NMB BANK PROFILE 2016

IN PURSUIT OF EXCELLENCE

Contents Page

Who are we 01

Vision,Mission and Values Statement 02

Company History 03

Group Structure 04

Investors 05

Board of Directors 06

NMBZ Holdings Limited Financial Highlights as at 31 December 2013 07

Corporate Governance 08

Committee Functions 09

Business Model and Nature of our Business 10

Corporate Finance and Advisory Services 12

Management Information Systems 13

Profiles of Key Personnel 14

Branch Network 16

WHO ARE WE

NMBZ is a Zimbabwean based investment holding company whose principal subsidiary is NMB Bank Limited, a registered commercial bank in terms of the Banking Act Chapter 24.20. Its other subsidiary is Stewart Holdings (Private) Limited, an equities holding company. The Group has a dual listing on the Zimbabwean Stock Exchange and the London Stock Exchange.

01

02

VISION

To be the leading financial services group in our chosen market.

VALUES STATEMENT

INTEGRITYUprightness in character

PROFESSIONALISMExhibiting expertise and fairness in our work

EXCELLENCEBeing exceptional in all our dealings

LOYAL AND DEDICATED STAFFAttracting and retaining professional, skilled and motivated staff

INNOVATIONCommitted to providing solutions that maximise value to our customers

SHAREHOLDER VALUEAchieving stakeholder satisfaction through high shareholder returns

PARTNERSHIPSAchieving a common destiny through shared responsibilities, shared resources and mutual benefits

MISSIONTo provide premium financial services to existing and potential high net worth individuals and businesses and unique branded technology enabled products to SMEs and the mass market.

NMBZ is a Zimbabwean based investment holding company whose principal subsidiary is NMB Bank Limited. Its other subsidiary is Stewart Holdings (Private) Limited, an equities holding company. The group has a dual listing on the Zimbabwean Stock Exchange and the London Stock Exchange. NMB Bank Limited (Formerly National Merchant Bank of Zimbabwe Limited) was established in October 1992 by a group of Zimbabwean entrepreneurs who had previously held senior positions in renowned international financial institutions such as the World Bank and the International Finance Corporation. The impetus for the creation of NMB Bank came from the liberation of the Zimbabwean economy and financial sector in the 1990s.

NMB Bank was registered as an accepting house under the Banking Act in May 1993. Continued growth created the opportunity for a public flotation of the Group, and in early 1997, the NMBZ Group was listed successfully on the Zimbabwe Stock Exchange and simultaneously admitted to the Official List of the London Stock Exchange. The public offer was 4.5 and 2 times oversubscribed in Zimbabwe and London respectively, and it enhanced substantially the Bank’s capacity to write large business transactions.

On 6 December 1999, NMB Bank was granted a commercial banking licence. This enhanced funding capacity as well as improving product offerings. The commercial bank opened its doors to the public in July 2000. NMB Bank won several awards in recognition of its service excellence and leadership in its niche market. The Bank was awarded the international EURO Money awards for Excellence both in 1998 and 1999. The Bank also won the Financial Times Banker Magazine, Bank of the Year Award for the best bank in Zimbabwe, two years in a row in 2001 and 2002. Zimbabwe experienced a hyperinflationary period between 2003 and 2009 resulting in the destruction of the Zimbabwean dollar and consequent erosion of capital and value for the Bank before the economy adopted a multi-currency system in February 2009 which saw the introduction of the South African Rand (ZAR), United States Dollar (USD) and other major currencies. NMB bank weathered this challenging period owing to a loyal customer base, a strong brand and dedicated management.

ICSAZ Excellence in Corporate Governance Awards 2015Banking Institutions category:• Best Banking Governance Practices Award• Best Banking Risk Management Practices Award• Overall Best Banking Corporate Governance Practices Award• 2nd Best Banking Internal Audit Disclosures Award and• 2nd Shareholder Treatment Award for Zimbabwe Stock Exchange

listed companies.

