KANZA CAPITAL PARTNERS · PUBLIC EVIDENCE RECORD
CRDB Bank
CRDB · DSE · market data as at 2026-09-18Market facts: Dar es Salaam Stock Exchange. Financial, dividend and ownership facts: issuer disclosures, retained by source URL and SHA-256. Derived changes use the displayed periods. Missing facts remain missing.
Information and education only, never advice, a recommendation or an offer. Printed from https://kanzacapitalpartners.com/companies/crdb-bank.
Investor snapshot
CRDBdomesticFinancials
CRDB Bank
Start with the latest normalized issuer results, then test them against the verified DSE market record and the underlying documents.
Source facts stay open.
Decision support begins behind the boundary.
Scenarios, sensitivities, monitoring questions and modelling workflow.
Explore member accessStart here
Five signals before the detail.
Each row uses its own disclosed scale. An unavailable fact has no plotted magnitude. These are descriptive signals, not a score, peer ranking, forecast or recommendation.
- Bid-ask spread and executable size are unverified.
- Public ownership classifications are not treated as tradable free float.
- Accounting-basis changes remain visible; periods are not silently restated.
- Sector context is limited to the verified tickers shown.
Market record
The close is already above. Here is the rest of the session.
Every figure below refers to the same verified DSE close. It describes the tape; it does not establish typical liquidity or future direction.
Tradability evidence · bounded window
Volume varied sharply across the retained window.
This is a median across 50 retained DSE snapshots, not ADV. Missing dates are not treated as zero, and no bid-ask or executable-size claim is added.
Logarithmic display scale. Every bar remains in date order; exact session volumes are available from each bar and the source record.
How has CRDB's verified close moved across the available public record?
CRDB verified close history
As at 18 Sep 2026 · Source: Dar es Salaam Stock Exchange (DSE), via MCL market platform daily export (market.mcl.co.tz). Exact values and method remain in the static evidence table below.
03 · Descriptive reading
Three views of the same record.
These transformations expose change, recent direction and recorded position. They are not forecasts, total returns or estimates of value.
Last 20 recorded observations · no calendar-time substitution.
04 · Ownership and tradability
Reported ownership, without a free-float guess.
The cited filing presents a complete 100% structure. Ownership remains separate from tradable free float, bid-ask depth and executable size.
Shareholding reported at 2026-03-31
Danida Investment Fund is the largest disclosed holder at 20.98%.
- 01Danida Investment Fund20.98%
- 02PSSSF Pension Fund13.28%
- 03National Social Security Fund (Uganda)7.9%
- 04Banque Pictet And Cie SA A/C Patrick Schegg1.67%
- 05National Social Security Fund1.67%
- 06Zanzibar Social Security Fund1.58%
- 07Hans Aingaya Macha1.52%
- 08Tanvinder Singh Virdi1.25%
- 09Umoja Unit Trust Scheme1.24%
- 10National Health Insurance Fund1.23%
- 11CMG Investment Limited1.18%
- 12Deogratius Emily Marandu1.18%
- 13Shareholders below 1% each45.31%
- Holders above 10%
- 34.3%
- Holders above 1% and below 10%
- 20.43%
- Holders below 1% each
- 45.31%
The complete issuer table reconciles exactly to 2,611,838,584 shares. Normalized percentages are calculated from the reported share counts because the displayed rounded holder percentages total 100.11%; reportedPercent preserves every printed percentage. The source's residual label says more than 89,194 shareholders and is not converted into an exact shareholder count or a tradable free-float estimate.
04b · Classification and evidence sequence
From company record to listed tape.
This is an evidence sequence, not a causal model. A missing filing cannot be replaced by a price, and a price move cannot prove an operating cause.
Official disclosures
66 indexedLatest DSE filing period 2026-06-30 · 3 normalizedReported business evidence
Profit after tax: TZS 416.9bnH1 2026 · PDF p. 1Capital and governance record
1 retained items1 actions · 0 governance disclosuresListed market record
DSE-verified session2026-09-18 · DSE verified closeConstituents are a KCP classification by business type. The Dar es Salaam Stock Exchange publishes the BI index level (shown above, DSE-verified) but does not publish a constituent table; this grouping is KCP's, not DSE-verified index membership.
Current reported results · source evidence
Q1, Q2 and half-year figures, without mixing the periods.
Group figures from CRDB Bank Plc’s unaudited issuer statements. Quarter-only, cumulative and point-in-time comparisons remain separate; every value resolves to a retained PDF and page.
