N M B B A N K L I M I T E D

Established 1993 Celebrating 20 Years of Excellence

Message from James Mushore Congratulations on Twenty Years of Group Chief Executive Officer “NMB Bank. Banking Service

On this special anniversary of NMB Bank After twenty years of providing essential banking Limited, the Directors and staff can look back on A proud Zimbabwean services to the country, NMB Bank is celebrating its twenty years of being one of the successful, anniversary with this commemorative supplement independent banks in Zimbabwe. The Bank, which follows the Bank from its inception in 1993 formerly National Merchant Bank of Zimbabwe and a success story.” through to its success of today. subsidiary of NMBZ Holdings, was established in 1993 by The supplement features the history of the company, Bishop Julius Makoni, Francis Zimuto and me as the first introduces its Directors and describes its services and wholly Zimbabwean Merchant Bank. The impetus for products. NMB Bank is proud of its vision and values, its staff developing the Bank came from the liberalisation of the and its continuing success. The Bank has won awards for Zimbabwean economy at this time and after seven years as Best Bank in Zimbabwe. The holding company is listed on a merchant bank, NMB Bank was granted a commercial the main board of the London Stock Exchange and the banking licence. We opened our doors to the public in N M B B A N K L I M I T E D Zimbabwe Stock Exchange. It is conscious of its corporate June 1993 and have never looked back. We weathered the responsibility by supporting disadvantaged communities, challenges of the hyper-inflationary years of 2003 - 2009, working with charities, community fund-raisers and non- and have put ourselves firmly back on the banking map in profit organisations. At the same time it also supports the Zimbabwe. With seven branches in and one each in arts through its involvement with HIFA (Harare International Bulawayo, Mutare and Gweru, our dedicated management Festival of Arts) and the Bulawayo Music Festival. and staff, loyal customer base and strong brand have all The Zimbabwe Independent and many of NMB Bank’s contributed to our growth and success. loyal clients are proud to show their support for this truly During our 20 years of banking operations our aim has Zimbabwean Bank which offers Personal, Corporate and been to provide a truly personalised service to all our clients, International banking through its various branches across whether Retail, Corporate, Advisory Services or Treasury. 2 the country. We pride ourselves on our values of integrity, professionalism and excellence and have instilled these in our loyal and dedicated work force. Customer Service I believe that our staff are one of the principal 20 Y “People are a principal asset of the Bank.” assets of the Bank and their growth and th AR ANNIVERS James Mushore - Group CEO development is essential to the on-going success of our operations. While keeping up to date with the Established 1993 Customer Service is at the top of the priority list within NMB Bank and as stated in its values, the Bank aims to be professional, innovative, providing service through dedi- cated and loyal staff. From managers to the messengers, staff are trained to work according to the Bank's mission to provide premium with integrity and professionalism. NMB Bank offers its clients a range of services to assist with daily financial transactions. The range of services includes NMBSAVE, NMBACCESS ATMs which accept any other local or international VISA cards, real-time James Mushore Group CEO cash and online DStv payments, NMBYOUNGPRO to help past 20 years. I would like to reaffirm that NMB Bank will young professionals get established and NMB VISA continue to strive for excellence. We will continue our International Credit and Debit Cards for all NMB personal commitment to our clients and our community and will and corporate clients. remain conscious of our corporate responsibility to Internet Banking is available to all clients. SMS alerts sustainability and social justice. and E-Statements have eased the stress of having to visit Banking is an essential service to our country. It is our the Bank for information regarding one's accounts. The passion, and therefore we will continue to pursue it with Customer Service Officer in each branch will assist with any changes in banking and relating them to the organisation, excellence. enquiry and direct clients to the right department . we have ensured the retention of our reputation as one of the leading, innovative financial institutions within Zimbabwe. As we enter our third decade, I would like to express my gratitude to my fellow Directors, our managers and staff, and to our loyal customers for their continued support over the

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www.nmbz.co.zw www.nmbz.co.zw I N P U R S U I T O F E X C E L L E N C E N M B B A N K L I M I T E D NMB Bank Limited. Registered . N M B B A N K L I M I T E D

