Growing - Maendeleo Bank PLC

Transcription

Maendeleo Bank
Annual General Meeting
2015
Maendeleo Bank
Growing
to serve you
FINANCIAL HIGHLIGHTS
Assets
Deposits
Profit and Loss
Annual General Meeting 2015
Loans and Advances
Maendeleo Bank
Growing
to serve you
TABLE OF CONTENTS:
Vision and Mission Statements 2
Notices of Annual General Meeting
2
Minutes of the First Annual General Meeting
3
Matters Arising from the First Annual General Meeting
17
Director’s Report
18
Board of Director’s
29
Management Team
30
External Auditors Report and Financial Statement of the Bank
30-36
Board of Directors Remuneration
37
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Maendeleo Bank
Growing
to serve you
1.0 VISION AND MISSION
STATEMENTS
Vision
“To become the premier bank in Tanzania, which
is customer need driven with competitive returns
to shareholders”.
Mission
“To grow our business whilst investing on
communities that we serve and improving the
lives of our employees. We strive to provide
competitive and innovative financial services to
all stake holders and the society”.
2.0 NOTICE OF THE SECOND ANNUAL
GENERAL MEETING:
Notice is hereby given that the Second Annual
General Meeting of the Shareholders of
Maendeleo Bank PLC will be held on Saturday
30th April 2016 at the DIAMOND JUBILEE HALL,
Dar es Salaam from 09:00 am.
The Agenda will be as follows:
1. Adoption of the Agenda for the 2nd Annual
General Meeting.
2. Confirmation of the Minutes of the First
Annual General Meeting
3. Matters Arising from the First Annual
General Meeting
4. To receive Directors Report for the Year
ending 31st December 2015.
5. To receive and discuss External Auditor’s
report and the Audited Financial Statements
for the Year ending 31st December 2015
6. To Receive and Approve Director’s
Remuneration for 2016
7. To Receive and Approve Appointment of
External Auditors for the Year ending 31st
December 2016
8. Any Other Business
9. Next Annual General Meeting
10. Closure of the Meeting
NOTES
1. A member wishing to attend the meeting
will do so at his/her own cost and must
come with his/ her depository receipt (share
certificate) together with voter’s card or
employment ID or valid passport book or
valid driving license for identification. Copies
of the Annual General Meeting Reports
and proxy forms will be available at the Head
Office situated at Maendeleo Bank, Luther
House, Sokoine Drive - City Centre effective
from 25th April 2016.
2. A member entitled to attend at the meeting
and who is unable to attend, can appoint
a proxy to attend on his/her behalf by
submitting his/her name to the Managing
Director at Maendeleo Bank PLC not less
than 48 Hours before the time of meeting.
In case of corporate body, the proxy must be
under its common seal and must come with
a copy of depository receipt.
3. There will be a seminar to all Shareholders
on interpretation of financial statements
and the benefits of owning shares in a listed
Company on the same day between 9.0am
and 10.0am.
4. Shareholders’ proposals should be
submitted to the Bank’s Head Office not
later than 12.00 noon on 28th April 2016.
BY ORDER OF THE BOARD
....................................................
Ibrahim Mwangalaba
MANAGING DIRECTOR AND SECRETARY TO THE BOARD.
April 2016
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Maendeleo Bank
Growing
to serve you
MINUTES OF THE FIRST ANNUAL GENERAL MEETING (AGM) OF THE MAENDELEO BANK PLC HELD
ON 16TH MAY 2015 AT THE ELCT MSASANI TOWER HALL, DAR ES SALAAM.
Present:
Shareholders
United Evangelical Mission
Represented by Rev. Chediel Sendoro
ELCT- Eastern and Costal Diocese
Represented by Mr. Godfrey Nkini
Other Shareholders
(as per the attendance register)
Directors
Mr. Amulike Ngeliama Chairman
Mrs. Dosca Mutabuzi
Vice Chairperson
Amb. Richard Mariki Director
Mr. Naftal Nsemwa Director
Rev. Ernest KadivaDirector
Mr. Felix MlakiDirector
Mrs. Anna MzingaDirector
Mr. Ibrahim Mwangalaba
Managing Director/Secretary
In Attendance
Mr. Saleh Ibrahim Bank of Tanzania
Mr. Nassoro Omary Bank of Tanzania
Mr. George Fumbuka
Core Securities
Mr. Jonathan Swalala
Core Securities
Mr. Irvin Manning
Independent Auditor – Innovex
Mr. Lloyd Zhungu
Independent Auditor - Innovex
Mr. Peter B. Tarimo
Internal Audit
Mr. George Wandwalo
ICT Manager
Ms. Margaret Msengi
Luther House Branch Manager
Prior to the commencement of the meeting,
shareholders received a one hour seminar on how to raise
capital for listed companies which was facilitated by Mr.
George Fumbuka of Core Securities Ltd.
Thereafter, the Chairman opened the meeting by
welcoming the Shareholders, Directors and Management
team to the First Annual General Meeting. He welcomed
ELCT Head and ELCT-ECD Bishop Dr. Alex Gehaz Malasusa
who greeted the shareholders with the word of
encouragement.
Having noted the presence of ELCT-ECD General
Secretary, ELCT-ECD Deputy Secretaries, Bank of
Tanzania (BOT), Uchumi Commercial Bank, LUICO,
Core Securities and Consultant Mr. AltemiusMilinga it
was agreed that there was enough quorum to start
the meeting in accordance with Company’s Articles of
Association. The meeting started at 10.30 am.
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Maendeleo Bank
Growing
to serve you
1.
Adoption of the Agenda
There was a proposed one addition agenda which
was about ratification of appointment of Directors,
after those changes then the following Agenda
were adopted.
bank’s authorized share capital is Tshs. 30.00
billion. While the issued and paid up capital is Tshs.
4.5 billion, the bank had limited capital to support
expansion plans for the year 2014 which called
for Bank of Tanzania to issue a letter directing
the bank to raise additional capital in order to
obtain approval to open the requested additional
branches.
1.Adoption of the Agenda for the First Annual
General Meeting.
2. To Receive Directors Report.
3. To Receive External Auditor’s Report and
Financial Statements for the Year ending 31st
December 2014
4. To Receive, Discuss, and Approve the Proposal
to Raise Capital of the Bank
5. To ratify appointment of Directors.
6. To Receive and Approve Director’s
Remuneration
7. To Receive and Approve Appointment of
December 2015
8. Any other business
9. Closure of the meeting
10. Date of next meeting
2.
a. Raise bank’s capital position by at least Tshs.
1.50 billion,
b. Raise bank’s total assets to Tshs. 34.8 billion;
c. Provide corporate lending, medium loans,.
Solidarity Group Loans
d. Strengthen Agribusiness loans
e. Mobilize Deposit to the tune of Tshs. 20.0 billion
f. Open at least one new branch
g. Establish agency banking and introduce mobile
phonebased savings and loan products.
The members received and adopted the Director’s
report as presented by both the Chairman and
Managing Director. They further congratulated the
Board and Management for the good performance
of the bank for the period under review.
To Receive Directors Report.
The Board Chairman and Managing Director
presented the bank’s performance to the
Shareholders for the period ending 31st December
2014.
Reported that during the financial year 2014, the
bank recorded a loss of Tshs. 281.23 million against
a targeted loss of Tshs. 1.0 billion.
Reported further that the bank attained total
deposits of Tshs. 15.80 billion against a target of
Tshs. 7.10 billion. Loans and advances reached
Tshs.7.60 billion against a target of Tshs. 4.60
billion. Total asset of the bank reached Tshs. 19.70
billion for the year against Tshs. 10.40 billion which
was targeted in the financial year under review.
Shareholders were informed that the bank was
listed at the Dar es Salaam Stock Exchange on
5th November 2013, making the bank to be the
first and the only bank to be listed at DSE at its
establishment stage through the Enterprise
Growth Market (EGM). Before the listing, the shares
were sold at Tshs. 500/- each but soon after listing
the share price rose from Tshs. 500/- to Tshs. 600/per share being 20% increase.
Shareholders were further informed that the
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Furthermore, the shareholders were informed that,
in financial year 2015, the bank had the following
plans:
3.
To Receive External Auditor’s Report and
Financial Statements for the Year ending 31st
December 2014.
The financial statements for the year ending
31st December 2014 were presented to the
Shareholders by the External Auditors (Innovex).
The auditors confirmed to the Shareholders that,
the books of accounts were correctly kept; a clean
certificate of accounts was recorded by the bank.
The Shareholders received and adopted the
External Auditor’s report and Financial Statements
for the year ending 31st December 2014. They
further directed as follows:
a. The Bank to arrange training to shareholders
on how to read and interpret the financial
statements as most of the Shareholders do not
know what those financial statements means.
b. In future External Auditors are not needed
to attend the Meeting as the presentation of
audited accounts and financial statements can
be done by the Management on behalf of the
Board.
Maendeleo Bank
Growing
to serve you
4.
To Receive, Discuss and Approve the Proposal
to Raise Capital of the Bank
The Agenda was presented by the Maendeleo Bank
Managing Director by informing shareholders that
in the Five Years’ strategy, the bank had planned
to open at least one branch per year starting from
2014.
It was further revealed that in its effort to execute
this plan, the Board approved opening of two
branches in year 2014 which was later declined by
Bank of Tanzania. Bank of Tanzania didn’t approve
the request to open the branches, with reason that
the bank’s capital can’t accommodate the costs of
setting up these new branches. Instead, the Bank
of Tanzania directed the bank to inject at least Tshs.
1.50 billion to facilitate the requested expansion
and other operational costs of the bank.
bank. In order to comply with the regulators, the
bank sponsor had to appoint the Directors to get
the bank fulfill the licensing requirements. The
names of the directors were forwarded to the Bank
of Tanzania for vetting and approval which was
successfully done.
Shareholders were requested to ratify the
appointment of Directors done by the Bank’s
sponsor.
Resolution: The Shareholders received and
unanimously resolved to ratify the appointments
of the Directors for three years term commencing
from 16th May 2015.
6.
Shareholders were further informed that it should
be understood that the BOT’s demand on our bank
to beef up capital is not optional; therefore we have
to look for the best way to comply.
Reported that during the first year of bank
establishment, Directors agreed NOT to be paid
Director’s fee and meeting allowances taking into
consideration of the state of the start-up bank.
Directors started receiving allowances in 2014
though they were below the market pay out rates.
Shareholders were told on various alternatives
towards raising the capital;
a. RIGHTS ISSUE – Raising capital through sale
of shares to the existing Shareholders before
issuance of new shares to the entire public
through an IPO.
b. MERGERS - the bank may decide to merge
with another bank or company with the aim of
beefing up its capital.
c. RAISE CAPITAL THROUGH EQUITY – there are
a number of interested companies who have
money and they are looking for business to
invest into.
The
Shareholders
noted
the
impressive
performance of the bank during the first years of
operations which were highly contributed by the
commitment of the Board.
Basing on this good performance of the bank, the
Shareholders resolved to approve the allowances
as follows:
a.Annual directors’ fee for Chairman to be Tshs.
1.50 million instead of the proposed Tshs. 1.0
million while other Directors annual fee would
be Tshs. 1.0 million net of taxes.
b.Sitting allowance for Chairman to be Tshs.
550,000 instead of the proposed Tshs.500,000
while Directors’ sitting allowance would be
Tshs. 500,000 net of taxes.
Shareholders received, discussed the various
modes of increasing the Bank capital and adopted
the raising of capital through rights issue followed
by issuance new shares.
Resolved: to allow Board and Management to
proceed with the arrangement to raise capital and
report the progress in the coming Annual General
Meeting.
5.
Ratification of Directors
The shareholders were informed that during
establishment of the bank it was required to
have Board of Directors in order to comply with
regulatory requirement for establishment of the
To Receive and Approve Directors’
Remuneration
The Management tabled before the Meeting the
proposed remuneration for Directors.
7.
To Receive and Approve Appointment of
December 2015
The Shareholders were informed that according to
the Banking and Financial Institution (Independent
Auditors) regulations, 2008 requires that every
bank or financial institution shall appoint annually
an independent auditor.
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Maendeleo Bank
Growing
to serve you
Shareholders were further informed that Innovex
had audited the Bank for two terms, i.e. years
ended 31st December, 2013 and 31st December
2014. According to Banking and Financial
Institutions ( Independent Auditors) Regulations,
an Independent Auditor is allowed to audit the
same financial institution for a continuous period of
four years.
Shareholders were informed that the previous year
auditor, Innovex, is willing to continue and that
the Board managed to negotiate with Innovex to
charge a fee of Tshs.20.0 million inclusive of taxes.
The Shareholders received the proposal and
resolved to appoint Innovex as an External Auditor
for the year 2015 at a fee of Tshs. 20.0 million VAT
inclusive. However, it directed the Board in future
to be submitting at least three quotations of
interested External Auditors to enable competitive
selection.
8.
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Any Other Business
The shareholders commended the Board of
Directors and the bank’s Management and were
satisfied with their performance.
There being no other business, the Chairman
thanked the Shareholders for their participation
and contribution to the meeting.
9.
Next meeting
The Shareholders resolved that the next Annual
General Meeting be held within four months after
year end. The date and venue to be determined by
the Board.
10. Closure of the Meeting
The meeting was closed at 2.00p.m
………………….........
…………………..............
ChairmanDate
……………………......
……………………..........
SecretaryDate
Maendeleo Bank
Growing
to serve you
ATTENDANCE REGISTER FOR THE FIRST ANNUAL
GENERAL MEETING HELD ON 16TH MAY 2015 AT
THE ELCT MSASANI MULTIPURPOSE HALL, DAR ES
SALAAM.
