The Tanzania Agricultural Development Bank (TADB) has expanded financing to smallholder farmers and agribusinesses as it posted strong financial growth in 2025, underscoring its rising role in driving agricultural transformation and rural livelihoods.
In the year ended December 31, 2025, the bank disbursed TZS 429 billion, directly supporting 233,434 smallholder farmers across the country, as demand for long-term agricultural financing continued to rise.
Speaking on the bank’s performance today, Director of Business Development Ms. Afia Sigge said TADB financed 98 agricultural production projects, backed 72 agro-processing investments, and supported the development of 44 storage facilities to help reduce post-harvest losses.
She added that the bank has set aside TZS 160 billion to finance warehouse infrastructure aimed at curbing post-harvest losses, alongside TZS 20 billion to support farmers’ access to modern seeds, in a move intended to boost productivity and strengthen food security.
“These investments are designed to improve storage capacity, enhance market access, and raise farm-level productivity,” Sigge said.
Financially, TADB reported a 44 percent year-on-year increase in total assets to TZS 1.31 trillion, surpassing the TZS 1 trillion threshold for the first time, driven largely by expanded lending across agricultural value chains.
Loans and advances grew by 51 percent to TZS 0.81 trillion, reflecting strong demand for development finance in agribusiness, processing, and value addition.
According to TADB Director of Finance Dr. Kaanael Nnko, profitability improved in line with the bank’s expanding balance sheet, with profit before tax rising 43 percent to TZS 35.35 billion, from TZS 24.68 billion in 2024, supported by disciplined portfolio growth and better asset utilization.
The bank also reported relatively strong asset quality, with a Non-Performing Loan (NPL) ratio of 2.5 percent, while operational efficiency improved as the cost-to-income ratio declined to 49.3 percent, reflecting tighter cost control and economies of scale.
TADB further announced it has achieved Tier One banking status, marking a key milestone in its 10-year journey as a development finance institution.
To widen outreach, the bank continues to partner with financial institutions to extend development finance beyond its physical branches, reaching farming communities across mainland Tanzania and Zanzibar.
Looking ahead, TADB said its 2025 results demonstrate strong financial resilience and alignment with national development priorities, with continued government support expected to help scale up financing for agricultural productivity, value addition and broader economic growth.