Zimbabwe
| Name of Group/ Company | CBZ Holdings Limited | |||||||||||
| Nature of Operations | Diversified financial services group listed on the Zimbabwe Stock Exchange (ZSE) since 1998, operating across banking, insurance, investments and agribusiness. Strategic clusters: Banking (CBZ Bank, Red Sphere Finance - Micro Finance), Insurance (CBZ Life, CBZ Insurance, CBZ Risk Advisory Services), Agro Business (CBZ Agro-Yield), and Investment (DATVEST/CBZ Asset Management, CBZ Properties, CBZ Asset Management (Mauritius), CBZ Capital). | |||||||||||
| Products and services offered | Banking: Retail, Corporate & Merchant Banking, Electronic Banking & Card Services, Mortgage Finance, Agri-business Financing, Advisory, Asset Finance, Wealth Management, Treasury, Trade Finance & International Banking, Custodial Services. Insurance: Funeral, Credit Life, Term Life (CBZ Life); Motor, Property, Travel, Casualty/Accident/Health, Marine, Business Package, Liability (CBZ Insurance); Short-Term Insurance Broking, Captive Management, Claims Management, Risk Advisory, Employee Benefits, Pension Advisory, Healthcare Consulting (CBZ Risk Advisory Services). Investments: Pension Fund/Private Client Portfolio Management, Fixed Income, Property & Unit Trust Investments, Investment Advisory (DATVEST); Property Development, Project Management, Sales, Valuations (CBZ Properties); Structuring, Financing & Capital Raising, Strategic Partnerships, Transaction Advisory (CBZ Capital). Agribusiness: Agriculture Financing, Mechanisation, Import/Export Facilitation, Commodity Trading, Input Financing, Agronomy Support (CBZ Agro-Yield). Digital: Ziki Ecosystem, CBZ Paylink, CBZ Touch, CBZ Paycare, Internet Banking, Debit/Credit Cards, POS, E-Commerce, Agency Banking, Remittances. | |||||||||||
| Markets served | Primarily Zimbabwe (retail, commercial, SME, agricultural and public-sector customers). Regional expansion begun in 2025: General Insurance presence established in South Africa; Risk Advisory presence established in Botswana. | |||||||||||
| Market Share as reported | Deposits market share: 20.30%. POS market share (USD): 28%. POS market share (ZWG): 35%. Total assets market share: 19.1%. | |||||||||||
| Listings | Zimbabwe Stock Exchange (ZSE) -CBZH Listed 1998 | |||||||||||
| Corporate Information Item | Details |
| Country of Incorporation | Zimbabwe |
| Company Website | www.cbz.co.zw |
| Company Email | info@cbz.co.zw |
| Official Social Media | Facebook, X (Twitter), Instagram, LinkedIn, TikTok, WhatsApp |
| Registered Address | 5 Campbell Road, Pomona, Borrowdale, Harare, Zimbabwe |
| Postal Address | NR |
| Telephone | (263-242) 748 050 - 79 |
| Branches | 35 Bank Branches; 59 ATMs; approximately 22,000 POS machines |
| Workforce | 1,180 employees (total staff complement) |
| List of Principal Bankers as per most recent reporting | NR |
| List of Lawyers as per most recent reporting | Mawere & Sibanda Legal Practitioners, 3rd Floor Chiyedza House, 1st Street/Kwame Nkrumah Avenue, P.O. Box CY 1376, Causeway, Harare, Zimbabwe |
| Shareholder name | Percentage | Reporting Date |
| National Social Security Authority | 23.48% | 31 December 2025 |
| Akribos Wealth Managers Nominees | 18.35% | 31 December 2025 |
| Mutapa Investment Fund | 17.68% | 31 December 2025 |
| Libyan Foreign Bank (New Non Resident) The | 15.53% | 31 December 2025 |
| Public Service PF | 9.86% | 31 December 2025 |
| Datvest Nominees (Pvt) Ltd | 6.96% | 31 December 2025 |
| Stanbic Nominees (Pvt) Ltd | 0.96% | 31 December 2025 |
| QuantAfrica Wealth Management | 0.81% | 31 December 2025 |
| Makomo Engineering Pvt Ltd | 0.49% | 31 December 2025 |
| Remo Investment Brokers (Pvt) Ltd | 0.31% | 31 December 2025 |
| Other Shareholders | 5.57% | 31 December 2025 |
| Subsidiary | Shareholding held | Purpose |
| CBZ Bank Limited | 100% | Commercial banking and mortgage financing |
| CBZ Life Limited | 100% | Long term insurance |
| CBZ Risk Advisory Services (Private) Limited | 100% | Insurance broking and Advisory services |
| CBZ Asset Management (Private) Limited t/a DATVEST | 100% | Fund management and advisory services |
| CBZ Insurance (Private) Limited | 98.4% | Short term insurance |
| CBZ Properties (Private) Limited | 100% | Property ownership, development and management |
| Red Sphere Finance (Private) Limited | 100% | Micro finance |
| CBZ Capital | 100% | Private equity |
| CBZ Foundation | 100% | Philanthropy |
| CBZ Agro-Yield (Private) Limited | 100% | Agriculture based financing |
| CBZ Digital | 100% | Digital services |
| CBZ Asset Management (Mauritius) | 100% | Wealth management |
| Entity name | Rating |
| CBZ Holdings Limited | NR |
| CBZ Bank Limited | AA-(zw) — Long term |
| CBZ Life (Private) Limited | A(zw)- — Financial strength |
| CBZ Insurance (Private) Limited | BBB-(zw) — Claims paying ability |
| CBZ Asset Management (Private) Limited | MQ2(zw) — Manager quality |
| NR = Not Reported (line item / field was not disclosed in that year's annual report). Figures are as-reported, verbatim from each year's own primary financial statements - no recalculation, reclassification or restatement applied. |
Disclaimer: This information is not financial advice. While all data has been reviewed for accuracy, it relies on historical reporting and may contain errors or omissions.