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If you need an investment account that earns you attractive interests without giving away immediate access to your money, then a Centenary Bank Ltd.'s Call account is the best option to look at

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Call Account

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This loan product is tailor-made for civil servants from all Government ministries to help them realize their dreams where they have one but lack the financial capacity to do so. 


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Civil Servant Loan

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You can find Centenary Bank Bureau de Change located in multiple business units. In Limbe, they are situated within Aram Arcade Mall. In Lilongwe, you can visit their branches at Gateway Mall and Old Town, opposite the post office.

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Forex Services

The Linga Savings account has an embedded funeral plan that pays a lump sum/cash benefit on death of the insured person(s) to finance funeral related expenses

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Linga Savings Account

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An ordinary savings account allows you to start saving with as low as K1000, giving you a chance to build up on yout savings with time according to their earnings

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Personal Savings Account

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It can be very financially challenging for small-medium entrepreneurs to get their business off the ground. This is why Centenary SME loans were designed to help you have access to credit facilities in the form of an overdraft or a loan.

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SME Business Loan

We have become the largest lender to government employees, consolidating our position as the primary financial support provider for this esteemed group.

We are a Dealer of Government Securities, to help you grow your wealth.

Ranking

We asked customers if they could come up with a list of things they like about us, and how they would rank those things

Overall Service Quality

We are a modern financial institution that cuts the red tape and focuses on what you are looking for

Why Trust Us

Centenary Group and Huawei Uganda have signed a strategic partnership to accelerate digital transformation and financial inclusion across Uganda and Africa.

The partnership will focus on AI-driven banking, cybersecurity, data infrastructure, and innovative digital services to better serve millions of customers, especially in rural communities.

Together, we are shaping the future of smarter, more inclusive banking. 

Prof. John Ddumba Ssentamu  – Executive Chairman, Centenary Group and Paul Houpeiyong – MD Huawei Uganda sign the MOU as other Executive Members of both Centenary Group and Huawei look on..jpg

Centenary Group and Huawei Uganda Partner to Drive Digital Banking Innovation

On Friday, 8 May 2026, Centenary Bank donated sanitation materials to Mchinji District Council in support of the Presidential directive on sanitation.

The donated items included waste bins, gumboots, shovels and wheelbarrows, among others, to help improve cleanliness and sanitation in the district.

Mchinji District Commissioner Reinghard Chavula received the donation on behalf of the Council and thanked Centenary Bank for being the first institution to respond to the call.

“The contribution from Centenary Bank is a strong demonstration of partnership and corporate responsibility. We sincerely appreciate this support, as the sanitation materials provided will greatly enhance cleanliness efforts in our markets and public spaces,” said Chavula.

She said the donated materials will help improve waste management and keep markets and public places cleaner, leading to better health and safer trading environments for communities.

Centenary Bank Mchinji Branch Manager Faliot Amanzi said the Bank remains committed to environmental sustainability and protecting the environment for future generations.

He added that environmental stewardship continues to guide the Bank’s daily operations and long-term sustainability goals.

Chavula also encouraged other organisations to support government development initiatives, saying partnerships between the private sector and government are important in improving people’s lives.

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Centenary Bank supports sanitation drive in Mchinji

*Lilongwe, Malawi — 14 April 2026*

We are pleased to announce our audited results for the year ended 31 December 2025. It was our strongest year yet in Malawi — and the numbers speak for themselves.

## The Headlines

| Metric | 2024 | 2025 | Growth |
|---|---:|---:|---:|
| Total Assets | MWK 168 bn | **MWK 245 bn** | **+46%** |
| Customer Deposits | MWK 135 bn | **MWK 210 bn** | **+55%** |
| Total Income | MWK 28 bn | **MWK 51 bn** | **+84%** |
| Profit Before Tax | — | — | **+383%** |

Every major measure of our business grew. Most of them grew fast.

## Why This Matters

More Malawians are banking with us. More businesses are borrowing from us. And more of that activity is flowing back into the economy.

- **Deposits up 55%** — thousands more customers chose us as their financial home.
- **Loans nearly doubled** — from MWK 58 bn to MWK 111 bn, funding shops, farms, and small businesses across the country.
- **Earnings per share up 59%** — from 137 to 218 tambala.

## Profit & Loss at a Glance

*In thousands of Malawi Kwacha (Consolidated)*

| Line | 2024 | 2025 |
|---|---:|---:|
| Net interest income | 13,510,177 | **26,398,713** |
| Net fee & commission income | 8,513,790 | **15,951,601** |
| Total operating income | 27,788,088 | **51,214,993** |
| Profit for the year | 1,917,438 | **5,137,000** |
| Earnings per share (MWK) | 137 | **218** |

## Balance Sheet at a Glance

*In thousands of Malawi Kwacha (Consolidated)*

| Line | 2024 | 2025 |
|---|---:|---:|
| Total assets | 168,066,118 | **245,485,270** |
| Loans & advances to customers | 58,443,007 | **111,595,447** |
| Customer deposits | 135,199,337 | **209,688,558** |
| Total equity | 20,598,614 | **25,735,614** |

## The Economy We Grew In

Let's be honest: it was a tough year for Malawi.

| Indicator | 2025 |
|---|---:|
| Real GDP growth | ~1.7% |
| Average inflation | 28.4% |
| Monetary Policy Rate | 26.00% |
| Base lending rate (MWK) | 25.30% |

Forex was tight. Borrowing costs stayed high. Households felt the squeeze. That our customers kept saving, borrowing, and building with us through all of it means everything to us.

## Lending Carefully

Fast loan growth demands careful credit discipline. We have set aside appropriate provisions for sectors under pressure — notably agriculture and wholesale trade — and we continue to manage risk on an industry-by-industry basis. Growth today should not become a problem tomorrow.

## What's Next

Four priorities for 2026:

1. **Better customer experience** — at every branch, every app, every call.
2. **Faster digital banking** — simpler, quicker, always-on.
3. **Prudent growth** — more customers, tighter costs, sharper credit.
4. **Backing Malawi's engines** — SMEs, agriculture, and trade.

## Thank You

To our customers: thank you for trusting us with your money and your ambitions.
To our staff: these results are yours.
To the people of Malawi: we grow when you grow. Let's keep going.

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[Download the FULL Report here](https://cente.dartsmw.com/uploads/Financial_Report_December_2025_V2_7_4451bb4c4f.pdf)

*Audited by EY (Ernst & Young), unqualified opinion. Full financial statements available at our Head Office and at centenarybank.co.mw.*

**Centenary Bank — A member of the Centenary Group**
*Regulated by the Registrar of Financial Services. Deposits protected by the Deposit Insurance Corporation.*

📞 Toll-free: 358 | ✉️ info@centenarybank.co.mw

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Centenary Group and Huawei Uganda Partner to Drive Digital Banking Innovation

Centenary Bank supports sanitation drive in Mchinji

Centenary Bank Reports 383% Profit Growth in 2025

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