Tanzania Agricultural Development Bank

What Tanzania Agricultural Development Bank does

Tanzania Agricultural Development Bank (TADB) is a state-owned development finance institution, legally known as Benki ya Maendeleo ya Kilimo Tanzania, established in 2015 under the Companies Act 2002 and licensed under the Banking and Financial Institutions Act No 5 of 2006 and the Development Finance Regulations, 2012. It is wholly owned by the Government of the United Republic of Tanzania and operates as the country's apex agricultural development bank with a statutory mandate to deliver short, medium, and long-term affordable credit for agricultural transformation aligned with Tanzania's Vision 2025 and ASDP II.

TADB's product portfolio comprises four core offerings delivered through an Integrated Value Chain Financing Model (IVCF) that spans inputs, production, storage, processing, distribution, and marketing nodes: Asset Financing for mechanization and equipment; Project Financing for long-tenor value-chain infrastructure (1-15 years, up to 2-year grace); Season Financing for working capital aligned to agricultural cycles (1-3 years); and the Smallholder Farmers Credit Guarantee Scheme (SCGS), which provides up to 50% cash cover to partner commercial banks, community banks, and MFIs to mitigate credit risk on smallholder loans. Risk management is anchored in an Environmental and Social Management System (ESMS). Pricing is tiered by borrower: 8-12% per annum for smallholders, livestock keepers, and fisheries; 13-15% for medium and large-scale farmers, with loan amounts covering up to 75% of project or appraised costs.

TADB is headquartered at Acacia Estates, Kinondoni Road, Dar es Salaam, with 7 additional zonal offices across Tanzania (Dodoma, Mwanza, Mbeya, Mtwara, Tabora, Arusha, plus the Eastern Zone in Dar es Salaam). It serves primary segments of smallholder farmers, agribusinesses and SMEs, cooperatives and AMCOS, livestock keepers and fisherfolk, and Partner Financial Institutions (NMB, CRDB, Azania, TCB, Uchumi, and MFIs). Since inception TADB reports cumulative disbursements of TZS 1.38 trillion across 57 value chains and 719 strategic projects, with TZS 447.95 billion disbursed through SCGS. Go-to-market combines direct branch-based lending with channel lending via partner banks; relationships are also maintained with multilateral partners (African Development Bank, TDB, IFAD), the Public Service Social Security Fund (PSSSF) as a long-term investor, the Bank of Tanzania, sector ministries, and thematic partners including the Gates Foundation and Heifer International.

Name

Tanzania Agricultural Development Bank

Legal name

Benki ya Maendeleo ya Kilimo Tanzania

Website

https://tadb.co.tz

Company type

Private

Founded year

2015

Operating status

Operating

Headcount range

251–500 employees

Short description

Tanzania Agricultural Development Bank (TADB) is a state-owned development finance institution, established in 2015 and wholly owned by the Government of Tanzania, that provides short, medium, and long-term credit facilities, credit guarantees, and value-chain financing products to smallholder farmers, agribusinesses, cooperatives, and partner financial institutions across Tanzania's agricultural sector.

Ownership category

akta.pro rank

Product category

Agricultural Development Banking

NAICS

Commercial Banking (522110)

SIC

Federal & Federally-Sponsored Credit Agencies (6111)

akta.pro primary industry

Agricultural & Rural Development Banks (FSABAKAE)

akta.pro secondary industries

National Development Banks & State Development Finance Institutions (DFIs) (BPADACAC), SBA/Government-Backed & Development Finance Loans (FSAKAGAI), Infrastructure & Project Finance Development Banks (FSABAKAD)

Keywords

• Agricultural development banking
• Value chain financing
• Agribusiness lending
• Credit guarantee schemes
• Rural development finance