N M B B A N K L I M I T E D 2

20 Y th AR ANNIVERS

Celebrating 20 Years of Excellence Established 1993

While it is wonderful to reflect – and all of us who have played some part in the NMB Story Message from Tendayi Mundawarara - over the past 20 years take a tremendous amount of pride in remembering our successes – Chairman NMBZ there's a saying: “What have you done for me lately?” So we realize and appreciate that, as gratifying as the story of the past 20 years may be, it all becomes quite meaningless and The NMB story actually starts with YOU, our customers. Without redundant if we do not continue to follow some guiding principles: your willingness to break with tradition and put your faith in us, none 1) To pull together the finest team possible and infuse that team with our vision of of what has happened over the past 20 years could have been excellence; possible. Your trust in us to deliver on what we have promised, 2) To take time to truly understand what our customers' needs are – sometimes before our through the many trials and tribulations that have faced NMB and customers themselves recognize and identify those needs; the banking sector in general over the past 20 years, has allowed us 3) To provide a complete and unique solution to those needs, in a manner which creates to reach this milestone that we celebrate today. maximum value; Our single greatest source of satisfaction is when we receive 4) To set up a sustainable business model, so that we can ensure that we will be around for recognition from you, such as the testimonies that we heard from a LONG time to be there for you, our customers; and some of our longstanding customers on the evening of our celebrations on 31 May 2013. Our 5) To constantly innovate, because if we are not moving forwards, we are moving single greatest source of disappointment is whenever we fall short of your expectations. We backwards. take your concerns and complaints seriously, and we work tirelessly to rectify them as and These five ingredients, combined with some really hard-working and dedicated people in when they may arise. “Team NMB”, are the other half of the success story that started with you, our customers. Behind the NMB logo and corporate image, there are many people who have put their I am proud, honoured and extremely excited to say that, for NMB, the next 20 years are lives, energy and passion into ensuring that NMB strives for excellence. On behalf of the going to be even greater than the last 20. Board, I thank those people – who are our greatest assets – for 20 years of loyalty, and for Thank you for sharing in our success. Thank you for sharing in our celebration. creating the memories which will propel us into the next 20 years and beyond. International

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MISSION Company History

To provide premium financial services NMBZ is a Zimbabwean based investment holding company to existing and potential high net worth whose principal subsidiary is NMB Bank Limited. The Group has a individuals and businesses. 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 June 1993 by a VISION group of Zimbabwean entrepreneurs who had previously held senior positions in renowned international financial institutions such as the World Bank and the International Finance To be the leading financial services group in our chosen market. Corporation. The impetus for the creation of NMB Bank came from the liberalisation of the Zimbabwean economy and financial sector in the early 1990s. VALUES NMB Bank was registered as an accepting house under the Banking Act in May 1993. Continued growth created the opportu- Integrity. Professionalism. Excellence. nity for a public flotation of the Group, and in early 1997, the NMBZ Loyal and Dedicated Staff. Innovation. Group was listed successfully on the Zimbabwe Stock Exchange Shareholder Value. and simultaneously admitted to the Official List of the London Stock Exchange. The public offer was 4.5 and 2 times oversub- scribed in Zimbabwe and London respectively, and it enhanced Our values mean: substantially the Bank's capacity to write large business transac- tions.

Integrity On 6 December 1999, NMB Bank was granted a commercial Uprightness in character. banking licence. This enhanced funding capacity as well as Professionalism improving product offering. The commercial bank opened its Exhibiting expertise and fairness in our work. doors to the public in July 2000. NMB Bank won several awards in Excellence recognition of its service excellence and leadership in its niche Being exceptional in all our dealings. market. The Bank was awarded the international Euromoney Loyal and Dedicated Staff awards for Excellence both in 1998 and 1999. The Bank also won Attracting and retaining professional, skilled and motivated staff. the Financial Times Banker Magazine, Bank of the Year Award for Innovation the best bank in Zimbabwe, two years in a row in 2001 and 2002. Zimbabwe experienced a hyper-inflationary period between 2003 Committed to providing solutions that maximize value to our customers. Shareholder Value and 2009 resulting in the destruction of the Zimbabwean dollar and consequent erosion of capital and value for the Bank before Achieving stakeholder satisfaction through high shareholder returns. the economy adopted a multi-currency system in February 2009 which saw the introduction of the ZAR, USD and other major currencies. NMB Bank weathered this challenging period owing N M B B A N K L I M I T E D to a loyal customer base, a strong brand and dedicated 2 management.

