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 71.4% 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 2018 annual report

Investrust Bank Plc (“Investrust”) recorded a 19.9% decrease in net interest income to K48.91 million during the year ended 31st December 2017 (2016: K40.82 million). Total operating expenses increased marginally by 1% on a year-on-year basis to K149.65 million (2016: K148.23 million). During the year under review, the Bank recorded a loss of K38.00 million (2016: K47.40 million loss).

Subsequent to the year-end, ZCCM-IH increased its shareholding in Investrust from 45.4% to 71.4% through the mandatory offer that commenced on 9th April 2018 and closed on 30th April 2018.

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

Download 2018 Annual Report

Extract from 2017 annual report

Investrust Bank Plc (Investrust) recorded an 8.22% decrease in net interest income to K40.82 million during the year ended 31st December 2016 (2015: K37.72 million). Interest rates on loans and advances were adjusted upwards following the removal on the lending rate caps for commercial banks. Nonetheless, the growth in net interest income remained constrained due to the high cost of funds on term deposits which form a significant part of Investrust’s deposit base.

Total operating expenses reduced by 19% to K148 million (2015: K183 million). This was mainly attributed to a non-recurring expense in respect of redundancy and severance booked the previous financial period. Salaries and staff benefit costs declined by 4% to K65 million (2015: K67 million). During the year under review, the bank recorded a loss of K48 million (2015: K51 million).

During the financial period, Investrust embarked on a capital raising exercise through a Clawback Rights Offer to meet the minimum capital requirement set by Bank of Zambia. ZCCM-IH fully underwrote the offer. Subsequent to the completion of the Rights Offer, ZCCM-IH’s shareholding increased from 10.6% to 48.6%. In the latter part of the financial period, Investrust undertook another capital raise through the issuance of non-voting preference shares, which saw the bank’s primary capital increase beyond the minimum capital requirement.

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 December 2015 (2014: Nil).

Download 2017 Annual Report


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