KANZA CAPITAL PARTNERS · PUBLIC EVIDENCE RECORD
CRDB Bank
CRDB · DSE · market data as at 2026-10-23Market 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.
Kwa taarifa na elimu pekee; si ushauri, pendekezo wala ofa. Imechapishwa kutoka https://kanzacapitalpartners.com/companies/crdb-bank.
CRDB · Ndani ya nchi · Fedha
CRDB Bank
TZS 2,900■ 0.00%
Bei ya kufungwa ya CRDB iliyothibitishwa imebadilikaje katika rekodi ya umma inayopatikana?
CRDB ilipanda 2.8% katika mwezi hadi 23 Okt 2026
Bei ya kufungwa ya kila siku · TZS kwa hisa. Mstari huhifadhi tarehe zilizorekodiwa na haukadiri vipindi vinavyokosekana.
Kumbukumbu ina bei 247 za kufungwa zilizorekodiwa kuanzia 2025-07-25 hadi 2026-10-23. Tarehe za biashara zinazokosekana hubaki kuwa mapengo. Mabadiliko ya bei ya kufungwa hayajumuishi gawio, gharama wala ukwasi.
Kufikia 23 Okt 2026 · Chanzo: Dar es Salaam Stock Exchange (DSE), via MCL market platform daily export (market.mcl.co.tz). Thamani kamili na mbinu zinabaki katika jedwali la ushahidi tuli lililo hapa chini.
Anza hapa
Viashiria vitano kabla ya maelezo ya kina.
Kila mstari hutumia kipimo chake kilichowekwa wazi. Ukweli usiopatikana hauonyeshwi kama kiwango. Hivi ni viashiria vya maelezo; si alama, cheo dhidi ya kampuni nyingine, utabiri wala pendekezo.
- Tofauti ya bei za kununua na kuuza na kiasi kinachoweza kufanyiwa biashara havijathibitishwa.
- Uainishaji wa umiliki wa umma hauchukuliwi kama hisa zinazoweza kuuzwa sokoni.
- Mabadiliko ya msingi wa uhasibu yanaendelea kuonekana; vipindi havibadilishwi kimya kimya.
- Muktadha wa sekta unahusu alama za kampuni zilizothibitishwa zinazoonyeshwa pekee.
Muhtasari wa taarifa za kampuni na viungo vya rekodi
Muhtasari kwa mwekezaji
CRDBNdani ya nchiFedha
CRDB Bank
Anza na matokeo ya karibuni ya mtoaji yaliyosanifishwa, kisha yalinganishe na rekodi ya soko ya DSE iliyothibitishwa pamoja na nyaraka zake.
Chunguza rekodi kamili ya kampuni
Ukweli wenye chanzo unabaki wazi.
Usaidizi wa maamuzi huanza nyuma ya mpaka.
Matukio, unyeti, maswali ya ufuatiliaji na mchakato wa uundaji wa modeli.
Gundua ufikiaji wa wanachamaRekodi ya soko
Bei ya kufungwa tayari imeonyeshwa hapo juu. Hizi ni taarifa nyingine za kipindi.
Kila takwimu hapa chini inahusu kipindi kilekile cha DSE kilichothibitishwa. Inaeleza biashara iliyorekodiwa; haithibitishi ukwasi wa kawaida wala mwelekeo wa baadaye.
Ushahidi wa biashara · kipindi chenye mipaka
Idadi ya hisa zilizofanyiwa biashara ilibadilika sana katika kipindi kilichohifadhiwa.
Hii ni idadi ya kati katika rekodi 74 za DSE zilizohifadhiwa, si ADV. Tarehe zinazokosekana hazichukuliwi kuwa sifuri; hakuna dai kuhusu tofauti ya bei za kununua na kuuza wala kiasi kinachoweza kufanyiwa biashara.
Kipimo cha kuonyesha cha kilogarithimu. Kila nguzo inabaki katika mpangilio wa tarehe; idadi kamili ya hisa za kila kipindi inapatikana kwenye kila nguzo na rekodi ya chanzo.
03 · Descriptive reading
Mitazamo mitatu ya rekodi ileile.
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
Kipindi kilichothibitishwa na DSEBei ya kufungwa ya 2026-10-23 · DSE verifiedKampuni zilizojumuishwa zimeainishwa na KCP kwa aina ya biashara. Dar es Salaam Stock Exchange huchapisha kiwango cha faharasa ya BI (kilichoonyeshwa hapo juu na kuthibitishwa dhidi ya DSE), lakini haichapishi jedwali la kampuni zake; hivyo upangaji huu ni wa KCP, si uthibitisho wa uanachama wa faharasa ya DSE.
Matokeo ya sasa yaliyoripotiwa · ushahidi wa chanzo
Takwimu za Q1, Q2 na nusu mwaka; bila kuchanganya vipindi.
Takwimu za kundi kutoka taarifa za mtoaji zisizokaguliwa za CRDB Bank Plc. Ulinganisho wa robo pekee, limbikizo na thamani za tarehe maalum unatenganishwa; kila thamani inaunganishwa na PDF iliyohifadhiwa pamoja na ukurasa wake.
