Review pending. Every figure has been located on its cited source page in an AI-assisted source verification (matched to the document's text; matched to OCR text of the page image; matched to OCR text and compared cell by cell with the page image) (9 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
Mkombozi Commercial Bank
On this page
Company details
- Legal name
- Mkombozi Commercial Bank Plc
- Incorporated in
- Tanzania
- Listing
- MKCB 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 27.3 billion
27,319,868 TZS thousands · p37
+21.9% vs 2024
Interest income less interest expense, as printed.
-
Profit / (loss) for the year
TZS 11.5 billion
11,450,817 TZS thousands · p37
+26.6% vs 2024
-
Total assets
TZS 318 billion
318,231,608 TZS thousands · p38
+12.7% vs 2024
-
Customer deposits
TZS 243 billion
242,862,512 TZS thousands · p38
+11.7% vs 2024
-
Total equity
TZS 49.3 billion
49,349,397 TZS thousands · p38
+23.1% vs 2024
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 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 — annual report, signed / final; reported for the year · source
- FY2024 — annual report, signed / final; comparative in the FY2025 filing · source
Income statement
| Line (as printed) | FY2025Annual reportreported for the year | FY2024Annual reportcomparative in FY2025 filing |
|---|---|---|
| Interest income calculated using the effective interest method | 35,976,572 | 30,108,219 |
| Interest expense calculated using the effective interest method | (8,656,704) | (7,702,557) |
| Net interest income | 27,319,868 | 22,405,662 |
| Expected credit losses | (1,518,154) | (1,651,387) |
| Net interest income after expected credit losses1 | 25,801,714 | 20,754,275 |
| Fees and commission income | 6,807,174 | 4,252,461 |
| Other income2 | 1,439,041 | 1,405,242 |
| Net gains on derecognition of financial assets measured FVOCI3 | 235,134 | 159,086 |
| Net foreign currency trading and translation gains | 2,505,688 | 2,645,395 |
| Total non-interest income | 10,987,037 | 8,462,184 |
| Net operating income4 | 36,788,751 | 29,216,459 |
| Personnel expenses | (9,975,500) | (9,256,991) |
| Depreciation and amortization5 | (2,652,564) | (2,182,975) |
| Other operating expenses | (7,158,696) | (6,283,193) |
| Total operating expenses | (19,786,759) | (17,723,159) |
| Profit before income tax | 17,001,992 | 11,493,300 |
| Income tax charge | (5,551,175) | (2,451,883) |
| Profit for the year | 11,450,817 | 9,041,417 |
| FVOCI investment securities; -Fair value (loss)/gain arising during the year (Note 23a)6 | 20,558 | (273,857) |
| -Tax Thereon7 | (6,167) | 82,157 |
| Other comprehensive income, net of tax | 14,391 | (191,700) |
| Total comprehensive income for the year, net of tax | 11,465,207 | 8,849,717 |
Notes and alternative reported figures (7)
- “Net interest income after expected credit losses” is an issuer-specific line, not mapped to a shared definition: Net interest income less expected credit losses.
- “Other income” is an issuer-specific line, not mapped to a shared definition: Note 12; non-interest income printed apart from fees and trading gains.
- “Net gains on derecognition of financial assets measured FVOCI” is an issuer-specific line, not mapped to a shared definition: Note 23(b); non-interest income.
- “Net operating income” is an issuer-specific line, not mapped to a shared definition: The issuer's net operating income: net interest income after expected credit losses plus total non-interest income.
- “Depreciation and amortization”: mapping to a shared definition is uncertain. One line for depreciation (property, equipment, right-of-use assets) and amortisation of intangibles.
- “FVOCI investment securities; -Fair value (loss)/gain arising during the year (Note 23a)” is an issuer-specific line, not mapped to a shared definition: OCI, items that may be reclassified: fair value change of FVOCI investment securities, before tax (note 23a).
- “-Tax Thereon” is an issuer-specific line, not mapped to a shared definition: OCI: tax on the FVOCI fair value change.
