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06 Our Performance 01 CFO’s Financial Review
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Conclusion and appreciation

The economic and operating environment in which the Fund performed during the reporting period is discussed in detail in the Chief Investment Officer’s (CIO) report. The report provides further insight into the market conditions, investment strategies, and macroeconomic factors that influenced the Fund’s performance during the year. Please refer to the CIO’s report.

The financial year was characterised by resilient, disciplined, and value-focused performance. The sustained growth in revenue relative to costs over the past decade reflects the operating leverage, efficiency and cost discipline embedded within the Finance Function. It demonstrates our commitment to managing every shilling entrusted to the Fund responsibly and converting it into meaningful value for members.

Looking ahead, Finance will continue to support Fund-wide strategic and operational excellence by strengthening data-driven decision making, expanding predictive analytics, adopting relevant emerging technologies, improving processes, and developing our people. Through these priorities, we will support the delivery of Vision 2035, empower generations, and translate members’ trust into lasting value and wellbeing.

I convey my sincere appreciation to the Board and Executive Management Team for their guidance, support, and cooperation throughout the year. I also thank the Finance Team for its dedication, professionalism and continued commitment to excellence and innovation. Finally, I extend my appreciation to all NSSF employees for their collective contribution towards fulfilling the Fund’s purpose of Making Lives Better.

Together, we will continue to strengthen the Fund and create sustainable wellbeing for current and future generations.

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NSSF Integrated Report 2026

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NSSF Integrated Report 2026

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01

Report Overview

02

Our Business

03

Our Strategy

04

Our Governance

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Our Sustainability

06

Our Performance

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