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Review pending. Every figure has been located on its cited source page in an AI-assisted source verification (matched to the document's text) (17 October 2026). Independent review has not yet been carried out, and these pages are not indexed.AI-assisted source check done; independent review pending; not indexed. About the review

CRDB Bank

CRDB · Dar es Salaam Stock Exchange · Incorporated in Tanzania · Consolidated statements

On this page
Company details
Legal name
CRDB Bank Plc
Incorporated in
Tanzania
Listing
CRDB on the Dar es Salaam Stock Exchange, active (observed 2026-10-08)
Sector
Not classified (our classification from the stated principal activity)
Financial year ends
31 December

Overview

Year ended 31 December 2025 · annual report, signed / final · source

  • Net interest income

    TZS 1.39 trillion

    1,393,250 TZS millions · p195

    +25.9% vs 2024

    Net interest income (p195).

  • Net operating income

    TZS 1.88 trillion

    1,883,844 TZS millions · p195

    +24.1% vs 2024

    Net operating income as printed (p195); it is stated after credit loss expense, so it is not a gross total operating income.

  • Profit for the year

    TZS 729 billion

    728,566 TZS millions · p195

    +32.1% vs 2024

    Profit for the year (p195).

  • Total assets

    TZS 22.3 trillion

    22,308,936 TZS millions · p196

    +33.6% vs 2024

    TOTAL ASSETS (p196).

  • Deposits from customer

    TZS 14.9 trillion

    14,930,504 TZS millions · p196

    +36.5% vs 2024

    Deposits from customer (p196).

  • TOTAL EQUITY

    TZS 2.78 trillion

    2,783,821 TZS millions · p196

    +28.1% vs 2024

    TOTAL EQUITY (p196).

Large amounts are rounded for reading (TZS million / billion / trillion); exact figures as printed are under each amount and in the tables. No currency conversion.

Financial statements

Exact figures as printed. Each column comes from one filing; labels are as printed in the newest filing. Amounts in TZS millions unless the row says otherwise; brackets are negative.

† from a supplementary filing for the same year · ‡ signed audited statements preferred over a disputed figure · “–” is a printed dash, explained below the table

Column sources

  • FY2025 — annual report, signed / final; reported for the year · source
  • FY2024 — annual report, signed / final; comparative in the FY2025 filing · source
  • FY2023 — annual report, signed / final; reported for the year · source
  • FY2022 — annual report, signed / final; comparative in the FY2023 filing · source

