NMBZ Holdings Limited is a Zimbabwean investment holding company whose principal subsidiary is NMB Bank Limited. NMB Bank was established in 1992 and has grown to become one of Zimbabwe's leading banks. It has over 13 branches across Zimbabwe and offers personal and corporate banking services. NMBZ has a dual listing on the Zimbabwe and London stock exchanges. The company aims to provide premium financial services to individuals and businesses in Zimbabwe.

1. IN PURSUIT OF EXCELLENCE

2. Contents Page
Who are we 01
Vision,Mission and Values Statement 02
Company History 03
Group Structure 04
Investors 05
Board of Directors 06
NMBZ Holdings Limited Financial Highlights as at 31 December 2013 07
Corporate Governance 08
Committee Functions 09
Business Model and Nature of our Business 10
Corporate Finance and Advisory Services 12
Management Information Systems 13
Profiles of Key Personnel 14
Branch Network 16

3. WHO ARE WE
NMBZ is a Zimbabwean based investment holding
company whose principal subsidiary is NMB Bank
Limited, a registered commercial bank in terms of
the Banking Act Chapter 24.20. Its other subsidiary
is Stewart Holdings (Private) Limited, an equities
holding company. The Group has a dual listing on
the Zimbabwean Stock Exchange and the London
Stock Exchange.
01

4. 02
VISION
To be the leading financial services group in our chosen
market.
VALUES STATEMENT
INTEGRITY
Uprightness in character
PROFESSIONALISM
Exhibiting expertise and fairness in our work
EXCELLENCE
Being exceptional in all our dealings
LOYAL AND DEDICATED STAFF
Attracting and retaining professional, skilled and motivated staff
INNOVATION
Committed to providing solutions that maximise value to our customers
SHAREHOLDER VALUE
Achieving stakeholder satisfaction through high shareholder returns
PARTNERSHIPS
Achieving a common destiny through shared responsibilities, shared
resources and mutual benefits
MISSION
To provide premium financial services to existing and potential high net worth individuals
and businesses and unique branded technology enabled products to SMEs and the mass
market.

5. NMBZ is a Zimbabwean based investment holding company whose principal
subsidiary is NMB Bank Limited. Its other subsidiary is Stewart Holdings (Private)
Limited, an equities holding company. The group has a 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 October 1992 by a
group of Zimbabwean entrepreneurs who had previously held senior positions in
renowned international financial institutions such as the World Bank and the
International Finance Corporation. The impetus for the creation of NMB Bank came
from the liberation of the Zimbabwean economy and financial sector in the 1990s.
NMB Bank was registered as an accepting house under the Banking Act in May 1993.
Continued growth created the opportunity for a public flotation of the Group, and in
early 1997, the NMBZ Group was listed successfully on the Zimbabwe Stock
Exchange and simultaneously admitted to the Official List of the London Stock
Exchange. The public offer was 4.5 and 2 times oversubscribed in Zimbabwe and
London respectively, and it enhanced substantially the Bank’s capacity to write large
business transactions.
On 6 December 1999, NMB Bank was granted a commercial banking licence. This
enhanced funding capacity as well as improving product offerings. The commercial
bank opened its doors to the public in July 2000. NMB Bank won several awards in
recognition of its service excellence and leadership in its niche market. The Bank was
awarded the international EURO Money awards for Excellence both in 1998 and 1999.
The Bank also won the Financial Times Banker Magazine, Bank of the Year Award for
the best bank in Zimbabwe, two years in a row in 2001 and 2002. Zimbabwe
experienced a hyperinflationary period between 2003 and 2009 resulting in the
destruction of the Zimbabwean dollar and consequent erosion of capital and value for
the Bank before the economy adopted a multi-currency system in February 2009 which
saw the introduction of the South African Rand (ZAR), United States Dollar (USD) and
other major currencies. NMB bank weathered this challenging period owing to a loyal
customer base, a strong brand and dedicated management.
ICSAZ Excellence in Corporate Governance Awards 2015
Banking Institutions category:
• Best Banking Governance Practices Award
• Best Banking Risk Management Practices Award
• Overall Best Banking Corporate Governance Practices Award
• 2nd Best Banking Internal Audit Disclosures Award and
• 2nd Shareholder Treatment Award for Zimbabwe Stock Exchange
listed companies.
ICSAZ Excellence in Corporate Governance Awards 2014.
Banking Institutions category:
• Third prize in best Governance practice
• Second Prize in best Risk Management
• First Prize in best Internal Audit disclosures
• Second Prize in overall best Governed Banking Institution
Financial Times Banker Magazine:
• Best Bank in Zimbabwe 2001 and 2002
Euromoney Awards:
• Best Bank in Zimbabwe 1998 and 1999
ZNCC Awards
• Financial Institution of the Year 2015 sponsored by Ernst & Young.
• The sponsor’s certificate for the Retailer of the year 2014
• The best bank supporting SME’s in 2014
• First Runner Up Certificate for being the Financial Institution of the
Year 2014 sponsored by Ernst & Young
COMPANY HISTORY AWARDS
03