Q1 year on yearQ1-2025 → Q1-2026
Standalone quarter; group; unaudited issuer figures.
| Metric | Q1-2025 | Q1-2026 | Change |
|---|---|---|---|
| Interest income | TZS 428.6bn | TZS 564.0bn | +31.6% |
| Interest expense | TZS 120.5bn | TZS 175.2bn | +45.4% |
| Net interest income | TZS 308.1bn | TZS 388.8bn | +26.2% |
| Loan impairment losses | TZS 35.5bn | TZS 38.7bn | +9.1% |
| Non-interest income | TZS 188.4bn | TZS 186.7bn | -0.9% |
| Foreign-exchange income | TZS 51.6bn | TZS 30.8bn | -40.3% |
| Fees and commissions income | TZS 130.8bn | TZS 143.9bn | +10.0% |
| Non-interest expense | TZS 206.8bn | TZS 239.1bn | +15.6% |
| Profit before tax | TZS 254.2bn | TZS 297.6bn | +17.1% |
| Profit after tax | TZS 173.4bn | TZS 206.2bn | +18.9% |
| Basic earnings per share | TZS 66 | TZS 79 | +19.7% |
| Return on average total assets | 5.9% | 5.1% | -0.8pp |
| Return on average shareholders’ funds | 30.0% | 28.0% | -2.0pp |
| Non-interest expense / gross income | 41.7% | 41.6% | -0.1pp |
| Net interest income / average earning assets | 8.6% | 7.9% | -0.7pp |
Q2 year on yearQ2-2025 → Q2-2026
Standalone quarter; group; unaudited issuer figures.
| Metric | Q2-2025 | Q2-2026 | Change |
|---|---|---|---|
| Interest income | TZS 475.2bn | TZS 615.0bn | +29.4% |
| Interest expense | TZS 140.7bn | TZS 210.7bn | +49.7% |
| Net interest income | TZS 334.5bn | TZS 404.3bn | +20.9% |
| Loan impairment losses | TZS 37.2bn | TZS 45.3bn | +21.9% |
| Non-interest income | TZS 165.5bn | TZS 214.0bn | +29.3% |
| Foreign-exchange income | TZS 21.4bn | TZS 25.4bn | +18.4% |
| Fees and commissions income | TZS 134.1bn | TZS 172.8bn | +28.9% |
| Non-interest expense | TZS 217.2bn | TZS 276.4bn | +27.2% |
| Profit before tax | TZS 245.7bn | TZS 296.6bn | +20.7% |
| Profit after tax | TZS 173.0bn | TZS 210.7bn | +21.7% |
| Basic earnings per share | TZS 66 | TZS 81 | +22.7% |
| Return on average total assets | 5.2% | 4.6% | -0.6pp |
| Return on average shareholders’ funds | 29.0% | 27.9% | -1.1pp |
| Non-interest expense / gross income | 43.4% | 44.7% | +1.3pp |
| Net interest income / average earning assets | 8.2% | 7.4% | -0.8pp |
Balance sheet since MarchQ1-2026 → Q2-2026
Point-in-time group balance sheet and credit indicators; both columns printed in the Q2 issuer filing.
| Metric | Q1-2026 | Q2-2026 | Change |
|---|---|---|---|
| Total assets | TZS 23.89tn | TZS 26.40tn | +10.5% |
| Net loans and advances | TZS 14.66tn | TZS 16.96tn | +15.7% |
| Customer deposits | TZS 16.03tn | TZS 18.54tn | +15.7% |
| Total liabilities | TZS 20.84tn | TZS 23.38tn | +12.2% |
| Total shareholders’ funds | TZS 3.06tn | TZS 3.02tn | -1.2% |
| Non-performing loans and advances | TZS 430.6bn | TZS 408.0bn | -5.3% |
| Non-performing loans / gross loans | 2.85% | 2.36% | -0.49pp |
| Gross loans / total deposits | 92.8% | 92.5% | -0.3pp |
| Loans and advances / total assets | 61.4% | 64.2% | +2.8pp |
| Earning assets / total assets | 83.6% | 87.8% | +4.2pp |
First half year on yearH1-2025 → H1-2026
Six-month cumulative group result; unaudited issuer figures.
