TN CyberTech Investments Holdings Limited strengthened its balance sheet over the 10-month period ended December 31, 2025, as total assets rose 45% to ZiG6,8 billion, up from ZiG4,69 billion at February 28, 2025.
The growth was driven by a strategic pivot toward interest-earning holdings.
Cash and cash equivalents surged to ZiG2,64 billion, nearly a 93% increase from the prior year. The group’s banking subsidiary also reported higher balances with the Reserve Bank of Zimbabwe and other banks, increasing 76% to ZiG931,51 million and 119% to ZiG1,33 billion, respectively, reflecting a stronger liquidity position.
Deposits due to banks and customers for the period were recorded at ZiG4,55 billion, a significant increase from ZiG2,74 billion 10 months earlier.
“The group continued to strengthen its revenue mix, with interest income contributing 26% of total income, up from 20% last year,” CEO Tawanda Nyambirai said.
“This reflects a deliberate focus on expanding lending activities and growing interest-earning assets.”
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Net interest income grew to ZiG176,3 million, up from ZiG134,91 million, despite loans and advances slightly declining to ZiG849,69 million from ZiG881,88 million. Non-interest income remained robust at ZiG684,14 million, down marginally from ZiG697,76 million, underscoring the group’s commitment to financial inclusion and digital transaction services.
Nyambirai noted that modern banking success is no longer measured solely by accounts held but by the breadth of financial services accessed and the efficiency of transaction processing.
Efficiency ratios improved over the period, with operating costs declining 41% year-on-year, driving stronger cost-to-income and staff cost-to-income metrics.
Looking ahead, TN CyberTech plans to continue its hyperintegration strategy, leveraging partnerships with fintechs, mobile money providers, and payment aggregators, as well as offering blended financial solutions to corporates and SMEs to drive growth and shareholder value.
“This strategy will leverage partnerships across the local and global ecosystem, including fintechs, mobile money providers, and payment aggregators,” Nyambirai said.