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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

NMBZ

NMB.ZW · Zimbabwe Stock Exchange · Consolidated statements

On this page
Company details
Legal name
NMBZ Holdings Limited
Listing
NMB.ZW on the Zimbabwe Stock Exchange, active · ISIN ZW0009011389 (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

  • Auditor's report on the full statements, year to 2025-12-31: modified opinion (not a report on this summary). Qualified opinion on the full statements (as stated in the Auditor's Statement, p3): impact on comparatives of the prior-year qualification in respect of net foreign exchange gains.
  • Published summary of audited statements not confirmed as final. The published copy is not confirmed as the final version. The FY2025 figures come from it.
  • Auditor's emphasis of matter. Emphasis of matter (as stated in the Auditor's Statement, p3): 'The audit report has an emphasis of matter on the prior period error on correction of net foreign exchange gains.' (p3)
Full wording and sources

  • Auditor's report on the full statements, year to 2025-12-31: modified opinion (not a report on this summary)

    Auditor's Statement (abridged results, PDF p3): KPMG Chartered Accountants (Zimbabwe) 'have issued a qualified audit opinion due to impact on comparatives of the prior year qualification in respect of net foreign exchange gains' on the Group and Company's consolidated and separate financial statements; the full auditor's report is not printed (available at the registered office). Engagement partner Themba Mudidi. (PDF p3)

    Source: Abridged Audited Consolidated Financial Results for the year ended 31 December 2025 (dated 2026-03-31)

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

    Abridged results published by the issuer. No auditor's report on the abridged results is printed; the 'Auditor's Statement' (p3) says the full statements were audited by KPMG Chartered Accountants (Zimbabwe), who issued a qualified opinion, and that the report is available for inspection at the registered office. The report of the directors states the statements 'were approved by the Board of Directors on 26 March 2026' and is signed (handwritten signature) by Violet Mutandwa, Company Secretary, Harare, 31 March 2026 (p3 page image).

    Source: Abridged Audited Consolidated Financial Results for the year ended 31 December 2025 (dated 2026-03-31)

  • 2025, 2024: figures from a published summary

    These columns come from a summary of the audited statements, not the full audited financial statements. 'The Group and Company's consolidated and separate financial statements from which these abridged consolidated financial results have been extracted, have been audited by the Group's external auditors KPMG Chartered Accountants (Zimbabwe)' (p3) No auditor's report on the summary is printed; the summary states 'The Group and Company's consolidated and separate financial statements from which these abridged consolidated financial results have been extracted, have been audited by the Group's external auditors KPMG Chartered Accountants (Zimbabwe), who have issued a qualified audit opinion ...' (p3). Condensed consolidated statements of profit or loss and OCI (p3), financial position and changes in equity (p4) and cash flows (p5), with selected notes (pp5-13), and the bank subsidiary's abridged statements (p14 onward). Changes in equity, the subsidiary's statements and the non-cash adjustments in the cash-flow statement are not transcribed.

    Source: Abridged Audited Consolidated Financial Results for the year ended 31 December 2025 (dated 2026-03-31)

  • Auditor's emphasis of matter

    Emphasis of matter (as stated in the Auditor's Statement, p3): 'The audit report has an emphasis of matter on the prior period error on correction of net foreign exchange gains.' (p3)

    Source: Abridged Audited Consolidated Financial Results for the year ended 31 December 2025 (dated 2026-03-31)

  • Net interest income

    ZWG 605 million

    605,055 ZWG thousands · p3

    +76.9% vs 2024

    Interest income less interest expense, as printed.

  • Operating income

    ZWG 2.03 billion

    2,026,983 ZWG thousands · p3

    +11.6% vs 2024

    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

    ZWG 251 million

    250,572 ZWG thousands · p3

    Moved from loss to profit (FY2024: (205 140) ZWG thousands)

  • Total assets

    ZWG 9.07 billion

    9,069,703 ZWG thousands · p4

    +27.3% vs 2024

  • Customer deposits

    ZWG 3.45 billion

    3,447,476 ZWG thousands · p4

    +43.6% vs 2024

  • Total equity

    ZWG 2.25 billion

    2,247,099 ZWG thousands · p4

    +9.7% vs 2024

Large amounts are rounded for reading (ZWG 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 ZWG 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 — published summary of audited statements (summary), final status not established; comparative in the FY2025 filing · source
    • 2025, 2024: figures from a published summary. These columns come from a summary of the audited statements, not the full audited financial statements. 'The Group and Company's consolidated and separate financial statements from which these abridged consolidated financial results have been extracted, have been audited by the Group's external auditors KPMG Chartered Accountants (Zimbabwe)' (p3) No auditor's report on the summary is printed; the summary states 'The Group and Company's consolidated and separate financial statements from which these abridged consolidated financial results have been extracted, have been audited by the Group's external auditors KPMG Chartered Accountants (Zimbabwe), who have issued a qualified audit opinion ...' (p3). Condensed consolidated statements of profit or loss and OCI (p3), financial position and changes in equity (p4) and cash flows (p5), with selected notes (pp5-13), and the bank subsidiary's abridged statements (p14 onward). Changes in equity, the subsidiary's statements and the non-cash adjustments in the cash-flow statement are not transcribed.

