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

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)

Balance Sheet at a Glance

In thousands of Malawi Kwacha (Consolidated)

The Economy We Grew In

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

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

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