CRDB Bank Plc (DAR:CRDB)

CRDB Bank Income Statement

Financials in millions TZS. Fiscal year is January - December.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	1,849,267	1,562,110	1,227,052	965,471	789,666	699,294
Interest Income on Investments	-43	-	379	1,814	779	-
Total Interest Income	1,849,224	1,562,110	1,227,431	967,285	790,445	699,294
Interest Paid on Deposits	520,537	417,894	346,426	219,472	142,239	116,305
Interest Paid on Borrowings	4,755	4,755	3,707	1,980	2,331	2,509
Total Interest Expense	525,292	422,649	350,133	221,452	144,570	118,814
Net Interest Income	1,323,932	1,139,461	877,298	745,833	645,875	580,480
Net Interest Income Growth (YoY)	23.38%	29.88%	17.63%	15.48%	11.27%	9.71%
Gain (Loss) on Sale of Assets	-1,029	-1,029	-11,773	-1,712	-78	-581
Gain (Loss) on Sale of Investments	4,921	4,921	7,387	46,286	32,862	19,581
Other Non-Interest Income	579,569	469,169	410,522	322,539	245,311	209,220
Total Non-Interest Income	583,461	473,061	406,136	367,113	278,095	228,220
Non-Interest Income Growth (YoY)	21.63%	16.48%	10.63%	32.01%	21.85%	17.72%
Revenues Before Loan Losses	1,907,393	1,612,522	1,283,434	1,112,946	923,970	808,700
Provision for Loan Losses	132,078	95,187	39,658	60,435	23,255	73,065
Revenue	1,775,315	1,517,335	1,243,776	1,052,511	900,715	735,635
Revenue Growth (YoY)	18.91%	21.99%	18.17%	16.85%	22.44%	16.50%
Salaries and Employee Benefits	424,005	380,448	338,243	304,870	293,788	293,054
Occupancy Expenses	84,009	84,009	84,444	70,640	66,222	58,400
Selling, General & Administrative	28,235	28,235	26,235	20,673	148,066	129,368
Other Non-Interest Expense	297,910	245,847	196,203	158,619	5,273	18,643
Total Non-Interest Expense	834,159	738,539	645,125	554,802	513,349	499,465
EBT Excluding Unusual Items	941,156	778,796	598,651	497,709	387,366	236,170
Pretax Income	941,156	778,796	598,651	497,709	387,366	236,170
Income Tax Expense	278,109	227,309	175,859	146,302	119,205	70,984
Earnings From Continuing Operations	663,047	551,487	422,792	351,407	268,161	165,186
Minority Interest in Earnings	2,955	2,955	1,898	-	-	-
Net Income	666,002	554,442	424,690	351,407	268,161	165,186
Net Income to Common	666,002	554,442	424,690	351,407	268,161	165,186
Net Income Growth	20.40%	30.55%	20.85%	31.04%	62.34%	37.49%
Basic Shares Outstanding	2,620	2,612	2,612	2,612	2,612	2,612
Diluted Shares Outstanding	2,620	2,612	2,612	2,612	2,612	2,612
Shares Change (YoY)	0.32%	-	-	-	-	-
EPS (Basic)	254.18	212.27	162.59	134.54	102.67	63.24
EPS (Diluted)	254.18	212.27	162.59	134.54	102.67	63.24
EPS Growth	20.02%	30.55%	20.85%	31.04%	62.34%	37.49%
Dividend Per Share	-	65.000	50.000	45.000	36.000	22.000
Dividend Growth	-	30.00%	11.11%	25.00%	63.64%	29.41%
Effective Tax Rate	29.55%	29.19%	29.38%	29.39%	30.77%	30.06%

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.