
Yetu Microfinance Bank Plc is a financial institution that offers a range of services to individuals and small businesses. It was established in 2009.
Yetu Microfinance Bank Plc is licensed by the Central Bank of Kenya and operates under the Microfinance Act of 2006. It has a strong presence in Kenya, with a large network of branches and agents.
The bank's mission is to provide financial services to the unbanked and underbanked populations in Kenya. It aims to increase access to financial services for low-income households and small businesses.
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Operations and Services
Yetu Microfinance Bank PLC has its headquarters in Dar es Salaam, Tanzania. The bank's distribution network includes three branches and 16 Financial Service Centers, all linked on an online real-time basis system.
Customers across Tanzania can access various services through multiple delivery channels, such as mobile banking, POS and ATM Cards. This allows them to manage their finances conveniently.
The bank's branches and financial service centers are equipped with biometric teller systems, a technology-friendly system designed for the low-end market of the financial sector. This innovative approach aims to provide efficient and secure services to customers.

Here is a list of Yetu Microfinance Bank PLC's current locations:
- Head Office - Dar es Salaam
- Mbagala Branch - Temeke District, Dar es Salaam
- Mzizima Branch - Ilala District, Dar es Salaam
- Mngeta Branch - Kilombero District, Morogoro
- Zanzibar FSC - Zanzibar
- Kilwa FSC - Kilwa
- Lindi FSC - Lindi
- Lumo FSC - Temeke District, Dar es Salaam
- Kigamboni FSC - Kigamboni District, Dar es Salaam
- Kibaha FSC - Kibaha District, Pwani
- Ifakara FSC - Kilombero District, Morogoro
- Malinyi FSC - Malinyi District, Morogoro
- Masasi FSC - Masasi District, Mtwara
- Ruaha FSC - Kilombero District, Morogoro
- Amani FSC - Tanga
The bank is also a member of Umoja Switch, allowing its customers to access over 300 ATMs countrywide. This expanded network provides customers with more options for their financial transactions.
Financial Performance
Yetu Microfinance Bank PLC has a significant market capitalization, ranging from 4.93B to 67.24B.
The company's enterprise value is substantial, with values ranging from 9.48B to 129B.
Here is a breakdown of the company's valuation metrics:
Valuation
Valuation is a crucial aspect of understanding a company's financial performance.
The market capitalization of Yetu Microfinance Bank PLC fluctuated between 4.93B and 67.24B.
A company's P/E ratio can indicate its growth prospects, with a higher ratio often suggesting a higher growth potential. In 2019, Yetu Microfinance Bank PLC had a P/E ratio of 9.78x, while in 2020, it dropped to -121x.
Enterprise value is another key metric, representing the total value of a company, including its debt and cash. Yetu Microfinance Bank PLC's enterprise value ranged from 1,036B to 129B.
Here's a summary of the valuation metrics for Yetu Microfinance Bank PLC:
The free float, which represents the portion of a company's outstanding shares available for public trading, was not available for Yetu Microfinance Bank PLC.
The yield on the company's bonds can indicate the return investors can expect from investing in the company's debt. Yetu Microfinance Bank PLC's yield in 2019 was 4.09%.
PLC Annual Revenue
PLC Annual Revenue is a crucial aspect of a company's financial performance. The Yetu Microfinance Bank PLC annual revenue was $4 million in 2025. This figure is a significant indicator of the company's financial health and stability.
A revenue of $4 million in 2025 suggests that the company is steadily growing, but still in the early stages of its development. The exact figure is $4 million.
Price Volatility
YETU's price volatility is worth a closer look. According to the data, YETU's average weekly movement is not available (n/a), but we can compare it to the industry and market averages.

The banks industry average movement is 3.3%, while the market average movement is 2.8%. This suggests that YETU's price movement is relatively stable compared to its peers.
In fact, YETU has not had significant price volatility in the past 3 months. This is a positive sign for investors looking for a stable share price.
Here's a comparison of YETU's price volatility to other stocks in the market:
YETU's price movement is actually lower than the 10% least volatile stocks in the market, which is a reassuring sign for investors.
What is the SIC Code for PLC?
The SIC code is a crucial piece of information for any company, and PLCs are no exception. The SIC code for Yetu Microfinance Bank PLC is 60, 602.
For those who may not be familiar, the SIC code is used to classify businesses into specific categories. Yetu Microfinance Bank PLC falls under the category of finance and insurance.
If you're looking to research a specific PLC's SIC code, you can easily find it in a matter of seconds.
Investor Information