SN
NAME
1
ANNA E MURO
2
MATIDA MWAWA
3
MARIETHA SHIRIMA
4
DOSCAR VUHAHUWA
5
MARY N MUNAURE
6
AOWILIMA F KIMAMBO
7
USHARIKA WA VITUKA
8
NOAH LAMAVAN
9
EDITHI A LWIZA
10
JASMINA MSHANA
11
MUSSA J MANGUBE
12
EMII W KALIMBO
13
ANNA J MALAMBUGI
14
DAVID TIMOTHEO SHUMA
15
MARY E KYARA
16
JULIANA ETHATA KIMAMBO
17
LEONIDA LEONIDAS NDAMUGOBA
18
MAEGARETH ELIAS MNZAVA
19
NEEMA ELIAS MNZAVA
20
NILIWAKA HOSEA SANGA
21
BERTOLD TOMAS NJAWIKE
22
ELIVIDA GURAIDI ANGOVI
23
CHRISTINA MADALO
24
MECKSON
25
LEAH B MWANKONJA
26
REV LEAH MWANKONJA
27
AILEEN PEACE MUSHENDUA
28
CHARLES CHAROKIWA MASUMAI
29
EMMA TIMOTHY KIBAKAYA
30
EV FRANK JAMES MWAKALASYA
31
JEMES MICHAEL SANDE
32
SYLVESTE MAHUNDA
33
EV AINEA Z LYMO
34
CHRISTINA MATERU
35
CHARLES MARELO
36
JACKSON YESUSA MREMA
37
ALLAN B MKONYI
38
FLORA G URONU
KILEWO
39
ENESIA KISINDA
40
INVIOLATA B KYANDO
41
LULU ZABRON
42
SELESTINE G UMELA
43
SADIKIEL E NYANG
44
MABIBO EXTERNAL FELLOWSHIP
45
ELIAIHO R TALALA
46
EV JACOB B KIRWAY
47
GLADNESS R TEMBA
48
ANALOISE K MAFURU
49
NITISILE M SIMINEA
50
FELIX S NYAKACHEWA
51
TUMSIFU GIDEON BARNABAS
52
ERNESTINA P MASANJA
53
FLORA J HUMBO
54
CATHERIN T KOWERO
55
NORAH GOODLUCK MOSHA
56
RICHARD F KIBWANA
57
FREDRICK J KIMARO
58
ELIWANG R MAKUNDI
59
JACOB MOLLELY
60
LUCY B LUGOME
61
JOYCE I MSHAHARA
62
EUNICE MANASE MACHURANE
63
THOMAS OMARY NYUMBA
64
NICODEMOS D LEKEI
65
ANDREA FREDRICK UTOU
66
REV ERACTO J AILLA
67
LUCY ANATORY
68
VERONICA ALOYCE MALLYA
69
LILIAN T MAGESSA
70
ESTHER K MSUYA
71
LUIANA H SAM
72
ARON G MONG
73
ENEDY AINAINY TEM
74
MOSES SOZINGWA
75
EVELYN G YAMAT
76
SUZAN J MBAGO
77
TUPOKIGWE WILSON KYANDO
78
ELIZABETH DASTAN KAMNDE
79
DASTAN KAMNDE
80
QUEEN MOSES SWAI
81
JULIANA JUBLATE URASA
82
JOSIAH B GERVAS
83
JOB JOAB MWAISAKA
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Growing
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84
JANE BUSSA BASEKA
129
USHIRIKA MTAA WA VIKINDU
85
LILIAN BENJAMIN SIKAWA
130
GODBLESS ELISHIRINGA NGATARA
86
GRACE ADRIAN MBAWALA
131
NIVONEIA STUART MGUMYA
87
ROSETAS H MUNUBI
132
MELKIZEDECK JACOB MTUI
88
JACKLINE MACHIBYA
133
VIOLETH MELKIZEDECK LYAMUYA
89
BEATRICE E MJEMA
134
JULIUS BETUEL MATOWO
90
JAPHET A LUMANGA
135
ELIMBINZI ELIARINGA KIMAMBO
91
ELIZABETH T MASSAWE
136
TIMOTHY NOBERT KIRWAY
92
MILLE S MBWILO
137
MTAA WA PUGU SEKONDARI
93
HULDA WILLIAM MSANGI
138
PARMENAS GURISHA KISIMBO
94
STELLA JOSEPH MASASI
139
MARTHA MWAKAMYANDA
95
ORCHESTA REYNOLD MLAY
140
EVELYNE MATHIAS GALIBONA
96
NISAMEHE KING’HOMELLA
141
ROSE JACKSON KIHIYO
97
PERIS KAVISHE
142
REV.REMMY AARON CHUMA
98
EVA S KIMARO
143
NOAH LAMAYAN
99
HALELUYA NGAO
144
CHALSE MARELO HITIRA
100
LILIAN WALTER NGAO
145
RESTITUTA F. JUAKALI
101
NICKSON N MANGON
146
REV DR.MWATUMAI MWANJOTA
102
UPENDO J NITUME
147
NASRA MSAFIRI DAUD
103
MIRIAM J NITUME
148
GODBLESS REMMY CHUMA
104
SALOME F NJAU
149
EV KAUNDA TUYAINE KENSE
105
WIN ERASTO AILLA
150
PRAYGOD ELIA NJIRO
106
HAPPY ERASTO AILLA
151
VICTOR OMBENI
107
DOMINO MINJA
152
CLEVER VICTOR OMBENI
108
GETRUDA MINJA
153
109
HILDA DAIMON
154
ELICE GODMAN MUNUO
110
GELLITE LUKUTA
155
ESSA THOMAS LYIMO
111
JUDITH J MGAYA
156
BRYSON THADEI NZIKU
112
ELISARIA B CHUWA
157
LAWRENCE RAMADHAN NCHWALA
113
JULIETH C MOSHY
158
GODCHANCE GEOFREY URIO
114
RWEHABULA W FELIX
159
STANLEY JUSTO MWANRI
115
HILDA MBOWE
160
VICOBA KIWALANI A
116
STELLA PATRICIA MAKOMBE
161
ELIWARIO ASAELI ISSANGYA
117
AUGUSTINE NTAMUHEZA
162
FRANCIS RAPHAEL KIBWANA
118
ALEX ABEID MTTUI
163
MARTIN JOSHUA SAMEJI
119
RUTH MAHANYE
164
PARTRICK ASTERIUS MBEYA
120
EVERREST E KIMARO
165
VICTORIA HANDERSON PHIRI
121
JESCA UISSO
166
CAROLYINE SYLVIA JERRY WASLEY
122
ELLA NG’ONDYA TUMBWENE
167
EMMANUEL MARKO MANU
123
ALLAN EMILLY
168
JULIA KOKWEMAGE KASHULA
124
JOHN M JOHN
169
LAZARO MDANGANYA MASEGESE
125
SHIFWAYA ANATE LEMA
170
MAGOKE ALPHA MAGOKE
126
JOYCE M MLIMBA
171
LEONIDA EDWARD BARONGO
127
PETRO A MNZAVA
172
KORODIAS SHANSIMBAELI SHOO
128
PENDAEL J SINGA
173
JOSEPHINE MARTIN SHEMKAI
174
CAROLYINE JOHN LYATUU
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175
FRANK JAMES MWAKALASYA
221
MRS KAZAINA ELINAJA LYIMO
176
YUDA MWEMBENI DAUDI
222
VERONICA SOLOMONI KIONDO
177
BRINA MARTIN MUNG,ONG,O
223
EMMANUEL LUCAS KAYAMBA
178
ITB -LUTHER HOUSE
224
AMOSI JOSEPH MNTAMBWE
179
ELIAINASA MARKO NJIU
225
LASTWORD JOHN MSHANGA
180
JUDITH JONATHAN MGAYA
226
FARAJA BRAITON MWAKAGALI
181
USHARIKA WA MUHIMBILI
227
HAMISI JUMA MLANGILA
182
MILLE MBWILO
228
FREDICK KIIZA KALOKOLA
183
PAUL PETRO MUNISI
229
WILLIAM J MDUNDO
184
ZILPAH EZEKIEL MASSARO
230
HEZRON CHESSAM MKIWAO
185
GODA THOBIAS JEREMIAH
231
COSMO SHADRACK MUNUO
186
MR ELIMLINZI PETER TERRY
232
HESABIA JILAONEKA MWALONGO
187
DOVYA LUTHERAN CHURCH SACCOS
233
RAHABU ASAGILE
188
REHEMA PHILEMON KAGUO
234
SAMSON JOHN FONGO
189
SALOME MANFORD IMUNU
235
MASTIDIA FELICIAN NDYOMULWANGO
190
MICHAEL UPEPO MSENGI
236
AMEN JONAS SAWE
191
LINERUSE RICHARD TARUMO
237
SUBIRA J MWAKAJIRA
192
GODLISTEN GODFREY MALISA
238
JAPHET MILANGTON LUMANGA
193
NISALILE MANASE MGONZO
239
FLORA JACKSON HUMBO
194
ELIKA ELIMELECK MALISA
240
ANNA N MWAMASENJELE
195
RICHARD FRANCIS KIBWANA
241
JOHN MLEKO MOSHI
196
JULIUS AMAN DEMBE
242
197
EMMAUEL TITO HAULE
243
ANIN MBORA MWASHA
198
KARIAKOO LUTH SACCOS
244
CHRISTINA LUCAS MATERM
199
ANNA EBEN MURO
245
HIGHINESS SALEHE KAIRA
200
EMMAUEL EBEN MURO
246
AGNESS MBOMA
201
HUMPHREY EBEN MURO
247
LIVINGSTONE MWESIGWA KYARWENDA
202
ANNA PASKALI MVUNGI
248
MAGDALENA SAID OMARI
203
249
GEORGE SAMANI MKUMBURU
204
VERONICA SOLEMONI KIONDO
250
STEPHEN KAISER LAIZER
205
EMANUEL LUCAS KAYAMBA
251
TOGOLAN MPARE PIMA
206
252
MR AND ,MRS MWAIKEMWA
207
LASTWORD JOHN ATSHANGA
253
ALLAN EMILY KABITINA
208
254
ROGZENA ESTONIHI MSAKI
209
255
ROBERT CHARLES LYIMO
210
FREDRIC KIIZA KALOKOLA
256
VENANCE DEUSDEDIT MTAMWEGA
211
WILLIAN J MDUNDO
257
ALBERT YOENI MSEMO
212
258
BRENDA JUBILATE KOMBE
213
ELIKA ELIMELERK MALISA
259
FLORA GODBLESS URONU
214
JULIUS AMANI DEMBE
260
BAHATI BRAYSON NYEREGETI
215
EMMANUEL TITO HAULE
261
MARGARETH ELIAS MNZAVA
216
262
NEEMA ELIAS MNZAVA
217
ANNA EBEN MURO
263
MARTIN MUCHUNGUZI KABALIMU
218
EMMANUEL EBEN MURO
264
ENEZA ELIA MATERU
219
HUMPHREY EBEN MURO
265
KELAKI ELIAS OLE SAIBULL
220
ANNA PASKAL MVUNGI
266
JOHANES B MARIKI
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ALAN JAPHET AND EZEKIELI ELIAMIN
313
VICKY MAROGOI
268
HILDA KAPIMO LWEZAULA
314
AZIZ JUMANNE KIHEMBA
269
OLIVER ELIAINONI TEMU
315
HARRIET WANGARE ZADOCK
270
IRENE JONAS MMARI
316
TAIMISY DAUDI SANGA
271
EDITHA JOHN OLOMI
317
VICTORIA & BOAZ MOLLEL
272
GEOFREY JOSIAN MATERU
318
LEAH BURTON MWANKENJA
273
NATUPU SOLOMON MWAKIFULEFULE
319
ANDREW KING’OMELLA
274
ALAN PAUL SANINGO
320
GLORY TITO NKYA
275
REV RABISANTE THEOFLO LEMA
321
CALVIN POKEA URASSA
276
AIMANA NDEMFOO URONU
322
JULIANA RICHARD HINGI
277
LEONARD WILFRED MUSHI
323
HAPPINESS HEAVENLIGHT LYIMO
278
NGUMOI NGEREZA
324
REHEMA RAYMOND KIKUI
279
GLADNESS FRANK MUNISI
325
FADHILI SALUM WAHID
280
ISAYA ONESMO SHOO
326
CHARLES W. MASUMBUKO
281
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290
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336
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338
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FRANK WILSON NGAO
881
RASHON A MWAIPOPO
837
MARILYN ELINEWANGU MKUDE
882
CHARLES A. MKILAMWENE
838
883
ELIGUARD LOIRICKNSSANYU MATERU
839
NORA GODLUCK MOSHA
884
ELIGUARD LOIRICK MATERU
840
JOSEPH JUSTICE CHUWA
885
LUTENGANO FREDRICK NHONDA
841
PRAYGOD JULIUS MINJA
886
842
ARNOLD JUSTIN MAEDA
887
ELIA GERVAS SHAO
843
GIVEN MKONYI
888
VERYNICE E. MAKUNDI
844
JULIANA MANASE NGAIRO
889
MOSES JONAS LUMBAGALA
845
MARIA DAVID KIMARO
890
SHUKURU SENKONDO
846
USHARIAK WA KISARAWE SANZE
891
JOSEPH LUSANI SANGA
847
JONAS EKANA SAM
892
HERI JOSEPH SANGA
848
MISSANGA HUSSEIN MUJA
893
REHEMA HAMZA CHAGEKA
849
894
PATRICK JOSEPH SANGA
850
SYLVIA ANDREW CHAULA
895
AMINA JOSEPH SANGA
851
GEOFREY RASIEL MASSAWE
896
VAILETI JOSEPH SANGA
852
STEPHEN SHILEREYO KIMARO
897
GODFREY OMARY KITUNDU
853
BARICK E. SHOO
898
GEDI GODFREY KITUNDU
854
DAMAS BENEDICT GWIMILE
899
MELKZEDECK G. KITUNDU
855
ERICK NELSON SWAI
900
SHASHA GODFREY KITUNDU
856
JESSICA B. MUTAFUNGWA
901
TICKEY NDILLEH KITUNDU
857
EVELYNE CHARLES KAPANABO
902
FIDELIA EXAUD URASSA
858
STEPHEN ALLELLO SWAI
903
KELVIN LAWRENCE MNDEME
859
GODLUCK AMAN SWAI
904
TOSILE LAURENT NGOWI
16
Maendeleo Bank
Growing
to serve you
MATTERS ARISING FROM THE MINUTES OF THE FIRST ANNUAL GENERAL MEETING (AGM)
OF THE MAENDELEO BANK PLC HELD ON 16TH MAY 2015 AT THE ELCT MSASANI TOWER HALL,
DAR ES SALAAM.
s/no
Agenda/
Min.no
Directive
MIN 3.
The Bank to arrange training to shareholders on
how to read and interpret the financial statements
The training has been organized and it
as most of the Shareholders do not know what
will be done today by Core Securities.
those financial statements means.
(a)
(b)
MIN 4.
Updates
In future External Auditors are not needed to
attend the Meeting as the presentation of audited
Noted for implementation
accounts and financial statements can be done by
the Management on behalf of the Board.
Resolved to allow Board and Management to The rights issue exercise was done
proceed with the arrangement of raising capital where Tshs. 3.060 billion was
and report the progress in the coming meeting.
expected. A total of Tshs. 2.83
billion was collected, which is 93%
achievement. This makes total capital
of the bank to be Tshs. 7.30 billion.
The Shareholders resolved to approve the
director’s allowances as follows:
MIN 6.
a. Annual directors’ fee for Chairman to be
Tshs. 1.50 million net of taxes instead of
the proposed Tshs. 1.0 million while other
Directors annual fee of Tshs. 1.0 million The approvals have been noted and
net of taxes was approved.
implemented.
b. Sitting allowance for Chairman to be
Tshs. 550,000 net of taxes instead of the
proposed Tshs.500,000 while Directors’
sitting allowance of Tshs. 500,000 net of
taxes was approved.
MIN 7.
The Shareholders received the proposal and
resolved to appoint Innovex as an External Auditor
for the year 2015 at a fee of Tshs. 20.0 million VAT
inclusive. However, directed the Board in future Noted for action.
to be submitting at least three quotations of
interested External Auditors to enable competitive
selection.
17
Maendeleo Bank
Growing
to serve you
5.0DIRECTORS’ REPORT FOR THE
YEAR ENDED 31ST DECEMBER,
2015
During the last Annual General
Meeting we recommended to
you, and we got your approval
for raising additional share
capital that would enable us
to improve our capital base
and be able to establish new
branches and hence open up
opportunities for the bank to
do bigger businesses. That
we have done through the
issuance of the rights issue to
which you all were requested
to participate. The exercise has
given us an additional share
capital of TZS 2.839 billion,
thus bringing the total capital
to TZS 7.354 billion. We now
have 5,567,523 new shares
each priced at TZS 510/=.
When we add these to the
previous 9,029,056 shares
we have a total of 14,596,579
shares with a total value of
TZS 7,353,964,730/= which is
enough to open at least two
branches in this year.
5.1The Board Chairman’s Statement
5.1.1 Introduction
Distinguished
Shareholders,
Ladies and Gentlemen,
Good Morning!
On behalf of the Board
of Directors, I take this
opportunity to welcome you
to our Second Annual General
Meeting of Maendeleo Bank
Plc. You will recall that on
16th May 2015 we met for our
First Annual General Meeting
which was held at the ELCT
Msasani Tower Hall whereby
we reported on the bank’s
operations for the first full year
since its inception. Today we
are reporting operations of the
bank for the year ended 31st
December 2015 with notable
success.
5.1.2
Annual Plan for the Year 2015
In the year 2015, the bank
among other things planned
to increase its total assets to
reach Tshs. 34.80 billion. The
Managing Director will report
on the achievement reached
in respect of the highlighted
plans for the year under review.
5.1.3
Capital expansion
When we opened the doors
of the bank to the public on
September 9, 2013, the bank’s
authorized share capitals was
Tshs. 30.00 billion, while the
issued and paid up capital
wasTshs. 4.5 billion.
18
5.1.4
Annual Plan for the Year 2016
The bank plans to do the
following by 31st December,
2016:
(i) Raise bank’s total asset to
Tshs.109.0 billion;
(ii) Grow Loan Book to Tshs.
55.90 billion through
corporate lending,
medium loans,
Micro and Solidarity
Group.
(iii) Mobilize Deposit to the
tune of Tshs.80.0 billion
(iv) Openat least two new
branches
(v) Establish mobile phones
based savings and loans
product.
Maendeleo Bank
Growing
to serve you
(vi) Repackage our existing
savings and personal
accounts to include
life insurance to all
depositors.
(vii) Establish Tax collection
relationship with TRA
through tax bank
system
5.1.5 The bank’s performance for
the year 2015
During 2015, the bank registered
a positive performance where
it managed to register a profit
after tax of Tshs. 189.241
million against a target of Tshs.
136.85 million being 38.30%
higher than the targeted
profit for the year. It should be
recalled that in 2014, the bank
recorded a loss of Tshs. 281.23
million. This achievement was
a result of strong dedication
and professionalism of our
staff in pursing outstanding
performance in the year
2015. My gratitude goes to
every member of our Board
of Directors for their tireless
efforts and support. The
Managing Director will give
you details of the bank’s
financial performance for the
year 2015.
5.1.6
The Audited Financials
The booklet which you have
received incorporates financial
statements for the year ended
31st December, 2015. The
Finance Manager will present
the financial position of the
bank for your discussion. Your
contributions will constitute
valuable inputs to enable us
manage the bank successfully.
Acknowledgements:
On behalf of the Board
of Directors, I wish to
register my gratitude to the
Managing Director, the entire
Management and Staff for
their valuable commitments
resulting to the level of
performance achieved.
I take this opportunity to
thank all of our customers
who have been offering a
great support to the bank
since its inception. We commit
ourselves to continue offering
quality customer services with
affordable products.
I would like to acknowledge
the support and commitment
given by the Church, especially
in their commitment to
continue investing in the bank
and the businesses which have
been extended to the bank. I
do recall the touching speech
given by the Honourable
(then) Presiding Bishop of
the
Evangelical
Lutheran
Church in Tanzania (ELCT)
and Bishop of the Eastern
and Coastal Diocese, Dr. Alex
Gehaz Malasusa, when he was
inaugurating the partitioning
of the Ground Floor of the
Luther House, to pave the way
for the Head Quarters and first
branch of Maendeleo Bank PLC
whereby after quoting a text
from Psalms 18 verse 1 the
Bishop went on to say,
“Because
of
economic
dependence, it was not
easy; it was completely not
easy to entertain the idea of
establishing a bank. … because
19
Maendeleo Bank
Growing
to serve you
our partner churches from
overseas said, ‘You can never
be able to establish a bank.’
People who depend on other
people for their livelihood
are always a burden. It is my
expectation, and it is also the
expectation of the Church,
that through this bank we shall
reduce poverty even though
our aim is to eliminate poverty
completely.”
5.2
MANAGING DIRECTOR’S
STATEMENT
On behalf of the Board of Directors, I
take this opportunity to highlight the
bank’s performance for the year ended
31st December, 2015. More details are
contained in the booklets which have
been provided to you.
5.2.1
Key objectives of the bank for
the year 2015 were to;
(i) Raise bank’s capital
position of the bank by at
least Tshs. 1.50 billion,
(ii) Raise bank’s total asset to
Tzs. 34.8 billion;
(iii) Provide corporate
lending, give medium
loans and give loans to
Solidarity Group totaling
Tshs.22.40 billion.
(iv) Mobilize deposit to reach
TZS 30.10 billion,
(v) Open at least one new
branch
(vi) Establish agency banking
and mobile phonebased savings and loans
products,
In carrying out its work the
Board is guided by those
reverberating words of the
honourable Bishop.
The Board would also like
to thank regulators for
their effective supervision,
timely and valuable guidance
extended the bank.
We register our appreciation
to Shareholders for supporting
the bank’s initiatives in
realizing its full potential
through capital injection by
participating in rights issue
exercise.
I would like to thank my
fellow Directors for their
commitments extended to this
bank. I have a great confidence
that this year 2016, will bring
better results.
Thank you for listening.
.............................................
Amulike Ngeliama
BOARD CHAIRMAN
April 2016
20
OBJECTIVES OF THE BANK
5.2.2
ACHIEVEMENTS
YEAR 2015
FOR
THE
As at 31st December, 2015,
performance of the bank were
as follows:
5.2.2.1: Deposits:
The bank managed to collect
total deposits of Tshs. 48.7
billion compared to the target
of Tshs. 30.10 billion. The bank
exceeded the target by 61.8%.
Maendeleo Bank
Growing
to serve you
5.2.2.2 CUSTOMER GROWTH:
As at 31st December 2015,
the bank had about 11,200
customers who had accounts
with the bank against the
target of 12,000 customers;
this performance was 93% of
the target.
figure of Tshs 3.40 billion; this is
a saving of 11.8%. These results
show proper cost management
of the bank without affecting
bank’s business.
5.2.2.7 ASSETS OF THE BANK
Total assets of the bank
reached TZS 54.50 billion
against the budgeted figure of
Tshs 34.8 billion being 56.6%
above the target. This shows
the strength of the bank’s
asset
signifying
improved
performance of the bank.