20 Y th AR ANNIVERS

Established 1993

Meet the NMB Bank Directors Francis Zimuto Benson Ndachena Deputy Group CEO CFO

Name Designation Qualification

James Mushore Group CEO

www.nmbz.co.zw

I N P U R S U I T O F E X C E L L E N C E N M B B A N K L I M I T E D NMB Bank Limited. Registered Commercial Bank. The Bank's business model targets corporates, institutions, high net

worth individuals and SMEs. It aims to build a solid business book and N M B B A N K L I M I T E D grow its retail deposits on the back of a proven record of quality service delivery. The Bank continues to operate through strategic placement of branches at key commercial and industrial locations in the major cities of Harare, Bulawayo, Gweru and Mutare. 2

of Excellence 2 0 Y th AR ANNIVERS

Established 1993 Corporate Governance

The Board recognizes that maintaining good corporate governance practices is an ongoing and continuous process. The Board adopted corporate governance guidelines which reflect its commitment “To provide 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. premium The Group emulates corporate governance principles prescribed in the Combined Code of the United Kingdom, the King II report of South Africa and the Reserve Bank of Zimbabwe Corporate Governance financial Guideline. The Board has set up the Audit Committee, Human Resources, Nominations and Remuneration Committee, Asset and Liability Management Committee (ALCO), Finance and Strategy services to Committee, Credit Committee, Review Committee and the Risk Management Committee to assist in the discharge of its duties and responsibilities. existing and “We should not judge people by their peak of excellence; potential but by the distance they have travelled from the point where they started.” high net worth Henry W ard Beecher individuals Management Information Systems and The Bank has invested in technologies that tie together to provide a comprehensive delivery channel for both Corporate and Retail clients. Temenos' latest release, T24 R10, is at the heart of all core banking businesses.” 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 being provided via Infosys's eCorporate eChannels 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 posed 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 technol- ogy and thus invests in the maintenance and upgrades of the technologies currently deployed whilst seeking new technolo- gies that enable it to develop innovative products continuously in pursuit of service excellence.

www.nmbz.co.zw

I N P U R S U I T O F E X C E L L E N C E N M B B A N K L I M I T E D NMB Bank Limited. Registered Commercial Bank. N M B B A N K L I M I T E D

N M B B A N K L I M I T E D 2 Celebrating 20 Years of Excellence

20 Y th AR ANNIVERS

NMB Bank’s banking services are designed to meet the financial needs of Established 1993 professionals, executives and other high net worth individuals.

Personal Banking Corporate Banking Electronic Banking International Banking

Current Account Current Account NMBDIRECT Internet Documentary Letters of Banking Credit - Inward / Outward Savings Account International VISA Debit / Credit Cards NMBACCESS ATMs International Payments - International VISA Debit / Drafts / Telegraphic Credit Cards Corporate Loans ZimSwitch and Transfers International VISA ATMs Internet Banking Corporate Overdraft Offshore Finance - Facilities Local and International Imports / Exports ATMs VISA POS Exchange Control Personal Loans Guarantees Acceptance Credits Personal Overdraft Exchange Control Advice Documentary Letters of Structured Finance Local Funds Transfer Credit Foreign Currency Bank Offshore Loans Drafts Order Financing / Foreign cash Discounting Foreign Currency Bank Guarantees Accounts Structured Finance Safe Custody

With NMB Bank... It’s a lifestyle. Company“A Bridge as strong History as its foundations”

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INTERNATIONAL Terms & Conditions Apply Hotel Express International

With NMB Bank... It’s a lifestyle. Use ATMs for and Just another way NMB Bank is ensuring you get the best service and value. Terms and conditions apply. Me and my VISA.

Internet banking Are you NMBSURE is underwritten by Relax... Get banking with NMB. Anywhere. Anytime. Insured?

RM Insurance Company Check your statement (Private) Limited

A Member of the Group Pay your DStv subscription NMB Save

Pay your bills NMB Sure Do personal inter-account transfers Beware Murphy’s Law Transfer funds to third parties [ Murphy’s Law : “A supposed law of nature to the effect that anything that can go wrong will go wrong.” ] Mobile banking Personal Loans

Tue 28/07 The good life Do you need extra financing? Apply for an NMB Bank personal as follows: It started with a penny NMBSURE Loan limit availed is salary related. Terms & Conditions apply. Activate your NMB SMS Insure. Be Sure.

