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Dashen Bank Annual Report 2013-2014

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Dashen Bank Annual Report 2013-2014 Dashen Bank th 18 Annual Report for the year ended June 30 2014 November 15, 2014 Contents Statement of the Board Chairman 6-7 The President’s Message 8-9 Board of Directors’ Report 10-17 Introducing our new brand... Auditors’ Report 18-19 Balance Sheet 20 Profit and Loss Account 21 For every banking need you may have, Dashen Bank has a solution for it. We offer a wide range of services designed to give our customers an unparalled Cash Flow Statement 22 banking experience. Look no further, we have it all. Notes Forming Part of the Financial Statements Our new brand comes also with a baggage of exciting new banking products 23-33 designed to improve your banking experience. We have now launched our tailor made saving account products, we have introduced new payment cards and money transfer services, and soon you will be able to bank from wherever you are and whenever you want with our online banking services. The Right Choice for Success! Dashen Bank 18th Annual Report 2013-2014 1 Contents Statement of the Board Chairman 6-7 The President’s Message 8-9 Board of Directors’ Report 10-17 Introducing our new brand... Auditors’ Report 18-19 Balance Sheet 20 Profit and Loss Account 21 For every banking need you may have, Dashen Bank has a solution for it. We offer a wide range of services designed to give our customers an unparalled Cash Flow Statement 22 banking experience. Look no further, we have it all. Notes Forming Part of the Financial Statements Our new brand comes also with a baggage of exciting new banking products 23-33 designed to improve your banking experience. We have now launched our tailor made saving account products, we have introduced new payment cards and money transfer services, and soon you will be able to bank from wherever you are and whenever you want with our online banking services. The Right Choice for Success! Dashen Bank 18th Annual Report 2013-2014 1 Our Scorecard Total Capital (in Billions Birr) Total Asset Level (in Billions Birr) Total Loans & Advances (in Billions Birr) 2.6 22.0 9.4 8.7 Dashen 19.7 2.0 7.9 17.5 Bank 1.8 14.6 6.1 1.4 The Right Choice for Success! 2010/11 2011/12 2012/13 2013/14 2010/11 2011/12 2012/13 2013/14 2010/11 2011/12 2012/13 2013/14 Total Deposits (in Billions Birr) Number of Depositors (in thousands) Number of Loanees 17.7 15.9 1,201 7,957 7,225 14.1 920 1,037 11.8 809 5,805 6,999 Vision In as much as Mount Dashen excels all other mountains in 2010/11 2011/12 2012/13 2013/14 2010/11 2011/12 2012/13 2013/14 2010/11 2011/12 2012/13 2013/14 Ethiopia, Dashen Bank continues to prove unparalleled in banking services. Total Revenue (in Millions of Birr) Total Expense (incl. provisions, in Millions Birr) Gross Profit Before Tax (in Millions Birr) 958 2,145 1,187 893 1,725 1,817 1,004 813 Mission 832 652 630 1,282 Provide efficient and customer focused domestic and international banking services by overcoming the 2010/11 2011/12 2012/13 2013/14 2010/11 2011/12 2012/13 2013/14 2010/11 2011/12 2012/13 2013/14 continuous challenges for excellence through the application of appropriate technology. Net Profit (in Millions of Birr) Earning Per Share Paid-up Capital (in Millions Birr) 712 926 1,064 652 823 607 753 Value 670 451 737 Develop banking habit in the community 699 704 Assist continuous growth of customers 2010/11 2011/12 2012/13 2013/14 2010/11 2011/12 2012/13 2013/14 2010/11 2011/12 2012/13 2013/14 Sustainable growth and stability No. of Staff No. of Area Banks No. of Forex Bureaux 4,284 High integrity and accountability 133 3,690 Esteemed customers satisfaction 3,042 103 5 5 5 5 2,826 72 Non-stop openness for community access 64 Brightened and trained employees Attend customers' constructive outlook 2010/11 2011/12 2012/13 2013/14 2010/11 2011/12 2012/13 2013/14 2010/11 2011/12 2012/13 2013/14 Normative confidentiality No. of ATMs No. of Bilateral Key Exchange Arrangements No. of POS Terminals 471 827 Keen to build professionalism and service quality 170 780 748 454 704 434 105 105 404 70 2010/11 2011/12 2012/13 2013/14 2010/11 2011/12 2012/13 2013/14 2010/11 2011/12 2012/13 2013/14 Dashen Bank 18th Annual Report 2013-2014 3 Our Scorecard Total Capital (in Billions Birr) Total Asset Level (in Billions Birr) Total Loans & Advances (in Billions Birr) 2.6 22.0 9.4 8.7 Dashen 19.7 2.0 7.9 17.5 Bank 1.8 14.6 6.1 1.4 The Right Choice for Success! 