6. Following the formation of the Unity Government and the dollarization of the economy
and in order to meet the minimum requirements for commercial banks, the Bank
under-took a rights issue in June 2010 to raise US$10.3 million. The rights issue was
fully underwritten by African Century Financial Services Investments LLP, an
investment partnership based in the United Kingdom. The transaction resulted in
African Century acquiring a 25% stake in the Bank.
In order for the Bank to grow its balance sheet and increase capacity to write more
business, it embarked on strategies to increase its capital early in 2012. This strategy
was over time supported by the Central Bank’s announcement of revised capital
minimum requirements. NMBZ Bank then invited three institutional investors; FMO,
Norfund and Africinvest to participate in a share placement for a collective additional
capital of $14.8 million in NMB Bank. The new capital accelerated NMB Bank’s
organic growth and enhanced the Bank’s shareholder profile.
GROUP STRUCTURE
NMBZ Holdings Limited
100%
NMB Bank Limited
(Registered Commercial Bank)
100%
Stewart Holdings (Private) Limited
The major shareholders of NMBZ folowing this investment are:
Shareholder Shareholding (%)
African Century 18.3
Old Mutual 15.3
Founding Shareholders 12.3
Afric Invest 9.0
FMO 9.0
Norfund 9.0
04
CHANGES IN SHAREHOLDING
POST DOLLARIZATION

7. AFRICINVEST
AfricInvest-TunInvest Group (www.africinvest.com) was founded in 1994 and
is part of an investment and financial services group called Integra Partners.
Integra Partners offers Private Equity, Brokeage, Asset Management and
Corporate Finance services. The Group started in the Maghreb region and it
initiated AfricInvest, a Mauritius domiciled company, jointly with FMO, as a
management company which manages several venture capital/private equity
funds operating in Sub Saharan Africa.
Today the AfricInvest-TunInvest Group is one of the leading private equity
firms in North Africa and SSA with over US$700 million of assets under
management across 12 private equity funds sponsored by prestigious
development finance institutions including FMO, IFC, EIB, AfDB, Proparco,
BIO, SIFEM, FinFund and Development International Desjardans (DID), and
private and institutional investors. It has an excellent track record with over 94
investments made across several sectors in 21 countries and more than 44
exits generating above market internal rate of returns. It has made significant
contribution to the economic development of its target countries through the
growth and profitability achieved by its portfolio companies.
FMO
FMO (the Netherlands Development Finance Company) is the Dutch
development bank. FMO supports sustainable private sector growth in
developing and emerging markets by investing in ambitious entrepreneurs.
FMO believes a strong private sector leads to economic and social
development, empowering people to employ their skills and improve their
quality of life. FMO focuses on three sectors that have high development
impact: financial institutions, energy, and agribusiness, food & water. With an
investment portfolio of EUR 6.2 billion, FMO is one of the largest European
bilateral private sector development banks.
NORFUND
Norfund is a hybrid company with limited liability established in 1997 and
operated under special legislation (the Norfund Act) and owned by the
Norwegian Government through its Ministry of Foreign Affairs. It is a
development finance institution. Norfund acts as a key instrument of Norwegian
development policy, and the Slorling (Norwegian parliament) allocates annual
capital grants to Norfund in its development assistance budget.
Norfund’s mission is to help developing counties fight poverty through
supporting economic growth, employment and technology transfer. The
objective is to promote business development and contribute to economic
growth and poverty alleviation. Norfund operates in some of the world’s poorest
countries and invests in market where ordinary commercial enterprises are often
reluctant to venture alone because of the high risk. Norfund invests equity,
directly in enterprises and indirectly through funds, as well as providing loans to
individual companies. The investments are done on commercial terms directly in
companies or through local investment funds.
OLD MUTUAL
Old Mutual began in Cape Town in 1845 as South Africa’s first mutual life
insurance company, offering financial security in uncertain times. Today, 170
years on, Old Mutual builds on this heritage of trust and accountability by
meeting a broad range of retail and commercial customers’ financial services
needs at each stage of their lives. Old Mutual takes a long view, aiming
ultimately to enable a positive future for all its stakeholders. Old Mutual have
been listed on the London and Johannesburg stock exchanges, among others,
since 1999.
Old Mutual provides investment, savings, life assurance, asset management,
banking and property and casualty insurance in Africa, Europe, the Americas
and Asia. Old Mutual have over 17 million customers and approximately 61 500
employees
05
INVESTORS
AFRICAN CENTURY
African Century is an operating investment company that has developed a
portfolio of investments in sub-Saharan Africa, principally in East and
Southern Africa. African Century invests in sectors benefiting from GDP
growth and increasing consumer demand. African Century creates value for
its investors by applying its capital and management to develop and grow
substantial, high quality businesses. African Century creates value for its
stakeholder communities by operating in a socially and environmentally
responsible way, with the intention of creating lasting employment and,
above all, by supporting the development of local skills and infrastructure.
Central to African Century’s approach is the firm belief in the role of
capitalism in addressing the long term improvements in living standards
across the continent.

