CRDB Bank (DAR:CRDB) Moat Score: 0/10 (As of Jul. 18, 2026)

Name: CRDB Bank PLC (CRDB) — Historical Annual & Quarterly Data
Creator: GuruFocus
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Author:

Vera Yuan

Director of Data and Quant Analytics at GuruFocus

Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.

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Charlie Tian

Founder & CEO of GuruFocus

Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

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What is CRDB Bank Moat Score?

CRDB Bank has the Moat Score of 0, which implies that the company might have No Moat - No discernible moat.

CRDB Bank has

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes CRDB Bank might have No Moat - No discernible moat.

CRDB Bank (DAR:CRDB) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score	Moat Level
10	Wide Moat - Exceptionally dominant and durable wide moat
8 - 9	Wide Moat - Clear and robust wide moat
7	Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6	Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5	Narrow Moat - Solid narrow moat
4	Narrow Moat - Discernible but modest moat
1 - 3	No Moat - Very weak/transient advantages
0	No Moat - No discernible moat

CRDB Bank Moat Score Related Terms

CRDB Bank Business Description

Industry Financial Services Banks

Comparable Companies

Address Ali Hassan Mwinyi Road, P.O. Box 268, Plot No. 25 and 26, Dar es Salaam, TZA, 11101

Website https://www.crdbbank.co.tz

CRDB Bank PLC is an integrated financial services provider based in Tanzania. It offers a comprehensive range of financial services catering to individuals, small and medium-sized enterprises (SMEs), and corporates. The group operates through a network of various branches, ATMs (including deposit ATMs), point-of-sale (POS) terminals, and agents across different regions. Its operating segments are: Corporate Banking, Retail Banking, and Treasury. The majority of the CRDB's revenue is generated from the Retail Banking segment, which includes services and products offered to individuals and small and medium enterprises, including remittance, digital banking, deposits, and lending, among others. Geographically, it operates in Tanzania (its key revenue-generating market), Burundi, and Congo.