5.2.2.3: NEW PRODUCTS:
During the year, the bank
introduced one product which
is Agri business Loans which
enabled customers with viable
agribusinesses to get loans
from the bank. A total of Tshs.
2.60 billion has been released
as loans to 56 agribusiness
customers.
5.2.2.8 PROFIT FOR THE YEAR
The bank recorded a profit
after tax of Tshs. 177.792
Million
against
expected
profitof
Tshs.
136.85
millionfrom a loss of Tshs.
281.23 million registered in
2014. This shows how the bank
is performing well to the extent
that losses are recovered fast
which eventually will realize the
breakeven point much earlier
than the planned time.
5.2.2.4 LOANS AND ADVANCES:
Loans and advances reached
TZS 17.7 billion compared to
the target of TZS 22.4billion
which is 79% achievement.
The non-achievement of the
target was mainly due to
lack quality applications and
lack of collateral for some
entrepreneurs.
5.2.2.9 EMPLOYMENT
5.2.2.5 OPERATING RESULTS FOR
THE YEAR 2015
Total number of employees
was 35 compared with 23 staff
reported in the year 2014. The
employment composition was
as follows:
The bank earned a total income
of Tshs.6.5 billion against the
budgeted figure of Tshs.3.7
billion; this achievement is
75.7% above the target. The
achieved operating result is a
clear evidence of how the bank
is managing well its income
generating avenues.
Employees
2015
2014
Male
22
18
Female
13
5
Total
35
23
5.2.2.6 OPERATING EXPENSES.
Total operating expense for
the year 2015 reached Tshs2.99
billion against the budgeted
Ibrahim Mwangalaba
MANAGING DIRECTOR.
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Maendeleo Bank
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to serve you
5.3
PRINCIPAL ACTIVITIES
The main activity of the bank is the provision of banking and related services as stipulated by the
Banking and Financial Institutions Act, 2006. There has been no significant change in the principal
activities of the bank during the period ended 31st December, 2015.
5.4 CAPITAL STRUCTURE
The bank’ capital structure for the year under review is as shown below:
5.4.1
Authorized Share Capital:
60,000,000 Ordinary shares of TZS 500 each.
5.4.2 Called up and Fully paid:
9,029,056 Ordinary shares of TZS 500 each.
5.5
SHARE HOLDERS OF THE BANK
The total number of shares issued and paid for the bank is 9,029,056. These shares of the bank are
held as follows:
Share Holder
No. of Shares
% of Total Shares
1,445,551
16.01
Diocese Institutions
1,121,408
12.42
850,000
9.41
Hans Macha
256,000
2.83
COMPANIES & SACCOS
233,667
2.6
Other Individuals
5,122,430
56.73
TOTAL
9,029,056
100
5.6DIRECTORS
Below is the composition of the Board of Directors for Maendeleo Bank Plc as at 31st December 2015:
22
S/n
Name
Position
Age
Nationality Qualifications
1
Mr. Amulike S.K. Ngeliama
Chairperson
66
Tanzanian
B. A (Economics)
2
Mrs. Dosca K. Mutabuzi
Vice Chairperson
58
Tanzanian
LLB, MBA , Advocate of High
Court
3
Amb. Richard E. Mariki
Director
72
Tanzanian
Bachelor of Arts , MSC
(Management)
4
Mr. Naftal M. Nsemwa
Director
69
Tanzanian
B. A (Economics), PGD in Projects
Analysis.
5
Rev. Ernest W. Kadiva
Director
49
Tanzanian
B’com (Marketing), Bachelor of
Divinity, Masters of Theology.
6
Mr. Felix H. Mlaki
Director
42
Tanzanian
B. A (Economics, MBA - Finance)
7
Mrs. Anna T. Mzinga
Director
39
Tanzanian
(Advanced Diploma in
Accountancy, CPA (T), MBA –
Finance)
8
Mr. Ibrahim A.
Mwangalaba
Executive Director 48
Tanzanian
B’Com (Marketing), Associateship
Diploma in Banking, MBA
(Finance).
Maendeleo Bank
5.7
Growing
to serve you
DIRECTORS’ SHARES
S/n
Name of Director
Number of shares held in
2014
Number of Shares
held in 2015
1
500
500
2
10,000
10,000
3
4,000
4,000
4
20,000
20,000
5
400
400
6
Mr. Felix H. Mlaki
10,000
10,000
7
Mrs. Anna T. Mzinga
8,100
8,100
8
Mr. Ibrahim A. Mwangalaba
6,000
6,000
Total shares held by Directors
59,000
59,000
None of the directors own more than 0.2% of total issued share capital.
5.8 COMPANY SECRETARY
The Bank’s Secretary as at 31st December 2015 was Mr. Ibrahim Mwangalaba who is also the
Managing Director of the bank.
5.9 RISK MANAGEMENT AND INTERNAL CONTROL
The Board accepts final responsibility for the risk management and internal control systems of the
Bank. It is the task of Management to ensure that adequate internal financial and operational control
systems are developed and maintained on an ongoing basis in order to provide reasonable assurance
regarding:
•
The effectiveness and efficiency of operations
•
The safeguarding of the Bank’s assets
•
Compliance with applicable laws and regulations
•
The reliability of accounting records
•
Business sustainability under normal as well as adverse conditions
•
Responsible behaviours towards all stakeholders.
The efficiency of any internal control system is dependent on the strict observance of prescribed
procedures. There is always a risk of non-compliance of such procedures by staff. Whilst no system of
internal control can provide absolute assurance against misstatement or losses, the Bank’s system is
designed to provide the Board with reasonable assurance that the procedures in place are operating
effectively. The Board assesses the internal control systems throughout the financial year ended 31
December 2015. The Board believes that the risk management and internal control system are well set
to mitigate any misshapen.
5.10
CORPORATE GOVERNANCE
The Board takes overall responsibility for the bank, including responsibility for identifying key risk
areas, considering and monitoring investment decisions, considering significant financial matters, and
reviewing the performance of management business plans and budgets.
23
Maendeleo Bank
Growing
to serve you
5.10.1 BOARD MEETINGS ATTENDANCES:
The Board met several times in order to ensure that a comprehensive system of internal
control policies and procedures is operative, and in compliance with sound corporate
governance principles.Attendance of the Board and Committee Meetings is as shown
hereunder:
Name
Clasification
MBM
BARC
BCC
Non-Executive
8
N/A
N/A
Non-Executive
7
N/A
N/A
Non-Executive
6
N/A
10
Non-Executive
8
5
10
Non-Executive
7
N/A
N/A
Mr. Felix H. Mlaki
Non-Executive
6
4
N/A
Mrs. Anna T. Mzinga
Non-Executive
7
3
N/A
Mr. Ibrahim A. Mwangalaba
Executive Director
8
N/A
N/A
Notes:
MBM – Main Board Meeting
BARC – Board Audit and Risk Committee
BCC– Board Credit Committee
N/A- Not applicable
The Board has a charter to govern the roles and responsibilities as well as efficiency and
effectiveness of Board performance. The Directors also recognize the importance of integrity,
transparency and accountability. During the year the Board had two sub-committees to ensure
a high standard of corporate governance.
5.10.3
COMMITTEES OF THE BOARD
As at 31 December 2015 the Board had two Committees namely the Audit and Risk Committee
and the Credit Committee. Members of each Committee are as shown below:
Audit and Risk Committee (BARC):
S/n
Name
Position
Total Meeting
Meeting
attended
1
Chairman
5
5
2
Mr. Felix H. Mlaki
Member
5
4
3
Mrs. Anna T. Mzinga
Member
5
3
Credit Committee (BCC):
24
Maendeleo Bank
Growing
to serve you
S/n
Name
Position
Total
Meeting
Meeting
attended
1
Amb. Richard Mariki
Chairman
10
10
2
Mr. Naftal Nsemwa
Member
10
10
5.10.4 MANAGEMENT TEAM
During the period under review, the Management of the Bank was under the Managing
Director, assisted, by the following Senior Management positions:-
5.11
• Finance Manager;
• Credit Manager;
• Internal Auditor Manager and
• Manager Information Communication and Technology.
•
BRANCH NETWORK AND OUTREACH
The Bank had one branch as at 31 December 2015 namely, the Luther House Branch.
5.12
FUTURE DEVELOPMENTS
The bank will continue to focus on business opportunities arising in the economy especially in lending
and Insurance businesses. The bank has the following plans for the year 2016.
5.13
•
To mobilize deposit to reach TZS 80.0 Billion by 31st December 2016.
•
To intensify lending to reach TZS 55.0 Billion.
•
To increase total assets of Tshs. 109 Billion
•
To introduce new products which includes Agency banking and Mobile Phone savings and credit
product.
•
To record a profit of TZS 1.8 billion by the end of the financial period 31st December, 2016.
HUMAN RESOURCES:
The bank has an adequate number of employees with pre requisite competency and experience in key
positions to manage the banking operations as well as pursue the business objectives.
25
Maendeleo Bank
Growing
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5.14
KEY PERFORMANCE INDICATORS
The following key performance indicators are effective in measuring the delivery of the bank’s strategy
and managing the business.
5.15 PERFORMANCE INDICATOR
2015
2014
Return on equity
3.53%
41%
Non interest income to gross income
13%
20%
Return on assets
0.32%
-1%
Cost to income ratio
198%
121%
Earning per share
20.95
-31%
Gross loans and advances to total deposits
36.6%
49%
Growth on loan and advances to customers
132%
471%
Non-performing loans to gross loans
17.8
15.3%
Growth on total assets
177%
179%
DIVIDEND
The Directors do not propose to pay dividend for the year ended 31st December, 2015. 5.16 RISK MANAGEMENT AND INTERNAL CONTROL
The Board accepts final responsibility for the risk management and internal control systems of the
bank. It’s therefore the task of the Directors to ensure that adequate internal financial and operational
control systems are developed and maintained on an ongoing basis in order to provide reasonable
assurance regarding:
26
•
The effectiveness and efficiency of operations
•
The safeguarding of the Bank’s assets
•
Compliance with applicable laws and regulations
•
The reliability of accounting records
•
Business sustainability in both normal and adverse conditions.
Maendeleo Bank
Growing
to serve you
The efficiency of any internal control system is dependent on the strict observance of prescribed
measures. There is always a risk of non-compliance of such measures by staff. While no system of
internal control can provide absolute assurance against misstatement or losses, the bank’s system is
designed to provide the Board with reasonable assurance that the procedures in place are operating
effectively.
The Board assessed the internal control systems throughout the financial year ending 31st December
2015 and is satisfied that they met accepted criteria.
5.17
SERIOUS PREJUDICAL MATTERS.
In the opinion of the Directors, there are no serious prejudicial matters that can affect the bank.
5.18 SOLVENCY
The Board of Directors confirms that applicable accounting standards have been followed and that
the financial statements have been prepared on a going concern basis. The Board of Directors has
reasonable expectation that the bank has adequate resources to continue in operational existence for
the foreseeable future.
5.19
EMPLOYEE’S WELFARE
The relationship between Employees and Management continued to be good. Work morale is good
and there were no unresolved complaints from employees which were reported to the Board. There
was good teamwork between management and staff.
The bank is an equal opportunity employer. It gives equal access to employment opportunities and
ensures that the best available person is appointed to any given position free from discrimination of
any kind and without regard to factors such gender, marital status, tribe and disability which does not
impair ability to discharge duties.
During the period the bank did the following in respect to staff welfare:
• Training to staff was implemented along the period under review.
• Staff Loans were extended at preferential interest as a means of staff retentions mechanism.
• Medical insurance cover to staff and their dependents was introduced.
• The bank makes contributions to pension schemes for staff at a rate of 10% of the employee’s
gross salary.
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Maendeleo Bank
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5.20
GENDER PARITY
The bank is an equal opportunity employer. As at 31st December, 2015 the bank had the following
distributions of employees.
Gender
5.21
2015
2014
Male
22
17
Female
13
6
Jumla
35
23
RELATED PARTY TRANSACTIONS
The bank has complied with regulatory requirements on related party transactions.
5.22
RELATIONSHIP WITH STAKE HOLDERS
The bank continued to maintain a good relationship with all stakeholders including the regulators.
5.23
CORPORATE SOCIAL RESPONSIBILITY (CSR)
The bank participates actively in community activities throughout the period. The bank touched
the lives of needy society through community activity which includes; donation of different items to
people living with albinism under the umbrella of “under the Same Sun”, desks plus school items to
Mkuranga Primary School and
donation to the handicapped students at Mtoni Deaconic Centre.
5.24
AUDITORS
The auditors, INNOVEX, have expressed their willingness to continue in office and are eligible for
reappointment. A resolution proposing an appointment of the Bank’s auditors for the year ending 31st
December, 2016 will be put to this Meeting
28
Maendeleo Bank
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6.0 BOARD OF DIRECTORS
Maendeleo Bank Plc Board Members, from left are Naftal Nsemwa, Amulike Ngeliama, Chairman of the Board and
Audit and Risk Committee; Ibrahim Mwangalaba, Secretary to the Board and Managing Director; Anna Mzinga,
Member of the Audit and Risk Committee; Amb. Richard Mariki, Chairman of the Credit Committee, Rev. Ernest
Kadiva, Felix Mlaki, Member of the Audit and Risk Committee and Dosca Mutabuzi, Vice Chairperson to the Board.
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Maendeleo Bank
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7.0 SENIOR MANAGEMENT TEAM
Maendeleo Bank Plc Senior Executives from front left are Margaret Msengi, Branch Manager; Ibrahim Mwangalaba,
Managing Director; Mumi Philip, Credit Manager; Behind; from left are Richard Mashiku, Human Resources Manager;
Peter Tarimo, Finance Manager; George Wandwalo, ICT Manager and Silvan Makole, Ag. Internal Audit Manager
30
Maendeleo Bank
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8.0
EXTERNAL AUDITORS REPORT AND FINANCIAL STATEMENT OF THE BANK
INNOVEX Auditors
8 Kilimani Road
Ada Estate (Near the French Embassy)
P.O. Box 75297
Dar es Salaam, Tanzania
Mobile: +255 787 747411
Landline: +255 22 2664099
Fax:
+255 22 2664098
Email: [email protected]
Website: www.innovexdc.com
The Chairperson
Maendeleo Bank PLC
PO Box 216
Dar es Salaam
Tanzania
INDEPENDENT AUDITOR’S REPORT TO MEMBERS OF MAENDELEO BANK PLC
Report on the Financial Statements
We have audited the financial statements of Maendeleo Bank PLC, set out on pages 21 up to 84 which
comprise the statement of financial position as at 31 December 2015, statement of profit or loss and other
comprehensive income, statement of cash flows statement, and statement of changes in equity for the year
ended 31 December 2015 and summary of significant accounting policies as well as other explanatory notes.
Maendeleo Bank PLC Directors’ responsibility for the financial statements
Maendeleo Bank PLC`s Directors are responsible for the preparation and fair presentation of these financial
statements in accordance with International Financial Reporting Standards and the provisions of the Banking
and Financial Institution Act, 2006 and Companies Act, No. 12 of 2002. The responsibility includes: designing,
implementing and maintaining internal control relevant to the preparation and fair presentation of financial
statements that are free from material misstatement, whether due to fraud or error; selecting and applying
appropriate accounting policies; and making accounting estimates that are reasonable in the circumstances.
Auditor’s responsibility
Our responsibility is to express an opinion on these financial statements based on our audit. We conducted
our audit in accordance with International Standards on Auditing. Those standards require that we plan and
perform the audit to obtain reasonable, but not absolute, assurance whether the financial statements are
free from material misstatement, whether due to fraud or error. An audit involves performing procedures to
obtain audit evidence about the amounts and disclosures in the financial statements. The audit procedures
selected depend on the auditor’s assessment of the risks of
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Maendeleo Bank
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to serve you
material misstatement of the financial statements, whether due to fraud or error. In making those risk assessments, the auditor considers internal control relevant to the entity’s preparation of the financial statements as a basis for designing audit procedures that are appropriate in the circumstances, but not for the
purpose of expressing an opinion on the effectiveness of the entity’s internal control. An audit also includes
evaluating the appropriateness of accounting policies used and the reasonableness of significant estimates
made by management, as well as evaluating the overall financial statement presentation and disclosures.
We believe that the audit evidence that we have obtained is sufficient and appropriate to provide a reasonable basis for our opinion on the financial statements.
Opinion
In our opinion, the financial statements present fairly, in all material respect, the financial position of Maendeleo Bank PLC as at 31 December 2015 and its financial performance and its cashflows for the period then
ended in accordance with the International Financial Reporting Standards and the requirements of the Companies Act No 12 of 2002 and the Banking and Financial Institution Act, 2006.
Report on other legal and regulatory requirements
This report, including the opinion, has been prepared for, and only for, the company’s members as a body in
accordance with the Companies Act, No. 12 of 2002 and for no other purposes.
As required by the Companies Act No. 12 of 2002, we are also required to report to you if, in our opinion,
the Directors’ Report is not consistent with the financial statements, if the company has not kept proper
accounting records, if the financial statements are not in agreement with the accounting records, if we have
not received all the information and explanations we require for our audit, or if information specified by
law regarding Directors’ remuneration and transactions with the company is not disclosed. In respect of the
foregoing requirements, we have no matter to report.
INNOVEX Auditors
Certified Public Accountants
Dar es Salaam
Irving Manning, CPA - PP
32
Date: 20th April
2016
Maendeleo Bank
Growing
to serve you
STATEMENT OF FINANCIAL POSITION AS AT 31 DECEMBER 2015
ASSETS
Cash and balances with Bank of Tanzania
Placements and balances with other banks
Government securities
Loans and advances to customers
Inventories
Other assets
Intangible assets
Property and equipment
Leasehold improvements
Deferred tax
Total assets
2015
TZS`000
6,793,705
27,466,284
994,364
17,714,204
14,294
238,015
173,142
444,984
544,203
124,454
54,507,649
2014
TZS`000
2,537,166
8,458,378
7,650,887
15,239
238,785
167,541
344,590
285,234
13,570
19,711,390
LIABILITIES
Deposits from customers
Other liabilities
Income tax payable
Total liabilities
48,722,834
362,188
56,841
49,141,863
15,824,321
172,002
15,996,323
4,514,528
1,461,478
315,599
(925,819)
5,365,786
4,514,528
SHAREHOLDERS` EQUITY
Share capital
Advance towards share capital
Regulatory reserves
Retained earnings
Total shareholder’s equity
Total liabilities and equity
54,507,649
15,348
(814,809)
3,715,067
19,711,390
The financial statements were approved by the Board of Directors on.. 20th April 2016 and were signed on
its behalf by:
……………………………….