8. The Board of NMBZ Holdings consists of 10 Directors, African Century, AfricInvest, FMO and Norfund each appointed a Director to the Board of NMBZ
Holdings and NMB Bank being Jonathan Chenevix-Trench, Ben Zwinkels, Cheikh Ndiaye and E. Sandersen respectively.
The names and qualifications of the Directors of the current Board of NMBZ Holdings Limited are as indicated below:
Benedict Chikwanha Independent Board Chairman Career Banker
Benefit Washaya Chief Executive Officer AIBZ, CAIB(SA), ACIS, MBA Finance (University of Wales)
Cheikh Ndiaye Non-Executive Director BA, B Econ, MBA
Charles Chikaura Non-Executive Director MBA, UZ, BA(Honours)UniversityofRhodesia; Institute of Bankers Diploma
Maureen Svova Non-Executive Director B Compt, CACZ
Jonathan Chenevix-Trench Non-Executive Director (Classical History and Philosophy) Oxford University
Ben Zwinkels Non-Executive Director Diploma Business Admin, Diploma Commercial Lending
E. Sandersen Non-Executive Director MBA (Stanford University), Msc Engineering (NTNU)
J. Maguranyanga Independent Non-Executive Director LLBS (UZ), Master of Laws (Corporate & Commercial Law) (UL)
K. Qurashi Independent Non-Executive Director B.Sc (UniversityofKarachi,Pakistan), MBA (UniversityofKarachi,Pakistan)
06
BOARD OF DIRECTORS
Name Designation Qualifications

9. 07
FINANCIAL HIGHLIGHTS
30 June 30 June 31 December
2015 2014 2014
Unaudited Unaudited Audited
Total income (US$) 28 802 534 23 303 115 48 078 454
Attributable profit (US$) 3 166 684 1 386 233 1 667 247
Basic earnings per share (US cents) 0.82 0.36 0.43
Total deposits (US$) 287 047 011 213 795 232 235 362 677
Loans and advances (US$) 236 180 331 193 620 036 217 463 319
Total shareholders’ funds (US$) 48 216 645 44 834 220 45 047 616
FINANCIAL SUMMARY

10. The Board recognizes that maintaining good corporate governance practices is an ongoing and continuous process. The Board adopted corporate
governance guidelines which reflects its commitment 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.
The Group emulates corporate governance principles prescribed in the Combined Code of the United Kingdom, the King III report of South Africa and the
Reserve Bank of Zimbabwe Corporate Governance Guideline. The Board has set up the Audit Committee, Human Resources, Nominations and
Remuneration Committee, Asset and Liability Management Committee (ALCO), Finance and Strategy Committee, Credit Committee, Loans Review
Committee and the Risk Management Committee to assist in the discharge of its duties and responsibilies.
08
CORPORATE GOVERNANCE