Personal Loan repayment options of 6, 12, 24 and 36 months NMB Direct Internet and Motor Plan (Private or Commercial)

Interest determined at time of loan application Service today! Home and Householder Contents Plan SMSOverFREE Account22Account Loans With NMB Bank... It’s a lifestyle. All Risks Personal loan salary should have gone through for at least 3 months Just another way NMB Bank is ensuring you get For existing NMB Personal Account Customers NMBSAVE Personal Business Plan No security is required for loans under $20 000 the best service and value. to activate their SMS Service, or for new clients to open an NMB Bank Personal Banking Savings Account Service and Security NMB Bank account, visit the Customer Service Officer HolderSMS Service notifications ands active Security Loan Protection at your nearest NMB Bank branch today. NMB’

NMBSURE is underwritten by RMI NMBSURE Home and Householder Contents Plan Your home is your castle.

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Y Investing? NMB Invest NMB Take the leap knowing you have Guidance. Trust. Support. NMB Still young and starting out. Your dreams are big, the world your oyster and the sky has no limit. Householder Plan If you are younger than 30 years old, graduated with a degree or diploma from a recognised tertiary institution, NMB Bank can help you achieve your dreams and goals by offering you the

NMB Sure Home and NMBYOUNGPRO account for young professionals. Insure. Be Sure.

With your NMBYOUNGPRO account you will also have access to your NMBSAVE account and be able to effect inter- account transfers at an NMBACCESS ATM or with NMBDIRECT Internet Banking. NMBINVEST Open your account today and start achieving your ultimate goals and dreams, knowing that NMB Bank will NMBSURE always be there to help you reach even higher. NMB Banking Treasury Division

www.nmbz.co.zw

I N P U R S U I T O F E X C E L L E N C E N M B B A N K L I M I T E D NMB Bank Limited. Registered Commercial Bank. NMBZ Holdings Limited Financial Highlights

as at 31 December 2012 (figures in millions)

“Excellence -

Being EQUITY DEPOSITS TOTAL ASSETS UP 32% UP 37% UP 35% exceptional FROM $23.4 FROM $139.2 FROM $167.3 TO $30.9 TO $191.4 TO $226.5 in all our dealings.” “A truly personalised service”

Corporate Finance Treasury AgriBusiness Bancassurance and Advisory Services Call Accounts Seasonal financing Motor Plan (Private or Empowerment Commercial) Transactions Fixed Deposits Tail-end financing Home and Householder Structured Finance Bankers Acceptances Working capital facilities (Bas) Contents Plan Capital Raising Forex Market Input guarantees All Risks Investment Advisory Create Fund (for entities Services Forward Exchange Business Plan Contracts (FEC) doing business with small holder farmers) Loan Protection Short Term Import Structured commodity Bridging Finance finance NMB CORPORATE BANKING

NMB Corporate Banking analyses potential facilities and Dedicated Customer Service Officers advises clients on financing structures to meet their unique Excellent personalised service requirements. When processing loans, the department works closely with the Risk Management Department, which is respon- Focus on our customers’ specific sible for monitoring all credit exposures in the Bank. requirements

Central to its activities is the objective to ensure that you receive Access to fast efficient banking halls truly personalised service. The department is staffed by account Convenience relationship managers whose task is to understand your busi- ness and ensure that you receive the appropriate service 24 hour electronic banking and bill whether as a borrower or investor. payment through NMB Bank’s ATMs and online banking service Unique solutions to your financial requirements

Exporting. Your Business beyond Borders. DStv Payment In Pursuit of International Banking

NMB International Banking Terms and conditions apply. Excellence

Solid banking solutions

All DStv subscribers, whether you are an NMB Bank is dedicated to providing premium financial services to all NMB Bank account holder or not, update your account instantly and stay connected by settling your DStv subscription with a cash payment at any NMB Bank branch. existing and potential customers. Since 1993, we have offered supreme NMB Bank account holders can also settle their DStv subscriptions via the Internet with NMBDIRECT. corporate, retail and investment banking solutions.

Renowned distinction NMB Bank is a reputable award-winning bank focussed on providing a full range of banking products and services for high net worth individuals and corporates. Established Open an NMB Bank Foreign Currency Account and get access to the following: International VISA Debit Card International VISA Credit Card Internet Banking Personal Loans SMS Alerts and E-Statements Savings International Banking Investments 1993 Bancassurance DStv Payments Dedicated support

NMB Bank Head Office NMB’s customer service officers are available to offer continuous support Harare: Unity Court, cnr First St / Kwame Nkrumah (04) 759601-6, 759651-9 for our products in pursuit of service excellence. We respond to questions and complaints in a thorough and timely manner.

