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Jaiz Bank Plc 0 | P a g e Jaiz Bank Plc. Kano House, 73 Ralph Shodeinde, Central Business District P.M.B. 31 Garki Abuja, Nigeria. content page TABLE OF CONTENTS 1 VISION AND MISSION STATEMENTS 2 DIRECTORS, OFFICERS AND PROFESSIONAL ADVISERS 3 OUR STORY 4 OUR LOCATIONS 5 THE BOARD OF DIRECTORS 7 SHARIAH ADVISORY COMMITTEE OF EXPERTS(ACE) 11 NOTICE OF ANNUAL GENERAL MEETING 14 CHAIRMAN'S STATEMENT 17 CEO STATEMENT 20 SUSTAINABILITY REPORT 22 CORPORATE SOCIAL RESPONSIBILITY (CSR) 24 REPORT OF THE DIRECTORS 28 CORPORATE GOVERNANCE REPORT 35 STATEMENT OF DIRECTORS RESPONSIBILITIES REPORT 52 ADVISORY COMMITTEE OF EXPERTS REPORT 53 STATUTORY AUDIT COMMITTEE REPORT 55 INDEPENDENT AUDITOR'S REPORT 56 THE ACCOUNTS STATEMENT OF FINANCIAL POSITION 62 STATEMENT OF PROFIT OR LOSS AND OTHER COMPREHENSIVE INCOME 63 STATEMENT OF CHANGE IN EQUITY 64 STATEMENT OF CASH FLOW 65 STATEMENT OF SOURCES AND USES OF QARD FUND 66 STATEMENT OF SOURCES AND USES OF CHARITY FUND 67 NOTES TO THE FINANCIAL STATEMENTS 68 OTHER NATIONAL DISCLOSURES 132 1 | P a g e Jaiz Bank Plc. Kano House, 73 Ralph Shodeinde, Central Business District P.M.B. 31 Garki Abuja, Nigeria. Our Vision To be the clear leader in Ethical Banking in subs Saharan Africa. Mission Statement Making life better through ethical finance Core Values Quality Service Customer First Team Spirit Respect for the Individual Ethics Trust Partnership Entrepreneurship Business Philosophy: Our philosophy is to deliver world class sharia compliant financial services to our clientele irrespective of class, creed, race or religious belief and to contribute to the socio-economic development of the society. For Enquiries: Kindly contact us at: Jaiz Bank Plc. Kano House, 73 Ralph Shodeinde, Central Business District P.M.B. 31 Garki Abuja, Nigeria. Tel: +234-9-460(JAIZ) 5125 Email: [email protected] OR: Visit our website on: www.jaizbankplc.com 2 | P a g e Jaiz Bank Plc. Kano House, 73 Ralph Shodeinde, Central Business District P.M.B. 31 Garki Abuja, Nigeria. DIRECTORS, OFFICERS AND PROFESSIONAL ADVISERS Alh. (Dr.) Umar Abdul Mutallab - Chairman Prof. Tajudeen Adepemi Adebiyi - Non-Executive/Independent Director Nafiu Baba-Ahmad - Non-Executive/Independent Director Alh. (Dr.) Aminu Alhassan Dantata - Non-Executive Director Alh. (Dr.) Musbahu Mohammed Bashir - Non-Executive Director Alh. Mukhtar Danladi Hanga Sani - Non- Executive Director Alh. (Dr.) Umaru Kwairanga - Non-Executive Director Mall. Falalu Bello - Non-Executive Director Dr. Mohamed Ali Chatti - Non-Executive Director H.R.H, Engr. Bello Muhammad Sani - Non-Executive Director Alh. (Dr.) Muhammadu Indimi - Non-Executive Director Hassan Usman - Managing Director Mahe Abubakar Mahmud - Deputy Managing Director AbdulFattah Olanrewaju Amoo - Executive Director COMPANY SECRETARY Rukayat O. Salaudeen REGISTERED OFFICE Jaiz Bank Plc Kano House No. 73 Ralph Shodeinde Street Central Business District Abuja AUDITORS Ahmed Zakari & Co. 222B Oladipo Diya Crescent 2nd Avenue, Dolphin Estate Ikoyi - Lagos REGISTRAR AND TRANSFER OFFICE Africa Prudential Plc (Formerly UBA Registrars Plc) 220B Ikorodu Road Palmgrove, Lagos TAX ADVISORS Abdulazeez & Co. No.26 Cotonou Crescent, Zone 6 Wuse