11. The committee oversees the Group’s financial reporting process, monitoring
the integrity and appropriateness of the Group’s financial statements:
evaluating the adequacy of the Group’s financial, operational and
compliance, internal controls and risk management processes and the
selection, compensation, independence and performance of the Group’s
external and internal auditors.
The committee meets at least four times a year. The Committee meets
regularly with the Company’s internal and external auditors. Both the internal
and external auditors have unrestricted access to the audit committee to
ensure their independence and objectivity.
The Loans Review Committee assesses compliance of the loan book with
the lending policy and the Banking regulations. The committee conducts
loan reviews independent of any person or committee responsible for
sanctioning credit.
HUMAN RESOURCES NOMINATIONS
& REMUNERATION COMMITTEE
The committee is responsible for settling the group’s remuneration
philosophy and reviews the overall remuneration structures of the Group,
including all material remuneration proposals and packages for Executive
Directors and senior personnel.
The committee also considers nominations to the Board and succession
nomination for the Board.
CREDIT COMMITTEE
The credit committee’s main responsibilities are to consider loan applications
beyond the discretionary limits of the management committees and to direct
the formulation of, review and monitor the credit principles and policies of the
Group.
RISK MANAGEMENT COMMITTEE
The Risk Management Committee oversees the quality, integrity and
reliability of the Group’s risk management systems and reviews all
Group-wide risks
The Asset and Liability Management Committee (ALCO), Finance and
Strategy Committee is responsible for deriving the most appropriate strategy
for the Group in terms of the mix of assets and liabilities given its expectations
of the future and the potential consequences of interest-rates movements,
liquidity constraints, foreign exchange exposure and capital adequacy. The
committee also ensures that such strategy is in line with the Group’s risk
appetite. In addition, the committee monitors the business and financial
strategies of the Company.
09
AUDIT COMMITTEE
LOANS REVIEW COMMITTEE
ASSET AND LIABILITY MANAGEMENT COMMITTEE
(ALCO), FINANCE & STRATEGY COMMITTEE

12. The Bank’s business model targets corporates, institutions, individuals and
SMEs. It aims to build a solid business book and grow its retail deposits on
the back of a proven record of quality service delivery. The Bank continues
to operate through strategic placement of service centres at key commercial
and industrial locations in the major cities of Harare, Bulawayo, Gweru,
Kwekwe, Mutare and Masvingo.
PERSONAL BANKING SERVICES
The Personnel Banking Services department facilitates customer
transactions through the Bank’s delivery channels – branch network, ATMs
and Internet Banking , The Bank operates 13 branches in Harare, Bulawayo,
Gweru, Kwekwe, Mutare and Masvingo. The products and services offered
include current accounts, fixed deposits, packaged lending, internet banking,
local and international VISA debit/credit cards, exchange control services,
telegraphic transfers, safe custody and bank drafts. The Bank has a total of
12 Automated Teller Machines (“ATM”) spread across all branches in Harare,
Bulawayo , Gweru, Kwekwe and Mutare. The Bank is a principal member of
VISA International. This membership enables the Bank to use VISA branded
debit and credit cards as well as accept other member bank cards through
the ATM network. The Card Centre in Harare is responsible for VISA card
issuance. The Bank is also a member of ZImswitch, a local company that
offers switching and funds transfers between banks. The membership
enables the Bank’s customers to withdraw cash and make card payments
through other member bank ATMs and point of sale terminals.
10
BUSINESS MODEL
NATURE OF BUSINESS
“ Professionalism Exhibiting expertise
and fairness in our work.”

