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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

FDH Bank

FDHB · Malawi Stock Exchange · Consolidated statements

On this page
Company details
Legal name
FDH Bank Plc
Listing
FDHB on the Malawi Stock Exchange, active · ISIN MWFDHB001166 (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 · published summary of audited statements, final status not established · source

Read with these figures

  • Published summary of audited statements not confirmed as final. The published copy is unsigned. The FY2025 figures come from it.
Full wording and sources

  • Published summary of audited statements for 2025: final status not established

    A report of the independent auditor on the summary consolidated and separate financial statements (ISA 810 (Revised)) is printed, closed by the EY logo and 'Chartered Accountants (Malawi), Chiwemi Chihana, Registered Practicing Accountant, 31st March 2026', typeset with no visible signature (page image p2). The directors' commentary is issued 'By order of the Board' with the typeset names of the Board Chairperson, Managing Director, Chairperson of the Finance and Audit Committee and Head of Finance, dated 30th March 2026, no signatures (page image p1). The underlying statements were approved by the Board on 24 February 2026 (p1).

    Source: Summary Consolidated and Separate Financial Results for the year ended 31st December 2025 (dated 2026-03-31)

  • 2025: figures from a published summary

    These columns come from a summary of the audited statements, not the full audited financial statements. 'They are derived from the consolidated and separate financial statements approved by the Board of Directors on 24 February 2026 and are available at the Bank's registered office.' (p1) 'REPORT OF THE INDEPENDENT AUDITOR ON THE SUMMARY CONSOLIDATED AND SEPARATE FINANCIAL STATEMENTS ... In our opinion, the accompanying summary consolidated and separate financial statements are consistent, in all material respects, with the audited consolidated and separate financial statements' and 'We expressed an unmodified audit opinion on the audited consolidated and separate financial statements in our report dated 30 March 2026.' EY logo; Chartered Accountants (Malawi), Chiwemi Chihana, 31st March 2026; typeset, unsigned (p2). Summary consolidated and separate statements of profit or loss and OCI (condensed: interest, non-interest income, operating expenses, impairment, tax), financial position (line items, no current split), changes in equity (three lines) and cash flows (operating before tax, tax, and one total each for investing and financing) (p2), plus supplementary notes on impairment by sector, credit concentration, related-party loans, lending rates and directors' remuneration. No earnings per share is printed.

    Source: Summary Consolidated and Separate Financial Results for the year ended 31st December 2025 (dated 2026-03-31)

  • Net interest income

    MWK 257 billion

    256,551,159 MWK thousands · p2

    Change not shown.

    Interest income less interest expense, as printed.

  • Total income

    MWK 333 billion

    333,401,531 MWK thousands · p2

    Change not shown.

    The bank's own total of its income lines before credit impairment and operating expenses, under its printed label. What it includes differs between banks; it is not revenue.

  • Profit / (loss) for the year

    MWK 148 billion

    147,795,661 MWK thousands · p2

    Change not shown.

  • Total assets

    MWK 1.64 trillion

    1,635,508,850 MWK thousands · p2

    Change not shown.

  • Customer deposits

    MWK 1.13 trillion

    1,125,008,424 MWK thousands · p2

    Change not shown.

  • Total equity

    MWK 249 billion

    249,065,805 MWK thousands · p2

    Change not shown.

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

Not shown: the two years come from different filings.

Financial statements

Exact figures as printed. Each column comes from one filing; labels are as printed in the newest filing. Amounts in MWK thousands 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 — published summary of audited statements (summary), final status not established; reported for the year · source
  • FY2024 — annual report, signed / final; reported for the year · source
  • FY2023 — annual report, signed / final; comparative in the FY2024 filing · source