Headquarters

HQ city

Masaki

HQ country

Tanzania

HQ region

Africa

Offices8 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales, Others

Revenue model

1. Agricultural Credit / Interest Income: TADB earns interest income by providing short, medium, and long-term affordable credit facilities to the agricultural sector. Interest rates vary by borrower category: 8-12% per annum for smallholder farmers, livestock keepers, and fisheries; and 13-15% per annum for medium and large-scale farmers. The bank also earns fees through wholesale lending, co-financing, and guarantee arrangements with Partner Financial Institutions.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels5 records

Core offering

Tanzania Agricultural Development Bank is a state-owned development finance institution that provides short, medium, and long-term affordable credit facilities to the agricultural sector in Tanzania. It delivers Asset Financing for farm equipment and mechanization, Project Financing for long-term agricultural infrastructure, Season Financing for working capital aligned with agricultural cycles, and the Smallholder Farmers Credit Guarantee Scheme (SCGS) which provides up to 50% guarantees to partner commercial banks for smallholder lending.

Product overview

Tanzania Agricultural Development Bank (TADB) is a state-owned development finance institution offering a portfolio of agricultural financing products designed to support the entire agricultural value chain. The product suite consists of four core offerings: Asset Financing for agricultural mechanization and equipment procurement; Project Financing for long-term infrastructure development such as irrigation schemes, storage facilities, and processing plants; Season Financing for working capital needs tied to agricultural cycles; and the Smallholder Farmers Credit Guarantee Scheme (SCGS) which provides risk-sharing mechanisms to partner financial institutions to catalyze lending to smallholder farmers. TADB operates under an Integrated Value Chain Financing Model (IVCF) that supports interventions across inputs, production, storage, processing, distribution, and marketing nodes.

Differentiator

Problem solved

Functional benefit

Products and services

• Asset Financing (Mikopo ya Miundombinu ya Uzalishaji)

Quantifiable outcome

• TZS 1.38 Trillion in agricultural loans disbursed since establishment in 2015
• +3 more outcomes

Named customers2 records

Segments5 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

16 partnerships are on record, tiered core, major and minor.

• Bank of Tanzania (BoT)coreStrategic or Co-development PartnerBoT works closely with TADB on regulatory compliance, sector policy, and technical capacity building. Through collaborations such as the BoT Academy training in agri-finance, TADB strengthens PFIs' ability to lend to the agricultural sector.
• Ministry of AgriculturecoreStrategic or Co-development PartnerThe Ministry of Agriculture partners with TADB in value chain development programs, policy alignment, and facilitating smallholder access to modern farming technologies. Jointly implements sector-wide initiatives to improve productivity and market access.
• Ministry of Livestock and FisheriescoreStrategic or Co-development PartnerCollaborates with TADB on livestock and fisheries value chain financing, including aquaculture and dairy modernization programs. Provides technical guidance to ensure financing aligns with sectoral needs.
• NMB BankmajorChannel Partner/ Reseller/ DistributorNMB Bank is a Partner Financial Institution working with TADB under wholesale lending, co-financing, and SCGS arrangements. These partnerships extend agricultural credit to smallholders and agri-SMEs nationwide.
• CRDB BankmajorChannel Partner/ Reseller/ DistributorCRDB Bank is a Partner Financial Institution working with TADB under wholesale lending, co-financing, and SCGS arrangements to extend agricultural credit nationwide.
• Azania BankminorChannel Partner/ Reseller/ DistributorAzania Bank is a Partner Financial Institution under TADB's PFI network for agricultural lending.
• TANZANIA Commercial Bank (TCB)minorChannel Partner/ Reseller/ DistributorTCB is a Partner Financial Institution working with TADB under wholesale lending, co-financing, and SCGS arrangements.
• Uchumi Commercial BankminorChannel Partner/ Reseller/ DistributorUchumi Commercial Bank is a Partner Financial Institution under TADB's network for agricultural lending through SCGS and co-financing.
• SELF MicrofinanceminorChannel Partner/ Reseller/ DistributorSELF Microfinance works with TADB under the SCGS scheme to provide micro-credit to smallholder farmers in rural areas.
• Bagamoyo Sugar LimitedminorOthersPrivate sector agribusiness that engages with TADB as a financing beneficiary and co-implementer of value chain transformation projects in the sugar sector.
• Kilombero Sugar CompanyminorOthersPrivate sector agribusiness that engages with TADB as a financing beneficiary and co-implementer of value chain transformation projects in the sugar sector.
• Hill Oils & Fats Ltd.minorOthersPrivate sector agribusiness that engages with TADB as a financing beneficiary for value chain transformation projects.
• Gates FoundationminorStrategic or Co-development PartnerThe Gates Foundation collaborates with TADB on thematic programs such as the Tanzania Inclusive Processor-Producer Partnerships (TI3P), focusing on dairy, youth, and women empowerment.
• Heifer InternationalminorStrategic or Co-development PartnerHeifer International collaborates with TADB on thematic programs including the Tanzania Inclusive Processor-Producer Partnerships (TI3P), focusing on dairy, youth, and women empowerment.
• Africa Trade Insurance (ATI)minorStrategic or Co-development PartnerAfrica Trade Insurance supports TADB with risk mitigation tools like guarantees and insurance for agribusiness lending.
• PASS TrustminorStrategic or Co-development PartnerPASS Trust supports TADB with risk mitigation tools including guarantees, insurance, and capacity building for agribusiness lending.

