Operating Environment
The operating environment during the quarter ended 31 March 2026 remained relatively stable, supported by prudent fiscal and monetary policy measures aimed at preserving price and exchange rate stability. Exchange rate volatility remained subdued during the period, while inflationary pressures continued to be moderate, reflecting improved monetary discipline and relative macroeconomic stability.
Domestic economic prospects for 2026 remain positive, supported by improved activity across key productive sectors. Notwithstanding this positive outlook, the operating environment continues to be characterised by elevated levels of informality, evolving customer preferences and increasing demand for technology-driven financial solutions.
Against this backdrop, TN CyberTech Investments Holdings Limited (“the Group”) remained focused on strengthening its digital first operating model, enhancing operational efficiencies and supporting productive sectors of the economy, including agriculture and small to medium enterprises.
Financial Performance
The Group delivered strong financial performance during the quarter under review, supported by increased customer activity across digital channels, growth in interest earning assets and continued execution of its strategic initiatives.
Revenue for the quarter increased by 23% to ZWG263 million compared to the same period last year.
The cost to income ratio improved to 64%, from 70% in the prior year comparative period, reflecting continued operational efficiencies and disciplined cost management.
Total assets closed the period at ZWG7.2 billion, underpinned by a 23% growth in earning assets, while shareholders’ equity increased by 3% to ZWG1.5 billion.
Capital Position
The Group’s sole subsidiary, TN CyberTech Bank Limited (“the Bank”) remained adequately capitalised, with a capital adequacy ratio of 36.71% as at 31 March 2026, significantly above the regulatory minimum requirement of 12%.
The Bank’s strong capital position provides a solid foundation to support sustainable business growth while maintaining prudent risk management.
Outlook
The Group will continue to execute its hyper integration strategy through strategic partnerships, digital innovation and expanded market participation.
Key initiatives under implementation include the rollout of self service kiosks, Interactive Teller Machines (“ITMs”) and the development of an integrated cyber centre ecosystem aimed at improving accessibility, customer convenience and financial inclusion.
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.
By Order of the Board
TN CyberTech Investments Holdings Limited
Mr T. Nyambirai
Group Chief Executive Officer
15 May 2026
Registered Office:
19 Collins Avenue, Rolfe Valley, Chisipite, Harare, Zimbabwe.