Income statement

Income statement, TZS millions. Columns: FY2025 — annual report (signed / final), as reported for the year; FY2024 — annual report (signed / final), comparative reported in the annual report for 2025; FY2023 — annual report (signed / final), as reported for the year; FY2022 — annual report (signed / final), comparative reported in the annual report for 2023.
Line (as printed) FY2025Annual reportreported for the yearFY2024Annual reportcomparative in FY2025 filingFY2023Annual reportreported for the yearFY2022Annual reportcomparative in FY2023 filing
Interest income calculated using the effective interest method1 1,976,041 1,528,377 1,227,052 965,471
Other interest and similar income 483 –2 379 1,814
Interest expense calculated using the Effective interest method (577,455) (416,863) (346,426) (219,472)
Other interest and similar expenses3 (5,819) (4,755) (3,707) (1,980)
Net interest income 1,393,250 1,106,759 877,298 745,833
Income from Islamic financing and investment products4 22,816 12,449 Not reported in this filing5 Not reported in this filing6
Distribution on Islamic deposits and profit paid to Sukuk holders7 (7,898) (1,031) Not reported in this filing8 Not reported in this filing9
Net income from Islamic financing and investment products10 14,918 11,418 Not reported in this filing11 Not reported in this filing12
Net interest income and net income from Islamic financing and investment products13 1,408,168 1,118,177 Not reported in this filing14 Not reported in this filing15
Fees and commission income 599,314 538,925 428,839 333,909
Fees and commission expense (87,764) (86,013) (86,415) (70,737)
Net fees and commission income16 511,550 452,912 342,424 263,172
Insurance service revenue 41,444 14,351 Not reported in this filing17 Not reported in this filing18
Insurance service expense (22,959) (4,867) Not reported in this filing19 Not reported in this filing20
Insurance service result before reinsurance contracts held21 18,485 9,484 Not reported in this filing22 Not reported in this filing23
Net expense from reinsurance contracts held (14,288) (4,942) Not reported in this filing24 Not reported in this filing25
Insurance service result 4,197 4,542 Not reported in this filing26 Not reported in this filing27
Net Insurance Investment income28 2,903 –29 Not reported in this filing30 Not reported in this filing31
Results from insurance contracts32 7,100 4,542 Not reported in this filing33 Not reported in this filing34
Net foreign exchange income35 96,040 31,534 65,949 57,557
Credit loss expense on financial assets36 (153,589) (95,187) (39,658) (60,435)
Net gains on financial assets at fair value through profit or loss3738 1,900 1,556 349 2,613
Net losses on equity investment at fair value through profit or loss3940 –41 (2,145) –41 (595)
Net gains on derecognition of financial assets measured at fair value through other comprehensive income4243 7,836 5,510 7,038 44,268
Other operating income44 4,839 1,465 1,280 98
Net operating income4546 1,883,844 1,518,364 1,254,680 1,052,511
Operating expenses47 (319,709) (272,787) (218,599) (174,305)
Depreciation of Property and equipment and Motor vehicles (70,258) (58,947) (55,725) (51,533)
Amortization of right of use assets, prepaid leases and intangible assets48 (26,293) (25,317) (28,975) (19,385)
Employees benefit expenses49 (431,464) (380,448) (338,243) (304,870)
Impairment other Assets50 (5,609) (2,069) (3,729) (4,709)
Total operating expenses51 (853,333) (739,568) (656,029) (554,802)
Profit before income tax52 1,030,511 778,796 598,651 497,709
Income tax expense (301,945) (227,309) (175,859) (146,302)
Profit for the year53 728,566 551,487 422,792 351,407
Non-Controlling interests*54 (3,891) (2,955) (1,898) –55
Other comprehensive income for the year, net of tax 46,844 (20,508) (43,009) 2,376
Total comprehensive income 775,410 530,979 379,783 353,783
Impairment non-current held for sale56 Not reported in this filing57 Not reported in this filing58 (10,758) –59
  1. Printed “-”, read as nil: subtotal_arithmetic: is.net_interest_income.
  2. Printed “-”, read as nil: subtotal_arithmetic: is.native.co_hfcw3mjn30yf.results_from_insurance_contracts.
  3. Printed “-”, read as nil: subtotal_arithmetic: is.native.co_hfcw3mjn30yf.net_operating_income.
  4. Printed “-”; reading unresolved, so no amount is shown. Printed dash; no printed subtotal confirms a nil reading.
  5. Printed “-”, read as nil: subtotal_arithmetic: is.operating_expenses_aggregate.
Notes and alternative reported figures (54)
  1. Printed under different labels across filings: “Interest income calculated using the effective interest Method”; “Interest income calculated using the effective interest method”.
  2. “Other interest and similar expenses” is an issuer-specific line, not mapped to a shared definition: Other interest expense (note 13).
  3. “Income from Islamic financing and investment products” is an issuer-specific line, not mapped to a shared definition: Note 12.
  4. Not reported in this filing: Not printed: the FY2023 statement of profit or loss (p124, OCI on p125) has no 'Income from Islamic financing and investment products' line for 2023; the interest section prints 'Interest income calculated using the effective interest Method', 'Other interest and similar income', the two interest-expense lines and 'Net interest income'. Checked on the page image.
  5. Not reported in this filing: Not printed: the FY2023 statement of profit or loss (p124, OCI on p125) has no 'Income from Islamic financing and investment products' line for 2022; the interest section prints 'Interest income calculated using the effective interest Method', 'Other interest and similar income', the two interest-expense lines and 'Net interest income'. Checked on the page image.
