Our bank closed 2025 with strong financial growth, deeper customer reach, and impact across communities, reaffirming our position as Uganda’s leading commercial microfinance bank.

Driven by a clear purpose to transform lives, we continue to scale sustainably while staying focused on the people and businesses that power Uganda’s real economy.

A Year of Strong Financial Growth

Centenary Bank recorded solid performance across all key financial indicators, reflecting growing customer confidence and disciplined execution.

Key Metric	2024	2025	Growth
Profit After Tax	UGX 342.3Bn	UGX 424.2Bn	23.90%
Total Assets	UGX 7.11Tn	UGX 8.61Tn	21.00%
Net Loans & Advances	UGX 3.72Tn	UGX 4.16Tn	11.90%
Customer Deposits	UGX 4.21Tn	UGX 5.27Tn	25.10%
Shareholders’ Equity	UGX 1.56Tn	UGX 1.85Tn	18.40%

This performance reflects sustained customer trust, with deposits growing significantly as more Ugandans continue to choose Centenary Bank as their financial partner.

Growing With Our Customers

By the end of 2025, over 77.6% of the Bank’s customers came from underserved segments, including smallholder farmers, women, youth, refugees, and rural communities.

Customer Impact	2025
Customers from underserved communities	2.39M
Total customer deposits	UGX 5.27Tn
MSME & Agriculture portfolio	UGX 1.76Tn
Loans to women-led businesses	118,766
Smallholder farmers supported	58,519
Microfinance clients served	122,833
Agent banking contribution	49% of transactions

Through our network of branches, ATMs, and over 9,000 agent banking points, the bank continues to bring financial services closer to where customers live and work.

Financing What Matters

We have continued to channel capital into sectors that drive livelihoods and economic growth.

In 2025, we disbursed UGX 281.7 billion in sustainable finance, supporting over 180,000 beneficiaries across agriculture, MSMEs, and social impact initiatives.

Targeted programmes such as GROW, Supawoman, Cente Youth, and the National Youth Venture Capital Fund continue to unlock opportunities for women and young entrepreneurs, enabling business growth and long-term financial resilience.

Driving Sustainability and Community Impact

The Bank’s commitment extends beyond finance into environmental stewardship and community development.

Sustainability & Community Impact	2025
CSR investment	UGX 4.9Bn
Community initiatives supported	1,153
Trees planted	69,000+
Branches transitioned to solar	10
Emissions reduction	6.30%
Financial literacy beneficiaries	33,341

Through partnerships such as the Rotary Cancer Run and nationwide community initiatives, we continue to invest in health, financial literacy, and social well-being.

Strength You Can Trust

Despite a challenging operating environment, the Bank maintained strong asset quality, with a non-performing loan ratio of 2.94%, supported by disciplined credit management.

The 2025 financial statements were independently audited by PricewaterhouseCoopers, receiving an unqualified opinion, reinforcing transparency and governance standards.

Looking Ahead

In 2026, we will continue to build on this momentum, with a focus on:

• Enhancing customer experience through a new core banking system
• Improving operational efficiency and service delivery
• Expanding access to finance across key sectors of the economy

We remain committed to supporting Uganda’s growth by empowering individuals, businesses, and communities with the financial tools they need to thrive.

Download Full Report (PDF): https://www.centenarybank.co.ug/dcs/2025-financial-results.pdf