Languages of Zambia a first or second language), Nyanja (37%), Tonga (15%) and Lozi (11%). In some languages, particularly Bemba and Nyanja, Zambians distinguish between a "deep" form of the language, associated with older and more traditional speakers in rural areas, and urban forms (sometimes called "town language" or "Chitauni", such as Town Bemba and Town Nyanja) that incorporate a large number of borrowings from English and other innovations. An urban variety of Nyanja is the lingua franca of the capital Lusaka and is widely spoken as a second language throughout Zambia. Bemba, the country's largest indigenous language, also serves as a lingua
Kasama, Zambia Codrington established a boma at Kasama and the town's central location as well as its closeness to Chitimukulu's court led to it eventually becoming the largest and dominant town of the north-eastern lobe of what became Northern Rhodesia, then later, Zambia. The town has a few modern facilities, among them are a Shoprite Checkers branch, budget stores, a local supermarket called PJT and four bakeries. The town has branches of Zambian commercial banks including Zambia National Commercial Bank, National Savings & Credit Bank, Atlas Mara Bank Zambia Limited, Standard Chartered Zambia, Cavmont Bank, Barclays Bank of Zambia and Indo-Zambia Bank