  6. “Distribution on Islamic deposits and profit paid to Sukuk holders” is an issuer-specific line, not mapped to a shared definition: Note 13.
  7. Not reported in this filing: Not printed: the FY2023 statement of profit or loss (p124, OCI on p125) has no 'Distribution on Islamic deposits and profit paid to Sukuk holders' line for 2023; the interest section prints 'Interest income calculated using the effective interest Method', 'Other interest and similar income', the two interest-expense lines and 'Net interest income'. Checked on the page image.
  8. Not reported in this filing: Not printed: the FY2023 statement of profit or loss (p124, OCI on p125) has no 'Distribution on Islamic deposits and profit paid to Sukuk holders' line for 2022; the interest section prints 'Interest income calculated using the effective interest Method', 'Other interest and similar income', the two interest-expense lines and 'Net interest income'. Checked on the page image.
  9. “Net income from Islamic financing and investment products” is an issuer-specific line, not mapped to a shared definition: Islamic income less distributions.
  10. Not reported in this filing: Not printed: the FY2023 statement of profit or loss (p124, OCI on p125) has no 'Net income from Islamic financing and investment products' line for 2023; the interest section prints 'Interest income calculated using the effective interest Method', 'Other interest and similar income', the two interest-expense lines and 'Net interest income'. Checked on the page image.
  11. Not reported in this filing: Not printed: the FY2023 statement of profit or loss (p124, OCI on p125) has no 'Net income from Islamic financing and investment products' line for 2022; the interest section prints 'Interest income calculated using the effective interest Method', 'Other interest and similar income', the two interest-expense lines and 'Net interest income'. Checked on the page image.
  12. “Net interest income and net income from Islamic financing and investment products” is an issuer-specific line, not mapped to a shared definition: Net interest income plus net Islamic income.
  13. Not reported in this filing: Not printed: the FY2023 statement of profit or loss (p124, OCI on p125) has no 'Net interest income and net income from Islamic financing and investment products' subtotal for 2023; it prints 'Net interest income' only (no Islamic lines). Checked on the page image.
  14. Not reported in this filing: Not printed: the FY2023 statement of profit or loss (p124, OCI on p125) has no 'Net interest income and net income from Islamic financing and investment products' subtotal for 2022; it prints 'Net interest income' only (no Islamic lines). Checked on the page image.
  15. Printed under different labels across filings: “Net fees and Commission Income”; “Net fees and commission income”.
  16. Not reported in this filing: Not printed: the FY2023 statement of profit or loss (p124, OCI on p125) has no insurance section and no 'Insurance service revenue' line for 2023; after 'Net fees and Commission Income' it continues with 'Net foreign exchange income'. Checked on the page image.
  17. Not reported in this filing: Not printed: the FY2023 statement of profit or loss (p124, OCI on p125) has no insurance section and no 'Insurance service revenue' line for 2022; after 'Net fees and Commission Income' it continues with 'Net foreign exchange income'. Checked on the page image.
  18. Not reported in this filing: Not printed: the FY2023 statement of profit or loss (p124, OCI on p125) has no insurance section and no 'Insurance service expense' line for 2023; after 'Net fees and Commission Income' it continues with 'Net foreign exchange income'. Checked on the page image.
  19. Not reported in this filing: Not printed: the FY2023 statement of profit or loss (p124, OCI on p125) has no insurance section and no 'Insurance service expense' line for 2022; after 'Net fees and Commission Income' it continues with 'Net foreign exchange income'. Checked on the page image.
  20. “Insurance service result before reinsurance contracts held” is an issuer-specific line, not mapped to a shared definition: Insurance service revenue less insurance service expense.
  21. Not reported in this filing: Not printed: the FY2023 statement of profit or loss (p124, OCI on p125) has no insurance section and no 'Insurance service result before reinsurance contracts held' line for 2023; after 'Net fees and Commission Income' it continues with 'Net foreign exchange income'. Checked on the page image.
  22. Not reported in this filing: Not printed: the FY2023 statement of profit or loss (p124, OCI on p125) has no insurance section and no 'Insurance service result before reinsurance contracts held' line for 2022; after 'Net fees and Commission Income' it continues with 'Net foreign exchange income'. Checked on the page image.
  23. Not reported in this filing: Not printed: the FY2023 statement of profit or loss (p124, OCI on p125) has no insurance section and no 'Net expense from reinsurance contracts held' line for 2023; after 'Net fees and Commission Income' it continues with 'Net foreign exchange income'. Checked on the page image.
  24. Not reported in this filing: Not printed: the FY2023 statement of profit or loss (p124, OCI on p125) has no insurance section and no 'Net expense from reinsurance contracts held' line for 2022; after 'Net fees and Commission Income' it continues with 'Net foreign exchange income'. Checked on the page image.
