Tanzania Investment Bank

What Tanzania Investment Bank does

Tanzania Investment Bank (TIB), operating commercially as TIB Development Bank Limited, is a government-owned Development Finance Institution (DFI) established in November 1970 under the Tanzania Investment Bank Act of 1970 and re-designated as a DFI in 2005. Headquartered in Dar es Salaam with zonal offices in Mwanza, Mbeya, and Arusha, the bank provides long-term development financing to corporate entities, state-owned enterprises (SOEs), local government authorities (LGAs), small and medium enterprises (SMEs), and public-private partnerships (PPPs) across Tanzania. Its product portfolio centers on term loans with tenors up to 20 years, guarantees, equity investments, advisory services, and fund management on behalf of government agencies and international development partners.

The bank's core offering is structured around sector-specific financing windows: agriculture (with concessional rates up to 5% per annum for direct borrowers and 4% for on-lenders), SME financing (requiring 40% borrower equity), industrial financing (agro-processing, mining processing, general manufacturing), infrastructure (transport, utilities, oil and gas, telecommunications), mining, utilities, transport and communication, service sectors, and tailor-made solutions for renewable energy, community water supply, and project preparation. Pricing is set on a per-project basis following credit risk assessment, with two-month processing timelines. Distribution is conducted via direct field sales from headquarters and zonal offices, program lending through LGAs and SOEs, and wholesale lending through financial intermediaries such as community banks and microfinance institutions.

TIB generates revenue primarily through interest income on its development loan portfolio, supplemented by fees from guarantee facilities, equity returns, and fund management mandates from partners including the World Bank, AFD (French Development Agency), UNIDO, and SNV (Netherlands Development Organization). The institution is overseen by the Ministry of Finance and Planning and operates under the regulatory framework of the Bank of Tanzania. Revenue figures are not publicly disclosed on the corporate website, though the bank publishes annual and quarterly financial reports indicating active and ongoing operations.

Name

Tanzania Investment Bank

Legal name

TIB Development Bank Limited

Website

https://tib.co.tz

Company type

Private

Founded year

1970

Operating status

Operating

Headcount range

101–250 employees

Short description

TIB Development Bank is a Tanzanian government-owned Development Finance Institution providing long-term loans, guarantees, equity investments, and fund management to corporates, SMEs, SOEs, and PPPs across agriculture, mining, infrastructure, utilities, and industrial sectors.

Ownership category

akta.pro rank

Product category

Development Finance / Investment Banking

NAICS

Credit Intermediation and Related Activities (522)

SIC

Federal & Federally-Sponsored Credit Agencies (6111)

akta.pro primary industry

National Development Banks & State Development Finance Institutions (DFIs) (BPADACAC)

akta.pro secondary industries

Infrastructure & Project Finance Development Banks (FSABAKAD), Agricultural & Rural Development Banks (FSABAKAE), Development Finance & Blended Finance Facilities (BPADAOAD), Policy Banks (Government-Directed Lending Banks) (FSABAKAM)

Keywords

• Development finance
• Project lending
• Infrastructure financing
• SME financing
• Fund management services

Headquarters

HQ city

Dar Es Salaam

HQ country

Tanzania

HQ region

Africa

Offices4 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. Interest Income from Development Loans: TIB Development Bank generates revenue primarily through interest income charged on development loans and financing facilities provided to corporate entities, SMEs, government projects, and public-private partnerships. The bank offers term loans, guarantees, equity investments, and fund management services with interest rates ranging from 4-5% per annum for agricultural financing to competitive rates for other sectors.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels5 records

Core offering

TIB Development Bank is a government-owned Development Finance Institution providing long-term development financing to Tanzania's economy. Its core offerings are term loans (up to 20-year tenor), guarantees, equity investments, advisory services, and fund management, delivered alongside sector-specific financing windows for Agriculture, Mining, Industrial, Infrastructure, Utilities, Transport and Communication, Service, and SME segments.

Product overview

TIB Development Bank is a Development Finance Institution (DFI) established under the Tanzania Investment Bank Act of 1970, providing development financing to the Tanzanian economy. The bank's product portfolio consists of a unified set of development financing products organized by sector and loan type. Core products include Term Loans (up to 20 years tenor), Guarantees Product, Advisory Services, Equity Investment Solutions, Fund Management Services, and SME Financing. These are complemented by sector-specific financing products covering Agriculture, Mining, Industrial, Infrastructure, Service Sector, Utilities, Transport and Communication sectors, plus Tailor-Made Financing Solutions that offer specialized facilities for Agricultural Development, Renewable Energy, Community Water Supply, and Project Preparation. The bank primarily targets government projects, private sector development, and public-private partnerships with loan tenors ranging from 6 months to 20 years and interest rates structured to be affordable for development projects.