Abuja Aligasim Achor & Co. Suite2.25 First Floor, ICC Plot 900 Herbert Macaulay Way, Area10 Garki - Abuja 3 | P a g e Jaiz Bank Plc. Kano House, 73 Ralph Shodeinde, Central Business District P.M.B. 31 Garki Abuja, Nigeria. FINANCIAL HIGHLIGHTS JAIZ BANK PLC - YEAR ENDED 31 DECEMBER , 2018 31 December 31 December 2018 2017 Changes N'000 N'000 (%) STATEMENT O F FINANCIAL POSITION Total Assets 1 08,462,458 87,312,609 24% Financing & Investment 69,361,414 50,786,010 37% Deposits 85,032,992 6 8,115,257 25% Share Capital 14,732,125 1 4,732,125 0% Total Equity* 13,109,162 1 3,679,148 -4% INCOME STATEMENT Gross Earnings 8,744,322 7,855,369 11% Profit Before Taxation 897,702 894,006 0% Taxation (63,336) (356,891) -82% Profit After Taxation 834,366 537,117 55% RATIOS 2018 2017 Cost to Income 87.28% 85.84% 2% Return on Assets 0.8% 0.6% 25% Return on Equity 6.85% 6.54% 5% Capital Adequacy 21.13% 27.00% -22% Liquidity 27.94% 18.64% 50% OTHERS Number Number Number of Branches/Offices 33 31 6% Number of Staff 808 699 16% Number of Shares in Issue ('000) 29,464,250 29,464,250 0% * The drop is due to the transitional impact of IFRS 9. 4 Our Story Jaiz Bank PLC the premier Non-Interest Bank in Nigeria was established on the 11 th of November 2011 on a foundation of trust, professionalism and excellence to deliver innovative financial solutions and exceptional customer experiences. This started with a Regional License obtained from the Central Bank of Nigeria to operate in the Northern part of the country and its transformation to a National Bank on the 12 th of May 2016 with key presence in all the geopolitical zones of the country. The Banks core values are built on 7 principles with the acronym RESPECT; Responsibility, Entrepreneurship, Simplicity, Excellence, Customer Focus and Trust. These core values are the guiding force that empowers the Bank to project towards its vision to be the clear leader in ethical Banking in Sub-Saharan Africa. Jaiz Bank is a quoted public company trading on the floor of the Nigerian Stock Exchange (NSE) with a balance sheet size of N108.46 billion (as at December 31 st 2018) from N12 billion in 2012. Financing asset also grew from of over N30 billion in 2012 to N69.36 billion (as at December 31 st 2018). Other critical parameters such as customer deposit, network and profitability have all been growing year on year since inception to date. About Islamic Banking Non-Interest Banking is a profitable growing global phenomenon practiced in nearly 70 countries across the world including the United Kingdom, Canada, the United States of America, the United Arab Emirate, Malaysia, China, Singapore, South Africa, Kenya etc. Global Banks like HSBC, Citibank, Barclays Bank etc. are also offering non-interest banking products and service. It is an alternative financial 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. The difference is that Islamic Banks do not give or receive interest, nor finance anything that is harmful to society like alcohol, tobacco, gambling etc. They also avoid gharar- speculation, extreme uncertainty and deception. Currently, 50% of Nigeria's total population of 183 million are craving for such Non-Interest banking services. These people are desirous of ethical banking