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Dfcu Bank, and Dfcu Limited Was Started Commercial Established 1999 Banking 2004 2016 dfcu Group Annual Report and Financial Statements Bringing millions of dreams to life. One dream at a time. Making more possible Table of Contents dfcu Group 2016 Annual Report and Financial Statements dfcu Group 2016 Annual Report Table of Contents and Financial Statements 1 Who we are viii 2 Board of directors x Women business advisory council xii Senior management team xiii 3 List of acronyms and financial definitions xiv Financial highlights of the year xvi 4 Business Updates Women in Business program xviii Agriculture updates xxii Business process re-engineering xxiii Culture transformation xxiv Other business highlights xxvi Investing in our community xxviii 5 Reports Financial overview 2016 xxix Chairman's report xxxii Risk management and control xxxviii Corporate governance xliv Sustainability report li The journey ahead lxiii 6 Financial Statements 1-71 dfcu Group 2016 Annual Report and Financial Statements dfcu Group 2016 Annual Report and Financial Statements Our mission dfcu seeks to grow shareholder value while playing a key role in transforming the economy and enhancing the well- being of the society. Through our dynamic and responsive teams, we will provide innovative financial solutions and maintain the highest level of customer service and professional integrity. Our vision To be the preferred financial institution, providing a broad range of quality products to our chosen customer segments. Our values 1. Customer focus 2. Excellence 3. Teamwork 4. Integrity 5. Corporate Social Responsibility and sustainable Development Culture competencies 1. Focus on staff and customers 2. Courage 3. Transparency 4. Stewardship 5. Collective effort 6. Decisiveness 7. Pride and Passion dfcu Group 2016 Annual Report and Financial Statements viii Who we are dfcu Limited was established in 1964 as a development finance institution. Over the years dfcu has been associated with many success stories in Uganda’s economy in various sectors: agribusiness, communication, education, health, manufacturing, tourism, real estate, mining, construction, transport, trade and commerce. Bought Uganda dfcu Limited was Leasing Company listed on the Uganda and renamed it dfcu Securities Exchange 1964 Leasing 2000 Bought Gold Trust Bank, renamed it dfcu Bank, and dfcu Limited was started commercial established 1999 banking 2004 dfcu Bank channels Consumer Banking § Convenient access and payments using Visa The Consumer Banking business unit focuses on meeting the financial needs of the personal banking and § Connected to Interswitch giving customers access to small business customers seeking fast, convenient and a network of over 420 ATMs countrywide affordable banking. We nurture and grow customers by § Offers banking through the Internet and mobile phone offering relevant personal banking solutions that support channels their financial transformation. We are always on hand to help you manage your money with a range of products § A network of 67 branches spread countrywide and services that meet your savings, transactional and The Bank is structured into three core business units borrowing needs. namely: Consumer Banking (CB), Development and Institutional Banking (DIB), and Treasury. dfcu Group 2016 Annual Report and Financial Statements ix We nurture and grow customers by offering relevant banking products and services that support their financial transformation. Merged its two Realignment of shareholders businesses (Development bringing on board a strategic Finance and dfcu Bank) partner – Rabobank, with to create a “one-stop significant experience in shop” under dfcu Bank 2012 agribusiness 2014 Consolidated all our Established dfcu key operations into Women Business our Head Office, dfcu 2008 Advisory Council 2013 Towers Treasury We facilitate international trade through buying and selling of foreign currency, and issuance of international trade instruments. Treasury also facilitates liquidity management by offering investment vehicles to customers with excess cash to invest in instruments such as government bills. Development and Institutional Banking Development and Institutional Banking manages the top tier relationships and has proven experience across a breadth of sectors including: transport and logistics, manufacturing, agriculture and agro processing, communication, education, health, tourism, real estate, mining, construction, trade and commerce, government, parastatal organisations, and non-government organisations. Our expertise covers transactional banking, structured products, credit products, loan syndications and agricultural lending. dfcu Group 2016 Annual Report and Financial Statements x dfcu Limited Board of Directors Elly Karuhanga Albert Jonkergouw Dr. Winifred