NKOMBO KACHEMBA
Lusaka
INDO-ZAMBIA Bank (IZB) has recorded a strong financial performance for the year ended December 31, 2025, posting a profit after tax of K932.8 million while significantly strengthening its capital position.
The bank’s shareholders’ equity rose to K3.87 billion from K2.89 billion in 2024, underlining improved capitalisation and providing a solid buffer to support future growth and absorb potential economic shocks.
Speaking during the announcement of the 2025 financial results in Lusaka, board chairperson Michael Gondwe said the performance reflects resilience, disciplined execution, and a clear strategic focus despite a challenging macroeconomic environment.
The bank’s profit before tax increased to K1.35 billion from K1.04 billion in the previous year, driven by growth in both funded and non-funded income streams.
Total assets expanded by 30 percent to K27.0 billion, supported by a strong rise in the loan book to K10.19 billion from K6.54 billion in 2024, with lending targeted at key sectors such as agriculture, mining, manufacturing, energy and real estate.
Customer deposits, a key measure of public confidence, grew to K21.47 billion from K16.12 billion, reflecting sustained trust in the bank across its network.
Dr Gondwe said the bank remains strongly capitalised, with its Tier I capital ratio standing at 23.76 percent, well above the regulatory minimum of five percent, while the total capital ratio reached 24.33 percent against the required 10 percent.
“This solid capital position provides a strong platform to support future balance sheet growth, absorb shocks, and continue lending to support economic development,” he said.
Revenue performance was anchored by net interest income, which rose to K2.01 billion, while non-interest income remained robust, supported by
fees, commissions and trading income…https://enews.daily-mail.co.zm/welcome/home
