🌍 Introduction - About CRDB Bank Plc

CRDB Bank Plc stands tall as one of Tanzania’s largest and most trusted financial institutions, known for its strong market leadership, customer focus, and consistent profitability. Established in 1996 and headquartered in Dar es Salaam, CRDB has become synonymous with banking innovation, digital transformation, and inclusive finance across the region.

The bank operates through a network of more than 260 branches, over 4,400 employees, and a growing presence in East Africa, including subsidiaries in Burundi and CRDB Bank Foundation initiatives that focus on empowering small and medium enterprises (SMEs).

As of June 30, 2025, CRDB Bank Plc continues to reinforce its dominance in Tanzania’s financial landscape with robust growth in assets, deposits, and profitability—fueled by both retail and corporate banking strength and a diversified portfolio that includes Albarakah Islamic Banking, digital channels, and sustainable finance.

📊 CRDB Bank Q2 2025 Financial Highlights

CRDB Bank’s Q2 2025 results, published in accordance with the Banking and Financial Institutions (Disclosures) Regulations, 2014, showcase another period of remarkable performance. The bank achieved growth across all major financial indicators — from assets and deposits to profits and shareholder value.

These figures underscore CRDB’s ability to maintain sustainable growth, enhance shareholder value, and deliver consistent returns despite macroeconomic challenges.

💼 Understanding the CRDB PLC Bank’s Financial Position

🧾 Total Assets - Expanding to TZS 19.71 Trillion

CRDB Bank’s total assets increased by 32% year-on-year, reaching TZS 19.71 trillion in June 2025 compared to TZS 14.97 trillion in June 2024. This growth was driven primarily by:

• Higher customer deposits and retained earnings
• Increased lending activity to corporate and retail customers
• A rise in government securities and interbank loans

Asset growth demonstrates CRDB’s ability to scale operations effectively while maintaining liquidity and profitability.

💰 CRDB Bank PLC Liabilities and Deposits [Customer Confidence at an All-Time High]

CRDB’s total liabilities stood at TZS 17.32 trillion in Q2 2025, up from TZS 15.28 trillion in Q1 2025. This rise was largely supported by strong customer deposit inflows, which grew 16.7% quarter-on-quarter.

This growth reflects trust and confidence from customers, both corporate and individual, who increasingly choose CRDB for deposits and savings.
The slight decrease in borrowings indicates efficient capital management and reduced reliance on external funding.

🏦 CRDB Bank PLC Shareholders’ Funds and Capital Strength

CRDB Bank’s total shareholders’ funds rose modestly to TZS 2.39 trillion in June 2025, compared to TZS 2.17 trillion at the end of 2024. The improvement was supported by strong retained earnings, profit growth, and stable dividend policy.

With a capital adequacy ratio of 12.1%, CRDB remains well-capitalized and financially resilient, meeting regulatory standards and supporting future expansion.

📈 Profitability Analysis [CRDB Bank’s Earnings Momentum]

CRDB Bank Plc reported impressive profitability for Q2 2025, underscoring the strength of its business model and ability to navigate changing market conditions.

💹 Non-Interest Income Breakdown

The surge in fee and commission income underscores CRDB’s dominance in digital payments, agency banking, and cross-border transactions, while strong forex performance reflects Tanzania’s expanding trade and currency flows.

💼 Operating Efficiency and Cost Control

Although costs rose moderately, revenue growth outpaced expense growth, leading to a lower cost-to-income ratio (43%) — a clear sign of operational efficiency.

💧 Cash Flow Analysis

Operating Activities

Investing and Financing Activities

CRDB closed Q2 2025 with TZS 3.48 trillion in cash, up from TZS 2.85 trillion, ensuring ample liquidity.

📈 Key Financial Ratios for CRDB Bank PLC

🕌 Albarakah Islamic Banking Division

Albarakah’s assets rose to TZS 279.6 billion, with deposits surging 63.5% to TZS 287 billion, confirming CRDB’s leadership in Shariah-compliant finance.

💬 CRDB Bank PLC Management Commentary

“Our strong Q2 2025 results reflect our unwavering commitment to excellence, customer trust, and strategic innovation. We are confident that CRDB Bank will continue leading Tanzania’s financial transformation.”
— Mr. Abdulmajid M. Nsekela, Group CEO & Managing Director

Strategic Focus

• Accelerate digital banking transformation
• Expand green and inclusive finance
• Strengthen cross-border operations
• Maintain credit quality and compliance

🌟 Economic Impact

CRDB’s growth contributes significantly to Tanzania’s economy by:

• Boosting SME lending and industrial financing
• Enhancing employment opportunities
• Increasing tax contributions and dividends
• Promoting financial inclusion and digital access

📊 Summary Table - CRDB Bank Q2 2025 at a Glance

🏁 Conclusion - CRDB Bank Plc – Tanzania’s Financial Powerhouse

CRDB Bank Plc’s Q2 2025 results reaffirm its position as Tanzania’s most profitable and customer-centric financial institution.
With strong asset growth, expanding deposits, and healthy profitability, the bank continues to outperform the market while maintaining transparency and regulatory compliance.

Its balance of traditional and digital banking, Islamic and conventional finance, and profitability with social responsibility makes CRDB a benchmark for the East African banking industry.

Click here to download CRDB Bank Plc Q2 2025 Financial Results