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KANZA CAPITAL PARTNERS · PUBLIC EVIDENCE RECORD

Mkombozi Commercial Bank

MKCB · DSE · market data as at 2026-09-10
CloseTZS 3,750+0.27% · DSE
Volume5,4812026-09-10 session
Traded valueTZS 20.5m2026-09-10 session
Market capitalisationTZS 88.3bnDerived board field
Total assetsTZS 332.9bnQ1 2026
Loans, advances and overdrafts, netTZS 203.4bnQ1 2026
Customer depositsTZS 260bnQ1 2026
Retained median volume1,86844 snapshots · not ADV
Domestic turnover rank#9 of 222026-09-10 DSE board
Largest disclosed holder29.5%Roman Catholic Church Dioceses and affiliated Institutions · 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/mkcb.

Public evidenceYou are here

Source facts stay open.

Price & liquidityReported financialsOwnershipFilings & dividends
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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+184.1% record change
Record change · -50% to +50% display range2025-07-25 to 2026-09-10 · verified DSE closes
02 · Earnings+26.7% net income
Annual change · -50% to +50% display rangeFY2024 → FY2025 · same reported series
03 · Balance15.5% equity / assets
Equity / assets · 0% to 100% display rangeFY2025 · issuer-reported balance sheet
04 · DividendTZS 100 proposed / share
Gross yield · 0% to 10% display rangeFY2025 · proposed · not a computed trailing yield
05 · Trading44/44 active snapshots
Active retained snapshots · 0% to 100% display range2026-07-10 to 2026-09-10 · 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 session2.9× retained median volume#9 of 22 by turnover · 2026-09-10Latest normalized reporting windowQ1 2026Total assets shown without comparison · Loans, advances and overdrafts, net shown without comparisonDividend evidenceTZS 100 per shareFY2025
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.

Volume5.5k2.9× retained medianTraded valueTZS 20.5m#9 of 22 by turnoverMarket capitalisationTZS 88.3bnDerived from verified close
Open the DSE source

Tradability evidence · bounded window

Volume varied sharply across the retained window.

This is a median across 44 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 2026-09-10Latest 2.9× retained median
2026-07-10: 3,589 shares at TZS 3,970; 2026-07-13: 2,357 shares at TZS 4,090; 2026-07-14: 470 shares at TZS 4,100; 2026-07-15: 2,209 shares at TZS 4,190; 2026-07-16: 2,172 shares at TZS 4,180; 2026-07-17: 2,735 shares at TZS 4,180; 2026-07-20: 1,743 shares at TZS 4,230; 2026-07-21: 626 shares at TZS 4,170; 2026-07-22: 2,630 shares at TZS 4,020; 2026-07-23: 2,057 shares at TZS 4,040; 2026-07-24: 2,820 shares at TZS 3,980; 2026-07-27: 1,609 shares at TZS 4,040; 2026-07-28: 1,838 shares at TZS 3,960; 2026-07-29: 1,077 shares at TZS 4,000; 2026-07-30: 1,308 shares at TZS 3,960; 2026-07-31: 699 shares at TZS 3,970; 2026-08-03: 349 shares at TZS 3,900; 2026-08-04: 1,373 shares at TZS 3,880; 2026-08-05: 4,666 shares at TZS 3,690; 2026-08-06: 1,711 shares at TZS 3,810; 2026-08-07: 1,336 shares at TZS 3,670; 2026-08-10: 2,692 shares at TZS 3,740; 2026-08-11: 1,285 shares at TZS 3,870; 2026-08-12: 556 shares at TZS 3,820; 2026-08-13: 1,437 shares at TZS 3,790; 2026-08-14: 2,079 shares at TZS 3,760; 2026-08-17: 3,963 shares at TZS 3,780; 2026-08-18: 4,185 shares at TZS 3,720; 2026-08-19: 1,897 shares at TZS 3,770; 2026-08-20: 2,280 shares at TZS 3,740; 2026-08-21: 788 shares at TZS 3,790; 2026-08-24: 3,776 shares at TZS 3,790; 2026-08-26: 1,141 shares at TZS 3,800; 2026-08-27: 4,646 shares at TZS 3,670; 2026-08-28: 2,678 shares at TZS 3,690; 2026-08-31: 1,076 shares at TZS 3,700; 2026-09-01: 1,412 shares at TZS 3,700; 2026-09-02: 1,475 shares at TZS 3,690; 2026-09-03: 1,503 shares at TZS 3,690; 2026-09-04: 2,809 shares at TZS 3,700; 2026-09-07: 1,839 shares at TZS 3,720; 2026-09-08: 2,996 shares at TZS 3,730; 2026-09-09: 3,729 shares at TZS 3,740; 2026-09-10: 5,481 shares at TZS 3,750retained median 1.9k2026-07-102026-09-10

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

Retained median volume1,86844 verified snapshots · not ADVLatest session volume rank#10 of 22Domestic board · same 2026-09-10 closeLatest turnover rank#9 of 220.3% of domestic traded value
Same-sector comparison10 classified peersAFRIPRISE, CRDB, DCB, DSE, MBP, MCB, 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 MKCB's verified close moved across the available public record?

