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DB Scheme Overview

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CBK Pension Fund (DB Scheme) Investments as at June 2025

Asset Class Kshs. ‘000 Invest Port % RBA Limit %
Quoted Equities 4,522,704 13 70
Private Equity 476,607 1.4 10
Government Securities 18,130,089 51.7 70
Corporate Bonds and Commercial Paper 86,398 0.3 30
Fixed and Term deposits 759,420 2 30
Offshore Investments 957,102 2.7 15
Property Investments 9,450,480 27 30
Fixed Assets 46,348 0.1 -
Other Assets 640,086 1.8 10
TOTAL 35,069,234 100

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The Fund reported a strong performance in 2025 with a return of 19.2%. The significant improvement was driven by good performance from the debts and equity instrument portfolios.

The Fund's total assets increased by Shs. 3.6 Billion during the year, reflecting overall growth in the asset base. This was attributable to improved investment performance

CBK Pension Fund (DB Scheme) Financial Performance: 2021 - 2025

(Figures In Kshs. Million)
2021 2022 2023 2024 2025
Fund Value 32,020 30,158 29,792 31,069 34,727
Liabilities 170,817 580,540 231,844 302,147 342,072
Net return on Investments 3,326 -259 1,442 3,273 6,122
Contributions 109 100 84 71 57
STATS
Net Total Return % 10.8% -1.1% 4.3% 10.5% 19.2%
Fund Growth % 10.2% -1.2% 4.4% 4.3% 11.8%

CBK Pension Fund (DB Scheme) Investments as at June 2024

Investment Class Amount (Kshs M) Portfolio %
Financial Asset 21,776 69.57%
Investment property 9,460 30%
Cash at Bank 0.9 0.30%
Property and Equipment 42 0.13%
TOTAL 31,371 100.00%

CBK Pension Fund (DB Scheme) Investments as at June 2024

CBK Pension Fund (DB Scheme) Financial Performance: 2019 - 2023

(Figures In Kshs. Million)
2019 2020 2021 2022 2023
Fund Value 30,555 30,125 32,020 30,158 29,792
Liabilities 18,197 21,738 21,738 21,738 21,738
Net return on Investments 1,369 1,050 3,326 -259 1,442
Contributions 145 129 109 100 84
...
STATS
Net Income % 4.5% 3.5% 10.4% -0.9% 4.8%
Fund Growth % 0.8% -1.4% 6.3% -5.8% -1.2%
...
ABSOLUTE NUMBERS
Active/ contributing members 349 285 246 209 168
Pensioners and beneficiaries 790 849 892 942 972

CBK Pension Fund (DB Scheme) Investments as at June 2023

Asset Class Kshs. ‘000 Invest Port % RBA Limit %
Quoted Equities 3,678,959 12 70
Private Equity 434,916 1 10
Government Securities 13,821,592 46 70
Corporate Bonds and Commercial Paper 222,219 1 30
Fixed and Term deposits 1,668,356 6 30
Offshore Investments 149,398 1 15
Property Investments 9,448,100 32 30
Fixed Assets 5,422 0 -
Other Assets 363,304 1 10
TOTAL 29,792,266 100