Balance sheet
| Line (as printed) | FY2025Annual reportreported for the year | FY2024Annual reportcomparative in FY2025 filing |
|---|---|---|
| Cash and balances with Bank of Tanzania | 25,802,786 | 23,398,540 |
| Loans and advances to banks | 30,365,679 | 22,730,935 |
| Government securities - FVOCI | 1,960,069 | 10,875,000 |
| Loans and advances to customers | 188,931,898 | 162,565,818 |
| Current income tax recoverable | 612,484 | 76,144 |
| Government securities - amortised cost | 50,926,184 | 41,538,307 |
| Other assets | 6,241,004 | 5,054,408 |
| Equity investments1 | 487,000 | 539,000 |
| Property and equipment | 5,001,623 | 5,637,947 |
| Right-of-use assets | 4,952,327 | 7,046,812 |
| Deferred tax asset | 258,469 | 1,648,305 |
| Intangible assets | 2,692,085 | 1,269,416 |
| TOTAL ASSETS | 318,231,608 | 282,380,632 |
| Deposits due to Banks | 11,856,257 | 9,511,626 |
| Deposits due to customers | 242,862,512 | 217,491,606 |
| Other liabilities | 3,595,254 | 2,185,341 |
| Borrowings | 1,509,221 | 1,508,323 |
| Subordinated loan2 | 3,346,962 | 3,119,721 |
| Provisions | 649,454 | 905,724 |
| Lease liabilities3 | 5,062,551 | 7,570,371 |
| (liabilities subtotal) | 268,882,211 | 242,292,712 |
| Share capital | 23,555,002 | 23,555,002 |
| Share discount4 | (734,932) | (734,932) |
| Retained earnings | 22,547,511 | 14,510,180 |
| Regulatory reserve | 4,598,346 | 3,388,590 |
| Other reserves-FVOCI | (616,530) | (630,920) |
| (equity subtotal) | 49,349,397 | 40,087,920 |
| TOTAL LIABILITIES AND EQUITY | 318,231,608 | 282,380,632 |
Notes and alternative reported figures (4)
- “Equity investments” is an issuer-specific line, not mapped to a shared definition: Note 25: equity investments.
- “Subordinated loan” is an issuer-specific line, not mapped to a shared definition: Note 31(b): subordinated debt.
- “Lease liabilities” is an issuer-specific line, not mapped to a shared definition: Note 34: lease liabilities, current and non-current not split.
- “Share discount” is an issuer-specific line, not mapped to a shared definition: Equity: discount on shares issued (negative).
Cash flow
| Line (as printed) | FY2025Annual reportreported for the year | FY2024Annual reportcomparative in FY2025 filing |
|---|---|---|
| Profit before tax1 | 17,001,992 | 11,493,300 |
| Interest expense on lease liabilities2 | 612,896 | 737,107 |
| ECL on financial assets3 | 1,518,154 | 1,651,387 |
| Depreciation on right-of-use assets4 | 1,013,328 | 1,013,984 |
| Amortization of intangible assets5 | 431,738 | 67,871 |
| Non-trading foreign exchange loss6 | (2,505,688) | (2,645,395) |
| Depreciation on property and equipment7 | 1,207,497 | 1,101,120 |
| Interest expense on bank borrowing8 | 591,801 | 534,059 |
| Gain on derecognition of financial assets9 | (235,134) | (159,086) |
| Increase/(decrease) in provisions10 | (444,847) | (408,489) |
| Interest income11 | (35,976,572) | (30,108,219) |
| Interest expense on customer deposits12 | 6,842,726 | 6,138,295 |
| (subtotal after the adjustments)13 | (10,284,760) | (10,584,066) |
| Change in Statutory minimum reserve14 | (1,000,632) | (435,286) |
| Change in Other assets15 | (1,186,596) | (768,821) |
| Change in Loans and advances to customers16 | (25,649,466) | (28,304,431) |
| Change in Deposits due to customers17 | 25,370,906 | 10,094,796 |
| Change in Deposits due to Banks18 | 2,344,631 | 9,511,626 |
| Payment of gratuities19 | (701,117) | (231,105) |
| Change in Other liabilities20 | 1,409,913 | (91,747) |
| Cash generated from (used in) operations21 | 587,639 | (10,224,968) |
| Interest income | 37,738,347 | 32,736,072 |
| Interest expense22 | (6,548,896) | (5,944,464) |
| Income tax paid | (4,697,679) | (2,890,493) |
| Tax refunds23 | –24 | 220,053 |
| Net cash flows generated from operating activities | 16,794,651 | 3,312,134 |
| Investment in government securities-amortized25 | (9,387,877) | (9,057,792) |
| Investment in securities-FVOCI26 | 8,914,931 | 9,500,253 |
| Purchases of property and equipment | (1,571,425) | (2,070,185) |
| Purchases of intangible assets | (875,685) | (1,056,441) |
| Net cash flows used in investing activities | (2,920,056) | (2,684,165) |
| Lease liabilities repayment principal paid | (1,490,458) | (2,026,755) |
| Lease liabilities repayment interest paid | (166,880) | (212,753) |
| Repayment of borrowings interest | (318,142) | (140,856) |
| Repayment of subordinated debts27 | (63,000) | (126,000) |
| Dividend Payment | (2,203,730) | –28 |
| Net cash flows used in financing activities | (4,242,210) | (2,506,364) |
| Increase/ (decrease) in cash and cash equivalents | 9,632,385 | (1,878,395) |
| Cash and cash equivalents at 1 January | 36,086,752 | 37,962,062 |
| Net foreign exchange difference | (1,777) | 3,085 |
| Cash and cash equivalents at 31 December | 45,717,360 | 36,086,752 |
- Printed “-”, read as nil: subtotal_arithmetic: cf.cash_from_operations.