  25. Not reported in this filing: Not printed: the FY2023 statement of profit or loss (p124, OCI on p125) has no insurance section and no 'Insurance service result' line for 2023; after 'Net fees and Commission Income' it continues with 'Net foreign exchange income'. Checked on the page image.
  26. Not reported in this filing: Not printed: the FY2023 statement of profit or loss (p124, OCI on p125) has no insurance section and no 'Insurance service result' line for 2022; after 'Net fees and Commission Income' it continues with 'Net foreign exchange income'. Checked on the page image.
  27. “Net Insurance Investment income” is an issuer-specific line, not mapped to a shared definition: Note 20D.
  28. Not reported in this filing: Not printed: the FY2023 statement of profit or loss (p124, OCI on p125) has no insurance section and no 'Net Insurance Investment income' line for 2023; after 'Net fees and Commission Income' it continues with 'Net foreign exchange income'. Checked on the page image.
  29. Not reported in this filing: Not printed: the FY2023 statement of profit or loss (p124, OCI on p125) has no insurance section and no 'Net Insurance Investment income' line for 2022; after 'Net fees and Commission Income' it continues with 'Net foreign exchange income'. Checked on the page image.
  30. “Results from insurance contracts” is an issuer-specific line, not mapped to a shared definition: Insurance service result plus net insurance investment income.
  31. Not reported in this filing: Not printed: the FY2023 statement of profit or loss (p124, OCI on p125) has no insurance section and no 'Results from insurance contracts' line for 2023; after 'Net fees and Commission Income' it continues with 'Net foreign exchange income'. Checked on the page image.
  32. Not reported in this filing: Not printed: the FY2023 statement of profit or loss (p124, OCI on p125) has no insurance section and no 'Results from insurance contracts' line for 2022; after 'Net fees and Commission Income' it continues with 'Net foreign exchange income'. Checked on the page image.
  33. “Net foreign exchange income” is an issuer-specific line, not mapped to a shared definition: Note 16.
  34. Printed under different labels across filings: “Credit Loss expense on financial assets”; “Credit loss expense on financial assets”.
  35. “Net gains on financial assets at fair value through profit or loss” is an issuer-specific line, not mapped to a shared definition: Note 17.
  36. Printed under different labels across filings: “Net gains on financial assets at fair value through profit or loss”; “Net gains/ (losses) on financial assets at fair value through profit or loss”.
  37. “Net losses on equity investment at fair value through profit or loss” is an issuer-specific line, not mapped to a shared definition: Note 17 (nil in 2025).
  38. Printed under different labels across filings: “Net losses on equity investment at fair value through profit or loss”; “Net losses on equity investment at fair value through profit or loss”.
  39. “Net gains on derecognition of financial assets measured at fair value through other comprehensive income” is an issuer-specific line, not mapped to a shared definition: Note 18.
  40. Printed under different labels across filings: “Net gains on derecognition of financial assets measured at fair value through other comprehensive income”; “Net gains on derecognition of financial assets measured at fair value through other comprehensive income”.
  41. Printed under different labels across filings: “Other Operating income”; “Other operating income”.
  42. “Net operating income” is an issuer-specific line, not mapped to a shared definition: Operating income after credit loss expense (net interest and Islamic income, fees, insurance, FX, ECL, fair-value gains and other income).
  43. Printed under different labels across filings: “Net Operating Income”; “Net operating income”.
  44. “Operating expenses” is an issuer-specific line, not mapped to a shared definition: Other operating expenses (note 21), within total operating expenses.
  45. “Amortization of right of use assets, prepaid leases and intangible assets”: mapping to a shared definition is uncertain. Amortisation of right-of-use assets, prepaid leases and intangible assets together.
  46. Printed under different labels across filings: “Employees benefit expenses”; “Employees benefit expenses”.
  47. “Impairment other Assets” is an issuer-specific line, not mapped to a shared definition: Impairment of other assets (note 36).
  48. Printed under different labels across filings: “Total Operating Expenses”; “Total operating expenses”.
  49. Printed under different labels across filings: “Profit before income tax”; “Profit before income tax”.
  50. Printed under different labels across filings: “Profit for the year”; “Profit for the year”.
  51. “Non-Controlling interests*” is an issuer-specific line, not mapped to a shared definition: Profit attributable to non-controlling interests.
  52. “Impairment non-current held for sale” is an issuer-specific line, not mapped to a shared definition: Impairment of non-current assets held for sale (note 37; FY2023 document).
  53. Not reported in this filing: Not printed: the FY2025 statement of profit or loss (p195) has no 'Impairment non-current held for sale' line for 2025; its operating-expense lines end with 'Impairment other Assets' and 'Total operating expenses'. Text layer.
  54. Not reported in this filing: Not printed: the FY2025 statement of profit or loss (p195) has no 'Impairment non-current held for sale' line for 2024; its operating-expense lines end with 'Impairment other Assets' and 'Total operating expenses'. Text layer.