Income statement

Income statement, MWK thousands. Columns: FY2025 — published summary of audited statements (final status not established), as reported for the year; FY2024 — annual report (signed / final), as reported for the year; FY2023 — annual report (signed / final), comparative reported in the annual report for 2024.
Line (as printed) FY2025Published summary of audited statements (summary)reported for the yearFY2024Annual reportreported for the yearFY2023Annual reportcomparative in FY2024 filing
Interest income1 310,883,072 181,628,711 73,424,273
Interest expenses2 (54,331,913) (40,285,646) (13,574,907)
Net interest income 256,551,159 141,343,065 59,849,366
Non-interest income 76,850,372 Not reported in this filing43 Not reported in this filing4
Total income 333,401,531 195,198,807 103,005,126
Operating expenses (79,339,987) Not reported in this filing65 Not reported in this filing6
Profit before provision for impaired loans and advances7 254,061,544 129,769,915 56,844,942
Net charge on impaired loans and advances89 (6,616,712) (7,863,181) (1,388,820)
Profit before tax10 247,444,832 121,906,734 55,456,122
Taxation11 (99,649,169) (47,843,732) (19,809,193)
Profit after tax12 147,795,661 74,063,002 35,646,929
Total other income net of tax13 5,290,724 (231,778) 804,965
Total comprehensive (loss)/income for the year14 153,086,385 73,831,224 36,451,894
Revaluation surplus15 8,097,539 2,191,000 1,149,950
Deferred tax16 (2,813,117) (2,422,778) (344,985)
Foreign Currency Translation Differences17 6,301 Not reported in this filing1918 Not reported in this filing19
Commissions and other fee income20 Not reported in this filing21 53,855,742 43,155,760
Administrative costs Not reported in this filing22 (29,206,561) (21,678,580)
Depreciation and amortisation23 Not reported in this filing24 (3,420,903) (2,934,835)
Employee benefits costs Not reported in this filing25 (32,801,428) (21,546,769)
Total expenditure26 Not reported in this filing27 (65,428,892) (46,160,184)
Notes and alternative reported figures (27)
  1. Printed under different labels across filings: “Interest earned”; “Interest income”.
  2. Printed under different labels across filings: “Interest expense”; “Interest expenses”.
  3. Published summary of audited statements dated 2026-03-31 presents this line for this year: 53,855,742 (p2). Not shown in this column, which follows one filing's presentation.
  4. Not reported in this filing: Not reported under this label in this filing: the filing prints this item as 'Commissions and other fee income' (p41), shown in the row 'Fee and commission income'. Text layer.
  5. Published summary of audited statements dated 2026-03-31 presents this line for this year: (65,428,892) (p2). Not shown in this column, which follows one filing's presentation.
  6. Not reported in this filing: Not reported under this label in this filing: the filing prints this item as 'Total expenditure' (p41), shown in the row 'Total expenditure'. Text layer.
  7. Printed under different labels across filings: “Profit before provision for impaired loans and advances”; “Profit before tax and net impartment losses”.
  8. “Net charge on impaired loans and advances”: mapping to a shared definition is uncertain. Printed 'Impairment losses' (note 8, loans and advances); the cash flow statement also adds back impairment on government securities.
  9. Printed under different labels across filings: “Impairment losses”; “Net charge on impaired loans and advances”.
  10. Printed under different labels across filings: “Profit before Tax”; “Profit before tax”.
  11. Printed under different labels across filings: “Income tax expense”; “Taxation”.
  12. Printed under different labels across filings: “Profit after tax”; “Profit for the year”.
  13. Printed under different labels across filings: “Total other comprehensive (loss) / income net of tax”; “Total other income net of tax”.
  14. Printed under different labels across filings: “Total Comprehensive income for the year”; “Total comprehensive (loss)/income for the year”.
  15. “Revaluation surplus” is an issuer-specific line, not mapped to a shared definition: Other comprehensive income, note 13 (not reclassified).
  16. “Deferred tax” is an issuer-specific line, not mapped to a shared definition: Other comprehensive income, note 20.
  17. “Foreign Currency Translation Differences” is an issuer-specific line, not mapped to a shared definition: Other comprehensive income line as printed by FDH Bank (group columns).
  18. Published summary of audited statements dated 2026-03-31 presents this line for this year: - (p2). Not shown in this column, which follows one filing's presentation.
  19. Not reported in this filing: The FY2024 statement of profit or loss and other comprehensive income (p41) prints no foreign currency translation line; the line first appears in the FY2025 statements (p2 of that document).
  20. “Commissions and other fee income”: mapping to a shared definition is uncertain. Printed 'Commissions and other fee income' (note 23); no separate other income line.
  21. Not reported in this filing: Not reported under this label in this filing: the filing prints this item as 'Non-interest income' (p2), shown in the row 'Non-interest income (total, as printed)'. Checked on the page image.
  22. Not reported in this filing: Not reported separately: the summary statement of profit or loss (p2) prints no administrative line; expenses are shown only as the single line 'Operating expenses' (79,339,987). Checked on the page image.
  23. “Depreciation and amortisation” is an issuer-specific line, not mapped to a shared definition: Notes 13 and 14: one line.
  24. Not reported in this filing: Not reported separately: the summary statement of profit or loss (p2) prints no depreciation and amortisation line; expenses are shown only as the single line 'Operating expenses' (79,339,987). Checked on the page image.
  25. Not reported in this filing: Not reported separately: the summary statement of profit or loss (p2) prints no employee benefits line; expenses are shown only as the single line 'Operating expenses' (79,339,987). Checked on the page image.
  26. “Total expenditure” is an issuer-specific line, not mapped to a shared definition: Subtotal of administrative costs, depreciation and amortisation and employee benefits costs.
  27. Not reported in this filing: Not reported under this label in this filing: the filing prints this item as 'Operating expenses' (p2), shown in the row 'Operating expenses as aggregated by the issuer (e.g. 'Overhead costs')'. Checked on the page image.