www.nmbz.co.zw

I N P U R S U I T O F E X C E L L E N C E N M B B A N K L I M I T E D NMB Bank Limited. Registered Commercial Bank. A Wide Portfolio of Banking Services

NMB Bank’s portfolio of banking services includes Personal Banking, Corporate N M B B A N K L I M I T E D Banking, International Banking, AgriBusiness, Corporate Finance or Advisory Services and Treasury. All of these services are available through the Bank’s strategically placed branches in key commercial and industrial locations in the major cities of Harare, Bulawayo, Gweru and Mutare and are designed to meet the financial needs of both corporate and individual clients. Personal Banking 2 Through our Electronic Banking service NMB Bank can offer clients NMB DIRECT, our Internet Banking Service which allows clients to check their statements, pay bills and DStv 20 Y th AR subscriptions, and perform personal inter-account transfers to third parties without having to ANNIVERS visit their branch. Our strategically placed NMBACCESS ATMs allow convenient access to Established 1993 funds for Zimswitch or VISA International branded cards. Through our branches and ATMs, the Bank’s Retail Banking department can offer services that include current and savings accounts, call accounts and fixed Established 1993 deposits. NMB Bank also aims to help young aspiring professionals and has designed its NMBYOUNGPRO account specifically to aid young profession- als start out their careers and achieve their ultimate goals. Other in-branch personal services include exchange control facilities, telegraphic transfers, bank drafts and safe custody.

Corporate Banking, Advisory and Treasury

The Corporate Banking department is experienced in all aspects of business banking with its relationship managers creating long standing relationships with corporate customers and able to offer expert advice and short-term working capital finance. Services offered include acceptance credits and short term loans, commodity, trade and project financing, bills discounting and structured financing. The Bank also has a unit that offers financial and advisory services, helping clients with asset reorganisation, private equity investment, structured debt and venture capital transactions, all designed to the specific needs of the client. If required these services can be extended to private placement, public offering, rights offers and debt issue or restructuring. The Treasury department offers a full range of money market investment opportunities which include call, demand and time deposits and bankers' acceptances. In addition, the Treasury department is involved in accepting N M B B A N K L I M I T E D and discounting banker's acceptances and promissory notes, advising on money markets, issuing negotiable certificates of deposit and foreign currency trading for which short-term bridging finance may be provided. International Banking “20th ANNIVERSARY” This department handles all international payments and manages relationships with correspondent banks. All aspects of financial guidance and services for import and export activities including offshore finance, letters of credit and advice on exchange control matters is offered to clients. Services also include cross border investment applications, international guarantees and payments through both drafts and telegraphic transfers (SWIFT). The department will also handle export transactions and documentary collections, providing clients with a professional service available through their particular branch.

AgriBusiness

The Agribusiness unit structures and facilitates lending to the agricultural sector, advising clients on the correct financing options to meet their require- ments for agricultural and associated projects. It offers a number of products which include seasonal loans and overdrafts, as well as internet banking, acceptance credits and bank guarantees, all of which will be of great assis- tance to the agricultural sector in times of need. CREATE FUND facilities with 3 - 12 month tenors are available at NMB Bank to any of the agriculture value chain actors (excluding tobacco and cotton) who are credit worthy and can demonstrate viable business initiatives with clear and direct linkages to smallholder farmers.

NMB Bank prides itself on its range of activities and personal assistance that managers and staff provide to local and international business through its extensive banking portfolio, conducting all its business with integrity, professionalism and to the highest standards. The convenience and value of the NMBGOLD VISA Card

The NMB International Gold Card offered by discounts are also available through this scheme NMB Bank is a VISA branded card which works in from First Car Rental, which offers HEI members any country accepting VISA cards. The card is 40% discount on car rental rates in SA, Namibia, available in USD, ZAR, Euro or GBP and affords Swaziland, parts of Europe and the Middle East. frequent travellers round the clock access to their Members receive a personal Hotel Express Gold travel funds. Card holders can make purchases Card and Hotel Directory. and payments, swipe at any VISA POS, and draw NMBGOLD card holders can conveniently join cash conveniently, in over 200 countries globally. HEI at NMB Bank, enjoying the 10% discount on the Setting money aside In addition, NMB International Gold Card membership fee. This innovative enhancement to holders can enjoy VISA favourable foreign the NMBGOLD card has proved popular with those exchange rates by using their cards at VISA ATMs. who have taken it up, and who report making very for long term plans - Also, an available enhancement to the NMBGOLD significant savings on their travel costs. VISA Card is membership of Hotel Express Furthermore, NMBACCESS ATMs accept VISA with the NMBSAVE International (HEI). This is an exclusive travellers' International Cards for cash withdrawals and club whose members enjoy a 50% discount off rack balance enquiries for both local and international rate, subject to expected availability. Car rental card holders. Account

