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Jaiz Annual Report CONTENTS 1 VISION, MISSION STATEMENTS AND CORE VALUES 2 OUR STORY 3 OUR BRANCHES LOCATION AND ADDRESSES 5 THE BOARD 6 SHARIAH ADVISORY COMMITTEE OF EXPERTS(ACE) 11 THE REPORT 14 NOTICE OF ANNUAL GENERAL MEETING 15 CHAIRMAN'S STATEMENT 16 REPORT OF THE DIRECTORS 18 MANAGING DIRECTOR/CEO'S REPORT 22 REPORT OF AUDIT COMMITTEE 24 RISK MANAGEMENT 25 CORPORATE GOVERNANCE REPORT 40 REPORT OF CORPORATE GOVERNANCE APPRAISAL 48 CORPORATE SOCIAL RESPONSIBILITY 49 ADVISORY COMMITTEE OF EXPERTS REPORT 52 REPORT OF THE AUDITORS 53 THE ACCOUNTS 55 STATEMENT OF FINANCIAL POSITION 56 STATEMENT OF INCOME 58 Cont STATEMENT OF COMPREHENSIVE INCOME 59 STATEMENT OF CHANGE IN EQUITY 60 STATEMENT OF CASH FLOW 61 STATEMENT OF SOURCES AND USES OF QARD FUND 63 STATEMENT OF SOURCES AND USES OF CHARITY FUND 64 NOTES TO FINANCIAL STATEMENTS 65 ents 2 0 1 4 A N N U A L R E P O R T A N D A C C O U N T S 1 aiz Bank PLC was created out of the of the former Jaiz International Plc which was set up in 2003/2004 as a special purpose vehicle (SPV) to Jestablish Nigeria's first full-Fledged Non-Interest Bank. It is an unquoted public company owned by over 20,000 shareholders spread over the six geographical zones of Nigeria. Jaiz Bank Plc. obtained a Regional operating license to operate as a Non- Interest Bank from the Central Bank of Nigeria on the 11th of November 2011 and began full operations as the first Non-Interest Bank in Nigeria on the 6th of January, 2012 with 3 branches located in Abuja FCT, Kaduna and Kano. The Regional license allows the Bank to operate geographically in a third of the country. Also, based on recommendations from Islamic Development Bank (IDB), which is also a shareholder of the bank, Jaiz Bank PLC partnered with Islamic Bank Bangladesh (IBBL) for Technical and Management Assistance. Currently, Jaiz Bank is the only full-fledged Non-Interest (Islamic) Bank in Our Our Core Nigeria. It started with only three branches in 2012 and had since expanded its branch network to 17 with additional 10 scheduled for opening before the end of 2015. It has also applied to the regulatory body for a National Vision Mission Values Operating license which will enable it to operate in all parts of the Federation. The bank's ultimate objective is to expand beyond the shores of “To be the dominant non- To provide innovative, value Ÿ Quality Service Nigeria in line with its vision. interest financial services added non-interest financial -Customer First provider in Sub-Saharan services to our clientele Ÿ Team Spirit Africa” employing the best people ABOUT ISLAMIC BANKING Ÿ supported by technology Respect for the individual Non-Interest Banking is a profitable growing global phenomenon practiced Ethics in nearly 70 countries across the world including the United Kingdom, Ÿ Trust Canada, the United States of America, the United Arab Emirate, Malaysia, China, Singapore, South Africa, Kenya etc. Global Banks like HSBC, Ÿ Partnership Our Citibank, Barclays Bank etc. are also offering it. It is an alternative financial Ÿ Entrepreneurship service offering which is open to all irrespective of race or religion. It is based on the ethical principles of fairness, transparency and objectivity. Non-Interest Banking offers almost all the services of conventional banks. Story The difference is that non-interest Islamic Banks do not give or receive 2 2 0 1 4 A N N U A L R E P O R T A N D A C C O U N T S 2 0 1 4 A N N U A L R E P O R T A N D A C C O U N T S 3 aiz Bank PLC was created out of the of the former Jaiz International Plc which was set up in 2003/2004 as a special purpose vehicle (SPV) to Jestablish Nigeria's first full-Fledged Non-Interest Bank. It is an unquoted public company owned by over 20,000 shareholders spread over the six geographical zones of Nigeria. Jaiz Bank Plc. obtained a Regional operating license to operate as a Non- Interest Bank from the Central Bank of Nigeria on the 11th of November 2011 and began full operations as the first Non-Interest Bank in Nigeria on the 6th of January, 2012 with 3 branches located in Abuja FCT, Kaduna and Kano. The Regional license allows the Bank to operate geographically in a third of the country. Also, based on recommendations from Islamic Development Bank (IDB), which is also a shareholder of the bank, Jaiz Bank PLC partnered with Islamic Bank Bangladesh (IBBL) for Technical and Management Assistance. Currently, Jaiz Bank is the only full-fledged Non-Interest (Islamic) Bank in Our Our Core Nigeria. It started with only three branches in 2012 and had since expanded its branch network to 17 with additional 10 scheduled for opening before the end of 