services which provide for socially responsible investment outlets. In a nutshell, Non-Interest Banking is real-economy oriented and profit and loss sharing arrangement where the mode of financing is mostly on mark-up, leasing and partnership basis. The Potential for Non- Interest Bank In Nigeria The business potential for a Non-Interest Bank in Nigeria is enormous as such an institution has long been awaited by a large population of Nigerians from all parts of the country. Jaiz Bank's strategic business focus is mainly on retail banking, the Bank nevertheless offers corporate and commercial banking services. The Bank's retail focus will enable it to service the majority of Nigerians who wish to do away with Riba (Usury) in their daily activities. The Bank is being positioned to be a national bank offering its services to all regardless of religious beliefs, ethnicity or creed. 4 | P a g e Jaiz Bank Plc. Kano House, 73 Ralph Shodeinde, Central Business District P.M.B. 31 Garki Abuja, Nigeria. Our Locations ABUJA REGION S/N BRANCH ADDRESS Ground Floor Kano House 73 Ralph Shodeinde Street Central Business District, 1 ABUJA Abuja No 36 Douala Street Off Herbert Macaulay Way, Erisco Bompet Plaza, Zone 5 2 WUSE Abuja 3 NNPC Ground Floor, Block B Room 16, NNPC Towers, Abuja 4 BANEX Bannex Plaza, Wuse II, Abuja 5 NATIONAL ASSEMBLY National Assembly Complex, 3 Arms Zone Abuja 6 GWARIMPA BRANCH 1st Avenue, DBB Plaza, Gwarimpa, Fct- Abuja NORTH CENTRAL S/N BRANCH ADDRESS 1 LOKOJA No. 4 John Holt Road, along Paparanda Square, Lokoja, Kogi State 2 JOS No 25, Ahmadu Bello Way, Jos, Plateau State 3 MARARABA Plot 664 Cadastral Zone A11, Mararaba Gurku, Karu, Nasarawa State NORTH WEST S/N BRANCH ADDRESS 1 KANO 1 No 55 Tafawa Balewa Way, Off Murtala Muhammad Way, Kano 2 KADUNA 11a Ali Akilu Road Kaduna 3 KASTINA No 109b Ibb Way, Kofar Kaura Katsina 4 GUSAU No 21 Canteen Road, Opposite CBN Gusau 5 SOKOTO No 5 Ahmadu Bello Way, Former Finbank Building, Sokoto 6 KANO 2 No. 13E Bello Road Kano 7 KABUGA Kabuga Shopping Complex, Along Buk / Gwarzo Road, Kano 8 ZOO ROAD Opposite Trade Fair Complex, Zoo Road, Kano State 9 SAMARU Ahmadu Bello University Road, Opposite Main Gate, Samaru, Zaria,Kaduna State 10 HOTORO Plot 140, Opposite NNPC Depot, Maiduguri Road, Hotoro Kano 5 | P a g e Jaiz Bank Plc. Kano House, 73 Ralph Shodeinde, Central Business District P.M.B. 31 Garki Abuja, Nigeria. 11 KEBBI Plot 20 Ahmadu Bello Way, Birnin-Kebbi, Kebbi State 12 KADUNA 2 Farida Ventures Building, Kano Road, Kaduna 13 PZ, ZARIA N0. 2 Crescent Road, Sabon Gari, Zaria Kaduna 14 FUNTUA No 69, Sokoto Road, Funtua, Katsina state NORTH EAST S/N BRANCH ADDRESS 1 GOMBE No 8 New Market Road, Commercial Area Gombe 2 MAIDUGURI No 18 Shehu Laminu Way, Maiduguri 3 ATBU Abubakar Tafawa Balewa University, Bauchi 4 YOLA No 14, Aliyu Mustapha Way Opposite New Modern Market Yola, Adamawa State 5 BAUCHI No 2 Mohammed Bello Kirfi Road, Off Ahmadu Bello Way, Bauchi SOUTH S/N BRANCH ADDRESS 1 IBADAN No.3 Fajuyi Road, Dugbe Ibadan 2 ILORIN No.11 Unity Road, (Beside Kasmag Transport) Ilorin, Kwara State De Plazaville Shopping Complex, 119 Awolowo Way, (Allen Round About) Ikeja, 3 IKEJA Lagos State 4 APAPA No.
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