Find out More

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

christina-wocintechchat-com-UTw3j_aoIKM-unsplash.jpg

Call Account

Let's Get Started

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. 


elizeu-dias-2EGNqazbAMk-unsplash.jpg

Civil Servant Loan

Access our Premium Forex Services

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.

christine-roy-ir5MHI6rPg0-unsplash.jpg

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

cdc-65_nbwiD3I4-unsplash.jpg

Linga Savings Account

Get Banked

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

derick-anies-hDJT_ERrB-w-unsplash.jpg

Personal Savings Account

Get Started

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.

christina-wocintechchat-com-tKYfcTaXsf0-unsplash.jpg

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

*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.

---

[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

Screenshot 2026-04-17 at 6.49.08 AM.png

Centenary Bank's Profits Jump 383% in Breakout 2025

We are proud to announce our partnership with PayChangu, a collaboration that brings simplicity, security, and convenience to the forefront of how customers pay for goods and services.

This strategic integration will allow customers to make instant online payments from any bank directly into business accounts — through a single, seamless API.

The bank's Managing Director Godfrey Byekwaso made the commitment in Lilongwe when, in partnership with mobile payment platform, PayChangu, launched an instant Direct Bank Transfer Application. 

He said through the bank's mission of transforming lives through inclusive, convenient, simplified, and sustainable financial solutions, they are expanding access to digital finance for more Malawians — wherever they are and whatever they earn.

Chief Executive Officer for Pay Changu, Morgan Tembo, said the launch of this application directly addresses one of the key obstacles that businesses have faced in Malawi for far too long—delayed settlements and restrictive banking corridors that slow down commerce and limit growth.

He said the application is also key in financial inclusion.

DSC_7866.jpg

Centenary Bank and PayChangu Partner to transform digital payments in Malawi

Centenary Bank Limited on Saturday supported the Catholic Women’s Organization in Zomba with financial support of K1,000,000 to go towards the construction of a University girl’s hostel during a fundraising that the women organized dubbed “Chilundu day”.

Speaking during the handover ceremony of the funds, Centenary Bank Limited’s Head of retail and SME Banking, Mayamiko Kalizang’oma said “we share your commitment to education and empowerment. We understand the importance of providing a safe and conducive space for learning, as it is the foundation upon which future generations can build successful and fulfilling lives. We believe that investing in the education of young women not only transforms their individual lives but also has a positive ripple effect on families, communities, and society as a whole”.

Kalizang’oma applauded the Zomba Catholic Women’s Organization for the initiative they take in various initiatives including promoting education, empowerment and the welfare of women.

Speaking after receiving the funds on behalf of the Zomba CWO, Chairlady of the organization expressed deep gratitude towards the bank for the support that the bank rendered amidst ululation from women in attendance of the function.

Centenary bank operates 14 branches, 3 micro-finance outlets, and over 250 agency banking outlets in Malawi, as well as three Foreign Exchange Bureaus located in Lilongwe and Limbe.

Keep your child. In school

About Centenary Bank

Microfinance Champion

Secure Investments

SME-Focused

Locate a Branch

Latest Press Releases

Centenary Bank's Profits Jump 383% in Breakout 2025

Centenary Bank and PayChangu Partner to transform digital payments in Malawi

Centenary Bank Limited Empowers Women and Supports Education at Chilundu Day Event

Calculate Your Loan

Skip the Queues and Bank Conveniently