Scale indicators6 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Bank of Agriculture (BOA) Nigeria: Nigeria's state-owned agricultural bank providing credit facilities to farmers and agribusinesses. Comparable in being a government-owned agricultural development bank serving smallholder and commercial agricultural borrowers in Africa.
• Agricultural Finance Corporation (AFC) Kenya: Kenya's state-owned agricultural development finance institution, providing credit facilities to smallholders, cooperatives, and agribusinesses. Closest analogue to TADB in mandate, structure, and target market across East Africa.
• Land and Agricultural Development Bank of South Africa (Land Bank): South Africa's state-owned agricultural development finance institution providing wholesale and retail agricultural credit. A larger but structurally analogous state-owned agricultural DFI serving farmers across the value chain.
• Agricultural Development Bank of Ghana: Ghana's state-owned agricultural development bank providing credit and related services to the agricultural sector. Directly comparable as a West African agricultural DFI with similar mandate and value chain financing approach.
• National Bank for Agriculture and Rural Development (NABARD): India's apex agricultural and rural development finance institution providing credit, refinancing, and development support. Comparable as a national agricultural DFI that refinances and supports partner banks to lend into agriculture.

Broad incumbents

• Equity Bank Kenya: Major East African bank with strong agricultural lending and value chain finance products. Comparable in offering structured agricultural credit across smallholder and commercial segments in East Africa.
• Rabobank: Global leader in food and agricultural financing, providing wholesale and retail banking to agricultural value chains worldwide. A broad incumbent in agricultural finance with deep domain expertise and value chain financing models similar to TADB's IVCF approach.

Regional players

• National Microfinance Bank (NMB Bank Tanzania): Tanzania's largest bank serving retail, SME, and agricultural borrowers across the country. Same-country peer operating in adjacent retail/SME lending space, and a key TADB Partner Financial Institution for SCGS-scheme lending.

Others

• African Development Bank (AfDB): Pan-African multilateral development bank providing concessional credit lines and technical assistance to TADB. Comparable as a key institutional funder and partner, and as a regional DFI ecosystem enabler.
• International Fund for Agricultural Development (IFAD): UN specialized agency providing concessional financing and technical support for rural and agricultural transformation. Comparable as a core TADB partner and as a global ecosystem enabler of smallholder agricultural finance.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/tadbtz
• Facebookfacebook.com/tadbtz
• Instagraminstagram.com/tadbtz
• LinkedInlinkedin.com/company/tadb

Revenue estimate

Valuation estimate

Number of profiles

Profiles20 records

Funding overview

Funding rounds1 record

Investors1 record

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Tanzania Agricultural Development Bank