FDH Bank plc has reported strong financial performance for the 2025 financial year, recording a profit after tax of K147.796 billion, a 100% increase on K74.063 billion in 2024.
The Bank’s total assets also rose significantly to K1.636 trillion as of December 31, 2025, up from K1.241 trillion the previous year, reflecting sustained growth and operational strength.
Speaking during an investment forum in Blantyre, Managing Director Noel Mkulichi described the performance as both resilient and forward-looking, driven by deliberate strategic choices.
“This performance is not by chance; it is the result of a disciplined strategy, innovation, and our commitment to delivering value to our customers and shareholders,” said Mkulichi.
He noted that the bank’s growth trajectory is now extending beyond Malawi, following the successful acquisition of Ecobank Mozambique in 2025.
“We are positioning FDH Bank as a regional player. The Mozambique acquisition is a significant step in that direction, and we will continue to explore opportunities that align with our long-term vision,” he said.
Mkulichi, however, acknowledged the challenging operating environment, citing reduced government borrowing, declining interest rates, and persistent foreign exchange shortages.
“In response, we are deliberately diversifying into export-oriented sectors and mining to sustain growth and build resilience,” he said.
Beyond its financial gains, the bank’s performance also translated into tangible contributions to the broader economy, including tax payments, job creation, and corporate social investment.
During the year, FDH Bank channeled K3.1 billion towards initiatives such as food security, supporting communities across Malawi.
Board Chairperson Charity Mseka said the bank’s performance reflects strong leadership, sound governance, and a clear focus on long-term value creation.
“We are a strong bank, and we are always committed to working hard and producing results. When you do business, your outcome should be to make money, and that is what we have achieved in 2025,” she said.
She further emphasised that the results demonstrate the bank’s ability to remain disciplined while pursuing growth.
“What is important is that we have maintained discipline in how we grow the bank, ensuring that our lending remains prudent and our governance structures remain solid,” she said.
Minority Shareholders Association of Listed Companies Secretary General (MISALICO) Frank Harawa commended the bank for delivering strong returns to investors.
He said the increase in profitability and dividends is a clear indication that the bank is creating value for all shareholders.
“This is the kind of performance shareholders expect. The growth in profits and dividends shows that the bank is on the right track and management is making sound decisions,” said Harawa.
FDH Bank’s share price rose to K592.99 in 2025 from its initial public offering price of K10 in 2020.
The bank also declared dividends amounting to K57.07 billion (K8.27 per share), up from K32.642 billion (K4.73 per share) in 2024.
FDH Financial Holdings Limited remains the majority shareholder with a 74.05 per cent stake, followed by the general public at 20.96 per cent, and the Government of Malawi at 4.75 per cent.
