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Zambia Industrial Commercial Bank (ZICB) proudly participated in a Corporate Social Responsibility (CSR) project led by the Bankers Association of Zambia (BAZ) to mark Zambia’s 60th Independence Anniversary. The initiative involved the donation of solar energy equipment and other essential items to Chinyunyu Secondary School in Rufunsa District. This impactful project, which brought together various commercial banks, was graced by the Lusaka Province Minister, Hon. Sheal Mulyata, MP, alongside the CEOs of the various commercial banks. The collective contributions from the banks amounted to ZMW 750,000, highlighting the banking sector’s commitment to driving positive change. As a bank committed to empowering future generations through education, ZICB’s participation underscores our dedication to being a responsible corporate citizen. We are proud to have supported this milestone event and remain devoted to initiatives that improve learning environments for Zambian students. ZICB also extends warm congratulations to Chinyunyu Secondary School on their 60th anniversary. We celebrate this significant milestone and their unwavering dedication to providing quality education over the past six decades.

Fraud poses a significant challenge in today’s fast-paced, technology-driven world, affecting not just individuals and businesses but the collective trust that forms the foundation of a thriving economy. At ZICB, we believe that preventing fraud is a shared responsibility and an essential part of safeguarding our future. As we observe Fraud Awareness Week 2024, this commitment becomes even more critical. Our mission is clear: to empower individuals and businesses with the tools and resources they need to succeed today while building a brighter and more secure tomorrow. Guided by our tagline, “Making Tomorrow Possible,” we are dedicated to providing innovative solutions and ensuring financial security for all our stakeholders. The Changing Face of Fraud The theme for this year’s Fraud Awareness Week, “The face of fraud is changing – collaboration is more important than ever,” resonates deeply with us. Fraudsters are constantly evolving their tactics, leveraging technology to exploit vulnerabilities and target unsuspecting victims. Whether it’s phishing scams, identity theft, or card fraud, these schemes threaten the financial well-being of individuals and businesses alike. At ZICB, we’re not just responding to these challenges; we’re staying ahead of them. Through cutting-edge technology, robust risk management systems, and a commitment to transparency, we ensure that our clients can bank with confidence, knowing their assets and information are secure. Empowering Our Clients Making tomorrow possible means equipping our clients with the knowledge and tools to recognize and combat fraud. During Fraud Awareness Week, we’re rolling out several initiatives to raise awareness and promote financial literacy. We’re sharing practical fraud prevention tips and insights across our social media platforms to help clients stay vigilant. Additionally, ZICB continues to enhance its digital banking platforms with advanced security measures, ensuring that your financial information remains protected. We understand that no one can tackle fraud alone. That’s why we actively collaborate with regulatory bodies, law enforcement agencies, and other financial institutions to combat fraud at a systemic level. Together, we can create a safer financial ecosystem for everyone. Your Role in Fraud Prevention While ZICB works tirelessly to secure your accounts, you also play a critical role in fraud prevention. Here are a few ways you can contribute: Stay Informed: Regularly review our fraud prevention resources to stay ahead of emerging threats. Report Suspicious Activity: If you notice any unusual transactions or communication claiming to be from ZICB, report it immediately by calling 7000. Adopt Secure Banking Practices: Use strong passwords, enable two-factor authentication, and avoid sharing sensitive information. A Safer Tomorrow for All At ZICB, making tomorrow possible is not just a tagline, it’s a promise. It’s a commitment to innovation, integrity, and collaboration as we work together to build a secure and prosperous financial future for all Zambians. Fraud Awareness Week is a reminder of the challenges we face, but it’s also an opportunity to reinforce our shared responsibility in combating fraud. By staying informed, vigilant, and united, we can overcome these challenges and make tomorrow possible for everyone. Visit our website or follow us on social media to learn more about how ZICB is protecting your future and empowering you to succeed. Together, we can create a safer financial tomorrow.

