Investrust Bank Plc 2017-10-02T15:01:08+00:00

Investrust Bank Plc is a public limited company and is incorporated under the Companies Act Chapter 388 of the ‘laws of Zambia. The Bank is licensed under the Banking and Financial Services Act Chapter 387 of the Laws of Zambia to conduct commercial banking services and has a primary listing on the Lusaka Stock Exchange. ZCCM-IH currently owns 45.4% of Investrust Bank Plc.

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Nature of Business and Overview of Operations

Investrust currently has 27 branches spread in the following towns: Lusaka, Kitwe, Chipata, Chirundu, Chililabombwe, Chingola, Choma, Kabwe, Mongu, Ndola, Solwezi, Lumwana, Livingstone and Luangwa. Apart from the 27 branches the Bank also has three (3) agency offices in Lusaka at the Lusaka International Airport, Mwami Border Post in Chipata and at Harry Mwanga Nkumbula International Airport in Livingstone.

Retail and SME Banking

The provision of retail banking services to the consumer market in Zambia currently constitutes the core activities of Investrust Bank. The introduction of Agency banking underpins the Bank’s commitment to ensuring easier accessibility of its banking services to its customers.

This is set to increase and anchor the Bank’s operations as more branches are opened and latest alternative delivery channels implemented as part of the expansion and growth strategy.

Corporate Banking

Investrust Bank is progressively repositioning itself in the Zambian financial market by offering products based on a market segmentation strategy. In this regard the Corporate Banking department has focused on medium-sized enterprises and emergent Zambian entrepreneurs and corporations.

One of the recently introduced products is “Investlease”. Leasing financing is expected to grow significantly and contribute significantly to revenue generation in the immediate term.

Treasury Banking

The Treasury function at Investrust Bank is primarily responsible for liquidity management in both local and foreign currencies and management of various business risks.

The Treasury Department takes an active role in the money market to generate interest income via investments in treasury bills and government bonds and margin income on foreign exchange transactions.

Contact Details

Ody’s Park
Plot No. 19028/9
Great East Road
P.O Box 32344
Phone: +260 211 294685/874
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Extract from 2016 annual report

Investrust Bank Plc (Investrust) recorded a 19% decrease in net interest income to K39.77 million during the year ended 31 December 2015 (2014: K49.30 million). This was driven by the increase in interest rates in fixed term deposits and inter-bank lending. During the year under review, the bank did not expand the physical branch network. Rather, the bank focused on consolidating operations in its branch networks.

In 2015, Investrust embarked on a capital raising exercise through a Claw back Rights Offer to meet the minimum capital requirement set by Bank of Zambia. ZCCM-IH fully underwrote the offer and the results, subsequent to year end, indicated that ZCCM-IH ended up with 48% of the shareholding in the bank.

ZCCM-IH made an application for waiver of a mandatory offer to the SEC and the SEC approved the application on condition that ZCCM-IH sold down its shareholding to below 35% which is the trigger for a mandatory offer. ZCCM-IH has since sold 3.2% of its shares in the bank and is currently at 45.4% shareholding.

The bank’s share price on the LuSE closed the period under review at K13.50 (2014: K13.50). There were no dividends declared during the financial year ended 31 March 2016 (2015: Nil).

Download 2016 Annual Report

Extract from 2015 annual report

Investrust Bank Plc’s (Investrust) revenue increased to K136.3 million for the year ended 31 December 2014 (2013: K122.2 million) with a loss after tax of K5.1 million (2013: K2.8 million loss).

During the period under review, the bank increased its branch network to twenty eight (28) after launching a branch in Chingola and two (2) in Kitwe. Investrust also launched its own switching software that facilitated the introduction of many innovative services and implemented Agency Banking, a delivery channel that uses a network of agents to offer typical banking services across the full breadth of Zambia. The bank anticipates business growth in the near future through the various strategic initiatives implemented by the Bank in the last three years and the operationalization of the Zambian Home Loans (ZHL). In 2015 the bank will embark on a capital raise exercise through a rights offer to meet the minimum capital requirements set by the Central Bank.

The bank’s share price on the LuSE closed the period under review at K13.50 (2014: K13.50).

There were no dividends declared during the financial year ended 31st March 2015 (2014: Nil).

Download 2015 Annual Report


Extracting value from tier one assets by improving efficiencies and operations.