13. TREASURY
The treasury operations offer a full range of money market investment opportunities, namely call, demand and time deposits and bankers acceptances. In addition the
treasury department is involved in accepting and discounting banker’s acceptances and promissory notes, advising on money markets, issuing of negotiable certificates
of deposits and offering competitive exchange rates on the purchase and sale of foreign currency for which short term bridging finance may be provided to facilitate
import payments. For cross currency transactions, treasury provides Forward Exchange Contract in all major currencies for the exchange rate risk protection of exporters
and importers.
CORPORATE BANKING
The Corporate Banking department is a customer focused provider of business banking solutions, which include lending, deposit taking, transactional banking and
international banking. The Bank’s team of relationship managers has nurtured long standing business relationships with corporate customers. The department provides
short term working capital finance through overdrafts, acceptance credits and short term loans, commodity financing, bank guarantees, trade finance, project finance,
order finance, bill discounting and structured finance.
AGRI-BUSINESS
The Agribusiness unit structures and facilitates lending to the agricultural sector. The department advises clients on financing options to meet their requirements for
agricultural and associated processes. It offers a number of products which include seasonal loans and overdrafts, internet banking, acceptance credits and bank
guarantees. The department is manned by qualified managers who make regular visits to farms to monitor progress on the ground and offer technical expertise to
farmers.
INTERNATIONAL BANKING
The department handles the bank’s international payments and manages relationships with correspondent banks. Pursuant to this role, the department offers offshore
finance for imports and exports, documentary letters of credit – inward and outward, advice to clients on exchange control matters, cross border investments
applications, international guarantees, international payments – drafts and telegraphic (SWIFT) transfers, structured finance, handling of export transactions,
documentary collections and money transfer business.
11
NATURE OF BUSINESS (continued)

14. The Bank’s advisory services department has a proven track record of
growing and nurturing small to medium sized businesses. The unit
was responsible for the listing of some of the largest companies on the
Zimbabwe Stock Exchange, including names such as Econet Wireless,
CBZ and AICO.
Some of the services offered by the department are as follows:
Corporate Restructuring:
Balance sheet securitization, valuation of business enterprises and
fairness opinions, corporate turnaround strategies, strategic
partnership and joint venture formations.
Empowerment Transactions:
Employee share ownership schemes, management buy outs,
management buy ins, shareholding securitization transactions,
general transfer of asset ownership and compliance with employment
laws.
Investment Advisory Services:
Private equity investment and venture capital transactions, wealth
planning, investment performance measurement services, portfolio
valuation services, investment asset securitization and investment
research services.
Structural Finance:
Project and structured finance transactions, securitization
transactions, structured debt and working capital transactions.
Capital Raising: Private Placement, public offerings, rights offers, debt
issues and leasing.
12
HUMAN RESOURCES NOMINATIONS
& REMUNERATION COMMITTEE

15. The Bank has invested in technology that tie together to provide a comprehensive delivery channel for both Corporate and Retail clients - Temeno’s T24 is at the
heart of all core banking 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 beign provided via infosys’s Corporate e-channels 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 posted 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 technology and thus invests in the maintenance and upgrades of the technologies currently deployed whilst seeking new technologies
that enable it to develop innovative products continuously in pursuit of service excellence.
13
MANAGEMENT INFORMATION SYSTEMS

16. The Bank’s senior management is comprised of highly qualified and experienced individuals. Some of the individuals previously held
senior positions in renowned international and local financial institutions
AIBZ, CAIB(SA), ACIS, MBA Finance (University of Wales)
Mr Washaya commenced his banking career with Barclays Bank in 1978 where he held general management positions including
Director’s Assistant, Risk Management and Business Centre Director. He left Barclays Bank in 1997 to join NMB Bank where he
became Divisional Director, Risk Management and was responsible for setting up the Risk Management systems in the bank.
Benefit Washaya moved to Metropolitan Bank of Zimbabwe Limited in March 2004 as Chief Executive Officer. He re-joined NMB
Bank as Managing Director on 7 January 2008 during a very difficult period in the history of the bank. He successfully presided
over the change-over period from the ZWD to the multi-currency regime in 2009 when most bank balance sheets started from a
near zero base. In 2010, he was part of the team that successfully raised US$10 million through a rights issue which broadened
the bank’s shareholder profile and again in 2013, he was part of the team that was involved in a private placement which raised
close to US$15 million and brought on board three strategic institutional investors.
Benefit Washaya (56)
Chief Executive Officer
B. Acc (Honours) (UZ), CA(Z), ACMA, CGMA, MBL (Unisa)
Mr Ndachena, a Chartered Accountant by profession, joined the Group as the Senior Manager of Finance and Administration on
1 July 2001. Prior to joining the Group, he held the position of Financial Controller at OK Zimbabwe where he managed the
Division’s Accounting Department. Previously, Benson spent 8 years with Deloitte & Touché Chartered Accountants (Zimbabwe)
where he rose through the ranks to become anAudit Manager and Senior Consultant and gained extensive experience in auditing,
accounting, consultancy and taxation. He has 14 years of banking experience.
Benson Ndachena (50)
Chief Financial Officer
MBA in Banking and Finance (University of Wales), Postgraduate diploma in Financial
Strategy, Project Management (Open University UK), AIOBZ
Mr Mangozho began his career in 1981 with Standard Chartered Bank Zimbabwe. He then joined Bard Discount House as a
money market dealer and later moved on to ABC (then R.A.L) and rose through the ranks to the position of Chief Dealer. In 1993,
Felix moved to NMB Bank as Manager - Treasury and subsequently rose to the post of General Manager- Treasury. From 2002,
he served as a Financial Consultant in London, UK. He has 33 years of banking experience.
Felix Mangozho (57)
Director -Treasury
14
KEY PERSONNEL PROFILES