Balance sheet

Balance sheet, MWK thousands. Columns: FY2025 — published summary of audited statements (final status not established), as reported for the year; FY2024 — annual report (signed / final), as reported for the year; FY2023 — annual report (signed / final), comparative reported in the annual report for 2024.
Line (as printed) FY2025Published summary of audited statements (summary)reported for the yearFY2024Annual reportreported for the yearFY2023Annual reportcomparative in FY2024 filing
Long Term Loan12 83,668,134 44,469,729 24,910,193
Liabilities to customers 1,125,008,424 882,518,141 443,962,688
Liabilities to other banks3 100,587,645 157,297,966 –4
Payables and accruals5 21,385,158 20,310,421 23,682,699
Provisions 8,711,787 14,889,800 6,473,932
Lease liabilities6 4,359,085 Not reported in this filing87 Not reported in this filing8
Income tax payable9 37,710,514 21,669,431 7,511,661
Deferred tax liability 5,012,298 Not reported in this filing1110 Not reported in this filing12
Total liabilities 1,386,443,045 1,143,689,213 507,362,713
Equity 248,792,094 Not reported in this filing1413 Not reported in this filing15
Non-controlling interest 273,711 Not reported in this filing1610 Not reported in this filing17
Total equity 249,065,805 97,406,923 58,701,948
Total liabilities, capital and reserves18 1,635,508,850 1,241,096,136 566,064,661
Cash and funds with Reserve Bank of Malawi 240,449,261 168,904,694 33,751,398
Placements with other banks 134,297,850 303,166,969 109,927,257
Malawi Government Treasury Bills1920 685,797,944 460,298,357 229,093,865
Loans and advances to customers 349,222,621 211,325,375 135,796,264
Other investments21 146,232 146,232 146,232
Assets Held for Sale22 54,830 Not reported in this filing2310 Not reported in this filing24
Other assets2526 137,131,584 54,873,787 22,696,528
Property plant and equipment27 72,885,931 26,435,32628 21,409,071
Goodwill29 6,178,381 Not reported in this filing3010 Not reported in this filing31
Right of use assets32 3,889,997 2,133,571 1,331,058
Current tax assets 13,588 Not reported in this filing3310 Not reported in this filing34
Deferred tax asset 5,440,631 5,134,120 4,971,948
Total assets35 1,635,508,850 1,241,096,136 566,064,661
Investment in subsidiary36 Not reported in this filing37 –38 –38
Intangible assets Not reported in this filing39 8,677,705 6,941,040
Lease Liability40 Not reported in this filing41 2,533,725 821,540
Share capital Not reported in this filing42 6,901,031 6,901,031
Share premium Not reported in this filing43 4,910,065 4,910,065
Capital reserve44 Not reported in this filing45 2,716,230 2,716,230
Loan loss reserve46 Not reported in this filing47 14,861,740 2,790,590
Revaluation reserves Not reported in this filing48 1,716,850 1,948,628
Retained earnings Not reported in this filing49 66,301,007 39,435,404
  1. Printed “-”, read as nil: subtotal_arithmetic: bs.total_liabilities.
  2. Printed “-”, read as nil: subtotal_arithmetic: bs.total_assets.
Notes and alternative reported figures (47)
  1. “Long Term Loan”: mapping to a shared definition is uncertain. Printed 'Term Loans' (note 16).
  2. Printed under different labels across filings: “Long Term Loan”; “Term Loans”.
  3. Printed under different labels across filings: “Liabilities to financial institutions”; “Liabilities to other banks”.
  4. “Payables and accruals”: mapping to a shared definition is uncertain. Printed 'Payables and accruals' in a bank balance sheet without a current split.
  5. “Lease liabilities” is an issuer-specific line, not mapped to a shared definition: Lease liabilities, not split into current and non-current.
  6. Published summary of audited statements dated 2026-03-31 presents this line for this year: 2,533,725 (p2). Not shown in this column, which follows one filing's presentation.
  7. Not reported in this filing: Not reported under this label in this filing: the filing prints this item as 'Lease Liability' (p40), shown in the row 'Lease Liability'. Text layer.
  8. Printed under different labels across filings: “Income tax liability”; “Income tax payable”.
  9. Published summary of audited statements dated 2026-03-31 presents this line for this year: - (p2). Not shown in this column, which follows one filing's presentation.
  10. Not reported in this filing: Not printed: the consolidated statement of financial position (p40) has no deferred tax liability line for 2024; its printed lines are cash, treasury bills, placements, loans, investment in subsidiary, other investments, other receivables, PPE, intangibles, right-of-use asset, deferred tax asset, and liabilities term loans to income tax liability. Text layer.
  11. Not reported in this filing: Not printed: the consolidated statement of financial position (p40) has no deferred tax liability line for 2023; its printed lines are cash, treasury bills, placements, loans, investment in subsidiary, other investments, other receivables, PPE, intangibles, right-of-use asset, deferred tax asset, and liabilities term loans to income tax liability. Text layer.
  12. Published summary of audited statements dated 2026-03-31 presents this line for this year: 97,406,923 (p2). Not shown in this column, which follows one filing's presentation.
  13. Not reported in this filing: Not printed: the statement of financial position (p40) prints equity as its components and 'Total equity' only; there is no equity-attributable-to-owners subtotal and no non-controlling interest for 2024. Text layer.
  14. Not reported in this filing: Not printed: the statement of financial position (p40) prints equity as its components and 'Total equity' only; there is no equity-attributable-to-owners subtotal and no non-controlling interest for 2023. Text layer.
  15. Not reported in this filing: Not printed: the consolidated statement of financial position (p40) has no non-controlling interest line for 2024; its printed lines are cash, treasury bills, placements, loans, investment in subsidiary, other investments, other receivables, PPE, intangibles, right-of-use asset, deferred tax asset, and liabilities term loans to income tax liability. Text layer.
  16. Not reported in this filing: Not printed: the consolidated statement of financial position (p40) has no non-controlling interest line for 2023; its printed lines are cash, treasury bills, placements, loans, investment in subsidiary, other investments, other receivables, PPE, intangibles, right-of-use asset, deferred tax asset, and liabilities term loans to income tax liability. Text layer.
  17. Printed under different labels across filings: “Total Equity and Liabilities”; “Total liabilities, capital and reserves”.
