# Kenyan banking sector financial trends > Live situation record from CLSTR: https://clstr.news/situations/kenyan-banking-sector-financial-trends > Updated: 2026-09-29T04:34:38.000Z. Sources: 5. Developments: 2. The Central Bank of Kenya (CBK) 2025 Bank Supervision Annual Report indicates significant shifts in the nation’s financial landscape. There has been an increase in high-balance accounts (Sh500,000 or more), while accounts with lower balances saw a sharp decline. Mobile money transaction volumes decreased by 30 percent, though the total transaction value fell by only 4 percent, suggesting a shift toward fewer, higher-value payments and increased merchant usage. Regarding market structure, the banking sector shows increased concentration, with the eight largest Tier 1 banks controlling 69.7 percent of the market. KCB Group remains the leader with a 17.3 percent market share. While Moody’s Ratings notes that lenders are entering a period of stronger financial strength due to lower funding costs and improved asset quality, the sector remains constrained by high levels of non-performing loans and significant exposure to domestic government debt. ## Timeline ### 2026-09-29: Kenyan banking sector shows improved financial strength and market concentration Kenya's banking sector shows improving financial strength and profitability, with KCB Group maintaining the largest market share according to recent CBK and Moody’s reports. 2 sources. https://clstr.news/cluster/kenyan-banking-sector-shows-improved-financial-strength-and-market-concentration ### 2026-09-23: Central Bank of Kenya reports shifts in banking and mobile money The Central Bank of Kenya reports a rise in high-balance bank accounts and a 30 percent drop in mobile money transaction volumes due to shifting consumer usage patterns. 4 sources. https://clstr.news/cluster/central-bank-of-kenya-reports-shifts-in-banking-and-mobile-money --- Cite as: Kenyan banking sector financial trends. CLSTR, https://clstr.news/situations/kenyan-banking-sector-financial-trends