As the Bank seeks to meet the needs of the economically marginalized of Malawi, it has committed itself to the holistic change or "Transformation" of its clients. This includes providing the clients with basic information to HIV/AIDS, Financial, spiritual, Gender and social education either on its own or through strategic partners.

Through transformation programs the Bank is able to support active poor clients to gain and improve their living standards thereby restoring their Dignity, Authority, Security, Adequate provision, purpose, hope & Meaning, freedom & Appropriate boundaries, Authentic relationships & Love which gives the clients to experience the self reliance and belief.