Income statement

Income statement, ZWG thousands. Columns: FY2025 — published summary of audited statements (final status not established), as reported for the year; FY2024 — published summary of audited statements (final status not established), comparative reported in the published summary of audited statements for 2025.
Line (as printed) FY2025Published summary of audited statements (summary)reported for the yearFY2024Published summary of audited statements (summary)comparative in FY2025 filingsource limitations
Interest revenue calculated using the effective interest method 875,886 466,272
Interest expense calculated using the effective interest method (270,830) (124,257)
Net interest income 605,055 342,015
Fee and commissions income 1,201,650 926,754
Net foreign exchange gains1 11,213 938,960
Revenue2 1,817,918 2,207,729
Other income/(losses) 209,065 (391,089)
Operating income 2,026,983 1,816,640
Operating expenditure (1,434,266) (1,022,752)
Operating income before impairment charge and net monetary loss 592,717 793,888
Expected credit impairment losses on financial assets measured at amortised cost (116,916) (87,735)
Loss on net monetary position3 –4 (833,484)
Profit/(loss) before tax 475,801 (127,331)
Taxation (225,229) (77,809)
Profit/(loss) for the period 250,572 (205,140)
Exchange loss on translation to presentation currency5 (8,560) –6
Revaluation losses on land and buildings, net of tax**7 (2,336) (41,119)
Other comprehensive income (10,895) (41,119)
Total comprehensive income/(loss) for the period 239,677 (246,259)
  1. Printed “-”, read as nil: subtotal_arithmetic: is.profit_before_tax.
  2. Printed “-”, read as nil: subtotal_arithmetic: is.other_comprehensive_income.
Notes and alternative reported figures (5)
  1. “Net foreign exchange gains” is an issuer-specific line, not mapped to a shared definition: Note 5.2: net foreign exchange gains, part of the issuer's 'Revenue'.
  2. “Revenue” is an issuer-specific line, not mapped to a shared definition: The issuer's 'Revenue': net interest income, fee and commission income and net foreign exchange gains (not revenue in the non-financial sense).
  3. “Loss on net monetary position” is an issuer-specific line, not mapped to a shared definition: IAS 29 loss on the net monetary position (nil in 2025 after the change of functional currency).
  4. “Exchange loss on translation to presentation currency” is an issuer-specific line, not mapped to a shared definition: OCI: translation from the USD functional currency to the ZWG presentation currency.
  5. “Revaluation losses on land and buildings, net of tax**” is an issuer-specific line, not mapped to a shared definition: OCI, note 5.4; not recycled to profit or loss.