Balance sheet

Balance sheet, TZS millions. Columns: FY2025 — annual report (signed / final), as reported for the year; FY2024 — annual report (signed / final), comparative reported in the annual report for 2025; FY2023 — annual report (signed / final), as reported for the year; FY2022 — annual report (signed / final), comparative reported in the annual report for 2023.
Line (as printed) FY2025Annual reportreported for the yearFY2024Annual reportcomparative in FY2025 filingFY2023Annual reportreported for the yearFY2022Annual reportcomparative in FY2023 filing
Cash and balances with the central bank 2,294,457 2,371,330 1,011,638 982,435
Due from banks 1,574,698 924,538 762,332 693,506
Financial Assets at fair value through profit or loss1 18,944 15,428 6,983 23,703
Debt Instruments at fair value through other com- prehensive income2 496,938 135,291 226,178 786,118
Equity investment at fair value through other comprehensive income3 23,683 13,609 11,652 11,644
Credit cards4 3,055 2,002 2,309 1,248
Loans and advances to customers 13,723,318 10,360,824 8,443,491 6,876,509
Debt Instrument at amortised cost 2,868,316 1,948,028 1,960,715 1,483,968
Other assets 569,179 259,978 310,630 246,824
Investment in subsidiaries5 –6 –6 –6 –6
Motor vehicles7 23,153 23,817 21,528 18,780
Property and equipment 379,066 374,007 372,699 353,491
Right-of-use assets 62,739 57,418 46,055 29,287
Prepaid leases8 8,551 8,737 9,007 9,306
Reinsurance contract assets 9,564 –6 Not reported in this filing9 Not reported in this filing10
Deferred income tax asset 109,083 98,416 93,917 51,949
Intangible assets 144,192 105,328 38,044 40,800
TOTAL ASSETS 22,308,936 16,698,751 13,321,289 11,636,557
Balances due to other banks11 1,132,828 1,108,682 995,561 1,127,369
Deposits from customer12 14,930,504 10,934,131 8,855,978 8,200,393
Other liabilities 342,579 420,633 374,862 181,671
Current income tax payable 18,686 6,827 Not reported in this filing13 Not reported in this filing14
Lease liability1516 70,219 63,064 49,817 31,437
Insurance contract liabilities17 28,654 8,163 1,341 –18
Reinsurance contract liabilities19 –18 1,173 184 –18
Bonds2021 714,388 175,204 175,204 –18
Borrowings 1,940,051 1,659,620 933,109 491,277
Subordinated debts2223 315,286 126,882 130,986 120,742
Grant2425 30,301 18,470 21,536 3,012
Provisions 1,619 2,656 1,223 1,580
TOTAL LIABILITIES 19,525,115 14,525,505 11,539,801 10,157,481
Share capital 65,296 65,296 65,296 65,296
Share premium 158,314 158,314 158,314 158,314
Retained earnings 2,446,220 1,869,055 1,491,183 1,196,472
Reserves2627 77,225 39,924 23,083 58,994
Total equity attributable to parent28 2,747,055 2,132,589 1,737,876 1,479,076
Total equity attributable to non-controlling Interest29 36,766 40,657 43,612 –30
TOTAL EQUITY 2,783,821 2,173,246 1,781,488 1,479,076
TOTAL LIABILITIES AND EQUITY 22,308,936 16,698,751 13,321,289 11,636,557
Equity investment at fair value through profit or loss31 Not reported in this filing32 Not reported in this filing33 2,283 2,291
Current income Tax recoverable Not reported in this filing34 Not reported in this filing35 1,828 8,098
Non-Current Assets Held for Sale36 Not reported in this filing37 Not reported in this filing38 –6 16,600
  1. Printed “-”, read as nil: subtotal_arithmetic: bs.total_assets.
  2. Printed “-”, read as nil: subtotal_arithmetic: bs.total_liabilities.
  3. Printed “-”, read as nil: subtotal_arithmetic: bs.total_equity.
Notes and alternative reported figures (35)
  1. Printed under different labels across filings: “Financial Assets at fair value through profit or loss”; “Financial Assets at fair value through profit or loss”.
  2. Printed under different labels across filings: “Debt Instruments at fair value through other com- prehensive income”; “Debt Instruments at fair value through other comprehensive income”.
  3. “Equity investment at fair value through other comprehensive income” is an issuer-specific line, not mapped to a shared definition: Note 31.
  4. “Credit cards” is an issuer-specific line, not mapped to a shared definition: Credit card receivables (note 32).
  5. “Investment in subsidiaries” is an issuer-specific line, not mapped to a shared definition: Bank only; dashes in the Group columns.
  6. “Motor vehicles” is an issuer-specific line, not mapped to a shared definition: Note 38.
  7. “Prepaid leases” is an issuer-specific line, not mapped to a shared definition: Note 41.
  8. Not reported in this filing: Not printed: the FY2023 statement of financial position (p126) has no 'Reinsurance contract assets' line for 2023; it prints only 'Reinsurance Contract Liabilities' among liabilities. Checked on the page image.
  9. Not reported in this filing: Not printed: the FY2023 statement of financial position (p126) has no 'Reinsurance contract assets' line for 2022; it prints only 'Reinsurance Contract Liabilities' among liabilities. Checked on the page image.
  10. Printed under different labels across filings: “Balances due to other banks”; “Deposits and balances due to other banks”.
  11. Printed under different labels across filings: “Deposits from Customer”; “Deposits from customer”.
  12. Not reported in this filing: Not printed: the FY2023 statement of financial position (p126) has no current income tax payable line for 2023; it prints 'Current income Tax recoverable' among assets, and no tax payable among liabilities. Checked on the page image.
  13. Not reported in this filing: Not printed: the FY2023 statement of financial position (p126) has no current income tax payable line for 2022; it prints 'Current income Tax recoverable' among assets, and no tax payable among liabilities. Checked on the page image.
  14. “Lease liability” is an issuer-specific line, not mapped to a shared definition: Lease liabilities, current and non-current together (note 47).
  15. Printed under different labels across filings: “Lease Liability”; “Lease liability”.
  16. Printed under different labels across filings: “Insurance Contract Liabilities”; “Insurance contract liabilities”.
  17. Printed under different labels across filings: “Reinsurance Contract Liabilities”; “Reinsurance contract liabilities”.
  18. “Bonds” is an issuer-specific line, not mapped to a shared definition: Bonds issued (note 49).
  19. Printed under different labels across filings: “Bonds”; “Green Bond”.
  20. “Subordinated debts” is an issuer-specific line, not mapped to a shared definition: Note 51.
  21. Printed under different labels across filings: “Subordinated Debts”; “Subordinated debts”.
  22. “Grant” is an issuer-specific line, not mapped to a shared definition: Deferred grants (note 52).
  23. Printed under different labels across filings: “Grant”; “Grants”.
  24. “Reserves” is an issuer-specific line, not mapped to a shared definition: Other reserves (note 56A).
  25. Printed under different labels across filings: “Reserve”; “Reserves”.
  26. Printed under different labels across filings: “Total Equity attributable to Parent”; “Total equity attributable to parent”.
  27. Printed under different labels across filings: “Total Equity attributable to non-controlling Interest”; “Total equity attributable to non-controlling Interest”.
  28. “Equity investment at fair value through profit or loss” is an issuer-specific line, not mapped to a shared definition: Note 31A (FY2023 document).
  29. Not reported in this filing: Not printed: the FY2025 statement of financial position (p196) has no 'Equity investment at fair value through profit or loss' line for 2025; it prints 'Financial Assets at fair value through profit or loss' and 'Equity investment at fair value through other comprehensive income'. Checked on the page image.
  30. Not reported in this filing: Not printed: the FY2025 statement of financial position (p196) has no 'Equity investment at fair value through profit or loss' line for 2024; it prints 'Financial Assets at fair value through profit or loss' and 'Equity investment at fair value through other comprehensive income'. Checked on the page image.
  31. Not reported in this filing: Not printed: the FY2025 statement of financial position (p196) has no current income tax recoverable line for 2025; it prints 'Current income tax payable' among liabilities. Checked on the page image.
  32. Not reported in this filing: Not printed: the FY2025 statement of financial position (p196) has no current income tax recoverable line for 2024; it prints 'Current income tax payable' among liabilities. Checked on the page image.
  33. “Non-Current Assets Held for Sale” is an issuer-specific line, not mapped to a shared definition: Note 37 (FY2023 document; 2023 printed '-').
  34. Not reported in this filing: Not printed: the FY2025 statement of financial position (p196) has no 'Non-Current Assets Held for Sale' line for 2025. Checked on the page image.
  35. Not reported in this filing: Not printed: the FY2025 statement of financial position (p196) has no 'Non-Current Assets Held for Sale' line for 2024. Checked on the page image.