ICSAZ Excellence in Corporate Governance Awards 2014.Banking Institutions category: • Third prize in best Governance practice • Second Prize in best Risk Management• First Prize in best Internal Audit disclosures• Second Prize in overall best Governed Banking Institution

Financial Times Banker Magazine:• Best Bank in Zimbabwe 2001 and 2002Euromoney Awards:• Best Bank in Zimbabwe 1998 and 1999

ZNCC Awards

• Financial Institution of the Year 2015 sponsored by Ernst & Young.• The sponsor’s certificate for the Retailer of the year 2014• The best bank supporting SME’s in 2014• First Runner Up Certificate for being the Financial Institution of the Year 2014 sponsored by Ernst & Young

COMPANY HISTORY AWARDS

03

Following the formation of the Unity Government and the dollarization of the economy and in order to meet the minimum requirements for commercial banks, the Bank under-took a rights issue in June 2010 to raise US$10.3 million. The rights issue was fully underwritten by African Century Financial Services Investments LLP, an investment partnership based in the United Kingdom. The transaction resulted in African Century acquiring a 25% stake in the Bank. In order for the Bank to grow its balance sheet and increase capacity to write more business, it embarked on strategies to increase its capital early in 2012. This strategy was over time supported by the Central Bank’s announcement of revised capital minimum requirements. NMBZ Bank then invited three institutional investors; FMO, Norfund and Africinvest to participate in a share placement for a collective additional capital of $14.8 million in NMB Bank. The new capital accelerated NMB Bank’s organic growth and enhanced the Bank’s shareholder profile.

GROUP STRUCTURE

NMBZ Holdings Limited

100%NMB Bank Limited(Registered Commercial Bank)

100%Stewart Holdings (Private) Limited

The major shareholders of NMBZ folowing this investment are:

Shareholder Shareholding (%)

African Century 18.3

Old Mutual 15.3

Founding Shareholders 12.3

Afric Invest 9.0

FMO 9.0

Norfund 9.0

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CHANGES IN SHAREHOLDING POST DOLLARIZATION

AFRICINVEST AfricInvest-TunInvest Group (www.africinvest.com) was founded in 1994 and is part of an investment and financial services group called Integra Partners. Integra Partners offers Private Equity, Brokeage, Asset Management and Corporate Finance services. The Group started in the Maghreb region and it initiated AfricInvest, a Mauritius domiciled company, jointly with FMO, as a management company which manages several venture capital/private equity funds operating in Sub Saharan Africa.

Today the AfricInvest-TunInvest Group is one of the leading private equity firms in North Africa and SSA with over US$700 million of assets under management across 12 private equity funds sponsored by prestigious development finance institutions including FMO, IFC, EIB, AfDB, Proparco, BIO, SIFEM, FinFund and Development International Desjardans (DID), and private and institutional investors. It has an excellent track record with over 94 investments made across several sectors in 21 countries and more than 44 exits generating above market internal rate of returns. It has made significant contribution to the economic development of its target countries through the growth and profitability achieved by its portfolio companies.

FMO FMO (the Netherlands Development Finance Company) is the Dutch development bank. FMO supports sustainable private sector growth in developing and emerging markets by investing in ambitious entrepreneurs. FMO believes a strong private sector leads to economic and social development, empowering people to employ their skills and improve their quality of life. FMO focuses on three sectors that have high development impact: financial institutions, energy, and agribusiness, food & water. With an investment portfolio of EUR 6.2 billion, FMO is one of the largest European bilateral private sector development banks.

NORFUNDNorfund is a hybrid company with limited liability established in 1997 and operated under special legislation (the Norfund Act) and owned by the Norwegian Government through its Ministry of Foreign Affairs. It is a development finance institution. Norfund acts as a key instrument of Norwegian development policy, and the Slorling (Norwegian parliament) allocates annual capital grants to Norfund in its development assistance budget.

Norfund’s mission is to help developing counties fight poverty through supporting economic growth, employment and technology transfer. The objective is to promote business development and contribute to economic growth and poverty alleviation. Norfund operates in some of the world’s poorest countries and invests in market where ordinary commercial enterprises are often reluctant to venture alone because of the high risk. Norfund invests equity, directly in enterprises and indirectly through funds, as well as providing loans to individual companies. The investments are done on commercial terms directly in companies or through local investment funds.