  18. “Malawi Government Treasury Bills”: mapping to a shared definition is uncertain. Government treasury bills; measurement category not stated in the summary.
  19. Printed under different labels across filings: “Malawi Government Treasury Bills”; “Malawi Government Treasury bills, promissory notes and Reserve Bank of Malawi bonds”.
  20. “Other investments” is an issuer-specific line, not mapped to a shared definition: Note 12.b.
  21. “Assets Held for Sale” is an issuer-specific line, not mapped to a shared definition: Assets held for sale.
  22. Not reported in this filing: Not printed: the consolidated statement of financial position (p40) has no assets held for sale line for 2024; its printed lines are cash, treasury bills, placements, loans, investment in subsidiary, other investments, other receivables, PPE, intangibles, right-of-use asset, deferred tax asset, and liabilities term loans to income tax liability. Text layer.
  23. Not reported in this filing: Not printed: the consolidated statement of financial position (p40) has no assets held for sale line for 2023; its printed lines are cash, treasury bills, placements, loans, investment in subsidiary, other investments, other receivables, PPE, intangibles, right-of-use asset, deferred tax asset, and liabilities term loans to income tax liability. Text layer.
  24. “Other assets”: mapping to a shared definition is uncertain. Printed 'Other receivables and prepayments' (note 11).
  25. Printed under different labels across filings: “Other assets”; “Other receivables and prepayments”.
  26. Printed under different labels across filings: “Property plant and equipment”; “Property, plant and equipment”.
  27. Published summary of audited statements dated 2026-03-31 prints 35,113,031 (thousands, p2) for this line and year.
  28. “Goodwill” is an issuer-specific line, not mapped to a shared definition: Goodwill (acquisition of Ecobank Mozambique SA, 2025).
  29. Not reported in this filing: Not printed: the consolidated statement of financial position (p40) has no goodwill line for 2024; its printed lines are cash, treasury bills, placements, loans, investment in subsidiary, other investments, other receivables, PPE, intangibles, right-of-use asset, deferred tax asset, and liabilities term loans to income tax liability. Text layer.
  30. Not reported in this filing: Not printed: the consolidated statement of financial position (p40) has no goodwill line for 2023; its printed lines are cash, treasury bills, placements, loans, investment in subsidiary, other investments, other receivables, PPE, intangibles, right-of-use asset, deferred tax asset, and liabilities term loans to income tax liability. Text layer.
  31. Printed under different labels across filings: “Right of Use Asset”; “Right of use assets”.
  32. Not reported in this filing: Not printed: the consolidated statement of financial position (p40) has no current tax asset line for 2024; its printed lines are cash, treasury bills, placements, loans, investment in subsidiary, other investments, other receivables, PPE, intangibles, right-of-use asset, deferred tax asset, and liabilities term loans to income tax liability. Text layer.
  33. Not reported in this filing: Not printed: the consolidated statement of financial position (p40) has no current tax asset line for 2023; its printed lines are cash, treasury bills, placements, loans, investment in subsidiary, other investments, other receivables, PPE, intangibles, right-of-use asset, deferred tax asset, and liabilities term loans to income tax liability. Text layer.
  34. Printed under different labels across filings: “Total Assets”; “Total assets”.
  35. “Investment in subsidiary” is an issuer-specific line, not mapped to a shared definition: Note 12.a: dashes in the Group columns.
  36. Not reported in this filing: Not printed: the Group columns of the summary statement of financial position (p2) have no investment-in-subsidiary line; the assets printed are cash, placements, treasury bills, loans, other investments, assets held for sale, other assets, PPE, goodwill, right-of-use assets, current tax assets and deferred tax asset. Checked on the page image.
  37. Not reported in this filing: Not printed: the summary statement of financial position (p2) has no intangible assets line (assets printed: cash, placements, treasury bills, loans, other investments, assets held for sale, other assets, 'Property plant and equipment', goodwill, right-of-use assets, current tax assets, deferred tax asset). Checked on the page image.
  38. “Lease Liability” is an issuer-specific line, not mapped to a shared definition: Note 3.21: one line (not split into current and non-current).
  39. Not reported in this filing: Not reported under this label in this filing: the filing prints this item as 'Lease liabilities' (p2), shown in the row 'Lease liabilities'. Checked on the page image.
  40. Not reported in this filing: Not reported separately: the summary statement of financial position (p2) prints no share capital line; equity is shown only as 'Equity' (248,792,094), 'Non-controlling interest' and 'Total equity'. Checked on the page image.
  41. Not reported in this filing: Not reported separately: the summary statement of financial position (p2) prints no share premium line; equity is shown only as 'Equity' (248,792,094), 'Non-controlling interest' and 'Total equity'. Checked on the page image.
  42. “Capital reserve” is an issuer-specific line, not mapped to a shared definition: Equity reserve.
  43. Not reported in this filing: Not reported separately: the summary statement of financial position (p2) prints no capital reserve line; equity is shown only as 'Equity' (248,792,094), 'Non-controlling interest' and 'Total equity'. Checked on the page image.
  44. “Loan loss reserve”: mapping to a shared definition is uncertain. Printed 'Loan loss reserve' (regulatory provisions in excess of IFRS 9 allowances).
  45. Not reported in this filing: Not reported separately: the summary statement of financial position (p2) prints no loan loss reserve line; equity is shown only as 'Equity' (248,792,094), 'Non-controlling interest' and 'Total equity'. Checked on the page image.
  46. Not reported in this filing: Not reported separately: the summary statement of financial position (p2) prints no revaluation reserve line; equity is shown only as 'Equity' (248,792,094), 'Non-controlling interest' and 'Total equity'. Checked on the page image.
  47. Not reported in this filing: Not reported separately: the summary statement of financial position (p2) prints no retained earnings line; equity is shown only as 'Equity' (248,792,094), 'Non-controlling interest' and 'Total equity'. Checked on the page image.