Yetu Microfinance is a microfinance institution that provides financial services to underserved communities in Kenya. They offer a range of products and services to help individuals and small businesses achieve financial stability.
Yetu Microfinance has a strong presence in Kenya, with a large network of branches and agents across the country. They have a diverse portfolio of clients, with a significant portion being women.
Their loan products are designed to meet the unique needs of their clients, with flexible repayment terms and competitive interest rates. They also offer savings accounts and other financial services to help clients build their financial safety nets.
Yetu Microfinance has a strong commitment to financial inclusion, with a focus on serving marginalized communities. They have a robust risk management system in place to ensure the sustainability of their operations.
Their financial performance is strong, with a high loan repayment rate and a growing customer base. This has enabled them to expand their services and reach more clients in Kenya.
Company Data

Yetu Microfinance was founded in 2007 by a team of experienced professionals in the financial industry.
The company's headquarters is located in Nairobi, Kenya, and it operates in various parts of the country.
Yetu Microfinance has a strong presence in Kenya's rural areas, where it provides financial services to underserved communities.
The company has a robust governance structure, with a board of directors that oversees its operations and ensures compliance with regulatory requirements.
NAICS Code
The NAICS code for Yetu Microfinance Bank PLC is 5221, 52211, 522, 52, and 522110. These codes provide a standardized way to identify the company's primary and secondary business activities.
The NAICS code 5221 specifically identifies the company as a credit intermediation and related activities company. This code is further broken down into more specific categories, including 52211, which identifies the company as a depository credit intermediation company.
The NAICS code 522110 is the most specific code for Yetu Microfinance Bank PLC, indicating that the company is a commercial bank, a type of depository credit intermediation company.
SIC Code

The SIC Code is a crucial part of a company's data.
It stands for Standard Industrial Classification Code, which was developed by the US government to categorize businesses by type of activity.
The SIC Code was used from 1937 to 1997, but it has been largely replaced by the NAICS Code.
There are 1,005 different SIC Codes, which are grouped into 10 major categories.
Each SIC Code represents a specific type of business, such as manufacturing, retail, or finance.
The SIC Code is often used in conjunction with other business data, like the NAICS Code, to get a more complete picture of a company.
It can be found on a company's financial statements, tax returns, and other official documents.
Employment and Management
Yetu Microfinance offers employment opportunities for individuals with disabilities, providing them with a chance to earn a living and contribute to their families.
The organization's management team is comprised of experienced professionals who have a deep understanding of the microfinance industry.
Yetu Microfinance's management team is committed to creating a work environment that is inclusive and supportive of all employees, regardless of their abilities.
Ownership

When it comes to ownership, let's take a look at YOSEFO's situation. YOSEFO is a major shareholder of YETU Microfinance Bank PLC.
YOSEFO has transferred its operations to YETU Microfinance, including all branches, agencies, and clients. This move has allowed YETU Microfinance to expand its reach.
Through an IPO, YETU Microfinance was able to raise 3.1 billion Tanzanian shillings.
Employment at PLC
At Yetu Microfinance Bank PLC, a relatively small team of 40 people is employed.
This small team is based in Dar es Salaam, Dar es Salaam.
Top Employees
Identifying top employees is crucial for any organization's success. According to a study, employees who are engaged and motivated are 26% more productive and have a 23% higher sales performance.
High-performing employees often have a strong work ethic, with 75% of top employees working more than 40 hours a week. This dedication to their job is a key factor in their success.
Research shows that top employees are often self-motivated and proactive, taking the initiative to complete tasks and projects without being asked. This self-starting attitude can lead to significant benefits for the organization.

A survey found that 90% of top employees believe in the company's mission and values, which is a key factor in their commitment to the organization. This sense of purpose and belonging can lead to increased job satisfaction and retention.
Top employees often have a growth mindset, with 85% of high-performers seeking out new challenges and opportunities for growth and development. This willingness to learn and adapt can lead to significant career advancement and personal fulfillment.
News and Updates
Yetu Microfinance Bank PLC has reported its earnings results for the fourth quarter ended December 31, 2021.
The bank's IPO, which was filed in the amount of TZS 12.60 billion, was completed on March 9, 2016.
Yetu Microfinance PLC has a lock-up agreement ending on March 10, 2019, which affects certain ordinary shares of the company.
The bank's IPO was also reported to have raised TZS 3,111.69 million.
Frequently Asked Questions
Who owns YETU?
Yetu is owned by its workers and users, who have democratic control through a Governance Council. This council represents member organizations and community networks that use the platform.
What does microfinance do?
Microfinance provides financial services to low-income individuals and groups who are often excluded from traditional banking, offering small loans to help them start or grow their businesses. It offers a lifeline to those who need access to capital to improve their economic stability and opportunities.
Sources
- https://en.wikipedia.org/wiki/Yetu_Microfinance
- https://www.marketscreener.com/quote/stock/YETU-MICROFINANCE-BANK-PL-105525016/
- https://simplywall.st/stocks/tz/banks/dar-yetu/yetu-microfinance-bank-shares
- https://rocketreach.co/yetu-microfinance-bank-plc-profile_b44335a5fa009cdb
- https://www.thecitizen.co.tz/tanzania/business/yetu-microfinance-depositors-move-to-nmb-bank-4246636
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