- Printed “-”, read as nil: subtotal_arithmetic: cf.cash_from_financing.
Notes and alternative reported figures (26)
- “Profit before tax” is an issuer-specific line, not mapped to a shared definition: Starting line of the indirect-method operating cash flows.
- “Interest expense on lease liabilities” is an issuer-specific line, not mapped to a shared definition: Adjustment (note 9).
- “ECL on financial assets” is an issuer-specific line, not mapped to a shared definition: Adjustment (note 10).
- “Depreciation on right-of-use assets” is an issuer-specific line, not mapped to a shared definition: Adjustment (note 15).
- “Amortization of intangible assets” is an issuer-specific line, not mapped to a shared definition: Adjustment (note 15).
- “Non-trading foreign exchange loss” is an issuer-specific line, not mapped to a shared definition: Adjustment (note 34 as printed).
- “Depreciation on property and equipment” is an issuer-specific line, not mapped to a shared definition: Adjustment (note 15).
- “Interest expense on bank borrowing” is an issuer-specific line, not mapped to a shared definition: Adjustment (note 30(a) as printed).
- “Gain on derecognition of financial assets” is an issuer-specific line, not mapped to a shared definition: Adjustment (note 23(b)).
- “Increase/(decrease) in provisions” is an issuer-specific line, not mapped to a shared definition: Adjustment (note 33).
- “Interest income” is an issuer-specific line, not mapped to a shared definition: Adjustment: interest income deducted (note 8).
- “Interest expense on customer deposits” is an issuer-specific line, not mapped to a shared definition: Adjustment (note 9).
- “(subtotal after the adjustments)” is an issuer-specific line, not mapped to a shared definition: Unlabelled subtotal printed after the adjustments; it is presented as its own component of net operating cash flows (the printed 'Cash generated from (used in) operations' sums only the changes in operating assets and liabilities).
- “Change in Statutory minimum reserve” is an issuer-specific line, not mapped to a shared definition: Operating.
- “Change in Other assets” is an issuer-specific line, not mapped to a shared definition: Operating.
- “Change in Loans and advances to customers” is an issuer-specific line, not mapped to a shared definition: Operating.
- “Change in Deposits due to customers” is an issuer-specific line, not mapped to a shared definition: Operating.
- “Change in Deposits due to Banks” is an issuer-specific line, not mapped to a shared definition: Operating.
- “Payment of gratuities” is an issuer-specific line, not mapped to a shared definition: Operating.
- “Change in Other liabilities” is an issuer-specific line, not mapped to a shared definition: Operating.
- “Cash generated from (used in) operations” is an issuer-specific line, not mapped to a shared definition: Printed 'Cash generated from (used in) operations': in this statement it is the sum of the changes in operating assets and liabilities only, without profit before tax and the adjustments (which are a separate subtotal).
- “Interest expense” is an issuer-specific line, not mapped to a shared definition: Operating: interest paid, printed 'Interest expense'.
- “Tax refunds” is an issuer-specific line, not mapped to a shared definition: Operating.
- “Investment in government securities-amortized” is an issuer-specific line, not mapped to a shared definition: Investing: net investment in government securities at amortised cost.