Cash flow

Cash flow, MWK thousands. Columns: FY2025 — published summary of audited statements (final status not established), as reported for the year; FY2024 — annual report (signed / final), as reported for the year; FY2023 — annual report (signed / final), comparative reported in the annual report for 2024.
Line (as printed) FY2025Published summary of audited statements (summary)reported for the yearFY2024Annual reportreported for the yearFY2023Annual reportcomparative in FY2024 filing
Cash generated from operations before taxation1 47,795,018 556,631,3472 136,847,114
Income tax paid3 (83,914,597) (36,270,912) (19,326,393)
Cash flows generated from operating activities4 (36,119,579) 520,119,723 117,234,832
Net cash used in investing activities (81,611,897) (173,427,359) (26,177,195)
Net cash generated from/ (used in) in financing activities5 20,400,622 (19,253,236) (34,083,599)
Net increase/ (decrease) in cash and cash equivalents6 (97,324,552) 327,439,1287 56,974,038
Cash and cash equivalents at the beginning of the period8 472,071,663 143,678,655 86,604,628
Cash and cash equivalents at the end of the period9 374,747,111 472,071,663 143,678,655
Profit before tax10 Not reported in this filing11 121,906,734 55,456,121
Depreciation of property, plant and equipment12 Not reported in this filing13 2,870,985 2,365,655
Amortisation of intangible assets14 Not reported in this filing15 549,918 569,180
Impairment losses on loans and advances16 Not reported in this filing17 8,198,439 1,881,184
Impairment losses on government securities18 Not reported in this filing19 33,414 9,378
Depreciation of right-of-use assets20 Not reported in this filing21 919,678 574,797
Employee profit share provision22 Not reported in this filing23 9,493,878 3,585,035
(Profit)/Loss / on disposal of equipment24 Not reported in this filing25 (123,269) 12,912
Interest charged government securities26 Not reported in this filing27 (65,702,847) (40,483,193)
Interest payable on shareholder's loan28 Not reported in this filing29 –30 12,332
Interest payable on long term loan31 Not reported in this filing32 2,103,281 2,168,937
Unrealised exchange loss on foreign loan33 Not reported in this filing34 642,100 12,596,332
Interest on lease liabilities35 Not reported in this filing36 240,712 348,774
Operating cash flows before movements in working capital37 Not reported in this filing38 81,133,023 39,097,444
Movement in other receivables and prepayments39 Not reported in this filing40 (32,177,259) 18,827,360
Movement in loans and advances41 Not reported in this filing42 (83,727,550) (27,611,865)
Movement in payables and accruals43 Not reported in this filing44 (4,450,286) 7,076,400
Movement in liabilities to customers45 Not reported in this filing46 438,555,453 115,850,725
Movement in liabilities to financial institutions47 Not reported in this filing48 157,297,966 (16,392,950)
Interest paid on shareholders loan49 Not reported in this filing50 –51 (12,332)
Lease liabilities interest paid Not reported in this filing52 (240,712) (273,557)
Proceeds from disposal of equipment Not reported in this filing53 1,240,752 110,612
Purchase of government securities54 Not reported in this filing55 (243,071,642) (48,977,600)
Proceeds from maturities of government securities56 Not reported in this filing57 77,536,583 34,179,540
Purchase of intangible assets Not reported in this filing58 (2,286,583) (4,836,577)
Purchase of property, plant and equipment Not reported in this filing59 (6,846,469) (6,653,170)
Dividend paid Not reported in this filing60 (35,126,249) (19,596,000)
Repayment of principal portion of lease liabilities Not reported in this filing61 (941,142) (1,143,990)
Interest paid on long term loan Not reported in this filing62 (1,998,149) (2,245,164)
Repayment of shareholder's principal loan63 Not reported in this filing64 –65 (442,816)
Proceeds from long term loan Not reported in this filing66 65,216,832 15,636,937
Repayment of long-term loan Not reported in this filing67 (46,404,528) (26,292,566)
Effect on Foreign Exchange rates – Placements Not reported in this filing68 953,880 99,989
  1. Printed “-”, read as nil: subtotal_arithmetic: cf.native.co_9xb6cfht92tg.cf_operating_before_working_capital.
  2. Printed “-”, read as nil: subtotal_arithmetic: cf.cash_from_operations.
  3. Printed “-”, read as nil: subtotal_arithmetic: cf.cash_from_financing.
Notes and alternative reported figures (65)
  1. Printed under different labels across filings: “Cash from operating activities”; “Cash generated from operations before taxation”.
  2. Published summary of audited statements dated 2026-03-31 prints 556,390,635 (thousands, p2) for this line and year.
  3. Printed under different labels across filings: “Income tax paid”; “Taxation paid”.
  4. Printed under different labels across filings: “Cash flows generated from operating activities”; “Net cash from operating activities”.
  5. Printed under different labels across filings: “Net cash from financing activities”; “Net cash generated from/ (used in) in financing activities”.
  6. Printed under different labels across filings: “Net increase in cash and cash equivalents”; “Net increase/ (decrease) in cash and cash equivalents”.
  7. Published summary of audited statements dated 2026-03-31 prints 328,393,008 (thousands, p2) for this line and year.
  8. Printed under different labels across filings: “Cash and cash equivalents at beginning of the period”; “Cash and cash equivalents at the beginning of the period”.
  9. Printed under different labels across filings: “Cash and cash equivalents at end of the period”; “Cash and cash equivalents at the end of the period”.
  10. “Profit before tax” is an issuer-specific line, not mapped to a shared definition: Opening line of the operating section.
  11. Not reported in this filing: Not printed: the summary statement of cash flows (p2) shows operating activities only as 'Cash generated from operations before taxation', 'Income tax paid' and 'Cash flows generated from operating activities'; it prints no profit before tax line. Text layer.
  12. “Depreciation of property, plant and equipment” is an issuer-specific line, not mapped to a shared definition: Adjustment, note 13.
  13. Not reported in this filing: Not printed: the summary statement of cash flows (p2) shows operating activities only as 'Cash generated from operations before taxation', 'Income tax paid' and 'Cash flows generated from operating activities'; it prints no depreciation line. Text layer.
  14. “Amortisation of intangible assets” is an issuer-specific line, not mapped to a shared definition: Adjustment, note 14.
  15. Not reported in this filing: Not printed: the summary statement of cash flows (p2) shows operating activities only as 'Cash generated from operations before taxation', 'Income tax paid' and 'Cash flows generated from operating activities'; it prints no amortisation line. Text layer.
  16. “Impairment losses on loans and advances” is an issuer-specific line, not mapped to a shared definition: Adjustment, note 8.
  17. Not reported in this filing: Not printed: the summary statement of cash flows (p2) shows operating activities only as 'Cash generated from operations before taxation', 'Income tax paid' and 'Cash flows generated from operating activities'; it prints no impairment on loans line. Text layer.
  18. “Impairment losses on government securities” is an issuer-specific line, not mapped to a shared definition: Adjustment, note 6.
  19. Not reported in this filing: Not printed: the summary statement of cash flows (p2) shows operating activities only as 'Cash generated from operations before taxation', 'Income tax paid' and 'Cash flows generated from operating activities'; it prints no impairment on government securities line. Text layer.
  20. “Depreciation of right-of-use assets” is an issuer-specific line, not mapped to a shared definition: Adjustment, note 3.21.
  21. Not reported in this filing: Not printed: the summary statement of cash flows (p2) shows operating activities only as 'Cash generated from operations before taxation', 'Income tax paid' and 'Cash flows generated from operating activities'; it prints no right-of-use depreciation line. Text layer.
  22. “Employee profit share provision” is an issuer-specific line, not mapped to a shared definition: Adjustment, note 10.
  23. Not reported in this filing: Not printed: the summary statement of cash flows (p2) shows operating activities only as 'Cash generated from operations before taxation', 'Income tax paid' and 'Cash flows generated from operating activities'; it prints no employee profit share provision line. Text layer.
  24. “(Profit)/Loss / on disposal of equipment” is an issuer-specific line, not mapped to a shared definition: Adjustment, note 24.
  25. Not reported in this filing: Not printed: the summary statement of cash flows (p2) shows operating activities only as 'Cash generated from operations before taxation', 'Income tax paid' and 'Cash flows generated from operating activities'; it prints no disposal of equipment line. Text layer.
