By Chisomo Phiri
CDH Investment Bank has reported strong interim results for the half year ended 30 June 2025, posting a profit after tax of K18.3 billion, representing approximately 120% increase from the K8.3 billion recorded during the same period in 2024.
In a statement, the bank’s Chief Executive Officer (CEO ) Thoko Mkavea says the growth was supported by the expansion of the average interest-earning assets, with notable increases across the customer loans and advances portfolios and coupled with improved fixed income trading activities and margins.
He says the unaudited summary of results for the six months ended 30 June 2025 released by the bank shows that the strong performance was driven by significant growth in both net interest income and non-interest income, which rose by 56% and 171% respectively.
Mkavea says the total assets grew by 60%, from K476.8 billion in June 2024 to K764.0 billion in June 2025.
“This was largely driven by a 71% increase in financial assets at fair value through profit or loss, a 68% rise in investments in fixed income securities at amortized cost, and a 32% increase in loans and advances to customers.
“These gains were supported by a 58% growth in investment funds and an 80% increase in customer deposits,” says Mkavea.
According to the CEO,the bank reported a customer loans-to-deposits ratio of 51%, while the total loans-to-funding base ratio was 77%.
He says the liquidity levels remained strong, highlighted by a Liquidity Coverage ratio of 205% while shareholders’ equity increased by 68% to K54 billion.
The CEO explains that the strengthened capital position was driven by higher retained earnings and effective risk-weighted assets management, resulting in a Capital Adequacy Ratio of 24% and Tier 1 Ratio of 24%
“The bank will maintain a cautious yet proactive approach, prioritising robust risk management and operational excellence. Its strategic focus will remain strengthening investment in staff development to build a future-ready workforce, expanding digital banking and fintech capabilities to enhance customer experience while deepening client relationships through customized financial solutions, its forte in the financial services sector in Malawi”, says Mkavea.
CDH Investment Bank is a leading investment bank in Malawi.
The bank opened its doors for business on April 2, 2012 following the successful conversion from Continental Discount House Limited (CDH) which had operated in the financial sector for 14 years since August 1998.