Differentiator

Problem solved

Functional benefit

Products and services

• Term Loans

Named customers7 records

Segments6 records

Ideal customer profiles6 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Six partnerships are on record, tiered core and minor.

• TANROADS (Tanzania National Roads Agency)coreStrategic or Co-development Partner · 1 January 2005TIB provides infrastructure financing for national road projects developed by TANROADS in collaboration with government.
• TARURA (Tanzania Rural and Urban Roads Agency)coreStrategic or Co-development Partner · 1 January 2005TIB collaborates with TARURA on rural and urban road infrastructure financing projects.
• TCAA (Tanzania Civil Aviation Authority)minorStrategic or Co-development Partner · 1 January 2005TIB provides financing for airport infrastructure projects including terminals and related facilities.
• SIDO (Small Industries Development Organization)coreStrategic or Co-development Partner · 1 January 2005TIB partners with SIDO for industrial development and SME financing programs including business park development.
• EPZA (Export Processing Zones Authority)coreStrategic or Co-development Partner · 1 January 2005TIB collaborates with EPZA on export-oriented industrial development and infrastructure financing.
• Local Government Authorities (LGAs)coreStrategic or Co-development Partner · 1 January 2005TIB partners with LGAs for municipal infrastructure financing including satellite cities, bus terminals, and market modernization projects.

Scale indicators2 records

Recent moves2 records

Direct peers

• Development Bank of Ethiopia (DBE): Ethiopia's national development bank providing long-term financing for industry, agriculture, and infrastructure. Comparable as an East African state-owned DFI serving similar development mandates, with similar reliance on government policy direction and concessional partner funding.
• Trade and Development Bank (TDB): Eastern and Southern African trade and development bank providing project finance, infrastructure lending, and trade finance across multiple African countries. Comparable to TIB in product breadth (term loans, guarantees, equity) and multilateral partner relationships, but operates at a regional rather than national scale.
• Bank of Industry (Nigeria): Nigeria's federal development finance institution focused on industrialization, SME, and manufacturing financing. Comparable in its industrial/SME financing focus, multi-channel distribution, and state-owned DFI structure.
• Kenya Development Corporation: Kenya's national development finance institution (formerly Industrial Development Bank) providing long-term financing to industry, agriculture, and infrastructure. Highly comparable as an East African peer DFI with similar government-owned status and development-focused mandate.
• Uganda Development Bank (UDB): Uganda's state-owned DFI providing long-term development finance to industry, agriculture, and infrastructure projects. Comparable as a regional East African DFI with similar sector focus, government ownership, and reliance on concessional partner capital.
• Industrial Development Corporation of South Africa (IDC): South Africa's state-owned DFI focused on industrial development, mining, agriculture, and infrastructure financing. Highly comparable to TIB's industrial, mining, and agro-processing financing mandate and its use of term loans, equity investments, and fund management instruments.
• National Investment Bank (Ghana): Ghana's state-owned development bank providing long-term financing for industry, agriculture, and infrastructure. Comparable as an African national DFI with similar mandate, government ownership, and sector focus.
• Development Bank of South Africa (DBSA): South Africa's national development finance institution providing infrastructure and development financing across multiple sectors. Closely comparable to TIB in mandate (state-owned DFI), product breadth (term loans, equity, guarantees, fund management), and focus on long-tenor development financing.

Broad incumbents

• African Development Bank (AfDB): Continental multilateral development bank financing infrastructure, industrial, and agricultural projects across Africa. Comparable as an Africa-wide DFI with overlapping sector focus, but operates at much larger scale and as a multilateral rather than national institution.

Regional players

• Africa Finance Corporation (AFC): Pan-African infrastructure development financier providing project finance, equity, and advisory across multiple African countries. Comparable in its infrastructure and industrial financing focus and use of equity, debt, and advisory instruments, but operates regionally rather than solely in Tanzania.

Market position

Strengths5 records

Weaknesses5 records

Key risks7 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/tibdevelopmentbank
• LinkedInlinkedin.com/company/tib-development-bank-ltd

Revenue estimate

Valuation estimate

Number of profiles

Profiles19 records

Funding overview

Funding rounds

Investors

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 Investment Bank