Financial Highlights
The Group recorded a profit after tax of K874 million, representing 24% growth in profit compared to the previous year. This performance was driven by 20% (K557 million) increase in Operating income, astute impairment and cost management.
Total operating income was primarily driven by 17% (K470 million) growth in Interest Income, reflecting improved asset yields and growth in the loan book. Fee and commission income equally grew by 14% (K79 million), supported by increased transactional volumes anchored on the digital channels. This performance was positively impacted by a reduction in interest expense by 12% (K116 million) attributable to the Bank’s improved liquidity posture in the year.
Operating expenses increased by 12% (K207 million), reflecting the Group’s continued strategic investments aimed at enhancing long-term shareholder value and positioning the Bank for sustainable future growth. The Group remains committed to drive efficiencies by leveraging technology and driving automation to ensure that it puts its customers first in its service delivery.
The Group maintained a strong financial position as at 30 June 2025. Loans and advances grew by 15% (K2.4 billion), Cash 22% (K2.8 billion), Customer deposits 20% (K6.4 billion) and Retained earnings 33% (K1.3 billion). Total Assets grew by 10% (K4.7 billion). The Group continues to cautiously grow its asset and liabilities base in a sustainable manner to ensure that it safeguards shareholder value.
Capital
The Group remains adequately capitalised and continues to prudently utilise its capital to ensure maximum return on investments. As at 30 June 2025, the Group retained a strong capital ratio of 21.91%, after a dividend payout of K632 million.
Future Outlook
The Group remains committed to driving sustainable growth through continued investment in digital innovation and customer-centric solutions. By leveraging technology, we aim to enhance operational agility and responsiveness to an evolving regulatory and economic landscape. Our unwavering focus remains putting our customers first.
By Order of the Board
KALUBA G KAULUNG’OMBE-INAMPASA
COMPANY SECRETARY
Issued in Lusaka, Zambia on 25 August 2025
DOWNLOAD: Summarised Unaudited Results For The Period Ended 30 June 2025.pdf
