Stanbic Uganda 2025 Results Drive Economic Growth and Financial Inclusion

The results highlight the bank’s growing role in shaping the country’s economic future. As Uganda’s economy gains momentum, Stanbic Uganda Holdings Limited continues to position itself at the center of this progress. Not only does its 2025 performance reflect strong financial growth, but it also demonstrates a clear commitment to long-term economic resilience.

Investing in Local Manufacturing

To begin with, Stanbic invested UGX 700 billion in Uganda’s manufacturing sector. This move is aimed at reducing reliance on imports while strengthening domestic production.

As a result, local manufacturers are expanding operations, improving productivity, and becoming more competitive. In turn, this growth is creating jobs, increasing tax revenue, and building a stronger industrial base.

Fueling SMEs and Women in Business

At the same time, Stanbic continues to prioritize small and medium enterprises (SMEs), which remain the backbone of Uganda’s economy.

In 2025, the bank extended UGX 1.1 trillion to SMEs. Notably, UGX 151 billion was directed specifically toward women-led businesses. Because of this targeted financing, more entrepreneurs can now access capital despite traditional barriers.

Consequently, thousands of businesses are growing, hiring, and contributing to local economic development.

Expanding Financial Inclusion

In addition, Stanbic is deepening financial inclusion across the country. Through its SACCO and VSLA programs, the bank reached over 700,000 Ugandans with UGX 248 billion in affordable financing.

By doing so, more individuals are entering the formal financial system. This shift enables communities to build savings, manage risks, and invest in their futures more effectively.

Backing Infrastructure Development

Meanwhile, Stanbic mobilized over UGX 1 trillion for infrastructure projects through its Corporate and Investment Banking arm.

These investments are supporting key sectors such as energy, transport, and industrial development. Ultimately, these sectors are critical for unlocking Uganda’s long-term competitiveness and sustainable growth.

Maintaining a Strong Financial Position

Importantly, the bank’s financial position remains solid. This strength allows it to continue lending and supporting economic expansion.

• Non-performing loans remained low at 1.7%
• Cost-to-income ratio improved to 47.1%
• Core capital ratio reached 21.3%, more than double regulatory requirements

Because of this stability, Stanbic is well-positioned to navigate economic shifts while pursuing new opportunities.

Supporting Jobs and Communities

Beyond corporate financing, Stanbic is also making a strong social impact. The bank supported more than 9,000 SMEs with over UGX 11 billion in credit.

As a result, many businesses have expanded, leading to increased job creation.

Furthermore, Stanbic’s initiatives in education, healthcare, and environmental sustainability have reached over one million people nationwide. These efforts were carried out in partnership with government ministries and other stakeholders.

Growth with Purpose

Stanbic’s financial performance reflects both scale and impact. For instance:

• Customer deposits grew from UGX 7.1 trillion to UGX 8.0 trillion
• Loans increased from UGX 4.3 trillion to UGX 5.1 trillion
• Profits rose from UGX 478 billion to UGX 591 billion

According to Chief Executive Francis Karuhanga:

“This is more than growth; it is progress with purpose. Uganda is our home, and we remain committed to driving her growth, inclusively, sustainably, and at scale.”

He further emphasized:

“Our performance underscores the strength of our strategy and our commitment to Uganda. We will continue to leverage our scale, expertise, and partnerships to unlock growth opportunities and deliver lasting impact across the economy.”

The Bottom Line

Overall, Stanbic Uganda 2025 results present more than just strong financial performance. Instead, they reveal a bank actively shaping Uganda’s economic future.

Through continued investment in industry, entrepreneurship, and inclusion, Stanbic is helping to build a more self-reliant and prosperous economy. As more Ugandans gain access to financial services and opportunities, the country’s growth path becomes increasingly clear.