Cash flow

Cash flow, TZS millions. Columns: FY2025 — annual report (signed / final), as reported for the year; FY2024 — annual report (signed / final), comparative reported in the annual report for 2025; FY2023 — annual report (signed / final), as reported for the year; FY2022 — annual report (signed / final), comparative reported in the annual report for 2023.
Line (as printed) FY2025Annual reportreported for the yearFY2024Annual reportcomparative in FY2025 filingFY2023Annual reportreported for the yearFY2022Annual reportcomparative in FY2023 filing
Net cash generated from / used in operating activ- ities1 (109,494) 1,121,137 (339,307) (69,486)
Purchase of property and equipment (68,929) (60,922) (73,955) (45,552)
Purchase of motor vehicle2 (6,628) (7,336) (6,922) (1,944)
Purchase of intangible assets (49,449) (43,135) (11,058) (25,667)
Prepaid operating lease3 (70) Not reported in this filing4 Not reported in this filing5 Not reported in this filing6
Investment in Subsidiaries7 –8 –8 –8 –8
Dividend received9 122 156 820 –8
Proceeds from disposal of property and equipment and motor vehicle10 1,517 891 542 665
Net cash used in investing activities (123,437) (110,346) (90,573) (72,498)
Dividends paid (169,169) (127,407) (115,354) (91,928)
Equity investment FVOCI11 (8,125) (7,857) Not reported in this filing12 Not reported in this filing13
Grant received14 15,534 –15 19,900 –15
Grant utilised16 (4,021) –15 Not reported in this filing17 Not reported in this filing18
Borrowings received 627,436 978,057 578,741 349,880
Bonds received1920 529,024 –15 171,826 –15
Interest paid on bonds21 (46,611) (17,612) Not reported in this filing22 Not reported in this filing23
Repayment of borrowings (370,676) (246,588) (161,513) (59,202)
Interest paid on borrowings24 (113,463) (82,020) (55,121) (24,663)
Receipts from Subordinated debt25 185,779 –15 –15 116,597
Interest paid on subordinate debt26 (15,795) (13,325) (10,973) (2,920)
Interest paid on lease liabilities (5,819) (4,755) (3,707) (1,979)
Principal payment on lease liabilities (14,177) (12,537) (14,267) (9,075)
Net cash generated from financing activities27 609,917 465,956 455,042 276,710
Cash and cash equivalents at 1 January*28 2,920,870 1,412,572 1,288,450 1,151,892
Foreign currency exchange difference29 61,469 31,551 23,937 1,832
Cash and cash equivalents at 31 December 3,359,325 2,920,870 1,337,549 1,288,450
Proceeds from issuance of shares to Non-Controlling interest30 Not reported in this filing31 Not reported in this filing32 45,510 –15
  1. Printed “-”, read as nil: subtotal_arithmetic: cf.cash_from_investing.
  2. Printed “-”, read as nil: subtotal_arithmetic: cf.cash_from_financing.
Notes and alternative reported figures (30)
  1. Printed under different labels across filings: “Net cash generated from / used in operating activ- ities”; “Net cash used in operating activities”.
  2. “Purchase of motor vehicle” is an issuer-specific line, not mapped to a shared definition: Investing.
  3. “Prepaid operating lease” is an issuer-specific line, not mapped to a shared definition: Investing (Group 2024 cell blank).
  4. Not reported in this filing: The line 'Prepaid operating lease' carries a 2025 amount only; the Group 2024 column is blank (p198). Blank confirmed on the page image; not interpreted as nil.
  5. Not reported in this filing: Not printed: the FY2023 statement of cash flows (p131-132) has no 'Prepaid operating lease' line for 2023; investing lines are property and equipment, motor vehicle, intangible assets, investment in subsidiaries, dividend received and disposal proceeds. Checked on the page image.
  6. Not reported in this filing: Not printed: the FY2023 statement of cash flows (p131-132) has no 'Prepaid operating lease' line for 2022; investing lines are property and equipment, motor vehicle, intangible assets, investment in subsidiaries, dividend received and disposal proceeds. Checked on the page image.
  7. “Investment in Subsidiaries” is an issuer-specific line, not mapped to a shared definition: Investing (dashes in the Group columns).
  8. “Dividend received” is an issuer-specific line, not mapped to a shared definition: Investing.
  9. “Proceeds from disposal of property and equipment and motor vehicle” is an issuer-specific line, not mapped to a shared definition: Investing.
  10. “Equity investment FVOCI” is an issuer-specific line, not mapped to a shared definition: Financing, as presented by the issuer.
  11. Not reported in this filing: Not printed: the FY2023 statement of cash flows (p131-132) has no 'Equity investment FVOCI' line for 2023 in financing or investing activities. Checked on the page image (p132).
  12. Not reported in this filing: Not printed: the FY2023 statement of cash flows (p131-132) has no 'Equity investment FVOCI' line for 2022 in financing or investing activities. Checked on the page image (p132).
  13. “Grant received” is an issuer-specific line, not mapped to a shared definition: Financing.
  14. “Grant utilised” is an issuer-specific line, not mapped to a shared definition: Financing.
  15. Not reported in this filing: Not printed: the FY2023 statement of cash flows (p131-132) has no 'Grant utilised' line for 2023 in financing activities (which print 'Grant received'). The operating section prints a non-cash adjustment 'Grant utilization' (p131), a different line in a different section. Checked on the page image (p132).
  16. Not reported in this filing: Not printed: the FY2023 statement of cash flows (p131-132) has no 'Grant utilised' line for 2022 in financing activities (which print 'Grant received'). The operating section prints a non-cash adjustment 'Grant utilization' (p131), a different line in a different section. Checked on the page image (p132).
  17. “Bonds received” is an issuer-specific line, not mapped to a shared definition: Financing.
  18. Printed under different labels across filings: “Bonds received”; “Green Bond received”.
  19. “Interest paid on bonds” is an issuer-specific line, not mapped to a shared definition: Financing.
  20. Not reported in this filing: Not printed: the FY2023 statement of cash flows (p131-132) has no 'Interest paid on bonds' line for 2023; financing prints 'Green Bond received', 'Interest paid on borrowings', 'Interest paid on subordinate debt' and 'Interest paid on lease liabilities'. Checked on the page image.
  21. Not reported in this filing: Not printed: the FY2023 statement of cash flows (p131-132) has no 'Interest paid on bonds' line for 2022; financing prints 'Green Bond received', 'Interest paid on borrowings', 'Interest paid on subordinate debt' and 'Interest paid on lease liabilities'. Checked on the page image.
  22. “Interest paid on borrowings” is an issuer-specific line, not mapped to a shared definition: Financing.
  23. “Receipts from Subordinated debt” is an issuer-specific line, not mapped to a shared definition: Financing.
  24. “Interest paid on subordinate debt” is an issuer-specific line, not mapped to a shared definition: Financing.
  25. Printed under different labels across filings: “Net cash generated from financing activities”; “Net cash generated from financing activities”.
  26. Printed under different labels across filings: “Cash and cash equivalents at 1 January”; “Cash and cash equivalents at 1 January*”.
  27. Printed under different labels across filings: “Effect of exchange rate change on cash and cash equivalents”; “Foreign currency exchange difference”.
  28. “Proceeds from issuance of shares to Non-Controlling interest” is an issuer-specific line, not mapped to a shared definition: Financing (FY2023 document).
  29. Not reported in this filing: Not printed: the FY2025 statement of cash flows (p198) has no 'Proceeds from issuance of shares to Non-Controlling interest' line for 2025. Checked on the page image.
  30. Not reported in this filing: Not printed: the FY2025 statement of cash flows (p198) has no 'Proceeds from issuance of shares to Non-Controlling interest' line for 2024. Checked on the page image.