- “Investment in securities-FVOCI” is an issuer-specific line, not mapped to a shared definition: Investing: net flows on FVOCI securities.
- “Repayment of subordinated debts”: mapping to a shared definition is uncertain. Repayment of the subordinated loan (note 31(b)); no other borrowing repayment line is printed.
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.
| Year ended | Event | Wording as printed | Amount | Unit | Source |
|---|---|---|---|---|---|
| 31 Dec 2025 | Dividends paid (cash flow statement) | Dividend Payment |
(2,203,730) | TZS thousands | Annual report, p40 |
| 31 Dec 2024 | Dividends paid (cash flow statement) | Dividend Payment |
0printed “–”, read as nil | TZS thousands | Annual report, p40 |
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.
-
Mkombozi Commercial Bank Plc Annual Report and Audited Financial Statements for the year ended 31 December 2025
Year ended 31 December 2025 · Annual report · signed / final
Audit: Ernst & Young, Certified Public Accountants, Dar es Salaam, unmodified opinion · signed
Auditor's sign-off: Ernst & Young; engagement partner CPA Dr. Neema Kiure (FCPA 1227)
Final status: Independent auditor's report (scanned, PDF pp31-36) with an unmodified opinion on the bank's financial statements (pages 36 to 116): handwritten 'Ernst & Young' firm signature, Certified Public Accountants, Dar es Salaam, and handwritten signature of the engagement partner CPA Dr. Neema Kiure (FCPA 1227), with the handwritten date '31 March 2026' (PDF p36, page image). The statement of financial position states the statements were authorised for issue by the Board on a date completed by hand '31 March 2026' and carries handwritten signatures of Gasper Casmir Njuu (Chairperson) and Benedict Warisianga Sudi (Board member, chairperson of the BARC) (PDF p38, page image).
- Document date
- 31 Mar 2026
- Published
- 28 Jul 2026
- Auditor's report
- 31 Mar 2026
- Board approval
- 31 Mar 2026
- Retrieved by us
- 8 Oct 2026 (not a publication date)
- Used for
- statement columns FY2025, FY2024
- Basis
- company statements · TZS thousands (printed “TZS'000”)
- Statement of cash flows 2025 (p40, text layer and page image agree): the unlabelled subtotal after the adjustments is printed (10,284,760), but profit before tax and the printed adjustments add to (9,942,109) (difference 342,651). Net cash from operating activities (16,794,651) adds with the printed subtotal. Kept as printed; the 2024 column adds.
- 'Net operating income' (p37) is net interest income after expected credit losses plus total non-interest income (an issuer concept); no operating income total before impairment is printed.
- Statement of cash flows (p40): 'Cash generated from (used in) operations' is the sum of the changes in operating assets and liabilities only; profit before tax and the adjustments close with a separate unlabelled subtotal, and net cash from operating activities adds that subtotal, the printed 'Cash generated' line, interest received, interest paid, tax paid and tax refunds (both years).
- Statement of financial position (p38): the liabilities and equity sections each close with an unlabelled subtotal; no total liabilities or total equity label is printed.
Technical details
- File
- 117 pages, with a text layer
- SHA-256
2f4e89cb397f457457dfd57546f6393b9d00b3341cbeceec6bd7fc9fcaec9d26- Entity as printed
- Mkombozi Commercial Bank Plc ("the Bank")
- Exchange copy
- retrieved 2026-10-08T18:07:28Z
Data notes
- Government securities - amortised cost — OCR read '50,926,18'; the page image shows '50,926,184'. OCR dropped the last digit of the 2025 amount; the render prints 50,926,184 (page image p38). (Mkombozi Commercial Bank Plc Annual Report and Audited Financial Statements for the year ended 31 December 2025, p38)
- Other assets — OCR read '5,241,00'; the page image shows '6,241,004'. OCR misread the 2025 amount (first digit and last digit); the render prints 6,241,004 (page image p38). (Mkombozi Commercial Bank Plc Annual Report and Audited Financial Statements for the year ended 31 December 2025, p38)
Review status: every figure has been located on its cited source page in an AI-assisted source verification (matched to the document's text; matched to OCR text of the page image; matched to OCR text and compared cell by cell with the page image) (9 October 2026). Independent review is pending for every figure; automated checks and the AI-assisted verification are not independent review.
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