Integrated Annual Report 2025

Integrated Annual Report 2025

Operating income increased by 10% to K6.15 billion, driven by balance sheet expansion anchored in strong growth in loans and advances to customers, which increased by 19% during the year. Profit after tax rose by 11% to K2 billion, supported by stable core earnings, prudent cost management, effective impairment control, and continued efficiency initiatives.

Why invest in Zanaco?

A Leader in Zambia’s Financial Growth

Market Leadership

Zanaco stands as a pillar of Zambia’s financial sector, offering stability and a diverse range of banking solutions. With a broad customer base and strong brand recognition, Zanaco continues to lead the market, providing exceptional value to both retail and corporate clients.

Sustainable Growth Strategy

Zanaco’s commitment to innovation and sustainability drives its success. By embracing digital transformation and financial inclusion, the bank is creating long-term value for stakeholders while advancing Zambia’s economic development.

Strong Financial Performance

With steady revenue growth and robust profitability, Zanaco delivers consistent returns for investors. Its focus on operational efficiency and sound risk management ensures a solid foundation for future growth.

Mukwandi Chibesakunda, Chief Executive Officer

The first year of the 2026 - 2030 strategy will be characterized by an emphasis on embedding operating changes initiated during 2025, strengthening execution capability across the organisation and deploying resources to areas with the greatest impact on customer outcomes and long-term value creation.

Performance Highlights

Integrated Annual Report 2025

  • Total Operating Income

    K 6,155 million

    FY 2024: K5,584 million

    10%

  • Net Profit

    K 1,999 million

    FY 2024: K1,793million

    11%

  • Customer Deposits

    K 45,061 million

    FY 2024: K36,023 million

    25%