 percen...