OLD MUTUALOld Mutual began in Cape Town in 1845 as South Africa’s first mutual life insurance company, offering financial security in uncertain times. Today, 170 years on, Old Mutual builds on this heritage of trust and accountability by meeting a broad range of retail and commercial customers’ financial services needs at each stage of their lives. Old Mutual takes a long view, aiming ultimately to enable a positive future for all its stakeholders. Old Mutual have been listed on the London and Johannesburg stock exchanges, among others, since 1999.

Old Mutual provides investment, savings, life assurance, asset management, banking and property and casualty insurance in Africa, Europe, the Americas and Asia. Old Mutual have over 17 million customers and approximately 61 500 employees

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INVESTORS

AFRICAN CENTURYAfrican Century is an operating investment company that has developed a portfolio of investments in sub-Saharan Africa, principally in East and Southern Africa. African Century invests in sectors benefiting from GDP growth and increasing consumer demand. African Century creates value for its investors by applying its capital and management to develop and grow substantial, high quality businesses. African Century creates value for its stakeholder communities by operating in a socially and environmentally responsible way, with the intention of creating lasting employment and, above all, by supporting the development of local skills and infrastructure. Central to African Century’s approach is the firm belief in the role of capitalism in addressing the long term improvements in living standards across the continent.

The Board of NMBZ Holdings consists of 10 Directors, African Century, AfricInvest, FMO and Norfund each appointed a Director to the Board of NMBZ

Holdings and NMB Bank being Jonathan Chenevix-Trench, Ben Zwinkels, Cheikh Ndiaye and E. Sandersen respectively.

The names and qualifications of the Directors of the current Board of NMBZ Holdings Limited are as indicated below:

Benedict Chikwanha Independent Board Chairman Career Banker

Benefit Washaya Chief Executive Officer AIBZ, CAIB(SA), ACIS, MBA Finance (University of Wales)

Cheikh Ndiaye Non-Executive Director BA, B Econ, MBA

Charles Chikaura Non-Executive Director MBA, UZ, BA (Honours) University of Rhodesia; Institute of Bankers Diploma

Maureen Svova Non-Executive Director B Compt, CACZ

Jonathan Chenevix-Trench Non-Executive Director (Classical History and Philosophy) Oxford University

Ben Zwinkels Non-Executive Director Diploma Business Admin, Diploma Commercial Lending

E. Sandersen Non-Executive Director MBA (Stanford University), Msc Engineering (NTNU)

J. Maguranyanga Independent Non-Executive Director LLBS (UZ), Master of Laws (Corporate & Commercial Law) (UL)

K. Qurashi Independent Non-Executive Director B.Sc (University of Karachi, Pakistan), MBA (University of Karachi, Pakistan)

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BOARD OF DIRECTORS

Name Designation Qualifications

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FINANCIAL HIGHLIGHTS

30 June 30 June 31 December

2015 2014 2014

Unaudited Unaudited Audited

Total income (US$) 28 802 534 23 303 115 48 078 454

Attributable profit (US$) 3 166 684 1 386 233 1 667 247

Basic earnings per share (US cents) 0.82 0.36 0.43

Total deposits (US$) 287 047 011 213 795 232 235 362 677

Loans and advances (US$) 236 180 331 193 620 036 217 463 319

Total shareholders’ funds (US$) 48 216 645 44 834 220 45 047 616

FINANCIAL SUMMARY

The Board recognizes that maintaining good corporate governance practices is an ongoing and continuous process. The Board adopted corporate governance guidelines which reflects its commitment to monitoring the effectiveness of policy and decision-making at board and management level ensuring strict adherence to corporate governance principles, with the goal of enhancing shareholder value.

The Group emulates corporate governance principles prescribed in the Combined Code of the United Kingdom, the King III report of South Africa and the Reserve Bank of Zimbabwe Corporate Governance Guideline. The Board has set up the Audit Committee, Human Resources, Nominations and Remuneration Committee, Asset and Liability Management Committee (ALCO), Finance and Strategy Committee, Credit Committee, Loans Review Committee and the Risk Management Committee to assist in the discharge of its duties and responsibilies.