Per share and shares

Per share and shares. Columns: FY2025 — annual report (signed / final), as reported for the year; FY2024 — annual report (signed / final), comparative reported in the annual report for 2025; FY2023 — annual report (signed / final), as reported for the year; FY2022 — annual report (signed / final), comparative reported in the annual report for 2023.
Line (as printed) FY2025Annual reportreported for the yearFY2024Annual reportcomparative in FY2025 filingFY2023Annual reportreported for the yearFY2022Annual reportcomparative in FY2023 filing
Earnings / (loss) per share (per share)1 280.42 211.15 161.88 134.54
Profit / (loss) attributable to shareholders (TZS millions)2 732,457 554,442 424,690 351,407
Notes and alternative reported figures (2)
  1. Earnings / (loss) per share: printed as “Basic and diluted earnings per share attributable to equity holders of the parent entity (TZS)”.
  2. Profit / (loss) attributable to shareholders: printed as “Equity holders of the parent”.

Segments

Segment data not yet collected for this company in the pilot.

Dividends

Proposed or recommended, declared and paid are different events and are kept apart. A statement that no dividend was proposed does not mean none was paid.

Dividend events, the issuer's wording, and amounts as printed
Year endedEventWording as printedAmountUnitSource
31 Dec 2025 Dividends paid (cash flow statement) Dividends paid (169,169) TZS millions Annual report, p198
31 Dec 2024 Dividends paid (cash flow statement) Dividends paid (127,407) TZS millions Annual report, p198
31 Dec 2023 Dividends paid (cash flow statement) Dividends paid (115,354) TZS millions Annual report, p132
31 Dec 2022 Dividends paid (cash flow statement) Dividends paid (91,928) TZS millions Annual report, p132

Sources

Each filing used on this page, newest period first. Dates are the document's own; the date we retrieved a file is shown separately and is never a publication date.

