ISSN 0856 – 8537 DIRECTORATE OF BANKING SUPERVISION ANNUAL REPORT 2012 16TH EDITION For any enquiries contact: Directorate of Banking Supervision Bank of Tanzania P. O. Box 2939 Dar es Salaam TANZANIA Tel: +255 22 223 5482/3 Fax: +255 22 223 4194 Website: www.bot.go.tz TABLE OF CONTENTS ............................................................................................Page LIST OF TABLES .......................................................................................................................... iii LIST OF CHARTS ........................................................................................................................ iv ABBREVIATIONS AND ACRONYMS .......................................................................................... v MESSAGE FROM THE GOVERNOR ........................................................................................... vi FOREWORD BY THE DIRECTOR OF BANKING SUPERVISION ............................................... viii CHAPTER ONE .......................................................................................................................... 1 OVERVIEW OF THE BANKING SECTOR ....................................................................................... 1 1.1 Banking Institutions .................................................................................................................. 1 1.2 Bureaux de Change .................................................................................................................. 1 1.3 Market Share of Total Assets .................................................................................................... 1 1.4 Employment in the Banking Sector .......................................................................................... 2 1.5 Electronic Payment Services ..................................................................................................... 2 CHAPTER TWO ......................................................................................................................... 4 PERFORMANCE OF THE BANKING SECTOR ............................................................................ 4 2.1 Overview of the Economy ....................................................................................................... 4 2.2 Balance Sheet Structure of the Banking Sector ......................................................................... 4 2.2.1 Asset Structure .................................................................................................... 5 2.2.2 Liability Structure ................................................................................................ 8 2.2.3 Capital Structure ................................................................................................. 9 2.2.4 Composition of Off Balance Sheet Items............................................................ 10 2.3 Financial Soundness Indicators ............................................................................................... 13 2.3.1 Capital Adequacy ............................................................................................. 13 2.3.2 Asset Quality .................................................................................................... 13 2.3.3 Earnings ........................................................................................................... 14 2.3.4 Liquidity .......................................................................................................... 15 2.3.5 Sensitivity to Market Risk .................................................................................. 17 2.4 Summary of Financial Soundness Indicators ....................................................... 17 2.5 Overall Risk Assessment .................................................................................... 18 2.6 Stress Testing .................................................................................................... 18 Directorate of Banking Supervision Annual Report, 2012 ii CHAPTER THREE ..................................................................................................................... 19 MAJOR ACTIVITIES OF THE DIRECTORATE ........................................................................... 19 3.1 Overview ............................................................................................................................... 19 3.2 Licensing ................................................................................................................................. 19 3.3 Off-site Surveillance................................................................................................................ 19 3.4 On-site Examinations ............................................................................................................. 19 3.5 Capacity Building& Public Awareness .................................................................................... 19 CHAPTER FOUR ...................................................................................................................... 20 DEVELOPMENTS IN BANKING SUPERVISION ......................................................................... 20 4.1 Overview ............................................................................................................................... 20 4.2 Credit Reference System......................................................................................................... 20 4.3 Circulars- ................................................................................................................................ 20 4.4 Prudential Regulations. .......................................................................................................... 20 4.5 Investment Guidelines for Social Security Schemes ................................................................ 20 4.6 Minimum Capital Enhancement............................................................................................. 20 CHAPTER FIVE ......................................................................................................................... 22 INTERNATIONAL COOPERATION .......................................................................................... 22 5.1 Regional Cooperation ............................................................................................................ 22 5.2 Other International Initiatives ................................................................................................ 22 APPENDICES ............................................................................................................................ 25 APPENDIX I: DIRECTORATE OF BANKING SUPERVISION ORGANIZATION STRUCTURE ..... 25 APPENDIX II: CONSOLIDATED BALANCE SHEET OF THE BANKING SECTOR ........................ 26 APPENDIX III: OFF BALANCE SHEET ITEMS ............................................................................ 27 APPENDIX IV: CONSOLIDATED INCOME STATEMENT OF THE BANKING SECTOR ............. 27 APPENDIX V: DIRECTORY OF BANKS OPERATING IN TANZANIA ........................................ 28 APPENDIX VI: DIRECTORY OF FINANCIAL INSTITUTIONS OPERATING IN TANZANIA ....... 40 APPENDIX VII: OTHER STATISTICS FOR BANKING INSTITUTIONS ....................................... 44 APPENDIX VIII: STATISTICS OF ATMs, BRANCHES AND EMPLOYEES .................................... 47 APPENDIX IX: GEOGRAPHICAL DISTRIBUTION OF BRANCHES AND ATMs ......................... 52 APPENDIX X: NUMBER OF POINT OF SALE (POS) DEVICES 2012 ......................................... 52 APPENDIX XI: LIST OF AUDIT FIRMS REGISTERED TO AUDIT BANKING INSTITUTIONS ...... 53 APPENDIX XII: LIST OF BUREAUX DE CHANGE AS AT 31ST DECEMBER 2012 ....................... 56 LIST OF TABLES TABLE: 1.3.1: MARKET SHARE OF BANKING ASSETS ......................................................................................................... 1 TABLE: 1.5. 1: VALUE OF MOBILE BANKING, INTERNET BANKING AND MOBILE PAYMENT .............................................. 3 TABLE: 2.2. 1: BALANCE SHEET POSITIONS ...................................................................................................................... 4 TABLE: 2.2. 2: ASSET COMPOSITION .............................................................................................................................. 5 TABLE: 2.2. 3: EARNING ASSETS TREND .......................................................................................................................... 7 TABLE: 2.2. 4: EARNING ASSETS AS PERCENTAGE OF TOTAL ASSETS ................................................................................. 7 TABLE: 2.2. 5: LIABILITIES STRUCTURE ............................................................................................................................ 9 TABLE: 2.2. 6: LIABILITIES COMPOSITION ....................................................................................................................... 9 TABLE: 2.2. 7: CAPITAL TREND..................................................................................................................................... 10 Directorate of Banking Supervision Annual Report, 2012 iii TABLE: 2.2. 8: CAPITAL STRUCTURE ............................................................................................................................. 10 TABLE: 2.2. 9: OFF BALANCE SHEET ITEMS RELATIVE TO TOTAL ASSETS .......................................................................
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