tics tas De ay tssued pursuant to regulation 7 and 8 of the Banking and Financial institutions (Disclosures) Regulations, 2014 Dan aL aac ea) Coe de ee tec eee ed (eee pen eee re) Ia. ASSETS: i. Gash 12. Balances with Bank of Tanzania | 3. Investments in government securities 4. Balances with other banks and fnandlal institutions 5. Cheques and tems for clearing |: Inter Branch fot tems ci = | 8. Customers‘lablities for acceptances 9. Interbank loans receivables: | 10. investment in other securities Special deposits = = 1. Payment orders/transfers payable = 22. Bankers’ cheques and draft issued 5 3, Accrued taxes and expenses payable oa ‘Acceptances outstanding = 5. nterbranch float tems ‘Uneammed income and other deferred charges a | 27. other Habiities 28. Borrowings {31 Paid up share capital - 30912 132. Capital reserves - = 133. Retained Earnings I (4,445) (so) 34. Profit (Loss) account (4,062) (4827) 35. Others capital accounts (Advance towards share capital) 5,000 : Minority interest - ei 7. TOTAL SHAREHOLDERS’ FUNDS 17a05 6a67 '38. CONTINGENT LIABILITIES — [39 Non performing loans & advances 140. Aiowances for probable losses. lai Other non performing assets ‘SELECTED FINANCIAL CONDITION INDICATOR + Shareholders Funds to Total Assets Non Performing Loans to Total Gross Loans ‘Gross Loans and Advances to Total Deposits Loans and Advances to Total Assets = Earning Assets to Total Assets Deposits Growth Assets Growthce ea aorsi Deen t re ea) Pree Meet) i. Interest income 2,770 2,936 z 698 347 [5 Impairment losses on loans and advances [6. Non- interest income: ‘G:1 Foreign currency dealings and translation gains/{loss) 6.2 Fees and commissions 6.3 Dividend income 64 Other operating income [7. Non interest expenses 71 Salaries and benefits 7.2 Fees and commission. 7.3 Other operating expenses 4,398 [832] Income tax provision C3] | (4827)) [| 2 {i) Return on Average Total Assets {i) Return on Average Shareholders Funds ii) Non Interest Expense to Gross Income (iv) Net interest income to Average Earning AssetsCee Cae tet ad port eet ear) re rae Ce Perse Meee ie) Cash flow from operating activities: - Net (ss profit before tax aia ~Aadustment for: ~ Imppirement/amortsation/depredation 3710 = Net change In loans and advances 3.108 Net change in deposits 3288 Net change In short term negotiable securities (27) Net change in other fables (76a) ‘Net change in other assets Tax paid ‘Net cash provided (used) by ‘ash flow from Investing activites: Dividend received Purchase of fixed assets =Proceets from sale of fiued assets Purchase of non-dealing securities Proceeds from sale of non-dealing securities Others : 3 ‘Net cosh provided (used) by investing activities ct nee Cash fow from financing activities: = Repayment of long term debt = Proceeds from issuance of long term debt = Proceeds from issuance of share capital Payment of cash dividends Net change in other borrowings IV. Cash and cash equivalents: Net increase/(decrease) in cash and cash equivalents =Cash and cash equivalents atthe beginning of the year “Cash and cash equivalents atthe end of the yearfirs z nee (ao) Eo oy oreo ete Meee La eed Se sro rar ree es Men Tho Titer tr eeParacel as} ela aAsuls te esc ie re) In preparation of the audited financial statements, consistent accounting policies have jal statements Richard L. Makungwa AQ 14 April 2021 (Chief Executive Officer) ne Selemani Kijori pe 14 April 2021) (Head of Finance) Patrick Mashallah . 14 April 2021 \(Head of internal Audit) |We, the undersigned directors, attest to the faithful representation of the above ‘statements. We declare that the statements have been examined by us and, to the best of our knowledge and belief, have been prepared in conformance with international Financial Reporting Standards and the requirements of the Banking and Financial 11 Francis Ramadhani 2/Celestin MugangaMAL 1. Fedha Tastimo 2, Salo katika Ben Kau ya Tanzania 3. Uwekezajikatika Amana za Seika 4, Sali Katika Benkinyinginena Taasisl a Yedha 5: Hund! na Miamala ya Kushughulkiwa {6 Miamala Baina ya Matavi 7B Zizoafkiwa '& Dhima za Wateja Ziokubalka 9. Mikopo iliyotolewa kwa Berk Nyingine 0. Uwekezajikatika Amana Nyingine 3. Mikopo Halls, 2. Mali Nyingine 13. Uwekezal wa Hisa 4, Akaunt za udhamink 5. Mall Zsizohamishita, Mitaribo na Vifaa (6.JUMIA YA MAU BHM: 17. Amana za Benkinyingne na Taasl va feaha [t8. Amana va Wateja 19. Dhamana yo Malo kwa Fedha Tasiimu 0. Amana Malurna i. Maagizo ya Malipo/Fedha za Kuhamisha 2. Hund na Hawala za Kiberk Zilzotolewa 3. Limbiko la Kodi na Gharama Zitakazolipwa 4, Dima fa Tozo kw All ya Usuluhish Sain ya Genki na Wij 5. MiamalaIsiyoshughulkiwa Baina ya Matawi 6. Mapato yaliyoingia ya Kipindl Kjacho na Tozo nyngine Ztakazoipwa Baadae 7. Dima Nyingine 8. Madent 9. JUNLA YA DIMA 'MAUI{(DHIMA) HALIST - FEDHA ZA WANAHISAS i. Malwa Hisa Ulilipw 2. akiba ya Mall [3. Mapato Yaiyobakicwa f4.Faida (Hasara) ya Kipindl Husika [3 Alaunt Nyingine za Maj 36. Stahiki ya Wenyehise Chache 7. JUMILA YA FEDHA ZA WANARISA ‘DHIMA ZISIZO DHAHIRI 39. Mikopo Chechefu lao. Tengo kwa Aji ya Mikopo Chechefu i Mali Nyngine Chechetu [D. BAADHI YA VIASHIRIO VYA HALI VA KIFEDHA = Uwiano wa Fedha 2a Wanahisa na Jumla ya Mill =Uwiane wa Mikopo Chechefu na Juma ya Mikopo Ghafl = Uwiane wa Mikopo Ghafi na umla ya Amana ~Uwiano wa Mikopo Falisi na Jumla ya Mall Halls = Uwiane wa Mali Zinazozalisha na jumla ya Mall ‘Ongezeko ia Amana ~Ongezeko la Males era eee PUNO hor Ca ec a Ty Pontoon nr te mee alee Pree eee Pee sc) 2,770. (3: Mapato Halisiya Riba (1 kutoa 2) |4. Madeni Viza Yaliyofutwa 5. Punguzo/Ongezeko la tengo kaka Mikopo I WapataYasio ya it ‘6.1 Faida (Hasara) Zitokenazo na Miamala ya Fedha za kigeni 6:2 Ada na Kamisheni 63 Gawi 4 6.4 Mapato Mengine SSS SS SSS SSS [7. Gharama Zisizo 7a Riba are 7735 7 Mishahara na Mafao 3,337 72 Ada na Kamisheni 73 Gharama Nyinginé Yaliyojumuishwa ‘umia ya Faida (Hasara) iiyojumulshwa kwa mak 4. Mapato kwa Hisa 115. Idadi ya Matawi DHI YA VIASHIRIO VA UFANIST = Uwiarno wa Faida kabla ya Kodi na Wastani wa Mali = Uwiano wa Faida baada ya kodi na Wastani wa Fedha za Wanahise = Uwiano wa Matumizi Yasiyo na Riba na Mapato Ghafi ~Uwiano wa Mapato Halisiya Riba na Wastani wa Mali inazozalishaOn nor Ca eet ea) eterna) IL Murrko wa Fedha Kutokana na Shughull za Uen ‘Mapato (Hasara) Hash al Peery Peer ey rea ary 31-Disemba-2019 Marekebisho kw Aji yar = Hasara latika Mall ~ Bacliko Hai Katika Mikopo ~Mabadllko Halis Katika Amana’ = = Mabadilko Halsi Katika Amana za Muda Mfupi Ziizoafkiva = Mabadilko Has Katika Dhima Nyingine = Mabadilko Has Katika Mali Nyingine od liyolipwa =Mengi Fedha alist silzotolewa(allactumika) kwa shughull za vendeshaj i. Mtiriko wa Fedha Kutokana na Shughull za Uwekezaji: =Gawio Uillopokewa = Ununuzl wa Mall za Kudumna = Mapato Kutokana na Mauzo ya Mall za Kudum ‘Ununual wa Amana Zisizoshughulkiwa na Mawakala ——— = Mapato Kutokane na Mauzo ya Amana Zisizoshughulikwa na Mawakalz [i Miirriko wa Fedhs Kutokana na Shughull za Kifedha: + Ulipaj wa Madeni ya Muda Mrefu ~Mapato Kutokana na Utoafi wa Madeni ya Muda Mrefi + Mapato Kutokana na Utoafi wa Mt wa Hise = Gawio Ullolipwa kwa Fedha taslimu ~ Mabadilko Halls Katka Madeni Mengine = Mengineyo (Mia tangulizi) Fegha HalisZilizotolewa (zlizotumika) kwa shughul za Kitedhs 375 IV. Fedha Taslimu na Mall Zinazofanana na Fedha Tasimu: = : | = Ongezeko / Punguzo Has katika Fedha Taslimu na Mali inazofanana ne Fedha 210 2,598 Fecha na Mal Zinazofanana na Fedha Taslimu Mwanzoni mwa Robo Mwaka/Mwé 4275 1,585 “= Fedha na Mali Zinazofanana na Fedha Taslimu Mwishon! mwa Rabo Mwaka/Mwal 4485 4278ee Ses Breet ey Cy “2 cat) SreeBAADHI YA MAELEZO COLIN ACN EE ae ed Katika kuandaa taarifa hizi za fedha, sera za vandaaji ni zilezile zlizotumika wakati wa zokaguliwa za mwaka uliopita Richard L. Makungwa . ow 14 Aprili 2021, 14 Aprili 2021, za hapo juu, tunatamka kwamba tumezitathmini taarifa hizi, na kwa uelewa na mani yetu kubwa zimeandaliwa kulingana na viwango vya Kimataifa vya Uwasilishaji Taarifa za Fedha na matakwa ya sheria ya benki na Taasisi za Fedha ya mwaka 2006, Francis Ramadhani 14 Aprili 2021) 2/ Celestin Muganga - - 14 Aprili 2021,