ZICB: EXPANDING OUR REACH, EMPOWERING COMMUNITIES ACROSS ZAMBIA Since its inception in 2018, Zambia Industrial Commercial Bank (ZICB) has remained dedicated to delivering innovative financial solutions tailored to the needs of all Zambians. Aligned with our mission to support economic growth and promote financial inclusion, we have strategically expanded our footprint nationwide, bringing banking services closer to the people and empowering communities across Zambia. Our commitment to accessibility and community empowerment drives Zambia’s economic development forward. Growth our Branch NetworkIn recent months, ZICB has significantly increased its presence by opening 16 new locations, including four agencies and three branches in Lusaka and branches in Livingstone, Choma, Luangwa, Chipata, Kabwe, Ndola, Kitwe, Solwezi, and Chililabombwe. This brings our total to 22 branches and agency locations nationwide, demonstrating our dedication to making banking accessible to all, whether in bustling cities or emerging rural hubs. Our expansion ensures that ZICB reaches underserved communities, providing reliable, convenient financial services. Bringing Banking Services Closer to the PeopleOur goal is simple: to bring banking closer to the people. Each new branch is staffed by dedicated professionals who provide a full range of services, from retail and business banking to digital banking platforms. Through our award-winning ZICB Banking App, we create a seamless banking experience that combines the convenience of technology with personalised, in-branch services. With a strong focus on financial inclusion, especially in rural and underserved areas, we ensure that more Zambians can access affordable financial services. This empowers individuals to save for their futures, grow their businesses, and seize financing and investment opportunities, fostering greater financial stability for all. Supporting Economic Growth and DevelopmentZICB’s expansion isn’t just about opening branches—it is about fueling Zambia’s economic growth. By establishing branches in key regions, we actively support local businesses, especially SMEs, vital to Zambia’s economy. We offer tailored financing solutions that help businesses expand, create jobs, and contribute to local economies. In the agricultural sector, ZICB empowers farmers by providing essential financial tools to grow their operations. Our presence in agricultural regions ensures that smallholder farmers and agribusinesses can access products that increase productivity and resilience in the face of economic and climate challenges. Future PlansAt ZICB, our vision is to grow alongside Zambia’s rapidly developing economy. In the near future, we plan to expand into more strategic regions, further increasing accessibility and convenience for our customers. We aim to ensure that no Zambian is left behind when accessing quality banking services. This expansion strategy complements our digital platforms, allowing customers to access ZICB’s services from any location nationwide. ZICB’s growth reflects our unwavering commitment to the people of Zambia. As we expand our footprint, we are making banking more accessible, empowering individuals and businesses to thrive, and shaping a brighter, more financially inclusive future for Zambia. With 22 branches and agency locations across the country, ZICB is here to provide convenient, reliable banking services for all.

Zambia Industrial Commercial Bank (ZICB) has announced its facilitation of ZMW 3,064,000 towards the Youth, Women, and Community Empowerment Loan program under the Constituency Development Fund (CDF) for Mandevu Constituency, Lusaka. This initiative, aimed at fostering economic empowerment and entrepreneurship, was launched at a ceremony held today, attended by key government officials, community leaders and the beneficiaries. The event was graced by Hon Sheal Mulyata, the Lusaka Provincial Minister, the Mayor of Lusaka, Ms. Chilando Chitangala, the Lusaka District Commissioner, Ms. Rosa Zulu, and Honourable Christopher Shakafuswa, Member of Parliament for Mandevu. In his remarks, ZICB CEO Mr. Ngenda Nyambe, who was represented by the Bank’s Chief Risk Officer, Thulani Muchiya emphasized ZICB’s commitment to supporting Zambia’s development by investing in communities that drive economic growth and social progress. “This programme is more than just financial support; it is an investment in the future of Mandevu. ZICB believes in the potential of youth and women to create sustainable change, and today’s initiative marks an important step in empowering local businesses and entrepreneurs,” said Mr. Nyambe. The ZMW 3,064,000 funding will support a range of initiatives led by young people, women, and community organizations. These funds are designed to stimulate economic activity, enable self-reliance, and help local residents achieve financial independence. Meanwhile, Hon. Mulyata commended ZICB for its role in strengthening community development and underscored the importance of such partnerships in addressing unemployment and economic disparity. “Today’s partnership is a model for what we can achieve when the public and private sector players work together for the good of our communities,” she said. With support to this initiative, ZICB continues to build on its mission of driving Zambia’s growth through inclusive financial solutions. The Bank remains dedicated to collaborating with government entities and local leaders to further expand economic opportunities across the country.

At Zambia Industrial Commercial Bank (ZICB), we are not just dedicated to providing financial solutions; we are committed to driving impactful campaigns that make a difference in the lives of our customers. Our enthusiastic staff showcased their support for our exciting WINA NA ZICB promotion, donning T-shirts branded with the campaign message. The WINA NA ZICB campaign offers incredible opportunities for both retail and business customers to win life-changing prizes. Retail customers who maintain a minimum balance of ZMW 5,000 stand a chance to win green energy solutions like solar lighting kits, gas stoves, and a grand prize of an SUV motor vehicle. Meanwhile, our MSME clients could win essential business tools, including laptops, a brand-new Toyota Hilux, and ZMW 250,000 in working capital. Our team at ZICB is thrilled to be part of this journey, engaging with customers at various touchpoints and spreading the message of how ZICB is committed to building a greener and more prosperous future. With each T-shirt worn, we proudly represent the energy, excitement, and opportunity that comes with the WINA NA ZICB campaign. This initiative highlights ZICB’s dedication to fostering a culture of sustainable growth and financial empowerment for individuals and businesses alike. As we promote green energy solutions and business growth, we are not just offering prizes but creating a ripple effect of positive change in our communities. Join us on this incredible journey! Whether you’re a retail customer looking to drive green or a business owner seeking working capital, ZICB is here to make your aspirations a reality.