2015. It has also applied to the regulatory body for a National Vision Mission Values Operating license which will enable it to operate in all parts of the Federation. The bank's ultimate objective is to expand beyond the shores of “To be the dominant non- To provide innovative, value Ÿ Quality Service Nigeria in line with its vision. interest financial services added non-interest financial -Customer First provider in Sub-Saharan services to our clientele Ÿ Team Spirit Africa” employing the best people ABOUT ISLAMIC BANKING Ÿ supported by technology Respect for the individual Non-Interest Banking is a profitable growing global phenomenon practiced Ethics in nearly 70 countries across the world including the United Kingdom, Ÿ Trust Canada, the United States of America, the United Arab Emirate, Malaysia, China, Singapore, South Africa, Kenya etc. Global Banks like HSBC, Ÿ Partnership Our Citibank, Barclays Bank etc. are also offering it. It is an alternative financial Ÿ Entrepreneurship service offering which is open to all irrespective of race or religion. It is based on the ethical principles of fairness, transparency and objectivity. Non-Interest Banking offers almost all the services of conventional banks. Story The difference is that non-interest Islamic Banks do not give or receive 2 2 0 1 4 A N N U A L R E P O R T A N D A C C O U N T S 2 0 1 4 A N N U A L R E P O R T A N D A C C O U N T S 3 Our Branch Location and Addresses interest, nor finance anything that is harmful to society like alcohol, OUR VISION 1. Abuja Branch 10. Kano Branch 1 tobacco, gambling etc. They also seek to avoid gharar- speculation, To be the dominant non-interest financial services provider in Sub-Saharan Ground Floor Kano House No 55 Tafawa Balewa Way uncertainty deception and more. Africa”. 73 Ralph Shodeinde Street CBD, Off Murtala Muhammad Way, Currently, about 41% of Nigeria's total population of 183 million is craving Abuja Kano for such Non-Interest banking services. These people are desirous of ethical MISSION STATEMENT banking services which provide for socially responsible investment outlets. To provide innovative, value-added, non-interest financial services to our 2. Ado Bayero Mall Branchshop 11. Kano Branch 2 In a nutshell, Non-Interest Banking is a profit and loss sharing arrangement clientele employing the best people, supported by technology”. No. G5, Ado Bayero Mall, Trade Fair Complex, 2 Bello Road Kano where the mode of financing is mostly on mark-up, leasing and partnership Zoo Road, Kano basis. CORE VALUES 12. Katsina Branch Ÿ Quality Service – Customer First 3. ATBU Branch No 109B IBB Way, THE INVESTMENT OPPORTUNITY Ÿ Team Spirit Abubakar Tafawa Balewa University, Kofar Kaura Katsina Jaiz Bank Plc plans to upgrade to a National operating license by 2015. Ÿ Respect for the Individual Bauchi Consequently, it is increasing its current Share Capital Base from N11.7 Ÿ Ethics 13. Lagos Office billion (USD $75 million) to N15 billion (USD $78 million). This upgrade Ÿ Trust 4. Bauchi Branch 2nd Floor Xerox Building will enable the Bank operate in all 36 states of the Federation including the Ÿ Partnership No 2 Mohammed Bello Kirfi Road, No 90 Awolowo Road, Ikoyi Lagos Federal Capital Territory, thus positioning it to compete effectively in one of Ÿ Entrepreneurship Off Ahmadu Bello Way, Bauchi the most thriving sectors of the Nigerian economy. The Bank plans to be in 14. Maiduguri Branch 16 additional locations by 2015 and to reach 100 by 2017. BUSINESS PHILOSOPHY: 5. Gombe Branch No 18 Shehu Laminu Way, Our philosophy is to deliver world class sharia compliant financial services No 8 New Market Road, Maiduguri THE POTENTIAL FOR NON- INTEREST BANK IN NIGERIA to our clientele irrespective of class, creed, race or religious belief and to Commercial Area Gombe The business potential for a Non-Interest Bank in Nigeria is enormous as contribute to the socio-economic development of the society. 15. National Assembly Branch such an institution has long been awaited by a population of over 78 million 6. Gusau Branch National Assembly Complex, Nigerians representing over 46% of the country's population of about No 21 Canteen Road, Opposite CBN 3 Arms Zone Abuja 170million. Jaiz Bank is focusing mainly on retail banking, but will also For Enquiries: Kindly contact us at: Gusau offer corporate and commercial banking services. 16. NNPC Branch Jaiz Bank Plc. 7. Head Office Ground Floor, Block B Room This focus will make it easy to service the majority of Nigerians who want do Kano House, 73 Ralph Shodeinde Street, Kano House, 16, NNPC Towers, Abuja away with Riba (Usury) in their daily activities.
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