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KANZA CAPITAL PARTNERS · PUBLIC EVIDENCE RECORD

DCB Commercial Bank

DCB · DSE · market data as at 2026-09-10
CloseTZS 445-1.11% · DSE
Volume67,7752026-09-10 session
Traded valueTZS 30.2m2026-09-10 session
Market capitalisationTZS 85.3bnDerived board field
Retained median volume25,64543 snapshots · not ADV
Domestic turnover rank#5 of 222026-09-10 DSE board
Largest disclosed holder17.3%UTT-Asset Management and Investor's Services Plc · 2024-12-31

Market 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/dcb.

Public evidenceYou are here

Source facts stay open.

Price & liquidityReported financialsOwnershipFilings & dividends
Member workbench

Decision support begins behind the boundary.

Scenarios, sensitivities, monitoring questions and modelling workflow.

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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.

Public fundamentals profileFive independent lenses
01 · Market+190.3% record change
Record change · -50% to +50% display range2025-07-25 to 2026-09-09 · verified DSE closes
02 · EarningsSigned result · no % map
Annual change · -50% to +50% display rangeFY2024 → FY2025 · same reported series
03 · BalanceN/A
Equity / assets · 0% to 100% display rangeA same-period equity and assets pair is not retained
04 · DividendNo dividend declared
Gross yield · 0% to 10% display rangeFY2024 final · not-declared · not a computed trailing yield
05 · Trading43/43 active snapshots
Active retained snapshots · 0% to 100% display range2026-07-10 to 2026-09-09 · retained DSE sessions
Five independent scales, not an aggregate score. Change: −50% to +50%; balance/trading: 0 to 100%; gross yield: 0 to 10%. Edge values cap; missing facts stay open.
What changed
Latest verified observations
Latest market session3.8× retained median volume#5 of 22 by turnover · 2026-09-10Latest normalized reporting windowFY20257 comparable audited series · FY2025 and FY2024 comparativeDividend evidenceNo dividend declaredFY2024 final · not-declared
Evidence gaps
Kept null, not estimated
  • 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.
Open evidence limits Review verification method

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.

Volume67.8k3.8× retained medianTraded valueTZS 30.2m#5 of 22 by turnoverMarket capitalisationTZS 85.3bnDerived from verified close
Open the DSE source

Tradability evidence · bounded window

The latest session was exceptional, not typical.

This is a median across 43 retained DSE snapshots, not ADV. Missing dates are not treated as zero, and no bid-ask or executable-size claim is added.

Recorded volume · 2026-07-10 to 2026-09-09Latest 3.8× retained median
2026-07-10: 13,808 shares at TZS 495; 2026-07-13: 20,684 shares at TZS 470; 2026-07-14: 14,896 shares at TZS 475; 2026-07-15: 15,688 shares at TZS 485; 2026-07-16: 23,247 shares at TZS 480; 2026-07-17: 90,408 shares at TZS 450; 2026-07-20: 25,645 shares at TZS 475; 2026-07-21: 51,264 shares at TZS 475; 2026-07-22: 11,984 shares at TZS 480; 2026-07-23: 6,937 shares at TZS 485; 2026-07-24: 23,016 shares at TZS 475; 2026-07-27: 41,628 shares at TZS 455; 2026-07-28: 15,889 shares at TZS 445; 2026-07-29: 23,472 shares at TZS 465; 2026-07-30: 12,557 shares at TZS 460; 2026-07-31: 27,016 shares at TZS 450; 2026-08-03: 39,140 shares at TZS 455; 2026-08-04: 36,853 shares at TZS 425; 2026-08-05: 16,731 shares at TZS 425; 2026-08-06: 25,287 shares at TZS 425; 2026-08-07: 19,989 shares at TZS 420; 2026-08-10: 14,097 shares at TZS 410; 2026-08-11: 21,550 shares at TZS 400; 2026-08-12: 18,780 shares at TZS 405; 2026-08-13: 5,530 shares at TZS 420; 2026-08-14: 61,036 shares at TZS 465; 2026-08-17: 973,402 shares at TZS 530; 2026-08-18: 295,266 shares at TZS 600; 2026-08-19: 147,388 shares at TZS 625; 2026-08-20: 63,361 shares at TZS 555; 2026-08-21: 40,617 shares at TZS 505; 2026-08-24: 42,487 shares at TZS 485; 2026-08-26: 38,865 shares at TZS 495; 2026-08-27: 43,184 shares at TZS 460; 2026-08-28: 9,372 shares at TZS 465; 2026-08-31: 21,158 shares at TZS 475; 2026-09-01: 74,921 shares at TZS 490; 2026-09-02: 9,951 shares at TZS 485; 2026-09-03: 48,036 shares at TZS 480; 2026-09-04: 349,999 shares at TZS 490; 2026-09-07: 53,170 shares at TZS 480; 2026-09-08: 29,755 shares at TZS 460; 2026-09-09: 97,846 shares at TZS 450retained median 25.6k2026-07-102026-09-09

Linear scale. The final bar is intentionally allowed to dominate; compressing it would hide the scale of the latest-session break.

