Comprehensive Review of Lending and Deposit Rates - May 2025
Explore Rate Comparisons| Rank | Bank Name | Lending Rate | Deposit Rate | Interest Spread |
|---|---|---|---|---|
| 1 | Citibank Kenya | 10.82% | 7.29% | 3.53% |
| 2 | Stanbic Bank Kenya | 12.84% | 7.56% | 5.28% |
| 3 | Standard Chartered Bank Kenya Ltd | 13.35% | 3.14% | 10.21% |
| 4 | Guardian Bank | 13.57% | 8.17% | 5.40% |
| 5 | Consolidated Bank of Kenya | 13.61% | 7.31% | 6.30% |
| 6 | Ecobank Kenya | 13.72% | 8.78% | 4.94% |
| 7 | Paramount Bank Ltd | 14.47% | 10.81% | 3.66% |
| 8 | Habib Bank | 14.55% | 8.34% | 6.21% |
| 9 | Gulf African Bank | 14.77% | 8.54% | 6.23% |
| 10 | Equity Bank Kenya Ltd | 14.89% | 10.76% | 4.13% |
| 11 | Bank of India | 14.94% | 10.20% | 4.74% |
| 12 | Premier Bank Kenya Ltd | 15.12% | 2.75% | 12.37% |
| 13 | Bank of Baroda Kenya (Ltd) | 15.12% | 10.19% | 4.93% |
| 14 | Diamond Trust Bank | 15.44% | 8.43% | 7.01% |
| 15 | ABSA Bank Kenya | 15.48% | 8.88% | 6.60% |
| 16 | Guaranty Trust Bank Kenya | 15.61% | 8.01% | 7.60% |
| 17 | Victoria Commercial Bank | 15.68% | 8.70% | 6.98% |
| 18 | NCBA Bank Kenya | 15.68% | 8.41% | 7.27% |
| 19 | KCB | 15.76% | 7.07% | 8.69% |
| 20 | Prime Bank Ltd | 15.79% | 10.39% | 5.40% |
| 21 | Kingdom Bank Ltd | 15.80% | 10.22% | 5.58% |
| 22 | National Bank of Kenya | 15.87% | 7.92% | 7.95% |
| 23 | Co-operative Bank of Kenya | 16.10% | 6.44% | 9.66% |
| 24 | M-Oriental Bank Ltd | 16.17% | 9.76% | 6.41% |
| 25 | Family Bank Ltd | 16.40% | 11.64% | 4.76% |
| 26 | Development Bank of Kenya | 16.63% | 10.83% | 5.80% |
| 27 | DIB Bank Kenya | 16.87% | 9.72% | 7.15% |
| 28 | UBA Bank Kenya | 16.90% | 8.70% | 8.20% |
| 29 | I&M Bank Ltd | 16.90% | 8.38% | 8.52% |
| 30 | African Banking Corporation Ltd | 17.31% | 12.63% | 4.68% |
| 31 | Sidian Bank Ltd | 17.68% | 9.07% | 8.61% |
| 32 | Bank of Africa Kenya Ltd | 18.07% | 9.52% | 8.55% |
| 33 | SBM Bank Kenya Ltd | 18.09% | 10.12% | 7.97% |
| 34 | HFC Limited | 18.99% | 6.81% | 12.18% |
| 35 | Credit Bank PLC | 19.41% | 12.68% | 6.73% |
| 36 | Middle East Bank (K) Ltd | 19.87% | 9.66% | 10.21% |
| 37 | Access Bank Kenya | 19.98% | 10.31% | 9.67% |
| 38 | Commercial International Bank Kenya | 20.00% | 10.42% | 9.58% |
Across 38 commercial banks
Savings account returns
Banking sector margin
CBK reference rate