| Metric | H1-2025 | H1-2026 | Change |
|---|---|---|---|
| Interest income | TZS 903.8bn | TZS 1.18tn | +30.4% |
| Interest expense | TZS 261.2bn | TZS 385.9bn | +47.7% |
| Net interest income | TZS 642.6bn | TZS 793.0bn | +23.4% |
| Loan impairment losses | TZS 72.7bn | TZS 84.0bn | +15.6% |
| Non-interest income | TZS 353.9bn | TZS 400.7bn | +13.2% |
| Foreign-exchange income | TZS 73.0bn | TZS 56.2bn | -23.1% |
| Fees and commissions income | TZS 264.9bn | TZS 316.8bn | +19.6% |
| Non-interest expense | TZS 424.0bn | TZS 515.5bn | +21.6% |
| Profit before tax | TZS 499.8bn | TZS 594.2bn | +18.9% |
| Profit after tax | TZS 346.5bn | TZS 416.9bn | +20.3% |
| Basic earnings per share | TZS 133 | TZS 160 | +20.3% |
| Return on average total assets | 5.5% | 4.9% | -0.6pp |
| Return on average shareholders’ funds | 29.5% | 28.0% | -1.5pp |
| Non-interest expense / gross income | 42.6% | 43.2% | +0.6pp |
| Net interest income / average earning assets | 8.4% | 7.7% | -0.7pp |
The normalized set covers the headline group balance sheet, profit drivers, credit-quality ratios and return indicators needed by the public company record and MI projection. It is not represented as a complete model-input three-statement package.
Q1 is text-searchable. Q2 table values were visually transcribed from the issuer PDF because its financial tables are raster images; every retained value was checked against the rendered page.
Reported trajectory · source evidence
Two periods, one retained source, no mixed basis.
Select a metric to compare adjacent group results printed in the same retained source. Audit status remains visible. This is reported history, not a forecast or quality score.
Dividend state, not just a number.
Evidence exceptions · 3
The prior cash-paid total remains unresolved; the separate FY2025 Board-proposed per-share dividend is recorded from the DSE-hosted corporate-action notice.
Q2 values require retained-image visual verification and must not be represented as machine-extracted text.
Cash-flow and detailed balance-sheet lines remain in the retained filings but are outside this public comparison projection.
05 · Company-reported evidence
What can be traced to a retained document?
Market dates and reporting periods remain separate. Missing fundamentals stay missing until a document, locator and review state support them.
06 · Evidence-risk ledger
What this page cannot prove.
Trust is not the absence of uncertainty. It is the discipline of showing exactly where the evidence becomes thin.
Session liquidity
50-snapshot windowRetained median volume 620,372 from 2026-07-10 to 2026-09-18. This bounded archive is not ADV and does not establish executable size.Historical coverage
223 observationsAvailable from 2025-07-25 to 2026-09-18. Missing trading dates are not filled forward.Filing vintage
66 official DSE filingsLatest normalized documentary date: 2026-06-30. The complete DSE register is indexed separately; reporting periods remain distinct from market dates.Comparison boundary
BIConstituents are a KCP classification by business type. The Dar es Salaam Stock Exchange publishes the BI index level (shown above, DSE-verified) but does not publish a constituent table; this grouping is KCP's, not DSE-verified index membership.07 · How to use this record
Follow the source boundary, not the decoration.
Each number is either a primary-source fact, a labelled calculation from cited inputs, or absent. The page does not bridge a missing fact with an estimate.
Close, session direction, volume and turnover use the dated DSE board. Retained snapshots stay date-bound.
Open DSE source 02 · Issuer authorityCRDB Bank Plc investor reportsThe issuer archive is verified as a discovery source. Values enter the fact layer only with a retained document, page locator, period and review state.
Open issuer libraryPercentage change is current over prior comparable period, minus one. The liquidity median uses the retained dates above.
Free float, bid-ask depth, executable size and consensus stay absent until a source supports them.
Portable evidence
Take the record with its source trail attached.
Read the complete verification note
Market observations and company reporting periods are separate clocks. KCP does not use a price move to fill a missing filing, annualise a quarterly result, interpolate a missing close, or treat publicly held shares as verified tradable free float.
The retained DSE snapshot folder is a bounded evidence window, not a complete session archive. Its median describes only the snapshots listed here. Regional operating peers, valuation multiples and consensus would require a separately sourced comparison workflow and are not implied by this public page.
Information and education only, never investment, legal or tax advice, a recommendation, an offer or a solicitation.
08 · The product boundary
Public facts end here. The source trail does not.
Keep exploring verified DSE records in public, or enter the member workbench for scenarios, sensitivities and monitoring workflow.
Governance disclosureFounder/principal personal holdings
No personal position: Arthur George Kanza, KCP founder/principal, declares no holding in CRDB (CRDB Bank).
Effective 14 Aug 2026 · Policy →