MKCB verified close history

Window startTZS 1,32025 Jul 2025
Latest closeTZS 3,75010 Sep 2026
Window change+184.1%+TZS 2,430

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+184.1%
2025-07-25TZS 1,320
2026-09-10TZS 3,750
Recent recorded direction-3.1%

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

Roman Catholic Church Dioceses and affiliated Institutions is the largest disclosed holder at 29.5%.

  1. 01Roman Catholic Church Dioceses and affiliated Institutions29.5%
  2. 02Other Institutions9.67%
  3. 03Tanzania Episcopal Conference18.12%
  4. 04Individuals42.71%

The four reported categories reconcile exactly to 23,555,002 shares and 100%. This is the latest page-located complete structure retained in this review, but it is historical as at 31 December 2024.

Disclosure scopeCompleteFY2024 annual report · PDF page 5 · report by those charged with governance p. 4 · shareholding structure
Registered shareholdersNot stated hereSource-dated count only; no holder activity is inferred
Issued shares23,555,002Reported share count, not a liquidity measure
Latest session turnoverTZS 20.5m2026-09-10 DSE tape · not a typical-liquidity estimate
Open the ownership source · PDF page 5 · report by those charged with governance p. 4 · shareholding structure

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

38 indexedLatest DSE filing period 2025-12-31 · 5 normalized
02

Reported business evidence

Total assetsPrinted page 66 · Statement of financial position
03

Capital and governance record

6 retained items3 actions · 3 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.

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.

Public fundamentals · documentary record

What MKCB has reported

Reported figures are separated by period and audit state. Quarterly profit is not annualised; absent periods remain absent. Coverage is current through 13 Aug 2026. Editorial approval remains pending.

Total assets

TZS 318.2bn

Total assets · audited. Printed page 66 · Statement of financial position

Official source

As at · Source: 17th Annual General Meeting book

Customer loans, net

TZS 188.9bn

Loans and advances to customers · audited. Printed page 66 · Statement of financial position, note 22

Official source

As at · Source: 17th Annual General Meeting book

Customer deposits

TZS 242.9bn

Deposits due to customers · audited. Printed page 66 · Statement of financial position, note 30(b)

Official source

As at · Source: 17th Annual General Meeting book

Profit after tax

TZS 11.5bn

Profit after income tax · audited. Printed page 65 · Profit or loss statement

Official source

As at · Source: 17th Annual General Meeting book

Shareholders’ equity

TZS 49.3bn

FY2025 · audited. Printed page 66 · Statement of financial position

Net interest income

TZS 27.3bn

FY2025 · audited. Printed page 65 · Profit or loss statement

Earnings per share

TZS 486

FY2025 · audited. Printed page 65 · Profit or loss statement, note 18

NPL ratio

4.4%

FY2025 · audited. Printed page 52 · Directors' report, key performance indicators

How have MKCB's reported assets, customer loans and deposits changed across the retained documents?

Balance-sheet path

As at 31 Mar 2026 · Source: Mkombozi Commercial Bank Plc official disclosures. Exact values and method remain in the static evidence table below.

How did MKCB's audited net interest income and profit after tax change from FY2024 to FY2025?

Reported annual earnings

Audited annual results · TZS million

Prior year22,405 TZS millionFY2024
Latest year27,319.9 TZS millionFY2025
Year-on-year change+21.9%+4,914.9 TZS million

Audited annual observations only. Q1 2026 is intentionally excluded because an interim period is not comparable with a full financial year.

As at 31 Dec 2025 · Source: Mkombozi Commercial Bank Plc official disclosures. Exact values and method remain in the static evidence table below.

Corporate actions · as disclosed

Dividends and capital history

FY2024 dividend declared at TZS 92.40 per share

declared

Announced 19 May 2025. Register date 3 Jul 2025. Payment date 15 Aug 2025. PDF page 1 · dividend declaration notice

Open source

Board proposed an FY2025 dividend of TZS 100 per share

proposed

FY2025; exact announcement date not stated. Register date 21 Jul 2026. Payment date 28 Aug 2026. Printed page 91 · AGM agenda item 7

Open source

2021 rights issue added 2,939,730 ordinary shares issued at TZS 750

historical

2021; exact announcement date not stated. Printed page 86 · Share capital note 35; exact action date is not stated

Open source

“Proposed” is not promoted to “declared” or “paid” without a later documentary state. Unknown action dates remain unstated rather than being inferred.

Governance · documentary record

Board and assurance disclosures

board composition · FY2025

The board consisted of eight directors including the Managing Director. Other than the Managing Director, no director held an executive position.

Printed page 55 · Corporate governance

Open source

external auditor · FY2025

Ernst & Young audited the financial statements for the year ended 31 December 2025.

Printed page 63 · Independent auditor's report

Open source

board change · FY2025

Uphoo Swai and Robert Mtendamema retired on 26 July 2025 and were replaced by Damas Mugashe and Agnes Kitwanga.

Printed page 56 · Board meeting attendance note

Open source

Source library

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

44-snapshot windowRetained median volume 1,868 from 2026-07-10 to 2026-09-10. This bounded archive is not ADV and does not establish executable size.
02

Historical coverage

217 observationsAvailable from 2025-07-25 to 2026-09-10. Missing trading dates are not filled forward.
03

Filing vintage

38 official DSE filingsLatest normalized documentary date: 2026-05-04. 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 authorityMkombozi Commercial Bank Plc publications

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 MKCB (Mkombozi Commercial Bank).

Effective 14 Aug 2026 · Policy →