Sidian Bank Owners, Branches & Loans Offered

Sidian Bank Limited has been in operation for 40 years, having started as a project aimed at supporting the development of SME, Corporate, and Micro customers.

Over time, it has grown into a fully-fledged financial institution offering solutions in areas such as trade finance, public sector, corporate banking, bancassurance, consumer banking, custodial services, SACCO banking, government and institutional banking, retail and SME banking, digital banking, as well as Treasury and forex services.

Bakki Holdco Limited (Bakki), the largest shareholder of the bank with a shareholding of 27.27%, is a wholly owned subsidiary of Centum Investment Company PLC, which has been a shareholder of the Bank since 2004.

Centum Investment Company PLC is a leading investment company listed on the Nairobi Securities Exchange and Uganda Securities Exchange with a Net Asset Value of Ksh41.04 billion as of FY2024.

At the same time Pioneer General Insurance Limited has 16.89%, Wizpro Enterprises Limited has 24.95%, Afram Limited has 24.36%, Telesec Africa Limited has 3.47% and Pioneer Life Investments Limited has 3.06%.

The Government of Kenya, through Kenya Development Corporation (KDC), owns 22.97% of the shares in Centum Investment Company PLC thus ultimately owning indirectly a stake of 3.13% in the Bank.

As of 31st March 2025, Sidian Bank Limited reported total assets valued at Ksh 68.1 billion, total customer deposits amounting to Ksh 50.2 billion, and total equity of Ksh 7.9 billion.

The bank operates 47 branches across the country, employs 604 staff members, and continues to expand its footprint and services in the Kenyan financial sector.

Loans Offered

Micro Finance Individual Loans – Product Summary

Sidian Bank’s Micro Finance Individual Loan targets microenterprises that have been in continuous operation for at least 24 months. It is designed to support individual entrepreneurs seeking to grow their small businesses.

Eligibility Criteria:
Applicants must have maintained an active account with Sidian Bank for at least six months and must have a clean repayment history on any previous loans. Additionally, the loan repayment obligation must not exceed the borrower’s Net Household Income (NHI).

Loan Amount:
The loan offers a minimum amount of Ksh300,000, with exceptions allowed for repeat customers. The maximum loan limit is Ksh3,000,000.

This facility is ideal for stable microenterprises looking for flexible, individual-focused financing solutions to scale their operations.

Chama Biashara Loan 

The Chama Biashara Loan is tailored for customers who have maintained an active Sidian Bank account for a minimum of six months and have a clean repayment history on previous loans. Applicants must ensure that the loan repayment obligation does not exceed their Net Household Income (NHI).

Collateral Requirements:

• A 20% cash collateral is required prior to loan application and disbursement.

• For loan amounts exceeding Ksh1,000,000, security must include cash collateral, fully charged logbooks, and/or title deeds.

• Additional collateral may include stock hypothecation, which must be backed by all-risk insurance with Sidian Bank listed as the first loss payee, as arranged through Sidian Insurance Agency.

This loan is ideal for registered chamas or business groups seeking to expand their operations while maintaining responsible financial practices.

Also Read: Ecobank Ownership, Branches & Loans Offered

Asset Finance 

Sidian Bank’s Asset Finance facility offers financing of up to Ksh5,000,000 to support asset acquisition for qualified customers.

Key Features:

• Financing of up to 95% of the asset’s value.

• The client is required to contribute 20% of the asset value, which will be held by the bank throughout the purchase process.

• Applicants must operate an active account with Sidian Bank for a minimum of six months.

• A valid operational Till or Paybill number is required.

• Applicants must provide 12 months’ bank statements from their previous bank.

• For hospitals, transfer of NHIF and insurance proceeds to Sidian Bank is required.

• A facility fee of 3% applies at disbursement.

• An annual renewal fee of 1.5% is charged thereafter.

Also Read: SBM Bank Owners, Branches & Loans Offered

Sidian Bank Branches

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