TN CyberTech Investments Holdings Limited (TNCIH) says it will intensify its digital-first banking strategy in FY2026 through strategic partnerships, digital innovation and wider market participation as it seeks to strengthen operational efficiency and expand financial inclusion.
The group said it would continue executing its hyper-integration strategy, anchored on automated technologies, artificial intelligence and extensive digital networks that replace traditional human-to-human banking interactions.
The strategy is being supported by a stronger balance sheet, with total assets closing the first quarter at ZiG7,2 billion, driven by a 23% increase in earning assets.
Against this backdrop, TNCIH said it remained focused on strengthening its digital-first operating model while supporting productive sectors of the economy, particularly agriculture and small-to-medium enterprises.
“The group will continue to execute its hyper integration strategy through strategic partnerships, digital innovation and expanded market participation,” TNCIH said in its trading update for the quarter ended March 31, 2026.
“Key initiatives under implementation include the rollout of self-service kiosks, interactive teller machines and the development of an integrated cyber centre ecosystem aimed at improving accessibility, customer convenience and financial inclusion.”
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The group’s banking subsidiary, TN CyberTech Bank Limited, remained adequately capitalised during the period, posting a capital adequacy ratio of 36,71%, well above the regulatory minimum requirement of 12%.
TNCIH said the strong capital base positions the bank to support sustainable growth while maintaining prudent risk management practices.
“Supported by a strong capital base, improving macroeconomic stability and continued investment in digital capabilities, the group remains well positioned to sustain growth, strengthen its competitive positioning and deliver long-term value to shareholders,” the group said.
The group posted strong financial performance in the first quarter, underpinned by rising customer activity across digital channels, growth in interest-earning assets and continued execution of strategic initiatives.
Revenue for the quarter rose 23% to ZiG263 million compared to the same period last year, while the cost-to-income ratio improved to 64% from 70%, reflecting enhanced operational efficiencies and disciplined cost management.
TNCIH said the domestic economic outlook for 2026 remained positive, supported by improving activity across key productive sectors.
However, it noted that the operating environment continued to face challenges including high levels of informality, shifting customer preferences and growing demand for technology-driven financial solutions.