In 2011 NMB Bank launched the NMBSAVE Account to add to its varied array of banking products available to both existing and potential NMB Bank clients. The Bank hit on a winning formula, as hundreds of NMBSAVE Accounts were opened rapidly following the announce- ment. Since then NMBSAVE Accounts have continued to be a popular option for all who wish to accumulate savings towards a specific goal. An NMBSAVE Account may be opened by individual clients and corporate organisations who wish to set some funds aside for a particular goal or target, whilst still earning interest on those funds and enjoying easy access to them should the need arise. NMBSAVE Account holders can draw from this type of Account just as easily and conveniently as they can from an ordinary Current Account – yet their saving still earns interest. Even better, as long as the Account Holder maintains a modest minimum balance of just US$100, there are no monthly service charges or cash withdrawal handling fees. 4th The NMBSAVE Account earns tiered interest on the average balance in the account, which is paid out on a monthly basis. This can translate into as much as 6% interest per annum on more substantial savings deposits. Essentially, the more the Account Holder saves, the more interest can be earned. NMBSAVE Accounts are an ideal option when pursuing specific personal goals and targets. Typical examples might be saving up for a holiday, providing for school or university fees and N M B B A N K L I M I T E D income tax payments, saving to buy a vehicle or boat, for house renovations, annual insurance premiums, or indeed any cyclical requirement or medium to long term ambition. Withdrawals can be made at any NMB Bank Branch, and existing NMB Account Holders who take up this excellent option have their new NMBSAVE Account linked to their Current Account. This facilitates ease of transfers between Accounts, whether carried out via the NMBACCESS ATM, the NMBDIRECT Internet Banking facility, or at the Branch itself. The NMB account has a broad application. While opening an NMBSAVE Account with the aim of realising a personal or family goal, some 20 parents use the account to initiate a savings culture for their children by opening an NMBSAVE Account for them. By the time they leave home, the aim is to have a lump sum ready to help cover the many costs of further education. Pensioners also find this an attractive option, providing the peace of mind of knowing that their savings are continuing to grow after retirement, but also, that they can access funds easily should the need arise, and bank charges can be kept to a minimum. Deposits can be made at any time, and clients can consider such options as monthly or periodic stop order payments to keep their own saving plan on track and ensure that money in their NMBSAVE Account keeps on growing. The NMBSAVE Account is another welcome innovation from NMB, offering flexibility and value, while helping clients achieve their own long term goals and plans.

N M B B A N K L I M I T E D Celebrating 20 Years

Above: The MCs, Patricia Mabiko and Patrick Kariwo Above: Dr Mushiri (Star Africa) giving his testimonial speech as a long-standing NMB Bank client Above: Mr James Mushore Right: Bishop Julius Makoni Below: Mr Tendayi Mundawarara ( Chairman - NMBZ)

Right (from left to right): Mr Benefit Washaya (MD - NMB Bank) Bishop Julius Makoni, Mr James Mushore

of Excellence - ‘The Party’ Raintree : 31 May 2013 2N M B B A N K L I M I T E D

20 Y th AR ANNIVERS

Established 1993

N M B B A N K L I M I T E D

Established 1993 Thank you from all of us to all of you.

On the occasion of NMB Bank celebrating its 20th Anniversary, the directors and staff extend their most sincere gratitude and best wishes to our loyal and enduring clients who have stayed with the Bank through not only the good, but also the toughest years with all the trials and tribulations.

After 20 years of solid and reliable banking services to our valued customers, our Mission and Vision is to continue providing premium financial services to our existing and new clients be they individuals or businesses, and to be the leading financial services group in our chosen market. Our Values remain grounded solidly on Integrity, Professionalism, Excellence, Loyal and Dedicated Staff, Innovation and Shareholder Value.

Yours sincerely 2N M B B A N K L I M I T E D N M B B A N K L I M I T E D

Established 1993 20 Y th AR ANNIVERS

Established 1993

www.nmbz.co.zw

I N P U R S U I T O F E X C E L L E N C E

NMB Bank Limited. Registered Commercial Bank.