Commercial Banks & Mortgage Finance Institutions

Commercial Banks and Mortgage Finance Institutions are licensed and regulated pursuant to the provisions of the Banking Act and the Regulations and Prudential Guidelines issued thereunder. They are the dominant players in the Kenyan Banking system and closer attention is paid to them while conducting off-site and on-site surveillance to ensure that they are in compliance with the laws and regulations.

Currently there are there are 42 licensed commercial banks and 1 mortgage finance company.


Find below the list of registered Commercial Banks, Mortgage Finance Companies and Bank Branch listing.

Out of the 43 institutions, 39 commercial banks and the mortgage finance institution are privately owned while the Kenya Government holds controlling stakes in the remaining 3 commercial banks. 25 of the 39 privately owned banks and the 1 mortgage finance institution are locally owned (i.e their controlling shareholders are domiciled in Kenya) while 14 are foreign owned. The ownership structure of licensed commercial banks and mortgage finance institutions is as depicted in the chart below:




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