17. MBA(UZ), AIOBZ, ACIS
Mr Chinyamutangira is the Director - Banking for NMB Bank, a position he has held since 2008. In this job, he leads Corporate
Banking and International Banking divisions. Before assuming this role, he held other senior positions in the bank which include
General Manager - Risk Management and Assistant General Manager - Corporate Banking. Lionel joined NMB Bank in 2001 after
having gained working experience from Standard bank, ZB Bank and MBCA. He has 33 years of banking experience.
Lionel Chinyamutangira (52)
Director Banking
MBA (Oxford Brookes University), CIS (Intermediate Certification), HND Business Studies
Mr Mutogo has 31 years of banking experience having worked for Standard Chartered Bank from 1983 until he joined NMB Bank
in 2000.
Fanwell Mutogo (53)
Head - Corporate Banking
15
BCom Honours in Banking, MSc in Finance & Investments (NUST), Master in Business
Leadership (Unisa) - Currently studying
Mr Gore has over 14 years banking experience having worked for a number of banks including Barclays Bank, Interfin Merchant
Bank and the Reserve Bank of Zimbabwe from 2000 to early 2008. He is a qualified banker with experience in strategic
management, risk, treasury and lending, coupled with progressive years in formulating strategies to enhance and maintain sound
risk management systems in banks. He joined NMB Bank on 1 July 2008 as Head of Risk, rose to the position of Chief Risk Officer
until his appointment to the position of Chief Operating Officer in December 2015.
MSc Finance (NUST), BCom Finance (NUST), AIOBZ
Mr Kazunga began his career in 2000 with NMB Bank as an Investment Analyst. He then joined Century Investment Bank in 2001
as an Investments Manager and re-joined NMB Bank as Head of Corporate Finance in 2008 and served until 2010. On 1 March
2012, he re-joined NMB Bank as Divisional Executive - Corporate Finance. He has over 10 years investment banking experience.
Loyd Kazunga (39)
Divisional Executive - Corporate
Finance
Gerald Gore (37)
Chief Operating Officer
KEY PERSONNEL PROFILES (continued)

18. 16
MBA (MSU), BBA, Management of Information Systems and Accounting (Kenya), Diploma -
Risk and Security Management (CACC, Zim)
Mr Janda has over 14 years work experience within the Mobile Payments, Banking and Telecommunications industries. He has
worked for companies such as Standard Bank Group - South Africa, Fundamo/ Visa Electron - South Africa, Econet Wireless and
Globacom Group - Nigeria. He joined NMB Bank on 16 February 2015 as Chief Information Officer.
Farai Janda (38)
Head Information, Communication
& Technology (ICT)
Bachelor of Laws Honours Degree LLBS (UZ), Master of Laws (Commercial Law) (LLM)
UNISA - Currently studying
Mrs Mutandwa has 11 years banking experience having worked for Reserve Bank of Zimbabwe from to 2004 to 2009. She joined
NMB Bank on 1 December 2009 as Company Secretary / Head - Legal and Corporate Affairs.
Violet Mutandwa (35)
Head - Legal and Corporate
Affairs/Company Secretary
MSc Quantitative Finance (UNIVERSITY OF LONDON), BSc Applied Mathematics (NUST)
Mr Fushai began his banking career with the Reserve Bank of Zimbabwe in 2008 in the Banking Licensing, Supervision and
Surveillance division. He later worked for a local consulting company as a senior consultant focusing on Risk Management, Basel
II and Financial Modelling. He joined NMB Bank on 11 January 2011 as a Quantitative Risk Analyst before being promoted to the
position of Senior Risk Manager looking after Credit, Market, and Operational Risk. He was appointed as the Head of Risk and
Compliance in December 2015.
Ashley Fushai
Head - Risk and Compliance
Management
MBA (NUST), AIBZ, ACIS, ACCA, PDGM (NUST)
Mr Hapadziwi is a carrer banker for a period spanning over 26 years. He joined NMB Bank in 2002 and has served in various
capacities until his appointment to this position. In the period 1989-1997 he worked for Standard Chartered Bank before joining
FBC Bank (formerly First Banking Corporation) whom he served until early 2002. He has vast experience in managing strategic
change.
Givens Hapadziwi (43)
Head - Retail Banking
KEY PERSONNEL PROFILES (continued)

