Full reports carry every ranking, ratio and institution deep dive. Summaries give you the headline dashboard in a few pages. Both are free.
The complete review of Zambia's seven deposit-taking microfinance institutions: sector dashboard, P&L and balance sheet rankings, wallet share, ratio analysis and a one-page scorecard for each institution.
The headline pages only: industry dashboard, comparative rankings across profit, revenue, deposits and loans, and the peer ratio table.
The flagship review of Zambia's commercial banks: executive summary, industry overview, leader board, peer-to-peer ratios, income sources, funding, growth rankings and a deep dive on every bank.
Headline results in eight pages: profit, revenue, deposits and loans, key annualised ratios, the top five banks by profit and the industry leader board.
A taste of what each review covers. Amounts in Zambian kwacha.
| Industry profit after tax | K302M | +8.2% |
|---|---|---|
| Industry profit before tax | K459M | +14.8% |
| Industry revenue | K1,063M | +14% |
| Industry deposits | K3,488M | +32% |
| Industry gross loans | K7,456M | +11% |
| Cost-to-income ratio | 57% | |
| Return on equity | 19% |
| Profit after tax | K2.6bn | +3.9% |
|---|---|---|
| Revenue | K8.0bn | +8.7% |
| Profit before tax | K3.8bn | +3.7% |
| Deposits | K220bn | +3.2% |
| Loans & advances | K97bn | +17.9% |
| Return on equity (annualised) | 25% | |
| Cost-to-income ratio | 53% |
Each review draws on prudential reporting and other publicly available financial disclosures. We standardise every institution's P&L and balance sheet so they can be ranked side by side.
Yes. Every full report and executive summary on this site is free. Enter your email address and country once and the PDF downloads straight to your device.
Full reports contain every section of the review, including institution-by-institution deep dives and detailed ratio tables. Summary reports are short executive editions with the industry dashboard, headline rankings and key ratios.
The banking review covers all licensed commercial banks in Zambia. The DTMFI review covers seven deposit-taking microfinance institutions: Bayport, Micro Finance Zambia, LOLC Finance Zambia, EFC, Vision Fund Zambia, FINCA and Mfinance.
Reviews are compiled from prudential returns and other publicly available financial disclosures deemed reliable at the time of publication. Ratios marked as annualised are scaled from quarterly results.
Quarterly. The banking and microfinance reviews are each released after the quarter's published financial statements become available.
We run the same data pipeline behind these reports for your board, ALCO and management packs, refreshed on your schedule.
