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CRDB Bank Plc, headquartered in Dar es Salaam, is Tanzania’s largest commercial bank by total assets and customer base. Founded in 1996, it has grown into a regional banking giant with subsidiaries in Burundi and the Democratic Republic of Congo (DRC).
In 2025, CRDB continues to offer a wide range of financial services, including personal banking, SME loans, corporate financing, and digital banking products. But what sets it apart is not only its services—but the people and institutions behind it.
As of December 31, 2024, CRDB Bank has over 33,000 shareholders, ranging from institutional investors and pension funds to everyday Tanzanians. The top shareholders hold over 50% of the bank’s equity, giving them significant influence over decision-making.
Shareholder | Ownership Percentage |
---|---|
Danida Investment Fund (DIF) | 21.0% |
PSSSF Pension Fund | 13.3% |
NSSF Uganda | 7.5% |
Hans Aingaya Macha (Individual) | 1.3% |
Zanzibar Social Security Fund (ZSSF) | 1.6% |
National Health Insurance Fund (NHIF) | 1.2% |
Umoja Unit Trust Scheme | 1.2% |
CMG Investment Ltd | 1.1% |
Other 33,000+ shareholders | 42.5% |
A Danish development finance institution supporting inclusive economic growth in Tanzania. DIF influences ESG policies and long-term financial planning.
Tanzania’s public pension manager ensures CRDB aligns with national development and stable pension returns.
NSSF Uganda’s cross-border investment reflects confidence in CRDB’s profitability and regional expansion strategy.
Focused on Zanzibar’s social safety net, ZSSF invests in CRDB for long-term financial returns.
Uses investment to strengthen reserve funds and improve national healthcare financial sustainability.
This collective fund allows thousands of Tanzanians to own a stake in CRDB through pooled investments.
A strategic local investor interested in financial and technological innovation.
One of the largest individual Tanzanian investors, reflecting local trust and financial patriotism.
Over 55% of CRDB shares are held by institutions. This guarantees:
Meanwhile, 33,000+ individual shareholders hold the remaining 45%, making CRDB a truly public bank that empowers Tanzanian citizens.
The shareholder makeup of CRDB influences:
Large institutional investors ensure that CRDB operates at a high level of transparency, compliance, and accountability.
CRDB Bank reported a profit after tax of TZS 551 billion in FY2024, up 30% from the previous year.
CRDB remains one of the most attractive dividend stocks on the Dar es Salaam Stock Exchange.
With strategic shareholder backing, CRDB is well-positioned for sustainable growth in East Africa’s financial sector.
In 2025, CRDB Bank is not just Tanzania’s financial leader—it’s a reflection of trust and strategic alignment between local, regional, and international investors. The shareholders of CRDB—especially giants like DIF, PSSSF, and NSSF Uganda—are helping to shape a stable, inclusive, and tech-forward banking environment in Tanzania.
Whether you’re an investor, policy analyst, or banking professional, understanding CRDB Bank’s shareholder structure in 2025 is essential to grasping the bank’s role in the region’s economic future.
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