Q1 mwaka hadi mwakaQ1-2025 → Q1-2026
Robo inayojitegemea; kundi; takwimu za mtoaji zisizokaguliwa.
| Kipimo | Q1-2025 | Q1-2026 | Mabadiliko |
|---|---|---|---|
| Mapato ya riba | TZS 428.6bn | TZS 564.0bn | +31.6% |
| Interest expense | TZS 120.5bn | TZS 175.2bn | +45.4% |
| Mapato halisi ya riba | 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% |
| Faida kabla ya kodi | TZS 254.2bn | TZS 297.6bn | +17.1% |
| Faida baada ya kodi | TZS 173.4bn | TZS 206.2bn | +18.9% |
| Faida ya msingi kwa kila hisa | 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 mwaka hadi mwakaQ2-2025 → Q2-2026
Robo inayojitegemea; kundi; takwimu za mtoaji zisizokaguliwa.
| Kipimo | Q2-2025 | Q2-2026 | Mabadiliko |
|---|---|---|---|
| Mapato ya riba | TZS 475.2bn | TZS 615.0bn | +29.4% |
| Interest expense | TZS 140.7bn | TZS 210.7bn | +49.7% |
| Mapato halisi ya riba | 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% |
| Faida kabla ya kodi | TZS 245.7bn | TZS 296.6bn | +20.7% |
| Faida baada ya kodi | TZS 173.0bn | TZS 210.7bn | +21.7% |
| Faida ya msingi kwa kila hisa | 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 |
Mizania tangu MachiQ1-2026 → Q2-2026
Mizania ya kundi na viashiria vya mikopo katika tarehe maalum; safu zote mbili zimechapishwa katika waraka wa Q2 wa mtoaji.
| Kipimo | Q1-2026 | Q2-2026 | Mabadiliko |
|---|---|---|---|
| Jumla ya mali | TZS 23.89tn | TZS 26.40tn | +10.5% |
| Mikopo na malipo ya awali, baada ya makato | TZS 14.66tn | TZS 16.96tn | +15.7% |
| Amana za wateja | 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% |
| Mikopo chechefu / jumla ya mikopo | 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 |
Nusu ya kwanza mwaka hadi mwakaH1-2025 → H1-2026
Matokeo limbikizi ya kundi ya miezi sita; takwimu za mtoaji zisizokaguliwa.
| Kipimo | H1-2025 | H1-2026 | Mabadiliko |
|---|---|---|---|
| Mapato ya riba | TZS 903.8bn | TZS 1.18tn | +30.4% |
| Interest expense | TZS 261.2bn | TZS 385.9bn | +47.7% |
| Mapato halisi ya riba | 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% |
| Faida kabla ya kodi | TZS 499.8bn | TZS 594.2bn | +18.9% |
| Faida baada ya kodi | TZS 346.5bn | TZS 416.9bn | +20.3% |
| Faida ya msingi kwa kila hisa | 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.
Mwenendo ulioripotiwa · ushahidi wa chanzo
Vipindi viwili, chanzo kimoja kilichohifadhiwa, bila kuchanganya misingi.
Chagua kipimo kulinganisha matokeo ya kundi ya vipindi vinavyofuatana yaliyochapishwa katika chanzo kilekile kilichohifadhiwa. Hali ya ukaguzi inaendelea kuonekana. Hii ni historia iliyoripotiwa, si utabiri wala alama ya ubora.
Hali ya gawio, si namba pekee.
Vighairi vya ushahidi · 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
Mambo ambayo ukurasa huu hauwezi kuthibitisha.
Trust is not the absence of uncertainty. It is the discipline of showing exactly where the evidence becomes thin.
Session liquidity
74-snapshot windowRetained median volume 583,889 from 2026-07-10 to 2026-10-23. This bounded archive is not ADV and does not establish executable size.Historical coverage
247 observationsAvailable from 2025-07-25 to 2026-10-23. Missing trading dates are not filled forward.Ukaribuni wa nyaraka
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
BIKampuni zilizojumuishwa zimeainishwa na KCP kwa aina ya biashara. Dar es Salaam Stock Exchange huchapisha kiwango cha faharasa ya BI (kilichoonyeshwa hapo juu na kuthibitishwa dhidi ya DSE), lakini haichapishi jedwali la kampuni zake; hivyo upangaji huu ni wa KCP, si uthibitisho wa uanachama wa faharasa ya DSE.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.
Kwa taarifa na elimu pekee; si ushauri wa uwekezaji, kisheria au kodi, pendekezo, ofa wala mwaliko wa kufanya muamala.
08 · The product boundary
Ukweli wa umma unaishia hapa. Mlolongo wa vyanzo unaendelea.
Keep exploring verified DSE records in public, or enter the member workbench for scenarios, sensitivities and monitoring workflow.
Taarifa ya utawalaUmiliki binafsi wa mwanzilishi/mkuu
Hakuna nafasi binafsi: Arthur George Kanza, mwanzilishi na mkuu wa KCP, ametangaza kwamba hana nafasi binafsi katika CRDB (CRDB Bank).
Inatumika tangu 14 Aug 2026 · Sera →