Balance sheet

Balance sheet, ZWG thousands. Columns: FY2025 — published summary of audited statements (final status not established), as reported for the year; FY2024 — published summary of audited statements (final status not established), comparative reported in the published summary of audited statements for 2025.
Line (as printed) FY2025Published summary of audited statements (summary)reported for the yearFY2024Published summary of audited statements (summary)comparative in FY2025 filingsource limitations
Share capital 417 417
Share Premium 118,264 128,589
Treasury shares reserve1 (9) (9)
Functional currency translation reserve2 33,428 33,428
Foreign currency translation reserve3 (8,560) –4
Revaluation reserve 300,355 302,691
Share Option Reserve5 9,189 7,826
Retained earnings 1,794,013 1,575,401
Total equity 2,247,099 2,048,343
Subordinated term loan6 –7 29,115
Total shareholders’ funds and shareholders’ liabilities8 2,247,099 2,077,458
Deposits 3,447,476 2,401,375
Other liabilities 660,311 498,884
Borrowings 2,580,506 2,036,741
Current tax liabilities 41,306 13,446
Deferred tax liabilities 93,005 98,369
Total liabilities 6,822,604 5,048,815
Total shareholders’ funds and liabilities 9,069,703 7,126,273
Cash and cash equivalents 2,713,422 2,271,630
RBZ Digital Gold Tokens9 2,647 4,688
Investment securities 428,913 435,592
Loans and advances 4,144,357 2,803,007
Other assets 265,084 236,533
Trade and other investments10 9,172 6,893
Investment properties 957,282 833,054
Intangible assets 46,867 59,400
Property and equipment 501,959 475,476
Total assets 9,069,703 7,126,273
  1. Printed “-”, read as nil: subtotal_arithmetic: bs.total_equity.
  2. Printed “-”, read as nil: subtotal_arithmetic: bs.native.co_kz4bg9gfnka6.shareholders_funds_and_liabilities.
Notes and alternative reported figures (8)
  1. “Treasury shares reserve” is an issuer-specific line, not mapped to a shared definition: Treasury shares reserve (negative).
  2. “Functional currency translation reserve” is an issuer-specific line, not mapped to a shared definition: Reserve from earlier changes of functional currency.
  3. “Foreign currency translation reserve” is an issuer-specific line, not mapped to a shared definition: Translation reserve from USD functional to ZWG presentation currency.
  4. “Share Option Reserve” is an issuer-specific line, not mapped to a shared definition: Share-based payment reserve.
  5. “Subordinated term loan” is an issuer-specific line, not mapped to a shared definition: Note 10: subordinated term loan, presented with shareholders' funds (nil at 31 December 2025).
  6. “Total shareholders’ funds and shareholders’ liabilities” is an issuer-specific line, not mapped to a shared definition: Total equity plus the subordinated term loan.
  7. “RBZ Digital Gold Tokens” is an issuer-specific line, not mapped to a shared definition: Reserve Bank of Zimbabwe digital gold tokens held.
  8. “Trade and other investments” is an issuer-specific line, not mapped to a shared definition: Equity and other investments at fair value.

Cash flow

Cash flow, ZWG thousands. Columns: FY2025 — published summary of audited statements (final status not established), as reported for the year; FY2024 — published summary of audited statements (final status not established), comparative reported in the published summary of audited statements for 2025.
Line (as printed) FY2025Published summary of audited statements (summary)reported for the yearFY2024Published summary of audited statements (summary)comparative in FY2025 filingsource limitations
Operating cash flows before changes in operating assets and liabilities1 (32,247) (7,523)
Increase/(decrease) in customer deposits2 1,046,101 87,162
Increase/(decrease) in other liabilities3 182,029 77,654
Increase in loans and advances4 (1,341,350) (722,900)
(Decrease)/Increase in other assets5 (28,551) 1,736
Net cash used in operations (174,018) (563,871)
Interest received** 886,030 458,344
Interest paid**6 (240,589) (3,681)
Corporate tax paid (189,397) (108,625)
Net cash inflow/(outflow) from operations 282,026 (217,834)
Acquisition of intangible assets (1,223) (51,173)
Acquisition of investment securities7 (325,901) (32,572)
Disposal of investment securities8 39,391 60,086
Disposal of RBZ digital gold tokens9 2,041 80,989
Acquisition of property and equipment (Note 22) (19,620) (67,678)
Proceeds on disposal of investment properties10 18,423 3,421
Acquisition of investment properties (Note 20)11 (62,482) –12
Net cash used in investing activities (349,370) (6,927)
Repayment of lease liabilities (20,601) (13,738)
Cash dividend paid (26,136) (33,423)
Borrowings repaid (287,806) (384,507)
Borrowings raised 831,571 1,185,902
Net cash inflow from financing activities 497,028 754,234
Net increase/(decrease) in cash and cash equivalents 429,683 529,473
Net foreign exchange and monetary adjustments on cash and cash equivalents 12,109 199,218
Cash and cash equivalents at beginning of the period 2,271,630 1,542,939
Cash and cash equivalents at the end of the period 2,713,422 2,271,630
  1. Printed “-”, read as nil: subtotal_arithmetic: cf.cash_from_investing.
Notes and alternative reported figures (11)
  1. “Operating cash flows before changes in operating assets and liabilities” is an issuer-specific line, not mapped to a shared definition: Profit before tax adjusted for non-cash items.
  2. “Increase/(decrease) in customer deposits” is an issuer-specific line, not mapped to a shared definition: Change in operating liabilities.
  3. “Increase/(decrease) in other liabilities” is an issuer-specific line, not mapped to a shared definition: Change in operating liabilities.
  4. “Increase in loans and advances” is an issuer-specific line, not mapped to a shared definition: Change in operating assets.
  5. “(Decrease)/Increase in other assets” is an issuer-specific line, not mapped to a shared definition: Change in operating assets.
  6. “Interest paid**” is an issuer-specific line, not mapped to a shared definition: Interest paid (incl. on deposits), within operating cash flows from 2025 (reclassified).
  7. “Acquisition of investment securities” is an issuer-specific line, not mapped to a shared definition: Investing.
  8. “Disposal of investment securities” is an issuer-specific line, not mapped to a shared definition: Investing.
  9. “Disposal of RBZ digital gold tokens” is an issuer-specific line, not mapped to a shared definition: Investing.
  10. “Proceeds on disposal of investment properties” is an issuer-specific line, not mapped to a shared definition: Investing.
  11. “Acquisition of investment properties (Note 20)” is an issuer-specific line, not mapped to a shared definition: Investing.

