HARARE – FBC Holdings recorded a 69 percent increase in profit after tax to ZiG789.1 million for the year ended December 31, 2025, underpinned by robust expansion in its core income streams.
The diversified financial services group, which operates banking, insurance, and investment units, attributed the strong performance to growth in interest income, improved non-funded revenue, and disciplined cost management. Higher lending activity and strategic asset allocation also contributed to the earnings uplift, as the group capitalised on firm demand for credit across key sectors of the economy.
Net interest income rose significantly during the period, supported by an expanding loan book and improved margins in a high-interest-rate environment. Non-interest income — including fees, commissions, and trading income — also strengthened, reflecting increased transactional volumes and digital banking uptake.
FBC’s banking subsidiary remained a key earnings driver, benefiting from enhanced deposit mobilisation and prudent risk management, which helped contain non-performing loans. The group also reported steady contributions from its insurance and microfinance divisions, reinforcing its diversified revenue base.
In an environment characterised by currency volatility and inflationary pressures, the group maintained a strong capital position and liquidity buffers, positioning itself to navigate macroeconomic headwinds while pursuing growth opportunities.
Market analysts note that FBC’s performance reflects broader resilience within Zimbabwe’s financial sector, where institutions are leveraging digital transformation, cost optimisation, and balance sheet restructuring to sustain profitability.
Looking ahead, FBC Holdings is expected to focus on expanding its digital platforms, strengthening its balance sheet, and deepening financial inclusion as it seeks to maintain growth momentum in a challenging operating environment.