19. First Floor, Unity Court,cnr Kwame Nkrumah Ave/First St
P O Box 2564, Harare, Zimbabwe
Tel: (+263-4) 759651-9, 759601-6
Fax: (+263-4) 759648
Telex: 26392
JOINA CITY
Shop No. 105A First Floor Joina City
Tel 1: (263-4) 759803/5
Tel 2: (263-4) 798865-9
Tel 3: (263-4) 750922
NMB CENTRE
Cnr George Silundika Ave / Leopold Takawira St
DIGITAL BANKING CENTRE
Ground Floor, Unity Court
Cnr Kwame Nkrumah Ave / First St
P O Box 1006
Tel: (+263-4) 798815/9
Fax: (+263-4)798850
PERSONAL BANKING
P O Box 3913
Tel: (+263-9) 886628-35
Fax: (+263-9) 68535
CORPORATE BANKING
P O Box 3919
Tel: (+263-9) 882060-7
Fax: (+263-9) 882068
57 A Robert Mugabe Way
Tel: (+263-55) 25780-5
36 Robert Mugabe Rd
P O Box GWR 2169
Tel: (+263-54) 227705, 226020-7
Fax: (+263-54) 26250
Ground Floor, Central Africa House
cnr Aerodrome Rd / Herbert Chitepo St
Tel: (+263-20) 69136-45
Fax: (+263-20) 69135
MSASA SOUTHERTON EXCELLENCE CENTRE
77 Amby Drive, Msasa 9 Plymouth Rd New Block 3,Suite F, Shop 89 Sam Levy 's Village,
P O Box AY369, Amby P O Box ST 867, Southerton Borrowdale , Harare
Tel: (+263-4) 446100-9 Tel: (+263-4) 775150-2,773901 Tel: +263 4 850921/922/923/924/925/926/927
Fax: (+263-4) 446119 Fax: (+263-4) 2911227
AVONDALE
PaSangano Complex
20 King Gorge Rd
Tel: (+263-4) 708391-5
Fax: (+263-4) 700711
BORROWDALE
Shop 37/38 Sam Levy’s Village
Tel: (+263-4) 850983-9
Fax: (+263-4) 850993
CORPORATE BANKING DIVISION
9 Plymouth Rd
P O Box ST 867, Southerton
Tel: (+263-4) 775150-2, 7751228/9
Fax: (+263-4) 748005
EASTGATE
Ground Floor, Eastgate Shopping Centre
Cnr Robert Mugabe Rd/Third St
P O Box 8880
Tel: (+263-4) 797362-9
Fax: (+263-4) 797370
HARARE
BULAWAYO
KWEKWE
GWERU
MUTARE
Shop No.1 Old Mutual Building
Robert Mugabe St
Masvingo
Tel: (+263-39) 262810, 262813/5
MASVINGO
Stand No. 469 Magamba Way
Chinhoyi
Tel: (067) 25212-17
CHINHOYI
NMB BANK HEAD OFFICE
OUR BRANCH NETWORK
Corporate Website: http://www.nmbz.co.zw
Internet Banking: https://www.nmbdirect.co.zw
E-mail: enquiries@nmbz.co.zw