T. Kiryabwire Non-Executive Director/Chairman Non-Executive Director Non-Executive Director Appointed Chairman of dfcu Limited: September, 2013. Appointed to the Board: Appointed to the Board: Appointed to the Board: September, 2005. December, 2013. September, 2013. Kironde Lule Deepak Malik Michael Alan Turner James Mugabi Non-Executive Director Non-Executive Director Non-Executive Director Company Secretary Appointed to the Board: Appointed to the Board: Appointed to the Board: Appointed: April, 2015. September, 2012. November, 2007. March, 2010. dfcu Group 2016 Annual Report and Financial Statements xi dfcu Bank Board of Directors 1 Jimmy D. Mugerwa Non-Executive Director/ Chairman Appointed Chairman of dfcu Bank: September, 2014. Appointed to the Board: August, 2012. 2 Deepak Malik Non-Executive Director Appointed to the Board: 1 2 3 November, 2007. 3 Michael Alan Turner Non-Executive Director Appointed to the Board: March, 2010. 4 Albert Jonkergouw Non-Executive Director Appointed to the Board: December, 2013. 5 Stephen Caley Non-Executive Director Appointed to the Board: 4 5 6 June, 2016. 6 Ola Rinnan Non-Executive Director Appointed to the Board: June, 2016. 7 Willem Cramer Non-Executive Director Appointed to the Board: June, 2016. 8 Juma Kisaame Managing Director. Managing Director since 2007. 7 8 9 9 Paul van Apeldoorn Executive Director For the period October, 2013 - June, 2016. 10 William Sekabembe Executive Director Since August, 2016. 11 Agnes Tibayeita Isharaza Company Secretary Appointed: March, 2006. 10 11 dfcu Group 2016 Annual Report and Financial Statements xii Meet the dfcu Women Business Advisory Council The dfcu Women Business Advisory Council (WBAC) has continued to play a key role in the financial inclusion of women in Uganda. The Women’s Council addresses the specific needs of both the female customers and female employees more effectively. The aim is to benefit from the valuable consulting expertise of female entrepreneurs whilst playing our part to augment and strengthen the role of women in the Ugandan economy. Dr. Gudula Naiga Basaza Rosemary Olive Birungi Patricia Karugaba Mutyabule Lumonya Kyazze Chairperson, dfcu Women Business Advisory Council; Enterprise Development Country Director SOS Managing Director, Nina Chairperson, Uganda Specialist Children’s villages Uganda; Interiors Ltd. Women Entrepreneurs Marketing and Association Limited Communications Specialist (UWEAL) “We commit as dfcu to be “Entrepreneurship is a very “The dfcu WiB program “We have progressed from your number one Bank. We lonely journey which can inspires positive changes a time when access to understood the collateral be made more exciting and in women through the finance was a challenge for bottleneck to the growth rewarding by joining the various stages of their life, women. Today women are of your business hence dfcu WiB program where and across all levels of recognised independently created unsecured lending you will meet women with society – from the young as valuable contributors products for you. We have the same goals to support graduate just starting out, to Uganda’s economy. the first of its kind Women you and help you grow your the established woman dfcu through its WiB in Business (WiB) Centre. business.” entrepreneur or the woman Program gives women We are pleased to be your involved in agriculture in more than just access to one stop shop for all your the country side.” financing. You benefit from banking solutions.” training, mentoring and the consultants available to guide and support you in your business.” dfcu Group 2016 Annual Report and Financial Statements xiii dfcu Bank Senior Management Team 1 2 3 4 5 6 1 Juma Kisaame Managing Director. 2 William Sekabembe Executive Director and Chief of Business. 3 Paul van Apeldoorn Chief Transformation Officer. 4 Kate K. Kiiza Chief Financial Officer. 5 George Ochom Head, Treasury. 7 8 9 6 Denis Kibukamusoke Head, Consumer Banking. 7 Agnes Mayanja Head, Credit. 8 Agnes Tibayeita Isharaza Head, Legal. 9 Harriet Musoke Head, Human Resources. 10 Chris Sserunkuma Head, Risk and Compliance. 11 Leonard Byambara 10 11 Ag. Head, Internal Audit. dfcu Group 2016 Annual Report and Financial Statements xiv List of Acronyms AGM – Annual General Meeting IFRS – International Financial Reporting AML – Anti-Money Laundering Standards ATM – Automated Teller Machine KIBP – Kampala Industrial Business Park BCP – Business Continuity Planning KYC – Know Your Customer BIS – Bank for International Settlement M&A – Mergers and Acquisitions BOU – Bank of Uganda MoU – Memorandum of Understanding BPR – Business Process Re-engineering MoWE – Month of the Women Entrepreneur CAR – Capital Adequacy Ratios NPLs – Non-Performing Loans CB – Consumer Banking NSSF – National Social Security Fund CBR – Central Bank Rate RISCO
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