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CORPORATE GOVERNANCE

The committee oversees the Group’s financial reporting process, monitoring the integrity and appropriateness of the Group’s financial statements: evaluating the adequacy of the Group’s financial, operational and compliance, internal controls and risk management processes and the selection, compensation, independence and performance of the Group’s external and internal auditors.

The committee meets at least four times a year. The Committee meets regularly with the Company’s internal and external auditors. Both the internal and external auditors have unrestricted access to the audit committee to ensure their independence and objectivity.

The Loans Review Committee assesses compliance of the loan book with the lending policy and the Banking regulations. The committee conducts loan reviews independent of any person or committee responsible for sanctioning credit.

HUMAN RESOURCES NOMINATIONS & REMUNERATION COMMITTEE

The committee is responsible for settling the group’s remuneration philosophy and reviews the overall remuneration structures of the Group, including all material remuneration proposals and packages for Executive Directors and senior personnel.

The committee also considers nominations to the Board and succession nomination for the Board.

CREDIT COMMITTEE

The credit committee’s main responsibilities are to consider loan applications beyond the discretionary limits of the management committees and to direct the formulation of, review and monitor the credit principles and policies of the Group.

RISK MANAGEMENT COMMITTEE

The Risk Management Committee oversees the quality, integrity and reliability of the Group’s risk management systems and reviews all Group-wide risks

The Asset and Liability Management Committee (ALCO), Finance and Strategy Committee is responsible for deriving the most appropriate strategy for the Group in terms of the mix of assets and liabilities given its expectations of the future and the potential consequences of interest-rates movements, liquidity constraints, foreign exchange exposure and capital adequacy. The committee also ensures that such strategy is in line with the Group’s risk appetite. In addition, the committee monitors the business and financial strategies of the Company.

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AUDIT COMMITTEE

LOANS REVIEW COMMITTEE

ASSET AND LIABILITY MANAGEMENT COMMITTEE (ALCO), FINANCE & STRATEGY COMMITTEE

The Bank’s business model targets corporates, institutions, individuals and SMEs. It aims to build a solid business book and grow its retail deposits on the back of a proven record of quality service delivery. The Bank continues to operate through strategic placement of service centres at key commercial and industrial locations in the major cities of Harare, Bulawayo, Gweru, Kwekwe, Mutare and Masvingo.

PERSONAL BANKING SERVICESThe Personnel Banking Services department facilitates customer transactions through the Bank’s delivery channels – branch network, ATMs and Internet Banking , The Bank operates 13 branches in Harare, Bulawayo, Gweru, Kwekwe, Mutare and Masvingo. The products and services offered include current accounts, fixed deposits, packaged lending, internet banking, local and international VISA debit/credit cards, exchange control services, telegraphic transfers, safe custody and bank drafts. The Bank has a total of 12 Automated Teller Machines (“ATM”) spread across all branches in Harare, Bulawayo , Gweru, Kwekwe and Mutare. The Bank is a principal member of VISA International. This membership enables the Bank to use VISA branded debit and credit cards as well as accept other member bank cards through the ATM network. The Card Centre in Harare is responsible for VISA card issuance. The Bank is also a member of ZImswitch, a local company that offers switching and funds transfers between banks. The membership enables the Bank’s customers to withdraw cash and make card payments through other member bank ATMs and point of sale terminals.

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BUSINESS MODEL

NATURE OF BUSINESS

“ Professionalism Exhibiting expertiseand fairness in our work.”

TREASURYThe treasury operations offer a full range of money market investment opportunities, namely call, demand and time deposits and bankers acceptances. In addition the treasury department is involved in accepting and discounting banker’s acceptances and promissory notes, advising on money markets, issuing of negotiable certificates of deposits and offering competitive exchange rates on the purchase and sale of foreign currency for which short term bridging finance may be provided to facilitate import payments. For cross currency transactions, treasury provides Forward Exchange Contract in all major currencies for the exchange rate risk protection of exporters and importers. CORPORATE BANKING The Corporate Banking department is a customer focused provider of business banking solutions, which include lending, deposit taking, transactional banking and international banking. The Bank’s team of relationship managers has nurtured long standing business relationships with corporate customers. The department provides short term working capital finance through overdrafts, acceptance credits and short term loans, commodity financing, bank guarantees, trade finance, project finance, order finance, bill discounting and structured finance.

