CRDB Bank Income Statement

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

Millions TZS. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Interest Income on Loans	2,455,003	1,998,857	1,540,826	1,227,052	965,471	789,666
Interest Income on Investments	370	483	-	379	1,814	779
Total Interest Income	2,455,373	1,999,340	1,540,826	1,227,431	967,285	790,445
Interest Paid on Deposits	763,870	585,353	417,894	346,426	219,472	142,239
Interest Paid on Borrowings	5,819	5,819	4,755	3,707	1,980	2,331
Total Interest Expense	769,689	591,172	422,649	350,133	221,452	144,570
Net Interest Income	1,685,684	1,408,168	1,118,177	877,298	745,833	645,875
Net Interest Income Growth	27.32%	25.93%	27.46%	17.63%	15.48%	11.27%
Gain (Loss) on Sale of Assets	216	216	-1,029	-11,773	-1,712	-78
Gain (Loss) on Sale of Investments	9,736	9,736	4,921	7,387	46,286	32,862
Other Non-Interest Income	761,583	619,313	490,453	410,522	322,539	245,311
Total Non-Interest Income	771,535	629,265	494,345	406,136	367,113	278,095
Non-Interest Income Growth	32.23%	27.29%	21.72%	10.63%	32.01%	21.85%
Revenues Before Loan Losses	2,457,219	2,037,433	1,612,522	1,283,434	1,112,946	923,970
Provision for Loan Losses	207,076	153,589	95,187	39,658	60,435	23,255
Revenue	2,250,143	1,883,844	1,517,335	1,243,776	1,052,511	900,715
Revenue Growth	26.75%	24.15%	21.99%	18.17%	16.85%	22.44%
Salaries and Employee Benefits	476,090	431,464	380,448	338,243	304,870	293,788
Occupancy Expenses	96,295	96,295	84,009	84,444	70,640	66,222
Selling, General & Administrative	11,528	11,528	28,235	26,235	20,673	148,066
Other Non-Interest Expense	419,718	314,046	245,847	196,203	158,619	5,273
Total Non-Interest Expense	1,003,631	853,333	738,539	645,125	554,802	513,349
EBT Excluding Unusual Items	1,246,512	1,030,511	778,796	598,651	497,709	387,366
Pretax Income	1,246,512	1,030,511	778,796	598,651	497,709	387,366
Income Tax Expense	366,342	301,945	227,309	175,859	146,302	119,205
Earnings From Continuing Operations	880,170	728,566	551,487	422,792	351,407	268,161
Minority Interest in Earnings	3,891	3,891	2,955	1,898	-	-
Net Income	884,061	732,457	554,442	424,690	351,407	268,161
Net Income to Common	884,061	732,457	554,442	424,690	351,407	268,161
Net Income Growth	32.74%	32.11%	30.55%	20.85%	31.04%	62.34%
Basic Shares Outstanding	2,612	2,612	2,612	2,612	2,612	2,612
Diluted Shares Outstanding	2,612	2,612	2,612	2,612	2,612	2,612
Shares Change	-0.32%	-	-	-	-	-
EPS (Basic)	338.50	280.42	212.27	162.59	134.54	102.67
EPS (Diluted)	338.50	280.42	212.27	162.59	134.54	102.67
EPS Growth	33.17%	32.11%	30.55%	20.85%	31.04%	62.34%

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Dividend Per Share	-	90.000	65.000	50.000	45.000	36.000
Dividend Growth	-	38.46%	30.00%	11.11%	25.00%	63.64%
Effective Tax Rate	29.39%	29.30%	29.19%	29.38%	29.39%	30.77%