  26. “Interest charged government securities” is an issuer-specific line, not mapped to a shared definition: Adjustment, note 6.
  27. Not reported in this filing: Not printed: the summary statement of cash flows (p2) shows operating activities only as 'Cash generated from operations before taxation', 'Income tax paid' and 'Cash flows generated from operating activities'; it prints no interest on government securities line. Text layer.
  28. “Interest payable on shareholder's loan” is an issuer-specific line, not mapped to a shared definition: Adjustment, note 15.
  29. Not reported in this filing: Not printed: the summary statement of cash flows (p2) shows operating activities only as 'Cash generated from operations before taxation', 'Income tax paid' and 'Cash flows generated from operating activities'; it prints no shareholder loan interest line. Text layer.
  30. “Interest payable on long term loan” is an issuer-specific line, not mapped to a shared definition: Adjustment, note 16.
  31. Not reported in this filing: Not printed: the summary statement of cash flows (p2) shows operating activities only as 'Cash generated from operations before taxation', 'Income tax paid' and 'Cash flows generated from operating activities'; it prints no long-term loan interest line. Text layer.
  32. “Unrealised exchange loss on foreign loan” is an issuer-specific line, not mapped to a shared definition: Adjustment, note 16.
  33. Not reported in this filing: Not printed: the summary statement of cash flows (p2) shows operating activities only as 'Cash generated from operations before taxation', 'Income tax paid' and 'Cash flows generated from operating activities'; it prints no unrealised exchange line. Text layer.
  34. “Interest on lease liabilities” is an issuer-specific line, not mapped to a shared definition: Adjustment, note 3.21.
  35. Not reported in this filing: Not printed: the summary statement of cash flows (p2) shows operating activities only as 'Cash generated from operations before taxation', 'Income tax paid' and 'Cash flows generated from operating activities'; it prints no lease interest line. Text layer.
  36. “Operating cash flows before movements in working capital” is an issuer-specific line, not mapped to a shared definition: Subtotal.
  37. Not reported in this filing: Not printed: the summary statement of cash flows (p2) shows operating activities only as 'Cash generated from operations before taxation', 'Income tax paid' and 'Cash flows generated from operating activities'; it prints no operating cash flows before working-capital movements line. Text layer.
  38. “Movement in other receivables and prepayments” is an issuer-specific line, not mapped to a shared definition: Working capital change, note 11.
  39. Not reported in this filing: Not printed: the summary statement of cash flows (p2) shows operating activities only as 'Cash generated from operations before taxation', 'Income tax paid' and 'Cash flows generated from operating activities'; it prints no other receivables movement line. Text layer.
  40. “Movement in loans and advances” is an issuer-specific line, not mapped to a shared definition: Working capital change, note 8.
  41. Not reported in this filing: Not printed: the summary statement of cash flows (p2) shows operating activities only as 'Cash generated from operations before taxation', 'Income tax paid' and 'Cash flows generated from operating activities'; it prints no loans and advances movement line. Text layer.
  42. “Movement in payables and accruals” is an issuer-specific line, not mapped to a shared definition: Working capital change, note 19.
  43. Not reported in this filing: Not printed: the summary statement of cash flows (p2) shows operating activities only as 'Cash generated from operations before taxation', 'Income tax paid' and 'Cash flows generated from operating activities'; it prints no payables movement line. Text layer.
  44. “Movement in liabilities to customers” is an issuer-specific line, not mapped to a shared definition: Working capital change.
  45. Not reported in this filing: Not printed: the summary statement of cash flows (p2) shows operating activities only as 'Cash generated from operations before taxation', 'Income tax paid' and 'Cash flows generated from operating activities'; it prints no customer liabilities movement line. Text layer.
  46. “Movement in liabilities to financial institutions” is an issuer-specific line, not mapped to a shared definition: Working capital change.
  47. Not reported in this filing: Not printed: the summary statement of cash flows (p2) shows operating activities only as 'Cash generated from operations before taxation', 'Income tax paid' and 'Cash flows generated from operating activities'; it prints no financial institutions movement line. Text layer.
  48. “Interest paid on shareholders loan” is an issuer-specific line, not mapped to a shared definition: Operating activities, note 15.
  49. Not reported in this filing: Not printed: the summary statement of cash flows (p2) shows operating activities only as 'Cash generated from operations before taxation', 'Income tax paid' and 'Cash flows generated from operating activities'; it prints no shareholder loan interest paid line. Text layer.
  50. Not reported in this filing: Not printed: the summary statement of cash flows (p2) shows operating activities only as 'Cash generated from operations before taxation', 'Income tax paid' and 'Cash flows generated from operating activities'; it prints no lease interest paid line. Text layer.
  51. Not reported in this filing: Not printed: the summary statement of cash flows (p2) shows investing activities only as the single line 'Net cash used in investing activities'; it prints no disposal proceeds line. Text layer.
  52. “Purchase of government securities” is an issuer-specific line, not mapped to a shared definition: Investing activities, note 6.
  53. Not reported in this filing: Not printed: the summary statement of cash flows (p2) shows investing activities only as the single line 'Net cash used in investing activities'; it prints no purchase of government securities line. Text layer.
  54. “Proceeds from maturities of government securities” is an issuer-specific line, not mapped to a shared definition: Investing activities, note 6.
  55. Not reported in this filing: Not printed: the summary statement of cash flows (p2) shows investing activities only as the single line 'Net cash used in investing activities'; it prints no maturities of government securities line. Text layer.
  56. Not reported in this filing: Not printed: the summary statement of cash flows (p2) shows investing activities only as the single line 'Net cash used in investing activities'; it prints no intangible purchases line. Text layer.
  57. Not reported in this filing: Not printed: the summary statement of cash flows (p2) shows investing activities only as the single line 'Net cash used in investing activities'; it prints no PPE purchases line. Text layer.
  58. Not reported in this filing: Not printed: the summary statement of cash flows (p2) shows financing activities only as the single line 'Net cash generated from/ (used in) in financing activities'; it prints no dividends paid line. Text layer. (The summary statement of changes in equity on the same page prints 'Dividends paid (11,593,733)' as an equity movement; it is not a cash-flow line and is not recorded here.)
  59. Not reported in this filing: Not printed: the summary statement of cash flows (p2) shows financing activities only as the single line 'Net cash generated from/ (used in) in financing activities'; it prints no lease principal line. Text layer.
  60. Not reported in this filing: Not printed: the summary statement of cash flows (p2) shows financing activities only as the single line 'Net cash generated from/ (used in) in financing activities'; it prints no loan interest paid line. Text layer.
  61. “Repayment of shareholder's principal loan” is an issuer-specific line, not mapped to a shared definition: Financing activities, note 15.
  62. Not reported in this filing: Not printed: the summary statement of cash flows (p2) shows financing activities only as the single line 'Net cash generated from/ (used in) in financing activities'; it prints no shareholder loan repayment line. Text layer.
  63. Not reported in this filing: Not printed: the summary statement of cash flows (p2) shows financing activities only as the single line 'Net cash generated from/ (used in) in financing activities'; it prints no loan proceeds line. Text layer.
  64. Not reported in this filing: Not printed: the summary statement of cash flows (p2) shows financing activities only as the single line 'Net cash generated from/ (used in) in financing activities'; it prints no loan repayment line. Text layer.
  65. Not reported in this filing: Not printed: the summary statement of cash flows (p2) has no exchange-rate effect line; it goes from 'Net increase/ (decrease) in cash and cash equivalents' and 'Cash and cash equivalents at the beginning of the period' straight to the end-of-period line. Text layer.

