Our Background
Zambia's National Savings and Credit Bank, serving families and businesses since 1972.
NATSAVE was established in 1972 through an Act of Parliament as a Government-owned non-bank financial institution. The Bank operates under the National Savings and Credit Act, Chapter 423 of the Laws of Zambia, which authorises it to administer funds, accept deposits, operate saving schemes, make loans, and conduct banking business.
For more than five decades, NATSAVE has played a role in Zambia's financial development journey, providing financial services to individuals, families and businesses while supporting national development programmes.
Today, it maintains 38 branches nationwide and an extensive agent network, extending access to financial services across the country. The institution also serves as a partner to Government in the implementation of agricultural and other national programmes.
NATSAVE's journey continues with a renewed focus on financial inclusion, customer experience, digitalization, operational excellence and sustainable growth, building towards its 2030 vision of becoming Zambia's most trusted financial inclusion partner.
Our Journey Since 1972
- 1972
Our Beginning
NATSAVE is established through an Act of Parliament as a Government-owned non-bank financial institution.
Growing with Zambia
NATSAVE expands its role, transforming its brand and services to meet the needs of a changing Zambia.
Expanding Access
The institution develops a nationwide presence, including branches and agents that bring financial services closer to communities.
Supporting National Development
NATSAVE continues to partner with Government in the implementation of national programmes, including agricultural programmes such as the Sustainable Agriculture Financing Facility (SAFF), FRA and FISP.
A New Chapter
NATSAVE is strengthening its capabilities, customer experience, digital services, operational efficiency and governance as part of its 2026–2030 transformation.
- 2030
Our Ambition
Become Zambia's most trusted financial inclusion partner by 2030.
To provide innovative, convenient and affordable financially inclusive services to our customers.
Become Zambia's most trusted financial inclusion partner by 2030.
Our Core Values
Trustworthy
We earn trust through consistent delivery and transparent action. We honour every commitment to depositors, regulators, and shareholders. We acknowledge problems early, fix them systematically, and build reputation through disciplined performance over time, not promises.
Customer First
We place customer needs at the centre of every decision. We listen to understand circumstances, not just process transactions. We remove barriers, solve problems from the customer perspective, and measure success by customer outcomes, not internal convenience.
Accountability
We own our commitments and deliver without exception. We take personal responsibility for results, meet deadlines consistently, and escalate issues proactively. We acknowledge errors openly, correct them promptly, and ensure every person is accountable for execution.
Inclusive
We serve all Zambians with dignity, deliberately removing barriers to financial participation. We design services for the unbanked and underserved, not just existing customers. We treat every customer with equal respect regardless of account size or economic circumstance.
Excellence
We pursue operational excellence in every process and interaction. We measure performance rigorously, address gaps with urgency, and refuse to accept 'good enough'. We eliminate waste, simplify processes, and set standards others aspire to meet.