AGRI-BUSINESS The Agribusiness unit structures and facilitates lending to the agricultural sector. The department advises clients on financing options to meet their requirements for agricultural and associated processes. It offers a number of products which include seasonal loans and overdrafts, internet banking, acceptance credits and bank guarantees. The department is manned by qualified managers who make regular visits to farms to monitor progress on the ground and offer technical expertise to farmers.

INTERNATIONAL BANKING The department handles the bank’s international payments and manages relationships with correspondent banks. Pursuant to this role, the department offers offshore finance for imports and exports, documentary letters of credit – inward and outward, advice to clients on exchange control matters, cross border investments applications, international guarantees, international payments – drafts and telegraphic (SWIFT) transfers, structured finance, handling of export transactions, documentary collections and money transfer business.

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NATURE OF BUSINESS (continued)

The Bank’s advisory services department has a proven track record of growing and nurturing small to medium sized businesses. The unit was responsible for the listing of some of the largest companies on the Zimbabwe Stock Exchange, including names such as Econet Wireless, CBZ and AICO.

Some of the services offered by the department are as follows:

Corporate Restructuring:Balance sheet securitization, valuation of business enterprises and fairness opinions, corporate turnaround strategies, strategic partnership and joint venture formations.

Empowerment Transactions: Employee share ownership schemes, management buy outs, management buy ins, shareholding securitization transactions, general transfer of asset ownership and compliance with employment laws.

Investment Advisory Services:Private equity investment and venture capital transactions, wealth planning, investment performance measurement services, portfolio valuation services, investment asset securitization and investment research services.

Structural Finance: Project and structured finance transactions, securitization transactions, structured debt and working capital transactions.

Capital Raising: Private Placement, public offerings, rights offers, debt issues and leasing.

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HUMAN RESOURCES NOMINATIONS& REMUNERATION COMMITTEE

The Bank has invested in technology that tie together to provide a comprehensive delivery channel for both Corporate and Retail clients - Temeno’s T24 is at the heart of all core banking activities. The infrastructure that the Bank has invested in provides it with the ability to provide its clientele with convenient and innovative Banking solutions that span from e-banking beign provided via infosys’s Corporate e-channels platform, to personalised banking products for individual clients.

The ever changing landscape of the cyber world continues to present an ever evolving challenge. However, the Bank has invested in technologies that help to mitigate various threats that may be posted by connectivity to the outside world whilst providing convenience to customers. The Bank strives to keep up with international best practice in its deployment of technology and thus invests in the maintenance and upgrades of the technologies currently deployed whilst seeking new technologies that enable it to develop innovative products continuously in pursuit of service excellence.

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MANAGEMENT INFORMATION SYSTEMS

The Bank’s senior management is comprised of highly qualified and experienced individuals. Some of the individuals previously held senior positions in renowned international and local financial institutions

AIBZ, CAIB(SA), ACIS, MBA Finance (University of Wales) Mr Washaya commenced his banking career with Barclays Bank in 1978 where he held general management positions including Director’s Assistant, Risk Management and Business Centre Director. He left Barclays Bank in 1997 to join NMB Bank where he became Divisional Director, Risk Management and was responsible for setting up the Risk Management systems in the bank. Benefit Washaya moved to Metropolitan Bank of Zimbabwe Limited in March 2004 as Chief Executive Officer. He re-joined NMB Bank as Managing Director on 7 January 2008 during a very difficult period in the history of the bank. He successfully presided over the change-over period from the ZWD to the multi-currency regime in 2009 when most bank balance sheets started from a near zero base. In 2010, he was part of the team that successfully raised US$10 million through a rights issue which broadened the bank’s shareholder profile and again in 2013, he was part of the team that was involved in a private placement which raised close to US$15 million and brought on board three strategic institutional investors.