Amulike S.K. Ngeliama
Chairman ………………….………
Ibrahim Mwangalaba
Managing Director
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STATEMENT OF PROFIT OR LOSS AND OTHER COMPREHENSIVE INCOME FOR THE
YEAR ENDED 31 DECEMBER 2015
Interest income
Interest expense
Net interest income
Loan impairment charges
Net interest income after impairment
Fees and commission income
Fees and commission expense
Net fees and commission income
Net operating income
Foreign exchange(loss)/gain
Employee benefit expenses
General and administration costs
Depreciation and amortization
Operating expenses
Profit /(loss)for the year before tax
Income tax credit
Profit/(loss) for the year
Other comprehensive income
Comprehensive income/(loss) for the year
Basic and diluted earnings per share
2015
TZS`000
2014
TZS`000
5,589,976
(2,922,061)
1,508,385
(257,212)
2,667,915
(352,314)
2,315,601
1,251,173
(94,778)
1,156,395
890,427
(37,999)
852,428
390,714
(12,209)
378,505
3,168,029
1,534,900
(14,974)
(1,037,862)
(1,644,082)
(295,044)
(2,991,962)
12,918
(761,144)
(895,788)
(211,660)
(1,855,674)
176,067
1,125
177,792
177,792
(320,774)
39,540
(281,234)
(281,234)
19.60
(31.15)
The financial statements were approved by the Board of Directors on 20th April 2016. 2016 and were
signed on its behalf by:
……………………………….
Chairman 34
………………….………
Ibrahim Mwangalaba
Managing Director
Maendeleo Bank
Growing
to serve you
STATEMENT OF CHANGES IN EQUITY FOR THE YEAR ENDED 31 DECEMBER 2015
Share capital
At 1 January 2014
Advanced
towards share
capital
TZS`000
4,514,528
-
Retained
earnings
Regulatory
reserve
Total
TZS`000
TZS`000
TZS`000
(520,070)
1,843
3,996,301
Transfer to regulatory
reserves
-
-
(13,505)
13,505
-
Loss for the year
-
-
(281,234)
-
(281,234)
At 31 December 2014
4,514,528
-
(814,809)
15,348
3,715,067
At 1 January 2015
4,514,528
-
(814,809)
15,348
3,715,067
Transfer to regulatory
reserves
-
-
(300,251)
300,251
-
Deposit for right issue
-
1,461,477
-
-
1,461,477
Profit for the year
-
-
189,241
-
189,241
4,514,528
1,461,477
(925,819)
315,599
5,365,785
At 31 December 2015
The financial statements were approved by the Board of Directors on.20th April 2016 and were signed on
its behalf by:
……………………………….
Chairman ………………….………
Ibrahim Mwangalaba
Managing Director
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to serve you
STATEMENT OF CHANGES IN EQUITY FOR THE YEAR ENDED 31 DECEMBER 2015
2015
TZS`000
2014
TZS`000
Cash flows from operating activities
Profit/(loss) for the year before tax
Adjustments for:
Amortization of intangible assets
Loss on disposal
176,057 88,556 (320,774)
58,910
2,674
Depreciation of property and equipment
163,740 116,131
Amortization of leasehold improvements
42,748 473,775 31,622
(114,111)
(10,063,317) (6,311,049)
Changes in operating assets and liabilities
Increase in loans and advances
Decrease in inventories
Increase in placements with other banks
945
3,754
(14,019,652)
(6,315,094)
770 (132,357)
Increase in customer’s deposits
32,898,513 12,805,104
Movement in statutory minimum reserve
(3,246,009)
(1,228,500)
Decrease/(increase) in other assets
Increase in other liabilities
Cash generated from operating activities
Income tax paid
190,186 143,416
6,235,201
(1,148,837)
(40,868)
-
Net cash generated/(used) in operating activities
6,194,343 (1,148,837)
Cash flows from investing activities
Purchase of government securities
Acquisition of intangible assets
(994,364)
(94,157) (77,834)
(284,808) (301,717) 18,000
(1,657,046) 1,461,478 (56,300)
(27,951)
(162,085)
-
Net cash generated from financing activities
1,461,478 -
Net increase/(decrease) in cash and cash equivalents
5,998,775 (1,310,922)
Cash and cash equivalents 1 January
3,101,950
4,412,872
Cash and cash equivalents 31 December
9,100,725
3,101,950
Acquisition of property and equipment
Leasehold improvements costs incurred
Proceeds from sale of fixed assets
Net cash used in investing activities
Cash flows from financing activities
Paid up share capital/right Issue
The financial statements were approved by the Board of Directors on. 20th April 2016. and were signed
on its behalf by:
……………………………….
Chairman 36
………………….………
Ibrahim Mwangalaba
Managing Director
Maendeleo Bank
Growing
to serve you
9.0 REMUNERATION FOR DIRECTORS OF THE BOARD
This year, the bank made significant achievements in its operations whereby it managed to register after tax
profit of Tshs.189.24 million compared to last year’s loss of Tshs. 281.20 million. Furthermore, the bank’s total
assets have increased to Tshs. 54.9 billion against a budget of 34.7 billion. These and other activities signify that
the bank continues to grow. Considering the performance of the Bank, the Board recommends Director’s fee
to remain TZS 1.50 million net of taxes for Chairman and Tshs. 1.0 million net of taxes for other Directors. While
sitting allowances to be Tshs. 650,000 and Tshs. 600,000 for Chairman and Directors net of taxes respectively.
BOARD MEMBER’S REMUNERATION PACK FOR 2016/2017
ANNUAL DIRECTOR’S FEE
CURRENT RATE (TSHS)
PROPOSED RATE (TSHS)
Chairperson
1,500,000
1,500,000
Members
1,000,000
1,000,000
MEETING ALLOWANCES:
Chairperson
Tshs. 550,000 (For all Board and Tshs. 650,000 (For all Board and Committee
Committee Meetings)
Meetings)
Members
Tshs. 500,000 (For all Board and Tshs. 600,000 (For all Board and Committee
Committee Meetings)
Meetings)
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Maendeleo Bank
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Growing
to serve you
Mkutano Mkuu wa Mwaka
Aprili 2016
www.maendeleobank.co.tz
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Maendeleo Bank
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Maendeleo Bank
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YALIYOMO:
Dira na Dhima ya Benki
43
Taarifa za Mkutano Mkuu wa Mwaka
43
Kumbukumbu za Mkutano Mkuu wa Kwanza wa Mwaka 2015
43
Yatokanayo na Mkutano Mkuu wa Kwanza wa Mwaka 2015
58
Taarifa ya Wakurugenzi
59
Bodi ya Wakurugenzi
70
Uongozi wa Juu wa Benki
71
Malipo ya Wakurugenzi wa Bodi
72
Mkutano Mkuu wa Mwaka 2015
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Maendeleo Bank
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DONDO ZA FEDHA
Rasilimali
Halisi
Makadirioa
Amana
Mikopo na Karadha
Halisi
Halisi
Makadirioa
Makadirioa
Faida au Hasara
Halisi
Makadirioa
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Maendeleo Bank
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1.0 DIRA NA DHIMA YA BENKI
Dira
“Kuwa benki inayoongoza nchini Tanzania ambayo
inaendeshwa na mahitaji ya wateja pamoja na malipo
ya ushindani kwa wanahisa.”
Dhima
“Kukuza biashara yetu huku tukiwekeza kwa jamii
tunayoihudumia na kuboresha maisha ya wafanyakazi
wetu.Tunajidhatiti kutoa huduma za kifedha zenye
ushindani na ubunifu kwa wadau wote na jamii kwa
ujumla.”
2.0 TAARIFA YA MKUTANO MKUU WA
PILI WA MWAKA:
Taarifa inatolewa Kwamba Mkutano Mkuu wa
Pili wa Mwaka wa Wanahisa wa Maendeleo
Bank Plc utafanyika Jumamosi, Aprili 30,
2016 kwenye UKUMBI WA DIAMOND
JUBILEE,Upanga - Dar es Salaam kuanzia saa
3:00 asubuhi.
Agenda zitakuwa kama ifuatavyo:
1. Kuridhia Agenda za Mkutano
2. Kuthibitisha Kumbukumbu za Mkutano Mkuu wa Kwanza wa Wanahisa uliofanyika
tarehe 16 Mei,2015.
3. Yatokanayo na Mkutano Mkuu wa kwanza
4. Kupokea taarifa ya Wakurugenzi kwa
mwaka unaoishia Desemba 31, 2015.
5. Kupokea na kujadili taarifa ya Wakaguzi wa
nje na taarifa za hesabu zilizokaguliwa
kwa mwaka unaoishia Desemba 31, 2015
6. Kupokea na kuridhia malipo ya
Wakurugenzi kwa mwaka 2016
7. Kupokea na kuidhinisha uteuzi wa
Wakaguzi huru wa hesabu kwa mwaka
2016
8. Mengineyo
9. Kupanga tarehe ya Mkutano Mkuu ujao
10. Kufunga Mkutano
KUMBUKA
1. M
wanahisa atakayehudhuria Mkutano Mkuu
atatakiwa kujigharamia mwenyewe na aje na
nakala ya hati ya Hisa iliyotolewa na Soko la Hisa
la Dar es Salaam pamoja na kitambulisho chake
ambacho ni; kadi ya kupiga kura au kitambulisho
cha mwajiri au pasi ya kusafiria au leseni ya udereva
kwa ajili ya utambulisho. Vitabu vya taarifa za
Mkutano Mkuu wa Mwaka 2015 na fomu ya
mbadala (Proxy) vitapatikana Makao Makuu ya
Maendelo Bank yaliyoko, Luther House, Mtaa wa
Sokoine kuanzia Aprili 25, 2016.
2. Mwanahisa anayestahili kuhudhuria Mkutano Mkuu
lakini akashindwa kuhudhuria, anaweza kuwasilisha
Jina la Mbadala wake (Proxy) kwa Mkurugenzi
Mtendaji wa benki saa 48 kabla ya Mkutano. Kwa
upande wa shirika, mtu atakayeteuliwa lazima aje
na nakala ya hati ya Hisa pamoja na fomu mbadala
(proxy) iliyokuwa na lakuri ya kampuni mwanahisa.
3. Kutakuwa na semina ya Wanahisa wote juu ya
namna ya kutafsiri mizania na hesabu za kampuni
pamoja na kuzielewa faida za kumiliki hisa katika
kampuni iliyosajiliwa katika Soko la Hisa. Semina hii
itafanyika siku hiyo ya Mkutano kuanzaia saa 3:00
hadi saa 4:00 asubuhi.
4. M
apendekezo ya Wanahisa yawasilishwe kwenye
ofisi za Makao Makuu ya benki saa 48 kabla ya
Mkutano kuanza.
KWA IDHINI YA BODI
Ibrahim Mwangalaba
MKURUGENZI MTENDAJI NA KATIBU WA
BODI
Aprili , 2016
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Maendeleo Bank
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MUHTASARI WA MKUTANO MKUU WA KWANZA WA MAENDELEO BANK PLC ULIOFANYIKA MEI 16, 2015
KATIKA UKUMBI WA MIKUTANO WA MSASANI TOWER WA KANISA LA KIINJILI LA KILUTHERI TANZANIA,
DAYOSISI YA MASHARIKI NA PWANI, MSASANI- DAR ES SALAAM.
Waliohudhuria:
Wanahisa
1.
United Evangelical Mission 2.
3.
Wanahisa wengine
- Mwakilishi Mch. ChedielSendoro
-Mwakilishi Bw. Godfrey Nkini
-(Kama ilivyoonyeshwa kwenye kiambatanisho)
Wajumbe wa Bodi:
1.
2.
3.
4.
5.
Bw. Amulike Ngeliama Mwenyekiti
Bi. Dosca MutabuziMakamu Mwenyekiti
Balozi Richard Mariki Mkurugenzi
Bw. Naftal Nsemwa Mkurugenzi
Mch. Ernest KadivaMkurugenzi
6.
7.
8.
Bw. Felix MlakiMkurugenzi
Bi. Anna Mzinga
Mkurugenzi
Bw. Ibrahim MwangalabaMkurugenzi Mtendaji/Katibu
Waliohudhuria kwa mwaliko:
1.
2.
3.
4.
5.
6.
7.
8.
9.
Bw. Saleh IbrahimBenki Kuu ya Tanzania
Bw. Nassoro OmaryBenki Kuu ya Tanzania
Bw. George FumbukaCore Securities
Bw. Jonathan SwalalaCore Securities
Bw. Irvin Manning
Mkaguzi wa Kujitegemea – Innovex
Bw. Lloyd Zhungu
Mkaguzi wa Kujitegemea - Innovex
Bw. Peter B. TarimoMkaguzi wa Ndani
Bw.George WandwaloMeneja wa Teknohama
Bi. Margaret MsengiMeneja wa Tawi-Luther House
Kabla ya kuanza kwa Mkutano, Wanahisa
walihudhuria semina ya saa moja kuhusu ukuzaji
wa mitaji kwa kampuni zilizoorodheshwa ambayo
iliendeshwa na Bw. George Fumbuka kutoka Core
Securities Ltd.
Mwenyekiti alifungua mkutano kwa kuwakaribisha
Wanahisa, Wakurugenzi na Menejimenti kwenye
Mkutano Mkuu wa Wanahisa wa Maendeleo Bank
PLC. Mwenyekiti alimkaribisha Askofu na Mkuu wa
Kanisa la Kiinjili la Kilutheri Tanzania, Dr. Alex Gehaz
Malasusa ambaye aliwasalimia wanahisa kwa neno la
kuwatia moyo.
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Mwenyekiti alitambua uwepo wa Katibu Mkuu
wa Kanisa la Kiinjili la Kilutheri Tanzania - Dayosisi
ya Mashariki na Pwani, Wawakilishi wa Benki Kuu
ya Tanzania (BOT), Mwakilishi Benki ya Uchumi,
LUICO, Core Securities na Mshauri mwanzilishi wa
benki Bw. Altemius Milinga. Ilikubaliwa kwamba,
akidi ilitosha kuwezesha kuanza kwa mkutano kwa
mujibu wa Kanuni ya Kampuni.Mkutano ulianza saa
4.30 asubuhi
Maendeleo Bank
Growing
to serve you
1. KURIDHIA AGENDA
Kulikuwa na pendekezo la kuongezwa kwa agenda ya
kuridhia uteuzi wa Wakurugenzi. Baada ya mabadiliko
hayo Agenda zifuatazo zilikubaliwa:
1. Kuridhia Agenda za Mkutano
2. Kupokea taarifa ya Wakurugenzi
3. Kupokea na kujadili taarifa ya Wakaguzi huru
na taarifa za hesabu zilizokaguliwa kwa mwaka
unaoishia Desemba 31, 2014
4. Kupokea, kujadili na kuridhia pendekezo la
kuongeza mtaji wa benki.
5. Kuridhia uteuzi wa Wakurugenzi
6. Kupokea na kuridhia malipo ya Wakurugenzi kwa
mwaka 2015
7. Kupokea na kuidhinisha uteuzi wa Wakaguzi huru
wa hesabu kwa mwaka 2016
8.Mengineyo
9. Kupanga tarehe ya Mkutano Mkuu ujao
10.Kufunga Mkutano
Mkurugenzi Mtendaji. Pia waliipongeza Bodi na
Menejimenti kwa kufanya kazi nzuri kwa mwaka
unaojadiliwa.
2. KUPOKEA TAARIFA YA WAKURUGENZI
Mwenyekiti wa Bodi na Mkurugenzi Mtendaji
waliwasilisha taarifa ya uendeshaji wa benki kwa
Wanahisa kwa kipindi kilichoishia Desemba 31, 2014.
Iliripotiwa kwamba kwa mwaka wa fedha 2014, benki
ilipata hasara ya shilingi 281.23 milioni ikilinganishwa na
lengo la hasara la shilingi bilioni1.
Pia mkutano uliarifiwa kwamba amana zenye thamani
ya jumla ya shilingi bilioni 15.80 ziliwekwa katika benki
ikilinganishwa na lengo la shilingi bilioni 7.10. Thamani
ya mikopo ilifikia shilingi bilioni 7.60 ikilinganishwa na
lengo la shilingi bilioni 4.60.Jumla ya rasilimali za benki
zilifikia shilingi bilioni 19.70 kwa mwaka ikilinganishwa
na lengo la shilingi 10.40 bilioni lililowekwa kwa mwaka
huo.
Wanahisa waliarifiwa kwamba benki iliorodheshwa
kwenye Soko la Hisa la Dar es Salaam Novemba 5,
2013,na kuifanya benki hiyo kuwa ya kwanza na ya
pekee kuorodheshwa kwenye Soko hilo katika hatua
ya kuanzishwa kwake kupitia dirisha dogo la Ukuzaji
wa Biashara yaani (EGM). Kabla ya kuorodheshwa, hisa
za benki ziliuzwa kwa shilingi 500 kila moja na mara tu
baada ya kuorodheshwa, hisa hizo zilipanda kutoka
shilingi 500 hadi shilingi 600, sawa na ongezeko la
asilimia 20.
Wanahisa pia waliarifiwa kwamba mtaji wa hisa wa
benki uliokubaliwa ni shilingi bilioni 30. Wakati mtaji
wa hisa uliotolewa na kulipwa ni shilingi bilioni4.5,
benki ilikuwa na mtaji mdogo kuwezesha kutimiza
malengo yake ya upanuzi kwa mwaka 2014. Hali hiyo
iliifanya Benki Kuu ya Tanzania kuandika barua ya
kuitaka benki ikuze mtaji wake ili iweze kuidhinishwa
kufungua matawi mengine.
Zaidi ya hayo, Wanahisa waliarifiwa kwamba kwa
mwaka 2015 benki ilikuwa na malengo yafuatayo:
a.
b.
c.
d.
e.
f.
g.
Kuongeza mtaji wa benki kwa shilingi1.50 bilioni;
Kuongeza rasilimali za benki kufikia shilingi 34.8
bilioni;
Kutoa mikopo kwa mashirika,mikopo ya
wafanyabiashara wa kati,mikopo ya vikundi;
Kuboresha mikopo ya kilimo;
Kuhamasisha uwekaji amana kufikia shilingi 20.0
bilioni;
Kufungua angalau tawi moja;
Kuanzisha huduma za wakala wa benki (agency
banking) na huduma ya kuweka na kukopa kwa
kutumia simu za mikononi.