Retained median volume25,64543 verified snapshots · not ADVLatest session volume rank#4 of 22Domestic board · same 2026-09-09 closeLatest turnover rank#5 of 220.9% of domestic traded value
Same-sector comparison10 classified peersAFRIPRISE, CRDB, DSE, MBP, MCB, MKCB, MUCOBA, NICO, NMB, YETU share the Financials coverage classification; this is not a valuation peer set.
Open the DSE source behind every snapshot and rank

How has DCB's verified close moved across the available public record?

DCB verified close history

Window startTZS 15525 Jul 2025
Latest closeTZS 4509 Sep 2026
Window change+190.3%+TZS 295

As at 10 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.

Available-record change+190.3%
2025-07-25TZS 155
2026-09-09TZS 450
Recent recorded direction+9.8%

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 2024-12-31

UTT-Asset Management and Investor's Services Plc is the largest disclosed holder at 17.33%.

  1. 01UTT-Asset Management and Investor's Services Plc17.33%
  2. 02Umoja Unit Trust Scheme8.7%
  3. 03National Health Insurance Fund7.36%
  4. 04Dar es Salaam City Council6.28%
  5. 05Ilala Municipal Council4.83%
  6. 06Kinondoni Municipal Council3.45%
  7. 07Temeke Municipal Council2.1%
  8. 08Regular Income Unit Trust Scheme1.95%
  9. 09Ubungo Municipal Council1.77%
  10. 10Kigamboni Municipal Council1.4%
  11. 11Children's Career Plan Unit Trust Scheme0.49%
  12. 12Other 8,186 shareholders44.34%

The table reconciles to 162,992,488 issued shares, 8,197 shareholders and 100%.

Disclosure scopeCompleteFY2024 annual report · PDF page 43 · shareholders of the bank
Registered shareholders8,197Source-dated count only; no holder activity is inferred
Issued shares162,992,488Reported share count, not a liquidity measure
Latest session turnoverTZS 30.2m2026-09-10 DSE tape · not a typical-liquidity estimate
Open the ownership source · PDF page 43 · shareholders of the bank

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.

01

Official disclosures

48 indexedLatest DSE filing period 2025-12-31 · 1 normalized
02

Reported business evidence

Total assets: TZS 260.8bnFY2025 and FY2024 comparative · PDF p. 1
03

Capital and governance record

1 retained items1 actions · 0 governance disclosures
04

Listed market record

DSE-verified session2026-09-10 · DSE verified close
Market classificationBanks, Finance & Investment

Constituents 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.

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.

Total assetsTZS 260.8bnFY2024 TZS 259.1bn -> FY2025 TZS 260.8bn
Net loans and advancesTZS 133.3bnFY2024 TZS 132.4bn -> FY2025 TZS 133.3bn
Customer depositsTZS 150.5bnFY2024 TZS 152.0bn -> FY2025 TZS 150.5bn
Net interest incomeTZS 15.3bnFY2024 TZS 13.0bn -> FY2025 TZS 15.3bn
Net income after tax−TZS 635mFY2024 −TZS 969m -> FY2025 −TZS 635m
Basic earnings per shareTZS -3.3FY2024 TZS -5.9 -> FY2025 TZS -3.3
Non-performing loans / gross loans6.0%FY2024 5.0% -> FY2025 6.0%
Capital return record

Dividend state, not just a number.

Evidence exceptions · 1
information · controlledThe FY2024 annual report explicitly states that no dividend was proposed.

The record is represented as not declared, not as a numeric zero dividend.

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.

01

Session liquidity

43-snapshot windowRetained median volume 25,645 from 2026-07-10 to 2026-09-09. This bounded archive is not ADV and does not establish executable size.
02

Historical coverage

216 observationsAvailable from 2025-07-25 to 2026-09-09. Missing trading dates are not filled forward.
03

Filing vintage

48 official DSE filingsLatest normalized documentary date: 2025-12-31. The complete DSE register is indexed separately; reporting periods remain distinct from market dates.
04

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.

01 · Market authorityDar es Salaam Stock Exchange

Close, session direction, volume and turnover use the dated DSE board. Retained snapshots stay date-bound.

Open DSE source 02 · Issuer authorityDCB Commercial Bank Plc financial reports

The 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 library
03 · CalculationsExact periods, labelled changes

Percentage change is current over prior comparable period, minus one. The liquidity median uses the retained dates above.

04 · Missing evidenceNull beats estimates

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 DCB (DCB Commercial Bank).

Effective 14 Aug 2026 · Policy →