Per share and shares

Per share and shares. Columns: FY2025 — published summary of audited statements (final status not established), as reported for the year; FY2024 — annual report (signed / final), as reported for the year; FY2023 — annual report (signed / final), comparative reported in the annual report for 2024.
Line (as printed) FY2025Published summary of audited statements (summary)reported for the yearFY2024Annual reportreported for the yearFY2023Annual reportcomparative in FY2024 filing
Earnings / (loss) per share (per share)5 Not reported in this filing1 10.7323 5.174
Profit / (loss) attributable to shareholders (MWK thousands)8 147,798,137 74,063,002 †6 Not reported in this filing7
† Note 6. Source status: this figure comes from published summary of audited statements “Summary Consolidated and Separate Financial Results for the year ended 31st December 2025” (p2), whose final status is not established (the published copy is unsigned). The column's main source does not print this line.
  1. Printed “1 073”; read as 1,073. p41: Printed '1 073' with a space as thousands separator (page image: 1 073), the only space-grouped figure in comma-grouped statements; read as one amount with the same digits.
  2. Printed as 1 073 tambala; value converted to MWK at 100 tambala = 1 MWK.
  3. Printed as 517 tambala; value converted to MWK at 100 tambala = 1 MWK.
Notes and alternative reported figures (4)
  1. Not reported in this filing: Not printed in the summary publication. No earnings per share line (p2).
  2. Earnings / (loss) per share: printed as “Basic and diluted earnings per share (tambala)”.
  3. Not reported in this filing: Not printed: the statement of profit or loss (p41) ends at 'Profit for the year' (35,646,929 for 2023) with no 'attributable to' analysis. Text layer.
  4. 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 2024 Dividends paid (cash flow statement) Dividend paid (35,126,249) MWK thousands Annual report, p45
31 Dec 2023 Dividends paid (cash flow statement) Dividend paid (19,596,000) MWK thousands Annual report, p45

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.

  • Summary Consolidated and Separate Financial Results for the year ended 31st December 2025

    Year ended 31 December 2025 · Published summary of audited statements (summary) · final status not established

    Audit: Ernst & Young (Malawi) (EY logo; Chartered Accountants (Malawi)), unmodified opinion

    Auditor's sign-off: Chartered Accountants (Malawi); Chiwemi Chihana, Registered Practicing Accountant (EY logo; typeset, unsigned)

    Final status: A report of the independent auditor on the summary consolidated and separate financial statements (ISA 810 (Revised)) is printed, closed by the EY logo and 'Chartered Accountants (Malawi), Chiwemi Chihana, Registered Practicing Accountant, 31st March 2026', typeset with no visible signature (page image p2). The directors' commentary is issued 'By order of the Board' with the typeset names of the Board Chairperson, Managing Director, Chairperson of the Finance and Audit Committee and Head of Finance, dated 30th March 2026, no signatures (page image p1). The underlying statements were approved by the Board on 24 February 2026 (p1).

