Regulated saccos' gross loans vs total deposits

Regulated Savings and Credit Cooperative Societies (SACCOs) in Kenya demonstrated significant and consistent financial growth between 2021 and 2025.

Gross Loans and Total Deposits both saw steady increases, highlighting the growing trust and reliance on SACCOs.

In 2021, gross loans stood at Sh608.75 billion, and this figure is projected to rise to an impressive Sh908.93 billion by 2025. Total deposits, were Sh564.89 billion in 2021.

Throughout the period, borrowings (gross loans) consistently exceeded deposits, indicating strong demand for credit among SACCO members and an active lending environment.

The most substantial gap is projected for 2025, with loans exceeding deposits by over Sh100 billion.

This aggressive lending is further supported by an external financial boost, as a local financial consultant group, AVLC, has reportedly secured over Sh1.3 billion in World Bank funding for more than five SACCOs this year [2025].

The sustained increase in both loans and deposits underscores the vital role regulated SACCOs play in Kenya's financial inclusion and economic development.