Wanachama waliipokea na kuidhinisha taarifa ya
Mkurugenzi kama ilivyowasilishwa na Mwenyekiti
na Mkurugenzi Mtendaji.Pia waliipongeza Bodi na
Menejimenti kwa kufanya kazi nzuri kwa mwaka
unaojadiliwa.
3. KUPOKEA TAARIFA YA WAKAGUZI HURU
NA TAARIFA ZA FEDHA KWA MWAKA
UNAOMALIZIKIA DESEMBA 31, 2014.
Taarifa za fedha kwa mwaka uliomalizikia Desemba
31, 2014, ziliwasilishwa kwa Wanahisa na Wakaguzi
huru (Innovex). Wakaguzi hao walithibitisha kwamba
vitabu vya hesabu kwa mwaka huo vilikuwa safi, na
kwamba benki hiyo ilipata hati safi.
Wanahisa walipokea na kuidhinisha taarifa ya
Wakaguzi huru na taarifa za fedha kwa mwaka
uliomalizikia Desemba 31, 2014. Pia waliagiza
yafuatayo:
a.
enki itayarishe mafunzo kwa wanahisa kuhusu
B
namna ya kusoma na kutafsiri taarifa za fedha
kwa sababu wanahisa wengi hawana uelewa na
mambo hayo.
b. Kwa siku za usoni Wakaguzi wa Nje hawatakiwi
kuhudhuria mkutano kwa sababu uwasilishaji wa
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Maendeleo Bank
Growing
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taarifa zao na taarifa za fedha unaweza kufanywa
5. KURIDHIA UTEUZI WA WAKURUGENZI
na menejimenti kwa niaba ya Bodi.
4. KUPOKEA, KUJADILI NA KUIDHINISHA
PENDEKEZO LA KUONGEZA MTAJI WA BENKI
Agenda hii iliwasilishwa na Mkurugenzi Mtendaji
wa Maendeleo Bank Plc kwa niaba ya Bodi kwa
kuwajulisha wanahisa kwamba katika mkakati wake
wa miaka mitano, benki ilipanga angalau kufungua
tawi moja kuanzia mwaka 2014.
Mkutano uliarifiwa kwamba katika juhudi zake za
kutimiza lengo hilo,Bodi ya Wakurugenzi iliidhinisha
kufunguliwa kwa matawi mawili mwaka 2014,
lengo ambalo lilikataliwa na Benki Kuu ya Tanzania.
Benki Kuu ya Tanzania haikuidhinisha ombi hilo la
kufunguliwa kwa matawi hayo kwa sababu mtaji
wa benki usingeweza kukidhi gharama za kuwepo
kwa matawi hayo mapya.Badala yake Benki Kuu
ya Tanzania iliiagiza Maendeleo Bank kuongeza
angalau shilingi 1.50 bilioni kwa ajili ya kutosheleza
gharama za upanuzi wake.
Wanahisa pia waliarifiwa kwamba lazima ieleweke
kwamba maagizo ya Benki Kuu ya Tanzania kutaka
Maendeleo Bank kuongeza mtaji wake siyo suala la
hiari, bali benki ni lazima itafute kila njia ya kutimiza
maagizo hayo.
Wanahisa waliarifiwa kuhusu njia mbalimbali ya
kuongeza mtaji:
a.HISA STAHILI: – Kuongeza mtaji kupitia mauzo ya
hisa kwa wanahisa waliopo kabla ya hisa mpya
hazijauzwa kwa umma.
b. MUUNGANO: - Benki inaweza kuamua kuungana
na benki nyingine au kampuni kwa lengo la
kukuza mtaji wake.
c. Kukuza mtaji kupitia amana zisizo na riba --zipo
kampuni zenye fedha zinazotafuta mahali pa
kuwekeza.
Wanahisa walipokea na kujadili njia mbalimbali
za kukuza mtaji wa benki kama ilivyopendekezwa
na wakaidhinisha kukuza mtaji huo kupitia hisa
stahili ikifuatiwa na kutolewa kwa hisa mpya.
Waliazimia kwamba Bodi na Menejimenti ziendelee
na mipango ya kukuza mtaji na kuwasilisha taarifa
kwenye mkutano ujao.
46
Wanahisa waliarifiwa kwamba wakati wa
kuanzishwa kwa benki, ilitakiwa kuwa na Bodi
ya Wakurugenzi ili kukidhi matakwa ya kisheria
ya kuanzishwa kwa chombo hicho.Ili kukidhi
matakwa hayo ya kisheria, mfadhili wa benki aliteua
Wakurugenzi ili benki hiyo iweze kutimiza masharti
ya leseni. Majina ya wakurugenzi yalipelekwa
Benki Kuu ya Tanzania kwa ajili ya kuhakikiwa na
kuidhinishwa, hatua ambayo ilikuwa ya mafanikio.
Wanahisa waliombwa kuridhia uteuzi wa
Wakurugenzi waliopendekezwa na mfadhili wa
benki.
Wanahisa kwa pamoja waliamua kuridhia uteuzi wa
Wakurugenzi kwa kipindi cha miaka mitatu kuanzia
Mei 16, 2015.
6. KUPOKEA NA KUIDHINISHA MALIPO YA
WAKURUGENZI
Menejimenti iliwasilisha mapendekezo ya malipo
ya Wakurugenzi. Kikao kiliambiwa kwamba kwa
mwaka wa kwanza wa kuanzishwa kwa benki,
Wakurugenzi walikubaliana kwamba WASILIPWE
ujira wa Ukurugenzi na posho za mikutano
kwa kuzingatia hali halisi ya uchanga wa benki.
Wakurugenzi walianza kupokea posho mwaka 2014
ingawa kiwango walichokuwa wakilipwa kilikuwa
cha chini ikilinganishwa na hali halisi ya soko.
Wanahisa walipongeza mafanikio ya benki katika
kipindi cha mwaka wa kwanza tangu kuanzishwa
kwa benki. Mafanikio hayo yalichochewa na
mchango mkubwa wa Bodi iliyosimama kidete
kuona kwamba chombo hicho kinafanikiwa.
Kwa kuzingatia utendaji mzuri wa benki, wanahisa
waliazimia kuidhinisha posho za Wakurugenzi kama
ifuatavyo:
a. Malipo ya mwaka ya Wakurugenzi kwa
Mwenyekiti yawe shilingi1.5 milioni badala ya
shilingi 1 milioni iliyopendekezwa wakati malipo
ya wakurugenzi kwa mwaka yawe shilingi 1
milioni baada ya kodi.
b. Posho ya vikao kwa Mwenyekiti ilipitishwa
kuwa shilingi 550,000 badala ya kiasi
kilichopendekezwa cha shilingi 500,000. Posho
ya Wakurugenzi iliidhinishwa kuwa shilingi
500,000 baada ya kodi.
Maendeleo Bank
Growing
to serve you
7.
KUPOKEA NA KUIDHINISHA UTEUZI
WA WAKAGUZI HURU KWA MWAKA
UNAOMALIZIKIA DESEMBA 31, 2015
Wanahisa waliarifiwa kwamba kwa mujibu wa
sheria na taratibu za kibenki za mwaka 2008 (2008
Banking and Financial Institution Independent
Auditors regulation), kila benki au taasisi ya fedha
inaruhusiwa kuteuwa Mkaguzi huru ambaye
anaweza kufanya kazi kwa kipindi cha miaka minne.
Wanahisa pia waliambiwa kwamba kampuni ya
Innovex ilifanya ukaguzi wa benki kwa mihula
miwili kuanzia mwaka ulioishia Desemba 31, 2013
na Desemba 31, 2014. Kwa mujibu wa sheria ya
Benki Kuu kama ilivyoainishwa hapo juu, wakaguzi
wanaruhusiwa kukagua taasisi ya fedha kwa
mfululizo wa kipindi cha miaka minne.
Wanahisa waliarifiwa pia kwamba mkaguzi wa
mwaka uliopita, Innovex, yuko tayari kuendelea na
kazi hiyo kwa gharama ya shilinigi milioni 20 pamoja
na kodi.
Wanahisa walipokea pendekezo hilo na kuiteua
Innovex kama Mkaguzi huru kwa mwaka 2015 kwa
ada ya shilingi 20 milioni pamoja na kodi, yaani
ongezeko la thamani (VAT). Hata hivyo, kikao
kiliiagiza Bodi katika siku za usoni iwasilishe angalau
kampuni tatu za ukaguzi ili kuwepo ushindani
wenye ufanisi.
8.MENGINYEO
Wanahisa waliipongeza Bodi ya Wakurugenzi na
Menejimenti ya Benki kwa mafanikio yaliyopatikana
na kuridhishwa na utendaji wao.
Kwa kuwa hakukuwepo mengineyo, Mwenyekiti
aliwashukuru wanahisa kwa ushiriki na michango
yao katika kikao hicho.
9. MKUTANO UJAO
Wanahisa waliazimia kwamba Mkutano Mkuu
wa Mwaka ufuatao ufanyike miezi minne baada
ya mwisho wa mwaka. Bodi iliachiwa jukumu la
kupendekeza tarehe na mahali patakapofanyika
mkutano ujao.
10. KUFUNGA MKUTANO
Mkutano ulifungwa saa 8.00 alasiri
……………………………
MWENYEKITI ..............................
TAREHE
……………………………............................
KATIBU
TAREHE
47
Maendeleo Bank
Growing
to serve you
NaJina
45
ELIAIHO R TALALA
46
EV JACOB B KIRWAY
1ANNA E MURO
47
GLADNESS R TEMBA
2
MATIDA MWAWA
48
ANALOISE K MAFURU
3
MARIETHA SHIRIMA
49
NITISILE M SIMINEA
4
DOSCAR VUHAHUWA
50
FELIX S NYAKACHEWA
5
MARY N MUNAURE
51
TUMSIFU GIDEON BARNABAS
6
AOWILIMA F KIMAMBO
52
ERNESTINA P MASANJA
7
USHARIKA WA VITUKA
53
FLORA J HUMBO
8
NOAH LAMAVAN
54
CATHERIN T KOWERO
9
EDITHI A LWIZA
55
NORAH GOODLUCK MOSHA
10
JASMINA MSHANA
56
RICHARD F KIBWANA
11
MUSSA J MANGUBE
57
FREDRICK J KIMARO
12
EMII W KALIMBO
58
ELIWANG R MAKUNDI
13
ANNA J MALAMBUGI
59
JACOB MOLLELY
14
DAVID TIMOTHEO SHUMA
60
LUCY B LUGOME
15
MARY E KYARA
61
JOYCE I MSHAHARA
16
JULIANA ETHATA KIMAMBO
62
EUNICE MANASE MACHURANE
17
LEONIDA LEONIDAS NDAMUGOBA
63
THOMAS OMARY NYUMBA
18
MAEGARETH ELIAS MNZAVA
64
NICODEMOS D LEKEI
19
NEEMA ELIAS MNZAVA
65
ANDREA FREDRICK UTOU
20
NILIWAKA HOSEA SANGA
66
REV ERACTO J AILLA
21
BERTOLD TOMAS NJAWIKE
67
LUCY ANATORY
22
ELIVIDA GURAIDI ANGOVI
68
VERONICA ALOYCE MALLYA
23
CHRISTINA MADALO
69
LILIAN T MAGESSA
24
MECKSON
KILEWO
70
ESTHER K MSUYA
25
LEAH B MWANKONJA
71
LUIANA H SAM
26
REV LEAH MWANKONJA
72
ARON G MONG
27
AILEEN PEACE MUSHENDUA
73
ENEDY AINAINY TEM
28
CHARLES CHAROKIWA MASUMAI
74
MOSES SOZINGWA
29
EMMA TIMOTHY KIBAKAYA
75
EVELYN G YAMAT
30
EV FRANK JAMES MWAKALASYA
76
SUZAN J MBAGO
31
JEMES MICHAEL SANDE
77
TUPOKIGWE WILSON KYANDO
32
SYLVESTE MAHUNDA
78
ELIZABETH DASTAN KAMNDE
33
EV AINEA Z LYMO
79
DASTAN KAMNDE
34
CHRISTINA MATERU
80
QUEEN MOSES SWAI
35
CHARLES MARELO
81
JULIANA JUBLATE URASA
36
JACKSON YESUSA MREMA
82
JOSIAH B GERVAS
37
ALLAN B MKONYI
83
JOB JOAB MWAISAKA
38
FLORA G URONU
84
JANE BUSSA BASEKA
39
ENESIA KISINDA
85
LILIAN BENJAMIN SIKAWA
40
INVIOLATA B KYANDO
86
GRACE ADRIAN MBAWALA
41
LULU ZABRON
87
ROSETAS H MUNUBI
42
SELESTINE G UMELA
88
JACKLINE MACHIBYA
43
SADIKIEL E NYANG
89
BEATRICE E MJEMA
44
MABIBO EXTERNAL FELLOWSHIP
90
JAPHET A LUMANGA
48
Maendeleo Bank
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91
ELIZABETH T MASSAWE
137
MTAA WA PUGU SEKONDARI
92
MILLE S MBWILO
138
PARMENAS GURISHA KISIMBO
93
HULDA WILLIAM MSANGI
139
MARTHA MWAKAMYANDA
94
140
EVELYNE MATHIAS GALIBONA
95
ORCHESTA REYNOLD MLAY
141
ROSE JACKSON KIHIYO
96
NISAMEHE KING’HOMELLA
142
REV.REMMY AARON CHUMA
97
PERIS KAVISHE
143
NOAH LAMAYAN
98
EVA S KIMARO
144
CHALSE MARELO HITIRA
99
HALELUYA NGAO
145
RESTITUTA F. JUAKALI
100
LILIAN WALTER NGAO
146
REV DR.MWATUMAI MWANJOTA
101
NICKSON N MANGON
147
NASRA MSAFIRI DAUD
102
UPENDO J NITUME
148
103
MIRIAM J NITUME
149
EV KAUNDA TUYAINE KENSE
104
SALOME F NJAU
150
PRAYGOD ELIA NJIRO
105
WIN ERASTO AILLA
151
VICTOR OMBENI
106
HAPPY ERASTO AILLA
152
107
DOMINO MINJA
153
108
GETRUDA MINJA
154
ELICE GODMAN MUNUO
109
HILDA DAIMON
155
ESSA THOMAS LYIMO
110
GELLITE LUKUTA
156
BRYSON THADEI NZIKU
111
JUDITH J MGAYA
157
LAWRENCE RAMADHAN NCHWALA
112
ELISARIA B CHUWA
158
113
JULIETH C MOSHY
159
STANLEY JUSTO MWANRI
114
RWEHABULA W FELIX
160
VICOBA KIWALANI A
115
HILDA MBOWE
161
ELIWARIO ASAELI ISSANGYA
116
STELLA PATRICIA MAKOMBE
162
FRANCIS RAPHAEL KIBWANA
117
AUGUSTINE NTAMUHEZA
163
118
ALEX ABEID MTTUI
164
PARTRICK ASTERIUS MBEYA
119
RUTH MAHANYE
165
VICTORIA HANDERSON PHIRI
120
EVERREST E KIMARO
166
CAROLYINE SYLVIA JERRY WASLEY
121
JESCA UISSO
167
EMMANUEL MARKO MANU
122
ELLA NG’ONDYA TUMBWENE
168
JULIA KOKWEMAGE KASHULA
123
ALLAN EMILLY
169
124
JOHN M JOHN
170
MAGOKE ALPHA MAGOKE
125
SHIFWAYA ANATE LEMA
171
LEONIDA EDWARD BARONGO
126
JOYCE M MLIMBA
172
KORODIAS SHANSIMBAELI SHOO
127
PETRO A MNZAVA
173
JOSEPHINE MARTIN SHEMKAI
128
PENDAEL J SINGA
174
CAROLYINE JOHN LYATUU
129
USHIRIKA MTAA WA VIKINDU
175
FRANK JAMES MWAKALASYA
130
GODBLESS ELISHIRINGA NGATARA
176
YUDA MWEMBENI DAUDI
131
NIVONEIA STUART MGUMYA
177
BRINA MARTIN MUNG,ONG,O
132
MELKIZEDECK JACOB MTUI
178
ITB -LUTHER HOUSE
133
VIOLETH MELKIZEDECK LYAMUYA
179
ELIAINASA MARKO NJIU
134
JULIUS BETUEL MATOWO
180
JUDITH JONATHAN MGAYA
135
ELIMBINZI ELIARINGA KIMAMBO
181
USHARIKA WA MUHIMBILI
136
TIMOTHY NOBERT KIRWAY
182
MILLE MBWILO
49
Maendeleo Bank
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183
PAUL PETRO MUNISI
228
FREDICK KIIZA KALOKOLA
184
ZILPAH EZEKIEL MASSARO
229
WILLIAM J MDUNDO
185
GODA THOBIAS JEREMIAH
230
HEZRON CHESSAM MKIWAO
186
MR ELIMLINZI PETER TERRY
231
COSMO SHADRACK MUNUO
187
DOVYA LUTHERAN CHURCH SACCOS
232
188
233
RAHABU ASAGILE
189
SALOME MANFORD IMUNU
234
SAMSON JOHN FONGO
190
MICHAEL UPEPO MSENGI
235
MASTIDIA FELICIAN NDYOMULWANGO
191
LINERUSE RICHARD TARUMO
236
AMEN JONAS SAWE
192
GODLISTEN GODFREY MALISA
237
SUBIRA J MWAKAJIRA
193
238
JAPHET MILANGTON LUMANGA
194
ELIKA ELIMELECK MALISA
239
FLORA JACKSON HUMBO
195
RICHARD FRANCIS KIBWANA
240
ANNA N MWAMASENJELE
196
JULIUS AMAN DEMBE
241
JOHN MLEKO MOSHI
197
EMMAUEL TITO HAULE
242
198
243
ANIN MBORA MWASHA
199
ANNA EBEN MURO
244
CHRISTINA LUCAS MATERM
200
EMMAUEL EBEN MURO
245
HIGHINESS SALEHE KAIRA
201
HUMPHREY EBEN MURO
246
AGNESS MBOMA
202
ANNA PASKALI MVUNGI
247
LIVINGSTONE MWESIGWA KYARWENDA
203
248
MAGDALENA SAID OMARI
204
VERONICA SOLEMONI KIONDO
249
205
EMANUEL LUCAS KAYAMBA
250
206
251
TOGOLAN MPARE PIMA
207
LASTWORD JOHN ATSHANGA
252
MR AND ,MRS MWAIKEMWA
208
253
ALLAN EMILY KABITINA
209
254
ROGZENA ESTONIHI MSAKI
210
FREDRIC KIIZA KALOKOLA
255
211
WILLIAN J MDUNDO
256
212
257
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213
ELIKA ELIMELERK MALISA
258
214
JULIUS AMANI DEMBE
259
215
EMMANUEL TITO HAULE
260
BAHATI BRAYSON NYEREGETI
216
261
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217
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262
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218
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263
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219
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264
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220
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265
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221
266
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222
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267
ALAN JAPHET AND EZEKIELI ELIAMIN
223
EMMANUEL LUCAS KAYAMBA
268
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224
269
OLIVER ELIAINONI TEMU
225
LASTWORD JOHN MSHANGA
270
IRENE JONAS MMARI
226
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EDITHA JOHN OLOMI
227
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GEOFREY JOSIAN MATERU
50
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275
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320
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276
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321
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277
LEONARD WILFRED MUSHI
322
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278
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323
HAPPINESS HEAVENLIGHT LYIMO
279
324
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280
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325
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281
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326
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282