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 — published summary of audited statements (final status not established), comparative reported in the published summary of audited statements for 2025.
Line (as printed) FY2025Published summary of audited statements (summary)reported for the yearFY2024Published summary of audited statements (summary)comparative in FY2025 filingsource limitations
Earnings / (loss) per share (per share)41 0.562 (0.47)3
  1. Printed as 56 cents; value converted to ZWG at 100 cents = 1 ZWG.
  2. Printed as (47) cents; value converted to ZWG at 100 cents = 1 ZWG.
Notes and alternative reported figures (2)
  1. “- Basic”: mapping to a shared definition is uncertain. Basic EPS (ZWG cents); diluted EPS is printed separately and differs in 2024 (( 46) against ( 47)), recorded as a native concept.
  2. Earnings / (loss) per share: printed as “- Basic”.

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) Cash dividend paid (26,136) ZWG thousands Summary statements, p5
31 Dec 2024 Dividends paid (cash flow statement) Cash dividend paid (33,423) ZWG thousands Summary statements, p5

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.

  • Abridged Audited Consolidated Financial Results for the year ended 31 December 2025

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

    Audit: Auditor not stated (named); no auditor's opinion on the full statements in this document · no signature page in this document

    Final status: Abridged results published by the issuer. No auditor's report on the abridged results is printed; the 'Auditor's Statement' (p3) says the full statements were audited by KPMG Chartered Accountants (Zimbabwe), who issued a qualified opinion, and that the report is available for inspection at the registered office. The report of the directors states the statements 'were approved by the Board of Directors on 26 March 2026' and is signed (handwritten signature) by Violet Mutandwa, Company Secretary, Harare, 31 March 2026 (p3 page image).

    Document date
    31 Mar 2026
    Auditor's report
    date not found in this document
    Board approval
    26 Mar 2026
    Retrieved by us
    17 Oct 2026 (not a publication date)
    Used for
    statement columns FY2025, FY2024
    Basis
    consolidated statements · ZWG thousands (printed “ZWG ‘000”)
    • Auditor's Statement (abridged results, PDF p3): KPMG Chartered Accountants (Zimbabwe) 'have issued a qualified audit opinion due to impact on comparatives of the prior year qualification in respect of net foreign exchange gains' on the Group and Company's consolidated and separate financial statements; the full auditor's report is not printed (available at the registered office). Engagement partner Themba Mudidi. (PDF p3)
    • Qualified opinion on the full statements (as stated in the Auditor's Statement, p3): impact on comparatives of the prior-year qualification in respect of net foreign exchange gains.
    • Comparatives of all statements are headed '*Restated' for a prior-period error (note 23). Functional currency changed from ZWG to USD on 1 January 2025; presentation currency ZWG; 2024 comparatives translated at the 31 December 2025 rate (note 2.1, p5). The issuer's 'Revenue' line is a bank total (NII, fees, FX gains). Interest received and paid were reclassified into operating cash flows (p5 footnote).
    • No auditor's report on the summary is printed; the summary states 'The Group and Company's consolidated and separate financial statements from which these abridged consolidated financial results have been extracted, have been audited by the Group's external auditors KPMG Chartered Accountants (Zimbabwe), who have issued a qualified audit opinion ...' (p3).
    • Condensed consolidated statements of profit or loss and OCI (p3), financial position and changes in equity (p4) and cash flows (p5), with selected notes (pp5-13), and the bank subsidiary's abridged statements (p14 onward). Changes in equity, the subsidiary's statements and the non-cash adjustments in the cash-flow statement are not transcribed.
    Technical details
    File
    19 pages, with a text layer
    SHA-256
    015109ad5cf6d9689fe37404482a7cad3aa29a521e3d54617c5a38cad4c0d61b
    Entity as printed
    NMBZ Holdings Limited (p3, p5)
    Issuer copy
    retrieved 2026-10-17T14:46:16Z

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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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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