    Document date
    31 Mar 2026
    Auditor's report
    31 Mar 2026
    Board approval
    24 Feb 2026
    Retrieved by us
    8 Oct 2026 (not a publication date)
    Used for
    statement columns FY2025
    Basis
    consolidated statements · MWK thousands (printed “K'000”)
    • Statement of cash flows, Group: operating (36,119,579), investing (81,611,897) and financing 20,400,622 sum to (97,330,854) against the printed net decrease (97,324,552) (difference 6,302, not explained); 2024: 520,119,723, (173,427,359) and (19,253,236) sum to 327,439,128 against the printed 328,393,008 (difference 953,880). The Bank 2024 column agrees (net investing (172,880,223)). Kept as printed; the page image confirms the figures (p2).
    • Statement of changes in equity prints Group total comprehensive income 163,252,615 for 2025 against 153,086,385 in the statement of profit or loss and OCI (p2); profit after tax 147,795,661 is printed against profit before tax 247,444,832 less taxation 99,649,169 (147,795,663); OCI items 8,097,539, (2,813,117) and 6,301 against the total 5,290,724. Kept as printed.
    • The group 2024 'Net cash used in investing activities' is printed '173,427,359)' without an opening bracket (p2, page image); read as (173,427,359) ('interpreted').
    • 'REPORT OF THE INDEPENDENT AUDITOR ON THE SUMMARY CONSOLIDATED AND SEPARATE FINANCIAL STATEMENTS ... In our opinion, the accompanying summary consolidated and separate financial statements are consistent, in all material respects, with the audited consolidated and separate financial statements' and 'We expressed an unmodified audit opinion on the audited consolidated and separate financial statements in our report dated 30 March 2026.' EY logo; Chartered Accountants (Malawi), Chiwemi Chihana, 31st March 2026; typeset, unsigned (p2).
    • Summary consolidated and separate statements of profit or loss and OCI (condensed: interest, non-interest income, operating expenses, impairment, tax), financial position (line items, no current split), changes in equity (three lines) and cash flows (operating before tax, tax, and one total each for investing and financing) (p2), plus supplementary notes on impairment by sector, credit concentration, related-party loans, lending rates and directors' remuneration. No earnings per share is printed.
    Technical details
    File
    2 pages, with a text layer
    SHA-256
    be9bbaf27c0381c46acf74a4b954b8aff4c32d06e56de5754b8c78facca2454c
    Entity as printed
    FDH Bank Plc
    Exchange copy
    retrieved 2026-10-08T18:05:07Z

  • FDH Bank Plc Annual Report 2024

    Year ended 31 December 2024 · Annual report · signed / final

    Audit: Ernst & Young (Malawi), unmodified opinion · signed

    Auditor's sign-off: Chartered Accountants (Malawi) (handwritten 'Ernst & Young'); Chiwemi Chihana, Registered Practicing Accountant

    Final status: Independent auditor's report to the shareholders of FDH Bank Plc (PDF pp35-38; ey.com letterhead on p35), unmodified opinion on the consolidated and separate financial statements; closed by a handwritten 'Ernst & Young' signature over 'Chartered Accountants (Malawi), Chiwemi Chihana, Registered Practicing Accountant, 27 March 2025' (PDF p38, page image). The statements were approved and authorised for issue by the Board on 24 February 2025 and signed by the Board Chairperson, Mrs. Charity Mseka, and the Managing Director, Mr. Noel Mkulichi, with handwritten signatures (PDF p40, page image).

    Document date
    27 Mar 2025
    Published
    5 May 2025
    Auditor's report
    27 Mar 2025
    Board approval
    24 Feb 2025
    Retrieved by us
    8 Oct 2026 (not a publication date)
    Used for
    statement columns FY2024, FY2023
    Basis
    consolidated statements · MWK thousands (printed “K'000”)
    • Statement of cash flows, Group 2023: 'Profit before tax' printed 55,456,121; the statement of profit or loss prints 55,456,122. Kept as printed.
    • Cash and cash equivalents at end of the period (472,071,663; 2023: 143,678,655) are printed beneath the statement of cash flows as cash and balances with the Reserve Bank of Malawi plus placements with other banks maturing within 3 months (PDF p45).
    • No current/non-current split is printed on the statement of financial position (bank liquidity-order presentation); no non-current, current or equity-attributable subtotals are printed.
    • Annual Report 2024: introduction, leadership and directors' reports (PDF pp1-33), auditor's report (pp35-38), audited consolidated and separate financial statements (pp40-131) and an ESG report.
    Technical details
    File
    147 pages, with a text layer
    SHA-256
    0f2a3eb2f96f1b3f806e639298a75f1526e462101a48ab5c2fffba8276fab844
    Entity as printed
    FDH Bank plc (the Group) and its subsidiary
    Exchange copy
    retrieved 2026-10-08T18:06:26Z

Data notes

  • Basic and diluted earnings per share (tambala) — Printed '1 073'; read as '1,073'. Printed '1 073' with a space as thousands separator (page image: 1 073), the only space-grouped figure in comma-grouped statements; read as one amount with the same digits. (FDH Bank Plc Annual Report 2024, p41)
  • Basic and diluted earnings per share (tambala) — OCR read '1 073'; the page image shows '1 073'. Space-grouped per-share amount, read as one amount with the same digits (page image: 1 073). (FDH Bank Plc Annual Report 2024, p41)
  • Net cash used in investing activities — Printed '173,427,359)'; read as '(173,427,359)'. Printed '173,427,359)' with a closing bracket but no opening bracket (page image p2); read as the negative amount the closing bracket and the row label ('Net cash used') indicate. (Summary Consolidated and Separate Financial Results for the year ended 31st December 2025, p2)

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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Figures shown on this page (CSV) — the same selected figures at their exact printed values, each with its source document, SHA-256, page, selection rule and reading. Independent review of these figures is pending.

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