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327
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283
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329
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285
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330
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287
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288
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289
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291
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292
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338
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294
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295
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342
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306
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351
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308
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309
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354
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315
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441
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397
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442
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398
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443
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399
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444
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400
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401
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446
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402
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447
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403
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404
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405
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450
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406
OMEGA ELIAKIMU KIMARO
451
HARUNI HUMPHREY KABALIKA
407
452
ANNE PAUL NGONDO
52
Maendeleo Bank
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453
RONALD ALBERT NGONDO
497
ESTHER S. MTUKULLIMBAZINGA
454
AZANIA FRONT CATHEDRAL
498
JASPER K MWANGA
455
FRANK JERU MBILINYI
499
LILIAN ZEBEDAYO RIWA
456
UPENDO DOUGLAS SHAYO
500
CAREN ASUBISYE MWANSYOBE
457
GLORIA ZONAZEA OUSHOUDADA
501
COLLINS ASUBISYE MWANSYOBE
458
MIRIAM MANYIKE MGHAMBA
502
GIDEON & STEPHINE SAYPRE
459
SETH ANDREA MUSHI
503
TIMOTHY N. KIRWAY
460
USWEGE MBONILE MINGA
504
JUSTINE ELIKALIA MACHA
461
ZERAH RAJABU MZIRAY
505
REV. ERASTO JOASH AILLA
462
JANETH JEREMIA MKUMBI
506
FILOMENA NAMUBA
463
NICHOLAUS PETER MVELLA
507
464
REV EZEKIEL UPENDO NGAO
508
WISTON ZEPHANIA SAMWEL
465
MIRIAM KOKU HUBERT & GOODLUCK HUBERT
509
USHARIKA WA VINGUNGUTI
KINYAHA
510
EFAYO JESIA NYAMOGA
466
MARY CHEDIEL KIMWERI
511
FROLA NAKOLI MBILINYI
467
DIANA WILLET ELIYA
512
TRIFAINA MARSEL ROHNO
468
MARTIN ZAKARIA LYIMO
513
GRACE THADEUS LATONGA
469
SPERATUS STANSLAUS KAZAURA
514
JOHN MLEKIO MOSHI
470
PHILEMON SIMON MUTASHUBIRWA
515
EFFORT MSEKE
471
ELIZABETH CHRISTIAN MTIGANZI
516
THOMAS NYUMBA
472
BARAKAELI BENJAMINI MBISE
517
GRACE JOHN KWALAZI
473
WINLEDY JEFUTHA MAFUNE
518
ELIAMINI JEREMIAH LEMA
474
GEORGE ISRAEL MNYITAFU
519
LUIANA HENRY SAM
475
ADIEL RAPHAEL KAAYA
520
BEATRICE BENARD BAKULA
476
SADIKIEL ELISAMEHE MGASA
521
SOPHIA KANBALA BUKUKU
477
ELNOT MOSES ZABRON
522
ALFRED NDANSHAU NDERINGO
478
523
AGNESS ELIAPENDA NKINI
479
EV. SAMWEL SALUM MTAMBO
524
DORA JOHN KIBANDA
480
MARY FABIAN LIMO
525
USHARIKA/MTAA BUNJU A
481
ANNE GETRUDE LYATUU
526
MARTHAPALLES NYAGASA
482
SARA WILLIAM NYELLO
527
MARY E. KIMONGE
483
ANNSHANGWE MUGOGO EDWARD
528
PHANE MATHEW KIRUMBI
484
JOYCE GILBERT MALYAMBALE
529
LYDIA MATHEW MWAIPYANA
485
GEORGE PAULO FUPE
530
HALIMA ABDALAH MAGANGA
486
ELIZBETH JOHN FUPE
531
MATHEW SABUNI HOZZA
487
GODFREY TUMSIIEME ZEPHANIA
532
ALWATANGA WILSON MALEKELA
488
FRANK NELSON SONGELAELY
533
LYDIA KAUWED MAFOLE
489
ERNEST ANTONY RAPHAEL
534
BRIGITA L. ELIA
490
JEREMIAH ANASELI MOSHI
535
BETTY JULIUS KALLAMBO
491
ROWLAND ONISAEL SWAI
536
492
SAMWEL NASORO MALOCHO
537
QUEEN MOSES SWAI
493
ANISA GIBRON KILAWE
538
494
GEOFREY FILIPO MUSHI
539
FLORA AUGUSTINO KWAYU
495
540
VAILET JONES MLAY
496
JOHN MALTIN LYANGA
541
BALDWIN SHILEEKYO LEMA
53
Maendeleo Bank
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542
587
SARAPHINA LEONARD MOLLEL
543
ERASTO ELIFURAHA KIKAHO
588
544
GALITE THADEO GUGA
589
ROBERT JOHN SHIRIMA
545
MARIAM BALIKUMJE MCHOME
590
ELIHAIKA ISSAN NTELE
546
LINUS KAPERA LINDO
591
MASTIDIA F. NDYOMULWANGO
547
RICHARD OBADIAH RUGIMBANA
592
COL. ZAKARIA JILAWONEKA NGUMBI
548
MICHAEL ELIA NJIRO
593
ZAKARIA JULIONEKA NGUMBI
549
VICENT KENNEDY KIMEI
594
550
GILBERT MALISA
595
REMMY AARON CHUMA
551
DASTUN KAMNDE
596
REV. REMMY AARON CHUMA
552
HILDEGARD ERICK MSINA
597
EMMANUEL MOLLEL
553
FREDRICK UTOO
598
EMMANUEL STEPHEN MOLLEL
554
ENRISHA SAMSON MWAKIPE
599
FARAJA METHOD MESSO
555
EMMANUEL SAMSON MWAKIPESILE
600
ROSEMARY METHOD MESSO
556
RAHEL SAMSON MWAKIPESILE
601
METHOD MUSTAPHA MESSO
557
ZEPHANIA SAMSON MWAKIPESILE
602
ELISARIA BRYSONI CHUWA
558
EDDAH SAUTI MWANTUKE
603
PENINA BROWN MWAILUNDA
559
JACKSON PONSIAN KAIGOMA
604
WILBRIGHT MSURI MATEMBA
560
RUMISHA JASTIEL META
605
MARY ELIATOSHA MLAY
561
YOSWAM M. NYOGERA
606
USHARIKA WA MWENGE
562
STEPHEN BENNY KILUSWA
607
HILDA GIDEONI MAPUNJO
563
DANIEL EMOT MLOGE
608
USHARIKA WA SINZA
564
ENEZA ELIA MATERU
609
MAGDALENA ENOCK MKOCHA
565
NICHOLAUS JONAS SHOO
610
JOYCE JONAS MMARI
566
JANE JAMES MAKUNDI
611
REUBEN ONASAA SWAI
567
GEOFREY TULLA ILOMO
612
RAHEL GODWIN MSHANA
568
PROSPER REGINALD CHAO
613
569
EV. LABAN E. MNZAVA
614
SAMWEL ZADOCK MREMA
570
AGNESS EMMANUEL MBOMA
615
571
ALLIELIO REMEN SWAI
616
572
617
JOHN ELISAHA MSENGI
573
MILLEN ESTOMIAHI SHOO
618
JUDITH JONASAN MGAYA
574
MILDRED JULIUS KISAMO
619
LIGHTNESS MICHAEL SEDYAI
575
PHILIP JOHN KIWALE
620
ELINARA HERI UPENDO
576
ELIAS A. KASITILA
621
ANNETH AMIRY MASOUD
577
622
KEZIA RAPHAEL ODUNGA
578
EV. STANLEY NGAMBEKI LUBAGUMYA
623
RUTH FANUEL BAKARI
579
GRAYSON JOHN MKANZA
624
MARY JUSTA CHARLES TARIMO
580
GLORIA WILLIUM STAONA
625
ROSETAS HEZRON MANUBI
581
REV. HIMIL HOSEA KIMWERI
626
NDEESHI JEREMIAH MUSHI
582
ABDUEL SINDATO MSELLA
627
FELISIANA MICHAEL SEDYAI
583
MARTHA GRACE JUSTINE MOLLEL
628
NEBSTER K. LUHANGA
584
JOSEPH JUSTINE MOLLEL
629
STELLA MAZULA LUHANGA
585
JAMES JUSTINE MOLLEL
630
PAUL K. LUHANGA
586
ISRAEL JUSTINE MOLLEL
631
EDWARD K. LUHANGA
54
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632
CALLISTA MAMETIAKI MASSAWE
677
PRINCESS ONESMO KIMARO
633
TITO WILLIUM KIPEJA
678
ONESMO ANASE KIMARO
634
EVERLIGHT CHARLES MATINGA
679
ABRAHAM MCHOME
635
BRIAN ANILETH CHUMA
680
JULIANA MWINAMU
636
LILIAN BENJAMIAN SIKAWA
681
FARESTIANA CHAMBIKA
637
DOGENETH ELIUD SWAI
682
GETRUDE SEMU
638
GABRIEL ANDREW CHENGULA
683
GETRUDE SEMU MASSAWE
639
ASSERI NAIMANI MSANGI
684
ANNA WILDARD SHOO
640
NIA AMOS MBAGA
685
GRACIA WILDARD KITIKO
641
ERNEST KIMOMWE MRUTU
686
CHELLU BEATRICE MKOMBO
642
JOHN KILEO SOI
687
ATANAS P. KYANDO
643
MENARD NAIMAN NJAU
688
GABRIEL EMIL URASA
644
ELIAKA NTELLE
689
USAHARIKA WA MATOSA LUTHERAN
645
GODWIN ELISANTE BANDUKA
690
NEPHACE BUBELWA KAMBUGA
646
ANOLOISE KAFUKO MAFURU
691
GELLITE HAMIS LUKUTA
647
CHRIDA DUNCAN NDANSHAU
692
JIMMY JOHN MACHA
648
SALOME DUNCAN NDANSHAU
693
VIVIAN MAHANYU
649
DANIEL DUNCAN NDANSHAU
694
VIDA ENOCK KANYAMA
650
CHRISTINA SAWERE NDANSHAU
695
JUDITH ABAS NYANABO
651
ANITHA SEETA MWAIPOKELA
696
CAROLYNE JOHN LYATUU
652
ISACK ABDIEL MMBANDO
697
SOLOMON WILFRED MACHA
653
RICHARD YORAM KAVANA
698
TIMOTHY ZAKARIA KILIGITI
654
ELLY DANIEL DUMA
699
MARGARETH ELIAS MOSI
655
VERONICA K. MWAMASAGE
700
ALEX ABEID MTOI
656
FRIEDA T. MWAMASAGE
701
ELLY PARADISE BENJAMINI
657
GERALD TUSIIME RUNYORO
702
ROXANA STELLA KAIRA
658
NEEMA ASUKILE KISYALA
703
ESTER MSOMY KAIRA
659
BEATRICE PHILEMON MZELU
704
ELIZABETH NUNGU
660
TABITHA THOMAS NKWERA
705
RHODA ALAFAYO KIMATI
661
JEREMIAH & VIOLLA ELIMSU UISO
706
FELISIAN B. ITEMBA
662
TUSEKULE TIMOTH MWABUKUSI
707
JUDITH KYUSA MWAMAJA
663
LILIAN N TIRIO MANGA
708
RUTH JOEL KUANDIKA
664
PAULINA GERVAS LUENA
709
MONICA CLEMENT KYAMBILE
665
KISSA MWANKUSYE
710
CLEMENT A. KYAMBILE
666
SUZANA GABRIEL MAKOGA
711
GLADSTONE MATHEW MASOLE
667
RAYMOND ERNEST SWAI
712
668
BENSON YEKONIA SWAI
713
REV. JOEL NZOTA KILENGA
669
714
USHARIKA WA KUNDUCHI BEACH
670
BOAZ AUGUSTINO LEGELO
715
RACHEL SAMSONI MADINDA
671
PAULINA PAUL RWEZAURA
716
ELIANSHISARIA INNOCAVITH MUNISI
672
ELIREHMA CHARLES SWAI
717
HILDA HARRY MTEFU
673
JOHANES BRAISON MARIKI
718
THOMAS ELIAMANI MMBANDO
674
ADDY EMMILY MALLYA
719
ANNA SIFIKE SANGA
675
WILFRED EMMA MHAMILAWA
720
ORCHESTA RAYNOLD MLAY
676
NSIIMA PASTORY MHASHUMBA
721
MATHIAS RWEYMAMU GALIBONA
722
TENGEMANO MICHAEL GOMBE
55
Maendeleo Bank
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723
EVELYNE MATHIAS GALBONA
769
USAHIKA WA KINONDONI
724
FLORAH J. HUMBO
770
PENIEL CHARLES LUPATU
725
MARIAM WILSON MANGULA
771
WILFRED JULIUS RUGINA
726
USHARKA WA MBEZI BEACH
772
PHILEMON KIBWANA JOSEPH
727
ISAACK JOHN AYUBU NEBET
773
USHARIKA WA TABATA
728
JOSEPH JOHN KAHIMBA
774
729
CHRISTINA L. MATERY
775
FESTO DANIEL KIJO
730
USHARIKA WA SALASALA
776
FRANCIS ALICO BENJAMIN
731
GEORGE M. NGWEMBE
777
ALEX ALICO BENJAMIN
732
GIDE LUTHERAN CHURCH
778
PAMELA SILAS KIPANDE
733
MARY GERALD LEWANGA
779
JACKSON HERMAN MCHOME
734
MARY CHRISTOFA MKEMBA
780
DERICK DEO NGAILO
735
GODBLESS ELISHIRINGA NKEMBA
781
DAVID MALIMBI BISWALO
736
KUPA CHARLES MWAKININGA
782
737
LOYCE PETER ZONGO
783
FEBRONIA RUMISHAEL MACHA
738
SIFUEL RAPHAEL MATECHI
784
ANETH GILBERT UISSO
739
ALLEN SUFUEL MATECHI
785
RAHABU ASAJILE KASEGHE
740
SANDRA NORAH KITUTU
786
LILIAN CHRISTOPHER MUSHI
741
ELIZABETH ROBISON KITUTU
787
FAITH NICKODEMUS LEKEI
742
MARTHA SHAFITAEL KITUTU
788
FELIX HENRY KILEO
743
MARTIN JOEL NGWEMBE
789
744
PETER JUSTINE MWANDU
790
LILY COSTANTINO MWAIGOMOLE
745
SAMSON JACKSON MBISE
791
NUNTUFYE ALFRED MANSE
746
DENNIS NICKSON KANYIKA
792
REV. ELIONA ISSAC KIMARO
747
WITNESS NICKSON KANYIKA
793
USHARIKA WA MAKABE
748
STEVEN NICKSON KANYIKA
794
AIMBORA MATHEW SWAI
749
ELIZABETH THOMAS MASSAWE
795
DR. KABRON ANDERSON MAHOO
750
EVA ROBERT KASENDA
796
ANA PIUS SANGA
751
MERCY GOMBE CHAMSHAMA
797
ANA LOI SANGA
752
PRAYGOD ELIA NJIRO
798
NEEMA CHARLES SABWECHE
753
ZABRON GERSON KYANDO
799
ANGELO FATULUKINDO LUMATO
754
ANNA NDEPANYA MWAMSENJELE
800
NELLY BENEDICT MUSHI
755
TABU ELIHAZINA MRUTU
801
GAMALEL NDESAMBURO MASSAWE
756
SOPHIA JUSTINE MUNAKA
802
ELINAIKE C. KAWISHE
757
JESCA GILBERT UISSO
803
CHRISTINE L. KAHALE
758
ESTER ALEX MRUMA
804
LAIZER NEEMA NKINI
759
805
EDWIN ERASTO MSABILA
760
FARAJA ALLAN MKONYI
806
EVELINE E LEKULE
761
ALLAN BARNABAS MKONYI
807
WALES WILSON MBOY
762
NEEMA ALAN MKONYI
808
MAGRETH SIMPASA MWETA
763
809
SACCOS KIMARA
764
FARAJA EMANUEL ALLAN MKONYI
810
AISIA NICHOLAUS MERO
765
CHRISTER ALLAN MKONYI
811
IVAN CHAINA CHACHA
766
ZARETH STEVEN UNGANI
812
ALLAN CHAIANA CHACHA
767
KANDILE STEPHEN UNGANI
813
EVA JAMES KILWAH
768
REV. MWIPILE ISMAIL
814
DOROTH STEPHEN MASSAWE
56
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815
DAVID ELINEWINGA CHRISTIAN
860
PHILIP DONALD MATERU
816
ROBERT ELIEZA MOSHI
861
GODREIGN DONALD MATERU
817
TITO NEWTON KYANDO
862
GRACE ALBERT CHOTTA
818
GEORGE PHILBERT BWOGI
863
JULIETH CLETUS MOSHY
819
HARVESI NKANORI MARIKI
864
DYNESS TUWAH MKUNWA
820
MARIAM SAREHE MBARUKU
865
TUWAHA JOHN MKUNGA
821
CHRISTOPHER WILLIAM KIDALE
866
AKWILINA S. JOHN
822
HILDER GODLISTEN MMBANDO
867
YONA NASORO MGUNDA
823
ANNA NESTORY SHITIMA
868
EMMANUELY HENRY SANGIWA
824
COMFORT JOHN MOTELA
869
REGINA ELIAS SWAI
825
JASON MSOMY KAIRA
870
MONICA PAUL MATUMBA
826
DAINES RAYMOND MUNUO
871
SACCOSS KILUVYA
827
MAJARIWA RICHARD KANDI
872
MARYNICE J. PALLANGYO
828
REU CPNSTANTINE MGIMBI
873
MRS. NDUMIAKUNDA J. KAMBI
829
NELSON PAUL MONYO
874
NAFTAL NSEMWA
830
BONIFACE ADAM KOMBO
875
MRS ANNA TENGA MZINGA
831
STEPHEN ASUKULE MWAMASELE
876
DOSCA MUTABUZI BAREGO
832
MRS. AWAICHI JAMESI TARIMO
877
LUKA NIKO MBONEA
833
SPERATUS STANSILAUS KAZAURA
878
TEDY KINOGE
834
NEEMA A. GAMBA
879
USHARIKA WA SEGEREA
835
TUMAINI M. GAMBA
880
SIMON ONAUFOO URASA
836
FRANK WILSON NGAO
881
RASHON A MWAIPOPO
837
MARILYN ELINEWANGU MKUDE
882
CHARLES A. MKILAMWENE
838
883
ELIGUARD LOIRICKNSSANYU MATERU
839
NORA GODLUCK MOSHA
884
ELIGUARD LOIRICK MATERU
840
JOSEPH JUSTICE CHUWA
885
LUTENGANO FREDRICK NHONDA
841
PRAYGOD JULIUS MINJA
886
842
ARNOLD JUSTIN MAEDA
887
ELIA GERVAS SHAO
843
GIVEN MKONYI
888
VERYNICE E. MAKUNDI
844
JULIANA MANASE NGAIRO
889
MOSES JONAS LUMBAGALA
845
MARIA DAVID KIMARO
890
SHUKURU SENKONDO
846
USHARIAK WA KISARAWE SANZE
891
JOSEPH LUSANI SANGA
847
JONAS EKANA SAM
892
HERI JOSEPH SANGA
848
MISSANGA HUSSEIN MUJA
893
REHEMA HAMZA CHAGEKA
849
894
PATRICK JOSEPH SANGA
850
SYLVIA ANDREW CHAULA
895
AMINA JOSEPH SANGA
851
GEOFREY RASIEL MASSAWE
896
VAILETI JOSEPH SANGA
852
STEPHEN SHILEREYO KIMARO
897
GODFREY OMARY KITUNDU
853
BARICK E. SHOO
898
GEDI GODFREY KITUNDU
854
DAMAS BENEDICT GWIMILE
899
MELKZEDECK G. KITUNDU
855
ERICK NELSON SWAI
900
SHASHA GODFREY KITUNDU
856
JESSICA B. MUTAFUNGWA
901
TICKEY NDILLEH KITUNDU
857
EVELYNE CHARLES KAPANABO
902
FIDELIA EXAUD URASSA
858
STEPHEN ALLELLO SWAI
903
KELVIN LAWRENCE MNDEME
859
GODLUCK AMAN SWAI
904
TOSILE LAURENT NGOWI
57
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YATOKANAYO NA KUMBUKUMBU ZA MKUTANO MKUU WA KWANZA ULIOFANYIKA TAREHE 16 MEI, 2015.