This past weekend, ZICB had the honour of sponsoring the Dantho Traditional Ceremony of the Chikunda people in Luangwa District. Before the festivities, our team, led by Luangwa Branch Manager Jay Milambo, paid a courtesy call on Chief Mpuka at his palace, where we reaffirmed our commitment to supporting the preservation of local culture and providing affordable financial solutions to the community. As we celebrate Zambia’s rich heritage, we are proud to play our part in empowering communities for a brighter, more inclusive future.

Zambia Industrial Commercial Bank (ZICB) is proud to announce Perazim Business Solutions Limited as the grand prize winner of the “Let’s Make Big Wins Happen” campaign, which was conducted last year. This initiative, aimed at rewarding loyal customers, exemplifies ZICB’s commitment to supporting businesses and individuals who actively engage with the Bank. Perazim Business Solutions Limited, a consultancy firm with a focus on human resource management, won a cutting-edge solar energy solution. The prize package, which includes an inverter, battery, and solar panels, is worth K75,000 and is set to transform the business, especially in the face of Zambia’s current intermittent power supply. With 10 employees based in Lusaka, the company, founded by Ansley Chigomba, specializes in providing HR solutions to various sectors. Reflecting on the win, Mr. Chigomba expressed his gratitude and excitement, emphasizing how the solar solution will alleviate the burden of load shedding, which has lately been a challenge for many businesses in Zambia. “This prize could not have come at a better time. With load shedding affecting our operations, this solar energy solution will allow us to continue working without disruptions, which will in turn improve our service delivery and productivity,” he said. Perazim Business Solutions Limited was established to address key challenges in human resource management, offering consultancy services that focus on talent acquisition, training and development, and employee performance management. As a growing business, Perazim prides itself on delivering tailored solutions to both small and large organizations, fostering long-term partnerships and contributing to the development of Zambia’s workforce. ZICB has consistently demonstrated its support for small and medium-sized enterprises (SMEs) through various initiatives, including the ‘Let’s Make Big Wins Happen’ campaign. The campaign, which ran from September to December last year, rewarded customers who maintained a minimum balance in their accounts with exciting prizes, from solar lighting kits to fuel and shopping vouchers. Perazim’s grand prize of a solar energy solution is just one example of how ZICB is helping businesses embrace sustainable solutions while growing their enterprises. Through this initiative and many others, ZICB reaffirms its commitment to the growth of Zambia’s SME sector, recognizing the vital role that small businesses play in the economy. ZICB continues to tailor its products and services to meet the unique needs of SMEs, offering access to finance, expert guidance, and opportunities for growth. As Perazim Business Solutions Limited celebrates this success, ZICB looks forward to seeing more success stories from its customers through the WINA NA ZICB Campaign, running from September to December 2024. ZICB remains dedicated to creating a competitive future for businesses across the country. For more information about ZICB’s campaigns and how your business can participate, call us on 7000.

ZICB had a productive dialogue with representatives from the London Foreign Commonwealth and Development Office (FCDO). The discussion focused on strategically integrating nature-based solutions, such as green infrastructure and sustainable land use practices, into our environmental and financial strategies. Key takeaways include the potential to enhance climate resilience, promote biodiversity, and support sustainable economic growth through these initiatives. The FCDO expressed strong interest in how incorporating these green assets aligns with broader environmental and financial objectives. This conversation also opened avenues for exploring support towards issuing a green bond, furthering our commitment to environmentally responsible finance. ZICB is excited about the opportunity to attract environmentally conscious investments, reinforcing our role as a leader in green finance. We remain dedicated to driving sustainability and championing climate-friendly economic growth for a greener future.

We are honoured to have been the main sponsor of the official renaming ceremony of Longacres Mall to KK Mall, commemorating the 100th anniversary of Dr Kenneth Kaunda’s birth. ZICB’s contribution to this significant event is a fitting tribute to Zambia’s founding father. Our CEO, Mr. Ngenda Nyambe, together with the ZICB management team, attended the ceremony, which was graced by Hon. Rodney Sikumba, Minister of Tourism. In his speech, Mr. Nyambe paid tribute to Dr Kaunda, recognising him as a visionary leader and champion of unity, whose legacy continues to inspire the values that define our nation. He also urged every Zambian to live by the motto “One Zambia, One Nation,” and to safeguard the peace and unity that have been the foundation of our nation since independence. ZICB would like to acknowledge the Kaunda family, the Public Service Pension Fund, the National Museum Board, and Brandline Africa for their collaborative efforts in making this event a resounding success.

We are honoured to be the sponsors and official banking partners for the Livingstone MSME & Cooperatives Capacity Building Workshop, organised by CNC 360 Consultancy in collaboration with the Ministry of Small & Medium Enterprise Development. The workshop is being held at the Courtyard Hotel from 11th to 13th September. With over 400 SMEs and cooperatives in attendance, this event provides a valuable platform for business exhibitions, networking, and knowledge sharing with key stakeholders. The workshop is graced by Hon. Eng. Elias Mubanga, Minister of MSME Development, and Hon. Rodney Sikumba, Minister of Tourism. Visit the ZICB stand to explore opportunities for business growth and learn how our innovative solutions can support your success.