Mkombozi Commercial Bank PLC

Mkombozi Commercial Bank PLC maintains a capital structure characterized by a debt-to-equity ratio of 0.08, indicating a conservative leverage profile relative to its equity base of TZS 50.8 billion. The bank holds total assets of TZS 316.6 billion against total liabilities of TZS 265.8 billion. Long-term debt stands at TZS 4.2 billion, which is modest compared to the equity cushion. Operating cash flow is reported at TZS 15.8 billion, while capital expenditure is TZS -1.5 billion, resulting in a net cash position that is flagged as negative after subtracting total debt, suggesting liquidity constraints or specific balance sheet classifications that require monitoring. The current liquidity risk is assessed as medium.

Profitability metrics show a return on equity (ROE) of 19.44% and a return on assets (ROA) of 3.12%. The bank generated net income of TZS 12.9 billion on revenue of TZS 27.4 billion, implying a net profit margin of approximately 47%. These returns are strong for a banking entity, reflecting efficient asset utilization and cost management. The high ROE suggests that the bank is effectively leveraging its equity to generate profits, although the absence of cohort median data prevents a direct comparative assessment against industry peers.

A low debt-to-equity ratio of 0.08 suggests a conservative leverage profile compared to the 0.29 industry median.

Equity declined 5.0% year-over-year to TZS 23.9 billion, reflecting a reduction in shareholder capital.

The four-year revenue CAGR of -12.5% indicates a long-term downward trend in top-line growth.

Cash conversion of -1.33 places the bank in the bottom quartile of its peer cohort.