Na
Agenda/
Min.na
MIN 3.
(a)
Agizo
Yaliyofanyika
Benki kuandaa mafunzo kwa wanahisa Mafunzo yameandaliwa na yataendeshwa
kuhusu kusoma na kutafsiri taarifa za fedha leo na Bw. George Fumbuka wa Core
kwa vile wanahisa wengi hawajui taarifa hizo Securities Ltd.
zinamaanisha nini.
Katika vikao vijavyo Wakaguzi huru hawahitajiki
kuhudhuria mkutano kwa kuwa taarifa za
ukaguzi na fedha zitawasilishwa na Menejimenti
Pendekezo litafanyiwa kazi
kwa niaba ya Bodi.
(b)
MIN 4.
Azimio la kuiruhusu Bodi na Menejimenti Zoezi la uuzaji wa hisa stahili lilifanyika
kuendelea na mpango wa kukuza mtaji na kutoa ambapo zilikuwa zinatarajiwa kukusanywa
taarifa kwenye mkutano ujao.
shilingi 3.06 bilioni. Jumla ya shilingi 2.83
bilioni zilikusanywa, sawa na asilimia
93.Makusanyo hayo yanafanya mtaji wa
benki ufikie shilingi 7.3 bilioni.
Wanahisa waliidhinisha posho za Wakurugenzi
kama ifuatavyo:
MIN 6.
Ujira wa Mwenyekiti kwa mwaka ni shilingi
1.5 milioni badala ya shilingi 1 milioni
iliyopendekezwa
wakati
malipo
kwa
Wakurugenzi kwa mwaka ni shilingi 1 millioni Idhini hiyo tayari imetekelezwa.
baada ya kodi.
Posho ya kikao kwa Mwenyekiti ni Sh. 550,000
badala ya ile iliyopendekezwa ya Sh. 500,000
wakati posho ya kikao kwa Wakurugenzi wengine
ni Sh. 500,000 baada ya kodi.
MIN 7.
Wanahisa walipokea pendekezo la kuteuliwa
kampuni ya Innovex kama Mkaguzi huru kwa
mwaka 2015 kwa ada ya Sh. 20.0 milioni pamoja Hii imetekelezwa
na Kodi ya Ongezeko la Thamani.Waliiagiza Bodi
kwa siku za usoni iwasilishe angalau wakaguzi
watatu kwa ajili ya kuleta ushindani.
58
Maendeleo Bank
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5.0 TAARIFA YA WAKURUGENZI KWA
MWAKA ULIOISHIA DESEMBA 31,
2015
5.1
Septemba 9, 2013, mtaji wa
benki ulioidhinishwa ulikuwa
shilingi. 30 bilioni, wakati
mtaji uliotolewa na kulipwa ni
shilingi. 4.5 bilioni.
Taarifa ya Mwenyekiti
5.1.1 Utangulizi
Kwenye Mkutano Mkuu wa
Mwaka uliopita tulipendekeza
kwenu kuongeza mtaji wa benki
na mkatupa idhini ya kuongeza
mtaji ambao ungetuwezesha
kuongeza matawi na kuimarisha
shughuli za kiutendaji za benki.
Tumeifanya kazi hiyo kupitia
hisa stahili, shughuli ambayo
ninyi wote mliombwa kushiriki.
Zoezi hilo limetuongezea mtaji
wa shilingi. 2.839 bilioni, na
kufanya jumla ya mtaji wote
kufikia Sh. 7.354 bilioni. Sasa
tuna hisa mpya 5,567,523
kila moja ikiwa na thamani ya
Sh 510.Tukijumuisha hisa hizi
na zile za kwanza 9,029,056
tuna jumla ya hisa 14,596,579
zenye thamani ya shilingi.
7,353,964,730,
ambazo
zinatosha kufungua matawi
angalau mawili.
Ndugu Wanahisa, Mabibi na
Mabwana,
Habari za Asubuhi!
Kwa niaba ya Bodi ya
Wakurugenzi, nachukua fursa
hii
kuwakaribisha
kwenye
Mkutano Mkuu wa Pili wa
Mwaka wa Benki ya Maendeleo
Bank
Plc.
Mtakumbuka
kwamba hapo Mei 16, 2015
tulikutana kwenye Mkutano
Mkuu wa Kwanza wa Mwaka
uliofanyika kwenye Ukumbi
wa Mikutano wa MSASANI
TOWERS pale KKKT Msasani
ambapo tulitoa taarifa ya
utendaji wa benki kwa mwaka
wa kwanza tangu ianzishwe.
Leo hii tunatoa tarifa ya
utendaji ya benki kwa mwaka
uliomalizikia Desemba 31, 2015
kwa kujivunia mafanikio.
5.1.2
Malengo ya Mwaka 2015
Kwa mwaka 2015, benki,
pamoja na mambo mengine,
ilipanga kuongeza thamani
ya mali zake kufikia Sh. 34.8
bilioni. Mkurugenzi Mtendaji
atatoa taarifa ya mafanikio
yaliyopatikana
kutokana
na
malengo
tuliyokuwa
tumejiwekea
kwa
mwaka
unaofanyiwa tathmini.
5.1.3
Kukuza mtaji
Tulipofungua
benki
kwa
milango
ya
umma
hapo
5.1.4
Mipango ya Mwaka 2016
Benki
inakusudia
kufanya
yafuatayo kufikia Desemba 31,
2016:
(i)
Kuongeza rasilimali za
benki kufikia shilingi
bilioni 109.
(ii) Kuongeza Mikopo kufikia
Shilingi 55.9 bilioni kupitia
mikopo ya kilimo biashara,
makampuni, mikopo ya
wajasiriamali wadogo
na wakati, na mikopo ya
vikundi.
(iii) Kuhamasisha uwekaji
amana kufikia shilingi
bilioni 80.
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(iv) Kufungua angalau matawi
mawili
(v) Kuanzisha huduma za
akiba na mikopo kupitia
simu za mikononi
(vi) Kuangalia upya akaunti
za Akiba na binafsi na
kuanzisha bima ya maisha
kwa wateja.
(vii) Kujenga uhusiano wa
kukusanya kodi pamoja
na Mamlaka ya Mapato
kupitia utozaji wa kodi
kupitia benki (Tax Bank).
5.1.5 Matokeo ya utendaji
benki kwa mwaka 2015
wa
Kwa mwaka 2015 benki
ilifanikiwa
kupata
faida
baada
ya
kutozwa
kodi
ya Shilingi 177.79 milioni
ikilinganishwa na lengo la
kupata Shilingi136.85 milioni,
ikiwa ni sawa na asilimia 38.30
juu ya lengo lililokusudiwa kwa
mwaka.Ikumbukwe
kwamba
mwaka 2014 benki ilipata
hasara
ya
Shilingi.281.23
milioni.Mafanikio
haya
ni
matokeo ya utendaji mzuri
na umahiri wa kitaaluma wa
wafanyakazi wa benki. Shukrani
zangu nazitoa kwa kila mjumbe
wa Bodi yetu ya Wakurugenzi
kwa juhudi na kujitoa kwao.
Mkurugenzi Mtendaji atawapa
taarifa kwa undani kuhusu
utendaji wa benki kwa mwaka
2015.
5.1.6
Hesabu zilizofanyiwa ukaguzi
Kitabu mlichopewa kina taarifa
za fedha kwa mwaka ulioishia
Desemba 31, 2015. Meneja
wa Fedha atawasilisha taarifa
hii kwa kirefu kwa ajili ya
60
majadiliano. Mchango wenu
utakuwa wa manufaa zaidi kwa
ajili ya kuwezesha benki yetu
kuendesha shughuli zake kwa
ufanisi.
Shukurani:
Kwa niaba ya Bodi ya
Wakurugenzi,
naomba
nimshukuru
Mkurugenzi
Mtendaji,
timu
yote
ya
Menejimenti na Wafanyakazi
kwa kujituma zaidi katika
utendaji wao uliowezesha
kupatikana kwa mafanikio haya.
Nachukua
kuwashukuru
fursa
wateja
hii
wetu
ambao wamekuwa wakitoa
ushirikiano
mkubwa
kwa
benki yetu tangu ifunguliwe.
Tunaahidi kuendelea kutoa
huduma bora kwa wateja wetu
zenye tija kwa benki na kwa
wateja.
Pia napenda kutoa shukrani
kwa jitihada zilizotolewa na
Kanisa la Kiinjili la Kilutheri
la Tanzania – Dayosisi ya
Mashariki na Pwani, hasa
katika azma yake ya kuanzisha
na kuwekeza katika benki
hii. Nakumbuka hotuba ya
kutia moyo iliyotolewa na
aliyekuwa Askofu Mkuu wa
Kanisa la Kiinjili la Kilutheri
Tanzania na Askofu wa Dayosisi
ya Mashariki na Pwani, Dk.
Alex Gehaz Malasusa, wakati
alipokuwa akizindua sehemu
iliyofanyiwa
ukarabati
wa
ofisi za benki katika jengola
Luther House, kwa ajili ya
kuweka Makao Makuu na tawi
la kwanza la Maendeleo Bank
PLC ambapo alikariri kifungu
cha Biblia kutoka Kitabu cha
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Zaburi Sura ya 18 mstari wa 1
na aliendelea kusema:
“Kwa sababu ya utegemezi
kiuchumi,
haikuwa
rahisi;
haikuwa rahisi kabisa kuridhia
wazo la kuanzisha benki. ...
kwa sababu makanisa rafiki
ya nje yalisema, “ hamtaweza
kufungua benki’.
5.2 TAARIFA YA MKURUGENZI
MTENDAJI
Kwa niaba ya Bodi ya Wakurugenzi,
nachukua nafasi hii kuelezea utendaji
wa benki
kwa mwaka ulioishia
Desemba 31, 2015. Undani wa taarifa
hii umo kwenye vitabu mlivyogawiwa.
5.2.1
Malengo muhimu ya benki kwa
mwaka 2015 yalikuwa
Katika kutekeleza kazi zake,
Bodi inaongozwa na maneno
haya yenye kutia moyo
yaliyosemwa na Mheshimiwa
Baba Askofu.
Pia
Bodi
kwa
(i)
(ii) heshima
kubwa, inavishukuru vyombo
vinavyosimamia
uendeshaji
wa shughuli za kibenki na
usimamizi wa makampuni
yaliyosajiliwa na Soko la Hisa
kwa usimamizi wao madhubuti
na uongozi imara kwa sekta ya
mabenki hapa nchini.
(iii) (iv)
Pia tunawashukuru wanahisa
kwa kuuunga mkono jitihada
za benki wakati wa kupata
mtaji wa awali na hatimaye
kuongeza mtaji, ushiriki wenu
umepelekea benki kupata
mafanikio makubwa.
Pia napenda kuwashukuru
Wakurugenzi wenzangu kwa
jitihada zao za kuhakikisha
benki inafanikiwa. Nina imani
kubwa kwamba mwaka huu
2016 benki itapata mafanikio
makubwa zaidi.
Asanteni sana kwa kunisikiliza.
Amulike Ngeliama
MWENYEKITI WA BODI
Aprili , 2016
MALENGO YA BENKI
(v)
(vi) 5.2.2
Kukuza mtaji wa benki
kufikia angalau shilingi
bilioni 1.5.
Kuongeza rasilimali za
benki kufikia shilingi
bilioni 34.8.
Kutoa mikopo kwa
makampuni, mikopo ya
kati na mikopo ya vikundi
yenye thamani ya shilingi
bilioni 22.4.
Kuhamasisha uwekaji
amana kufikia shilingi
bilioni 30.1.
Kufungua angalau tawi
moja.
Kuanzisha huduma ya
kuweka akiba na kutoa
mikopo kupitia simu za
mikononi.
Mafanikio kwa mwaka 2015
Hadi kufikia Desemba 31, 2015,
utendaji wa benki ulikuwa
kama ifuatavyo:
5.2.3.1: Amana:
Benki ilifanikiwa kukusanya
amana
zenye
thamani
ya
shilingi
48.7
bilioni
ikilinganishwa na lengo la
kukusanya shilingi 30.1 bilioni.
Benki ilivuka lengo kwa asilimia
61.8.
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5.2.4.2 Ongezeko la wateja:
Hadi kufikia Desemba 31,
2015, benki ilikuwa na wateja
takribani
11,200
ambao
walikuwa na akaunti kwenye
benki ikilinganishwa na lengo
la kuwa na wateja 12,000. Hii ni
sawa na asilimia 93 ya lengo.
5.2.4.3: Huduma mpya:
Kwa mwaka 2015, benki
ilianzisha Mikopo ya Kilimo
biashara ambayo iliwawezesha
wateja wenye miradi ya kilimo
biashara
kupata
mikopo.
Jumla ya shilingi 2.6 bilioni
zimetolewa kwa wateja 56
wanaojishughulisha na miradi
ya kilimo biashara.
5.2.4.4 Mikopo na Karadha:
Mikopo
ilifikia
shilingi17.7
bilioni ikilinganishwa na lengo
la shilingi 22.4 bilioni, sawa na
asilimia 79 ambayo ni mafanikio
makubwa.Kutofikiwa kwa lengo
hilo kulitokana na kukosekana
kwa
wakopaji
wanaokidhi
masharti
ikiwemo
kukosa
dhamana kwa wajasiriamali
wengi.
5.2.4.5 Matokeo ya Uendeshaji
kwa mwaka 2015
Benki ilipata mapato ya shilingi
6.5 bilioni ikilinganishwa na
lengo la kupata shilingi.3.7
bilioni; mafanikio hayo ni sawa
na asilimia 75.7% juu ya lengo
62
lililowekwa.Mafanikio hayo ni
ushahidi wa kutosha jinsi benki
inavyojitahidi kujiingizia kipato
zaidi.
5.2.4.6 Gharama za Uendeshaji:
Jumla
ya
gharama
za
uendeshaji kwa mwaka 2015
zilifikia shilingi 2.99 bilioni
ikilinganishwa na bajeti ya
shilingi 3.40 bilioni;ni sawa na
kuokoa kiasi cha asilimia 11.8.
Matokeo hayo yanaonyesha
umahiri wa benki wa kusimamia
matumizi ya benki.
5.2.4.7 Rasilimali za Benki
Jumla ya rasilimali za benki
ilifikia shilingi 54.5 bilioni
ikilinganishwa na bajeti ya
shilingi 34.8 bilioni, sawa na
asilimia 56.6 juu ya lengo
lililokusudiwa.Hii inadhihirisha
uimara wa mali za benki
zinazotokana na imani ya
wateja kwa benki hii.
5.2.4.8 Faida kwa Mwaka
Benki ilipata faida ya shilingi.
177.79 milioni baada ya
kodi ikilinganishwa na lengo
la shilingi. 136.85 milioni
kutoka hasara ya shilingi.
281.23 milioni iliyopatikana
mwaka 2014. Hii inaonyesha
jinsi
utendaji
wa
benki
unavyoendelea
kuimarika
kiasi
kwamba
hasara
zinashughulikiwa na kuzibwa
haraka.
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5.2.4.9 Ajira
5.3 Idadi ya wafanyakazi ilikuwa 35
ikilinganishwa na wafanyakazi
23 waliokuwepo mwaka 2014.
Ajira kwa kufuata jinsia ilikuwa
kama ifuatavyo:
Wafanyakazi
2015
2014
Wanaume
22
18
Wanawake
13
5
Jumla
35
23
KAZI ZA BENKI
Kazi kuu ya benki ilikuwa kutoa huduma
za kibenki na masuala yote yahusuyo
benki kama ilivyoainishwa na Sheria za
mabenki na taasisi za fedha ya mwaka,
2006.’ Hapakuwa na mabadiliko yoyote
kuhusu kazi hizo za msingi hadi kufikia
Desemba 31, 2015.
