Group Chairman’s Statement
I am pleased to present the financial results of the TN CyberTech Investments Holdings Group for the ten months ended 31 December 2025. This has been a critical period for the Group as we focused on implementing our strategic vision, strengthening our footprint across the financial services industry, following the restructuring of the Group and its subsidiaries.
Despite a dynamic operating environment, the Group remained profitable during the period under review. This performance was supported by a favourable regulatory environment, strategic collaborations and the continued execution of an agile and technology driven strategy.
Change of the Holding Company’s Name
The Company changed its name from EcoCash Holdings Zimbabwe Limited to TN CyberTech Investments Holdings Limited with effect from 9 July 2025. The Company started trading on the Zimbabwe Stock Exchange under its new name on 11 July 2025. As part of the Group’s strategic repositioning, the Group’s subsidiary also underwent a rebranding exercise, with Steward Bank Limited changing its name to TN CyberTech Bank Limited. The name change reflects the Group’s evolving identity as a technology driven financial services institution and aligns the Bank’s brand with the broader strategic direction of the Group.
Balance Sheet Optimisation
During the period, the Group undertook a restructuring of part of its balance sheet aimed at converting value preserving assets to interest earning assets. As part of this initiative, the Group started disposal of residential properties in Ruwa Fairview through an innovative tokenisation model.
Through this initiative, the Group became one of the first institutions in Zimbabwe to implement property tokenisation, enabling fractional ownership of property. This model allows individuals to participate in property ownership with equity interests ranging from 25% to full ownership, thereby expanding access to property investment opportunities for Zimbabweans.
Executive Appointments
During the period, the Bank strengthened its executive leadership team through a number of key appointments. Mr Hazvinei Kapfunde was appointed Chief Executive Officer and Executive Director, while Mr Trevor Ramanzi was appointed Chief Finance Officer and Executive Director.
In addition, further appointments were made across operations, technology, human resources and business functions, enhancing the Bank’s leadership capacity to execute its strategic priorities.
Dividends
No dividends were declared during the period under review as the Group continues to prioritise capital preservation and growth initiatives.
On behalf of the Board
Dr Rev. Titus Murefu
Group Chairman of the Board
30 March 2026