2010/11 2011/12 2012/13 2013/14 2010/11 2011/12 2012/13 2013/14 2010/11 2011/12 2012/13 2013/14 Total Deposits (in Billions Birr) Number of Depositors (in thousands) Number of Loanees 17.7 15.9 1,201 7,957 7,225 14.1 920 1,037 11.8 809 5,805 6,999 Vision In as much as Mount Dashen excels all other mountains in 2010/11 2011/12 2012/13 2013/14 2010/11 2011/12 2012/13 2013/14 2010/11 2011/12 2012/13 2013/14 Ethiopia, Dashen Bank continues to prove unparalleled in banking services. Total Revenue (in Millions of Birr) Total Expense (incl. provisions, in Millions Birr) Gross Profit Before Tax (in Millions Birr) 958 2,145 1,187 893 1,725 1,817 1,004 813 Mission 832 652 630 1,282 Provide efficient and customer focused domestic and international banking services by overcoming the 2010/11 2011/12 2012/13 2013/14 2010/11 2011/12 2012/13 2013/14 2010/11 2011/12 2012/13 2013/14 continuous challenges for excellence through the application of appropriate technology. Net Profit (in Millions of Birr) Earning Per Share Paid-up Capital (in Millions Birr) 712 926 1,064 652 823 607 753 Value 670 451 737 Develop banking habit in the community 699 704 Assist continuous growth of customers 2010/11 2011/12 2012/13 2013/14 2010/11 2011/12 2012/13 2013/14 2010/11 2011/12 2012/13 2013/14 Sustainable growth and stability No. of Staff No. of Area Banks No. of Forex Bureaux 4,284 High integrity and accountability 133 3,690 Esteemed customers satisfaction 3,042 103 5 5 5 5 2,826 72 Non-stop openness for community access 64 Brightened and trained employees Attend customers' constructive outlook 2010/11 2011/12 2012/13 2013/14 2010/11 2011/12 2012/13 2013/14 2010/11 2011/12 2012/13 2013/14 Normative confidentiality No. of ATMs No. of Bilateral Key Exchange Arrangements No. of POS Terminals 471 827 Keen to build professionalism and service quality 170 780 748 454 704 434 105 105 404 70 2010/11 2011/12 2012/13 2013/14 2010/11 2011/12 2012/13 2013/14 2010/11 2011/12 2012/13 2013/14 Dashen Bank 18th Annual Report 2013-2014 3 Board of Directors Policy Development Committee Berhanu W/Selassie President Teklu Haile Chairman Asfaw Alemu Abebe Girmay Abebe Teklu V/President V/President V/President - Resources & Operations Management IS & E-Banking Serivces Facilities Management Getnet Dessie Alemneh Abebe Amaha Mulugeta Ayele Teshome Executive Assistant Controller Manager, International Manager, Human Resource to the President Banking Department Management Department Berhanu Addisalem Brook Debebe Getachew Yitna Director Director Director Chanyalew Demissie Freegzi Berhane Girma Kinfe Michael Meseret Yazachew Negussie Demie Manager, E-Banking Principal, Risk Management Chief Information Officer Manager, Logistics & Property Manager, Fund Management Services Department & Compliance Officer Management Department & Accounts Department Hussien Ahmed Teka Asfaw W/Ruphael W/Giorgis Director Director Director Samuel Adane Tamirat Tilahun Tariku Tadesse Yeshiwork Yimer Yihenalem Aknaw Manager, Corporate Planning Manager, Manager, Manager, Manager, & Development Department Engineering Department Project Management Office Legal Department Credit Department Dashen Bank 18th Annual Report 2013-2014 5 Board of Directors Policy Development Committee Berhanu W/Selassie President Teklu Haile Chairman Asfaw Alemu Abebe Girmay Abebe Teklu V/President V/President V/President - Resources & Operations Management IS & E-Banking Serivces Facilities Management Getnet Dessie Alemneh Abebe Amaha Mulugeta Ayele Teshome Executive Assistant Controller Manager, International Manager, Human Resource to the President Banking Department Management Department Berhanu Addisalem Brook Debebe Getachew Yitna Director Director Director Chanyalew Demissie Freegzi Berhane Girma Kinfe Michael Meseret Yazachew Negussie Demie Manager, E-Banking Principal, Risk Management Chief Information Officer Manager, Logistics & Property Manager, Fund Management Services Department & Compliance Officer Management Department & Accounts Department Hussien Ahmed Teka Asfaw W/Ruphael W/Giorgis Director Director Director Samuel Adane Tamirat Tilahun Tariku Tadesse Yeshiwork Yimer Yihenalem Aknaw Manager, Corporate Planning Manager, Manager, Manager, Manager, & Development Department Engineering Department Project Management Office Legal Department Credit Department Dashen Bank 18th Annual Report 2013-2014 5 Statement of the Board Chairman Honourable Shareholders, made possible by our Bank. The other achievement worth mentioning is that our Bank has got permission from the regulatory body to implement Mobile and Agent Banking Services. On behalf of the Board of Directors and myself, I am delighted to report the record high profit which is a Correspondingly, Dashen has commenced the pilot testing of the internet banking service. mark of success of our Bank in the fiscal year 2013/14.
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