5.4 MTAJI WA BENKI
Mtaji wa benki kwa mwaka unaohusika
ni kama ifuatavyo hapa chini:
5.4.1 Mtaji wa hisa ulioruhusiwa:
Hisa za kawaida 60,000,000 kila
moja TSh. 500.
Ibrahim Mwangalaba
MKURUGENZI MTENDAJI.
5.4.2 Mtaji uliolipwa:
Hisa za kawaida 9,029,056 kila moja TSh
500.
5.5 MGAWANYO WA WANAHISA WA BENKI
Jumla ya idadi ya hisa zilizotolewa na kulipwa ni 9,029,056. Hisa hizi zinamilikiwa kama ifuatavyo:
Mwanahisa
Idadi ya hisa
Asilimia
1,445,551
16.01
Taasisi za Dayosisi
1,121,408
12.42
850,000
9.41
Hans Macha
256,000
2.83
COMPANIES & SACCOS
233,667
2.6
Wanahisa binafsi
5,122,430
56.73
JUMLA
9,029,056
100
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5.6
WAKURUGENZI WA BENKI
Wakurugenzi wa Benki ambao wamehudumia madaraka yao hadi kufikia Desemba 31, 2015 ni:
Na.
1
2
3
4
5
5.7
Jina
Mr. Amulike S.K.
Ngeliama
Nafasi
Umri
Uraia
Sifa
Mwenyekiti
66
Mtanzania
B. A (Economics)
58
Mtanzania
72
Mtanzania
Mjumbe
69
Mtanzania
Mjumbe
49
Mtanzania
Mjumbe
42
Mtanzania
B. A (Economics, MBA Finance)
Mtanzania
(Advanced Diploma in
Accountancy, CPA (T), MBA –
Finance)
Mtanzania
B’Com (Marketing),
Associateship Diploma in
Banking, MBA (Finance).
Mrs. Dosca K.
Makamu
Mutabuzi
Mwenyekiti
Amb. Richard E.
Mjumbe
Mariki
Mr. Naftal M.
Nsemwa
Rev. Ernest W.
Kadiva
6
Mr. Felix H.
Mlaki
7
Mrs. Anna T.
Mzinga
Mjumbe
8
Mr. Ibrahim A.
Mwangalaba
Mkurugenzi
Mtendaji
39
47
LLB, MBA , Wakili wa
Mahakama Kuu
Bachelor of Arts , MSC
(Management)
B. A (Economics), PGD in
Projects Analysis.
B’com (Marketing), Bachelor of
Divinity, Masters of Theology.
HISA ZA WAKURUGENZI
Na
Jina la Mkurugenzi
Idadi ya Hisa 2014
Idadi ya Hisa 2015
1
Bw. Amulike S.K. Ngeliama
500
500
2
Bi. Dosca K. Mutabuzi
10,000
10,000
3
Balozi. Richard E. Mariki
4,000
4,000
4
Bw. Naftal M. Nsemwa
20,000
20,000
5
Mch. Ernest W. Kadiva
400
400
6
Bw. Felix H. Mlaki
10,000
10,000
7
Bi. Anna T. Mzinga
8,100
8,100
8
Bi. Ibrahim A. Mwangalaba
6,000
6,000
Jumla ya hisa za Wakurugenzi
59,000
59,000
Hakuna Mkurugenzi mwenye zaidi ya asilimia 0.2 ya jumla ya mtaji wa hisa uliotolewa.
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5.8
KATIBU WA BENKI
Hadi kufikia Desemba 31, 2015 Katibu wa benki alikuwa Bw. Ibrahim Mwangalaba ambaye pia ni
Mkurugenzi Mtendaji wa Benki.
5.9 HATARI NA UDHIBITI WA NDANI
Bodi ina wajibu wa kupokea hatari na udhibiti wa ndani wa benki.Ni jukumu la menejimenti kuhakikisha
kwamba udhibiti wa ndani wa fedha na mifumo mingine inaimarishwa ili kuhakikisha kunakuwepo na:
•
•
•
•
•
•
Mtiririko wa huduma nzuri za uendeshaji
Kulindwa kwa dhamana za benki
Kuzingatiwa kwa sheria na taratibu za uendeshaji wa benki
Kuwepo na taarifa nzuri za uhasibu zinazoaminika
Shughuli za kibenki zinakwenda vizuri hata wakati wa hali mbaya
Huduma nzuri kwa wateja
Uimara wa mfumo wowote wa udhibiti wa ndani unategemea zaidi kuchukuliwa kwa hatua kali za
kuzingatia sheria na taratibu. Kuna hatari ya baadhi ya wafanyakazi kutozingatia mambo haya. Ingawa
hakuna mfumo wowote wa udhibiti wa ndani unaoweza kukabili, mfumo wa benki umeasisiwa kuipa
Bodi uhakika kwamba mfumo wa udhibiti wa ndani ni salama. Bodi inatathmini mfumo wa udhibiti wa
ndani kupitia taarifa ya fedha inayomalizikia Desemba 31, 2015. Bodi inaamini kwamba mifumo yote ya
ndani ya benki ni salama.
5.10
UTAWALA WA BENKI
Bodi inabeba jukumu kubwa la usimamizi wa benki, likiwemo jukumu la kutambua maeneo hatarishi,
kufikiria na kusimamia maamuzi ya uwekezaji, kufikiria mambo ya fedha na kuangalia utendaji wa
Menejimenti kuhusu mipango na bajeti.
5.10 .1 Mahudhurio ya Mikutano yaBodi:
Bodi ilikutana mara kadhaa kwa ajili ya kuhakikisha kunakuwepo na udhibiti imara wa mifumo
na sera za ndani na uzingatiaji wa uendeshaji wa kampuni kwa ujumla. Uhudhuriaji wa mikutano
ya Bodi na Kamati ni kama ilivyoonyeshwa hapa chini:
Jina
Wadhifa
MBM
BARC
BCC
Bw. Amulike S.K. Ngeliama
Mwenyekiti
8
N/A
N/A
Bi. Dosca K. Mutabuzi
Makamu Mwenyekiti
7
N/A
N/A
Balozi. Richard E. Mariki
Mjumbe
6
N/A
10
Bi. Naftal M. Nsemwa
Mjumbe
8
5
10
Mch. Ernest W. Kadiva
Mjumbe
7
N/A
N/A
Bw. Felix H. Mlaki
Mjumbe
6
4
N/A
Bi. Anna T. Mzinga
Mjumbe
7
3
N/A
Bw. Ibrahim A. Mwangalaba
Mkurugenzi Mtendaji
8
N/A
N/A
Angalizo:
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MBM – Mjumbe wa Bodi
BARC – Kamati ya Bodi ya Ukaguzi na Athari Hatarishi
BCC– Kamati ya Bodi ya Mikopo
N/A – Haihusiki
Bodi ina mwongozo wake wa kusimamia wajibu na majukumu pamoja na tija na
ufanisi wa utendaji wa Bodi. Wakurugenzi wanatambua umuhimu wa kuwa watu
wanaoaminika wanaozingatia uwezo na uwajibikaji.Kwa mwaka 2015 Bodi ilikuwa na
kamati mbili ili kuhakikisha kuwa inakuwa na kiwango cha juu cha utawala bora wa kampuni.
5.10.3 Kamati za Bodi
Hadi Desemba 31, 2015 Bodi ilikuwa na kamati mbili za Ukaguzi na Athari Hatarishi na Kamati
ya Mikopo.Wajumbe wa kila kamati ni kama ifuatavyo:
Ukaguzi na Athari Hatarishi (BARC):
S/n
Jina
Wadhifa
Idadi ya
Vikao
Vikao
vilivyohudhuriwa
1
Bw. Naftal M. Nsemwa
Mwenyekiti
5
5
2
Bw. Felix H. Mlaki
Mjumbe
5
4
3
Bi. Anna T. Mzinga
Mjumbe
5
3
Kamati ya Mikopo (BCC):
Na.
Jina
Wadhifa
Idadi ya
Vikao
Vikao
vilivyohudhuriwa
1
Balozi. Richard Mariki
Mwenyekiti
10
10
2
Bw. Naftal Nsemwa
Mjumbe
10
10
5.10.4 MENEJIMENTI YA BENKI
Katika kipindi kinachozungumziwa, usimamizi wa benki ulikuwa chini ya Mkurugenzi Mtendaji,
akisaidiwa na viongozi waandamizi wafuatao:
Meneja Fedha;
Meneja Mikopo;
Meneja Ukaguzi wa Ndani na
Meneja waTeknohama.
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5.11
MTANDAO WA MATAWI NA UTOAJI HUDUMA
Benki ilikuwa na tawi moja Makao Makuu, Luther House hadi kufikia Desemba 31, 2015, linaloitwa
Luther House.
5.12
MIPANGO YA MAENDELEO YA BAADAE
Benki itaendela kuzingatia fursa za kibiashara zinazoibuka katika uchumi hasa katika mikopo na
biashara ya bima. Benki ina mipango ifuatayo kwa mwaka 2016.
5.13
•
Kuhamasisha uwekaji amana kufikia shilingi bilioni 80 ifikapo Desemba 31, 2016.
•
Kuimarisha ukopeshaji kufikia shilingi bilioni 55.
•
Kuongeza rasilimali za benki kufikia shilingi bilioni 109.
•
Kuanzisha huduma nyingine
•
Kupata faida ya shilingi bilioni 1.8 kufikia Desemba 31, 2016.
RASILIMALI WATU
Benki ina wafanyakazi wa kutosha wenye uwezo, sifa na uzoefu unaotakiwa kuendesha huduma za
kibenki.
5.14 VIASHIRIA VYA UTENDAJI KAZI
Viashiria vifuatavyo ni muhimu kwa mafanikio ya mikakati ya benki:
5.15 VIASHIRIA VYA UTENDAJI
2015
2014
Return on equity
3.53%
41%
Non interest income to gross income
13%
20%
Return on assets
0.32%
-1%
Cost to income ratio
198%
121%
Earning per share
20.95
-31%
Gross loans and advances to total deposits
36.6%
49%
Growth on loan and advances to customers
132%
471%
Non-performing loans to gross loans
17.8
15.3%
Growth on total assets
177%
179%
GAWIO
Wakurugenzi wa Bodi hawapendekezi kulipa gawio kwa Wanahisa kwa kipindi kilichoishia tarehe 31
Desemba, 2015.
5.16 USIMAMIZI WA HALI HATARISHI NA UDHIBITI WA NDANI
Bodi inakubali kubeba jukumu la kuhusika katika udhibiti wa mifumo ya ndani ya benki. Kwa hiyo, ni
jukumu la wakurugenzi kuhakikisha kwamba kunakuwepo na mifumo thabiti ya udhibiti wa mifumo ya
ndani katika benki.
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•
•
•
•
•
Uimara na ubora wa utendaji
Ulinzi wa dhamana za benki
Uzingatiaji wa sheria na taratibu
Kukubalika kwa rekodi za kihasibu
Uendelevu wa biashara
Ubora wa udhibiti wa ndani unategemea zaidi mambo hayo yaliyotajwa hapo juu. Kuna hatari ya
wafanyakazi kutozingatia mambo hayo kama ilivyoelezwa hapo juu.
Bodi ilitathmini udhibiti wa mifumo ya ndani ya benki kwa mwaka wote ulioishia Desemba 31, 2015 na
imeridhishwa kwamba ni imara.
5.17
MAMBO YA HATARISHI
Kwa maoni ya Wakurugenzi, hakuna mambo yoyote yanayoweza kuhatarisha shughuli za benki.
5.18 HALI YA UKWASI
Bodi inathibitisha kwamba taratibu muhimu za kihasibu zimezingatiwa na kwamba taarifa za fedha
zimetayarishwa kwa umahiri mkubwa.Bodi ya Wakurugenzi inatumaini kwamba benki ina vyanzo vya
kutosha kuiwezesha kuendesha shughuli zake kwa siku zijazo.
5.19 USTAWI WA WAFANYAKAZI
Uhusiano kati ya wafanyakazi na menejimenti umeendelea kuwa mzuri.Morali ya wafanyakazi ni kubwa
na hakuna malalamiko yoyote ya msingi yaliyoripotiwa kwenye Bodi.
Benki ni mwajiri mzuri. Inatoa nafasi za ajira kwa waombaji wenye sifa zinazotakiwa kwa nafasi
mbalimbali bila ubaguzi wa kijinsia, ukabila na mambo mengi yanayoharibu mfumo wa ajira kwa ujumla
wake.
Benki imefanya yafuatayo katika kukuza ustawi wa wafanyakazi:
•
•
•
•
Kutoa mafunzo kwa wafanyakazi.
Kutoa mikopo kwa wafanyakazi
Bima ya afya
Kupeleka mafao ya wafanyakazi kwenye mifuko ya pensheni
5.20
USAWA WA KIJINSIA
Benki ni mwajiri kwa watu wa jinsia zote. Hadi kufikia Desemba 31, 2015 benki ilikuwa na wafanyakazi
kama ifuatavyo:
Jinsia
68
2015
2014
Wanaume
22
17
Wanawake
13
6
Jumla
35
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5.21
MIAMALA NA WANAOHUSIANA NA BENKI
Biashara zote zilizofanywa na watu wa karibu na wenye mahusiano ya karibu na benki zimeonyeshwa
kwenye kielelezo namba 31 kwenye taarifa ya fedha. Biashara hizo zilifanyika katika misingi thabiti ya
kibiashara.
5.22 UHUSIANO NA WADAU
Benki imeendelea kuwa na uhusiano mzuri na wadau na vyombo vya usimamizi.
5.23 UWAJIBIKAJI WA BENKI KWENYE JAMII
Benki ilishiriki kikamilifu katika shughuli za kijamii.Katika kipindi cha mwaka 2015 benki ilishiriki
kuhudhuria na kutoa michango mbalimbali. Benki inagusa hisia za jamii inaposhiriki katika huduma za
kijamii kama vile kutoa msaada wa vitu mbalimbali kwa watu wenye ulemavu wa ngozi chini ya mwavuli
wa “Under The Same Sun”.Ugawaji wa madawati kwa shule ya Msingi Mkuranga na kuwasaidia watu
wasiojiweza, wanafunzi wa Mtoni Deaconic Centre.
5.24 MKAGUZI HURU WA HESABU ZA BENKI
Kampuni ya INNOVEX, ilipewa kazi ya kuwa mkaguzi huru wa hesabu za benki kwa mwaka ulioishia
Desemba 31, 2015. Kampuni hiyo imeeleza dhamira yake ya kuendelea kuihudumia benki na wako
tayari kuteuliwa tena.Pendekezo la kuteuliwa tena kwa wakaguzi wa benki kwa mwaka unaoishia
desemba 31, 2016 litawasilishwa kwenye Mkutano Mkuu huu.
69
Maendeleo Bank
Growing
to serve you
6.0 BODI YA WAKURUGENZI
Wajumbe wa Bodi ya Maendeleo Bank Plc, kutoka kushoto ni Naftal Nsemwa, Amulike Ngeliama, Mwenyekiti wa
Bodi na Kamati ya Ukaguzi na Athari Hatarishi; Ibrahim Mwangalaba, Katibu wa Bodi na Mkurugenzi Mtendaji wa Benki;
Anna Mzinga, Mjumbe Kamati ya Ukaguzi na Athari Hatarishi; Balozi. Richard Mariki, Mwenyekiti Kamati ya Mikopo,
Mch. Ernest Kadiva, Felix Mlaki, Mjumbe Kamati ya Ukaguzi na Athari Hatarishi na Dosca Mutabuzi,
Mwenyekiti Msaidizi wa Bodi.
70
Maendeleo Bank
Growing
to serve you
7.0 UONGOZI WA JUU WA BENKI
Viongozi waandamizi wa Maendeleo Bank Plc. Kutoka nyuma kushoto ni Margaret Msengi, Meneja wa Tawi; Ibrahim
Mwangalaba, Mkurugenzi Mtendaji; Mumi Philip, Meneja Mikopo; Nyuma kushoto ni Richard Mashiku, Meneja
Rasilimali Watu; Peter Tarimo, Meneja wa Fedha; George Wandwalo, Meneja Teknohama na Silvan Makole, Kaimu
Meneja Ukaguzi wa Ndani.
71
Maendeleo Bank
Growing
to serve you
8.0 UJIRA KWA WAJUMBE WA BODI
Katika kipindi cha mwaka 2015, benki ilipata mafanikio makubwa katika utendaji wake kwa kupata faida ya
shilingi.177.79milioniikilinganishwa na hasara ya Tshs. 281.20 milioni ya mwaka uliopita.Zaidi ya hayo, rasilimali
za benki zimeongezeka kufikia Tshs. 54.9 bilioniikilinganishwa na bajeti ya Tsh. 34.7 bilioni. Mafanikio hayo
yanaonyesha kwamba benki inaendelea kukua.Kwa kuzingatia utendaji wabenki, Bodi inapendekeza kwamba
malipo ya mwaka ya Wakurugenzi ibaki shilingi 1.5 million baada ya kodi kwa Mwenyekiti na shilingi. 1.0milioni
baada ya kodi kwa Wakurugenzi wengine.Posho za vikao zinapendekezwa kuwa shilingi. 650,000 baada ya kodi
kutoka shilingi 550,000 kwa Mwenyekiti na shilingi. 600,000 baada ya kodi kwa Wakurugenzi wengine kutoka
shilingi 500,000 baada ya kodi.
UJIRA WA MJUMBE WA BODI KWA MWAKA 2016/2017
UJIRA WA MKURUGENZI
KWA MWAKA
KIWANGO CHA SASA (TSHS)
KIWANGO
KILICHOPENDEKEZWA (TSHS)
Mwenyekiti
1,500,000
1,500,000 baada ya kodi
Mjumbe
1,000,000
1,000,000 baada ya kodi
Mwenyekiti
Tshs. 550,000 (kwa wajumbe wote wa
Bodi na mikutano ya kamati )
Tshs. 650,000 (Kwa wajumbe wote
wa Bodi na mikutano ya kamati)
baada ya kodi
Wajumbe
Tshs. 500,000 (kwa wajumbe wote wa
Bodi na mikutano ya kamati )
Tshs. 600,000 (Kwa wajumbe wote
wa Bodi na mikutano ya kamati)
baada ya kodi
POSHO ZA MIKUTANO
72

Growing - Maendeleo Bank PLC

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