Benefit Washaya (56) Chief Executive Officer

B. Acc (Honours) (UZ), CA(Z), ACMA, CGMA, MBL (Unisa) Mr Ndachena, a Chartered Accountant by profession, joined the Group as the Senior Manager of Finance and Administration on 1 July 2001. Prior to joining the Group, he held the position of Financial Controller at OK Zimbabwe where he managed the Division’s Accounting Department. Previously, Benson spent 8 years with Deloitte & Touché Chartered Accountants (Zimbabwe) where he rose through the ranks to become an Audit Manager and Senior Consultant and gained extensive experience in auditing, accounting, consultancy and taxation. He has 14 years of banking experience.

Benson Ndachena (50) Chief Financial Officer

MBA in Banking and Finance (University of Wales), Postgraduate diploma in Financial Strategy, Project Management (Open University UK), AIOBZ Mr Mangozho began his career in 1981 with Standard Chartered Bank Zimbabwe. He then joined Bard Discount House as a money market dealer and later moved on to ABC (then R.A.L) and rose through the ranks to the position of Chief Dealer. In 1993, Felix moved to NMB Bank as Manager - Treasury and subsequently rose to the post of General Manager- Treasury. From 2002, he served as a Financial Consultant in London, UK. He has 33 years of banking experience.

Felix Mangozho (57) Director -Treasury

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KEY PERSONNEL PROFILES

MBA(UZ), AIOBZ, ACISMr Chinyamutangira is the Director - Banking for NMB Bank, a position he has held since 2008. In this job, he leads Corporate Banking and International Banking divisions. Before assuming this role, he held other senior positions in the bank which include General Manager - Risk Management and Assistant General Manager - Corporate Banking. Lionel joined NMB Bank in 2001 after having gained working experience from Standard bank, ZB Bank and MBCA. He has 33 years of banking experience.

Lionel Chinyamutangira (52) Director Banking

MBA (Oxford Brookes University), CIS (Intermediate Certification), HND Business StudiesMr Mutogo has 31 years of banking experience having worked for Standard Chartered Bank from 1983 until he joined NMB Bank in 2000.

Fanwell Mutogo (53)Head - Corporate Banking

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BCom Honours in Banking, MSc in Finance & Investments (NUST), Master in Business Leadership (Unisa) - Currently studyingMr Gore has over 14 years banking experience having worked for a number of banks including Barclays Bank, Interfin Merchant Bank and the Reserve Bank of Zimbabwe from 2000 to early 2008. He is a qualified banker with experience in strategic management, risk, treasury and lending, coupled with progressive years in formulating strategies to enhance and maintain sound risk management systems in banks. He joined NMB Bank on 1 July 2008 as Head of Risk, rose to the position of Chief Risk Officer until his appointment to the position of Chief Operating Officer in December 2015.

MSc Finance (NUST), BCom Finance (NUST), AIOBZMr Kazunga began his career in 2000 with NMB Bank as an Investment Analyst. He then joined Century Investment Bank in 2001 as an Investments Manager and re-joined NMB Bank as Head of Corporate Finance in 2008 and served until 2010. On 1 March 2012, he re-joined NMB Bank as Divisional Executive - Corporate Finance. He has over 10 years investment banking experience.

Loyd Kazunga (39) Divisional Executive - Corporate Finance

Gerald Gore (37) Chief Operating Officer

KEY PERSONNEL PROFILES (continued)

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MBA (MSU), BBA, Management of Information Systems and Accounting (Kenya), Diploma - Risk and Security Management (CACC, Zim)Mr Janda has over 14 years work experience within the Mobile Payments, Banking and Telecommunications industries. He has worked for companies such as Standard Bank Group - South Africa, Fundamo/ Visa Electron - South Africa, Econet Wireless and Globacom Group - Nigeria. He joined NMB Bank on 16 February 2015 as Chief Information Officer.

Farai Janda (38)Head Information, Communication& Technology (ICT)

Bachelor of Laws Honours Degree LLBS (UZ), Master of Laws (Commercial Law) (LLM) UNISA - Currently studyingMrs Mutandwa has 11 years banking experience having worked for Reserve Bank of Zimbabwe from to 2004 to 2009. She joined NMB Bank on 1 December 2009 as Company Secretary / Head - Legal and Corporate Affairs.

