Mkombozi Commercial Bank Income Statement

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

Millions TZS. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	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	35,644	30,108	25,883	25,666	22,076
Interest Income on Investments	5	-	-	-	-
Total Interest Income	35,649	30,108	25,883	25,666	22,076
Interest Paid on Deposits	8,214	7,703	8,109	7,320	8,787
Net Interest Income	27,435	22,406	17,774	18,346	13,288
Net Interest Income Growth (YoY)	22.45%	26.06%	-3.12%	38.06%	-8.88%
Gain (Loss) on Sale of Investments	-	159.09	1,369	1,021	-2,758
Other Non-Interest Income	10,708	8,303	7,732	4,673	4,403
Total Non-Interest Income	10,708	8,462	9,102	5,694	1,646
Non-Interest Income Growth (YoY)	26.54%	-7.03%	59.85%	246.00%	-66.53%
Revenues Before Loan Losses	38,143	30,868	26,876	24,041	14,934
Provision for Loan Losses	877	1,651	1,650	2,944	1,979
Revenue	37,266	29,216	25,226	21,097	12,955
Revenue Growth (YoY)	27.55%	15.82%	19.57%	62.85%	-34.76%
Salaries and Employee Benefits	9,922	9,257	8,750	7,877	8,407
Occupancy Expenses	-	2,183	2,162	2,065	2,040
Selling, General & Administrative	-	1,392	1,042	1,210	837.88
Other Non-Interest Expense	10,492	4,891	4,699	4,799	4,376
Total Non-Interest Expense	20,414	17,723	16,654	15,951	15,662
EBT Excluding Unusual Items	16,852	11,493	8,572	5,145	-2,707
Pretax Income	16,852	11,493	8,572	5,145	-2,707
Income Tax Expense	3,922	2,452	942.11	-476.42	-847.33
Net Income	12,930	9,041	7,630	5,622	-1,860
Net Income to Common	12,930	9,041	7,630	5,622	-1,860
Net Income Growth	43.01%	18.50%	35.72%	-	-
Basic Shares Outstanding	23	24	24	24	24
Diluted Shares Outstanding	23	24	24	24	24
Shares Change (YoY)	-3.19%	-	-	-	14.26%
EPS (Basic)	567.00	383.84	323.93	238.67	-78.94
EPS (Diluted)	567.00	383.84	323.93	238.67	-78.94
EPS Growth	47.72%	18.50%	35.72%	-	-
Dividend Per Share	-	92.400	-	-	-
Effective Tax Rate	23.27%	21.33%	10.99%	-	-

Source: S&P Global Market Intelligence. Banks template. Financial Sources.