  • 2025 Intergrated Report and Consolidated Financial Statements

    Year ended 31 December 2025 · Annual report · signed / final

    Audit: PricewaterhouseCoopers (Certified Public Accountants, Dar es Salaam), unmodified opinion · signed

    Auditor's sign-off: Cletus Kiyuga (ACPA PP1981), for and on behalf of PricewaterhouseCoopers

    Final status: The independent auditor's report to the members of CRDB Bank Plc (PDF pp193-194) gives an unmodified opinion on the Group and Bank financial statements on printed pages 388 to 664 (the statements and notes in this report), is signed with a handwritten signature image by Cletus Kiyuga (ACPA PP1981) for and on behalf of PricewaterhouseCoopers, Dar es Salaam, and dated 31st March 2026 (page image p194). The statements were approved and authorised for issue by those charged with governance on 13 March 2026 and signed by Prof. Neema M. Mori (Chairperson), Dr. Abdulmajid M. Nsekela (Managing Director) and Gerald P. Kasaato (Non-Executive Director) (signature images, page image p196).

    Document date
    31 Mar 2026
    Auditor's report
    31 Mar 2026
    Board approval
    13 Mar 2026
    Retrieved by us
    8 Oct 2026 (not a publication date)
    Used for
    statement columns FY2025, FY2024
    Basis
    consolidated statements · TZS millions (printed “In TZS' Million”)
    • Cash and cash equivalents in the cash-flow statement (3 359 325; 2024: 2 920 870) are defined in note 58(A) (cash in hand, 20% of the statutory minimum reserve, balances with the central bank and gross due from banks), not as a line of the statement of financial position. No net-change-in-cash line is printed: the statement goes from the three net flows to the opening and closing balances with the exchange difference. 'Net operating income' is after credit loss expense.
    • The 2024 columns of the income statement and cash-flow statement are headed 'Restated' (note 65 reclassifications; opening cash restated for access to 20% of the statutory minimum reserve); the comparatives are marked restated. The statement of financial position's 2024 columns carry no such heading.
    • Integrated report with the full audited Group and Bank IFRS financial statements and notes (printed pages 388-664, PDF pp195-333). The Group columns are transcribed.
    Technical details
    File
    333 pages, with a text layer
    SHA-256
    d480513bbcc18a8307094eda2f3b2b5bf27591329e0877c4a3e53546b73b203d
    Entity as printed
    CRDB Bank Plc (the Bank) and its subsidiaries (together the Group)
    Issuer copy
    retrieved 2026-10-08T19:52:03Z

  • 2023 Annual Report — Broadening our Horizons

    Year ended 31 December 2023 · Annual report · signed / final

    Audit: Ernst & Young (Certified Public Accountants, Dar es Salaam), unmodified opinion · signed

    Auditor's sign-off: Deokari S. Mkenda (ACPA 3438), for and on behalf of Ernst & Young

    Final status: The independent auditor's report to the members of CRDB Bank Plc (PDF pp121-123) gives an unmodified opinion on the consolidated and separate financial statements on printed pages 177 to 425; it is signed with a handwritten signature above 'Deokari S. Mkenda (ACPA 3438), For and on behalf of: Ernst & Young, Certified Public Accountants, Dar es Salaam', and the date '28 March 2024' is handwritten above the 'Date' line (page image p123; the date is not in the text layer). The statements were approved and authorised for issue by those charged with governance on 15 March 2024 and signed by Dr. Ally H. Laay (Chairman), Abdulmajid M. Nsekela (Managing Director) and Hosea E. Kashimba (Non-executive Director) (handwritten signatures, page image p126).

    Document date
    28 Mar 2024
    Auditor's report
    28 Mar 2024
    Board approval
    15 Mar 2024
    Retrieved by us
    8 Oct 2026 (not a publication date)
    Used for
    statement columns FY2023, FY2022
    Basis
    consolidated statements · TZS millions (printed “In TZS’ Million”)
    • Cash and cash equivalents in the cash-flow statement (1,337,549; 2022: 1,288,450, note 59) are defined in the notes, not as a line of the statement of financial position. No net-change-in-cash line is printed: the statement goes from the three net flows to the opening and closing balances with the exchange difference (p132). 'Net Operating Income' is after credit loss expense. The statement of financial position is ordered by liquidity (no current/non-current subtotals).
    • The profit attributable to equity holders of the parent (424,690) exceeds profit for the year (422,792) because the non-controlling interests' share is a loss (1,898) (p124).
    • 2023 Annual Report with the full audited Group and Bank IFRS financial statements and notes (printed pages 177-425). The Group columns are transcribed.
    Technical details
    File
    377 pages, with a text layer
    SHA-256
    55452cfa7c667a03f9800d89966cd81951b269499c1f72acd0c79f76bbe481ee
    Entity as printed
    CRDB Bank Plc (the 'Bank') and its subsidiaries (together, the 'Group')
    Issuer copy
    retrieved 2026-10-08T19:52:20Z

Data notes

No figure-level notes beyond those in the tables.

Review status: every figure has been located on its cited source page in an AI-assisted source verification (matched to the document's text) (17 October 2026). Independent review is pending for every figure; automated checks and the AI-assisted verification are not independent review.

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