Violet Mutandwa (35)Head - Legal and Corporate Affairs/Company Secretary

MSc Quantitative Finance (UNIVERSITY OF LONDON), BSc Applied Mathematics (NUST)Mr Fushai began his banking career with the Reserve Bank of Zimbabwe in 2008 in the Banking Licensing, Supervision and Surveillance division. He later worked for a local consulting company as a senior consultant focusing on Risk Management, Basel II and Financial Modelling. He joined NMB Bank on 11 January 2011 as a Quantitative Risk Analyst before being promoted to the position of Senior Risk Manager looking after Credit, Market, and Operational Risk. He was appointed as the Head of Risk and Compliance in December 2015.

Ashley FushaiHead - Risk and Compliance Management

MBA (NUST), AIBZ, ACIS, ACCA, PDGM (NUST)Mr Hapadziwi is a carrer banker for a period spanning over 26 years. He joined NMB Bank in 2002 and has served in various capacities until his appointment to this position. In the period 1989-1997 he worked for Standard Chartered Bank before joining FBC Bank (formerly First Banking Corporation) whom he served until early 2002. He has vast experience in managing strategic change.

Givens Hapadziwi (43)Head - Retail Banking

KEY PERSONNEL PROFILES (continued)

First Floor, Unity Court,cnr Kwame Nkrumah Ave/First StP O Box 2564, Harare, ZimbabweTel: (+263-4) 759651-9, 759601-6Fax: (+263-4) 759648Telex: 26392

JOINA CITYShop No. 105A First Floor Joina CityTel 1: (263-4) 759803/5Tel 2: (263-4) 798865-9Tel 3: (263-4) 750922

NMB CENTRE Cnr George Silundika Ave / Leopold Takawira St

DIGITAL BANKING CENTRE Ground Floor, Unity Court Cnr Kwame Nkrumah Ave / First St P O Box 1006 Tel: (+263-4) 798815/9 Fax: (+263-4)798850

PERSONAL BANKING P O Box 3913 Tel: (+263-9) 886628-35 Fax: (+263-9) 68535

CORPORATE BANKING P O Box 3919Tel: (+263-9) 882060-7Fax: (+263-9) 882068

57 A Robert Mugabe WayTel: (+263-55) 25780-5

36 Robert Mugabe RdP O Box GWR 2169Tel: (+263-54) 227705, 226020-7Fax: (+263-54) 26250

Ground Floor, Central Africa Housecnr Aerodrome Rd / Herbert Chitepo StTel: (+263-20) 69136-45Fax: (+263-20) 69135

MSASA SOUTHERTON EXCELLENCE CENTRE77 Amby Drive, Msasa 9 Plymouth Rd New Block 3,Suite F, Shop 89 Sam Levy 's Village,P O Box AY369, Amby P O Box ST 867, Southerton Borrowdale , Harare Tel: (+263-4) 446100-9 Tel: (+263-4) 775150-2,773901 Tel: +263 4 850921/922/923/924/925/926/927Fax: (+263-4) 446119 Fax: (+263-4) 2911227

AVONDALE PaSangano Complex 20 King Gorge Rd Tel: (+263-4) 708391-5 Fax: (+263-4) 700711

BORROWDALEShop 37/38 Sam Levy’s VillageTel: (+263-4) 850983-9Fax: (+263-4) 850993

CORPORATE BANKING DIVISION 9 Plymouth Rd P O Box ST 867, Southerton Tel: (+263-4) 775150-2, 7751228/9 Fax: (+263-4) 748005

EASTGATEGround Floor, Eastgate Shopping CentreCnr Robert Mugabe Rd/Third StP O Box 8880 Tel: (+263-4) 797362-9Fax: (+263-4) 797370

HARARE

BULAWAYO

KWEKWE

GWERU

MUTARE

Shop No.1 Old Mutual BuildingRobert Mugabe StMasvingoTel: (+263-39) 262810, 262813/5

MASVINGO

Stand No. 469 Magamba WayChinhoyiTel: (067) 25212-17

CHINHOYI

NMB BANK HEAD OFFICE

OUR BRANCH NETWORK

Corporate Website: http://www.nmbz.co.zwInternet Banking: https://www.nmbdirect.co.zwE-mail: [email protected]