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Review pending. Every figure has been located on its cited source page in an AI-assisted source verification (matched to the document's text) (17 October 2026). Independent review has not yet been carried out, and these pages are not indexed.AI-assisted source check done; independent review pending; not indexed. About the review

NMB Bank

NMB · Dar es Salaam Stock Exchange · Incorporated in Tanzania · Consolidated statements

On this page
Company details
Legal name
NMB Bank Plc
Incorporated in
Tanzania
Listing
NMB on the Dar es Salaam Stock Exchange, active (observed 2026-10-08)
Sector
Not classified (our classification from the stated principal activity)
Financial year ends
31 December

Overview

Year ended 31 December 2025 · annual report, signed / final · source

  • Net interest income

    TZS 1.19 trillion

    1,191,080 TZS millions · p150

    +12.5% vs 2024

    Printed 'Net interest income' (consolidated statement of profit or loss, p150).

  • Total operating income

    TZS 1.74 trillion

    1,743,977 TZS millions · p150

    +12.5% vs 2024

    Printed 'Total operating income' (p150), the bank's own top-line total (struck after the impairment charge). No revenue line is printed.

  • Profit for the year

    TZS 760 billion

    760,064 TZS millions · p150

    +17.5% vs 2024

    Printed 'Profit for the year' (p150).

  • Total assets

    TZS 17.6 trillion

    17,615,944 TZS millions · p151

    +28.2% vs 2024

    Printed 'Total assets' (p151).

  • Deposits from customers

    TZS 12.5 trillion

    12,518,321 TZS millions · p151

    +30.9% vs 2024

    Printed 'Deposits from customers' (p151).

  • Total equity

    TZS 3.11 trillion

    3,106,719 TZS millions · p151

    +21.4% vs 2024

    Printed 'Total equity' (p151).

Large amounts are rounded for reading (TZS million / billion / trillion); exact figures as printed are under each amount and in the tables. No currency conversion.

Financial statements

Exact figures as printed. Each column comes from one filing; labels are as printed in the newest filing. Amounts in TZS millions unless the row says otherwise; brackets are negative.

† from a supplementary filing for the same year · ‡ signed audited statements preferred over a disputed figure · “–” is a printed dash, explained below the table

Column sources

  • FY2025 — annual report, signed / final; reported for the year · source
  • FY2024 — annual report, signed / final; comparative in the FY2025 filing · source
  • FY2023 — annual report, signed / final; comparative in the FY2024 filing · source
  • FY2022 — annual report, signed / final; comparative in the FY2023 filing · source

Income statement

Income statement, TZS millions. Columns: FY2025 — annual report (signed / final), as reported for the year; FY2024 — annual report (signed / final), comparative reported in the annual report for 2025; FY2023 — annual report (signed / final), comparative reported in the annual report for 2024; FY2022 — annual report (signed / final), comparative reported in the annual report for 2023.
Line (as printed) FY2025Annual reportreported for the yearFY2024Annual reportcomparative in FY2025 filingFY2023Annual reportcomparative in FY2024 filingFY2022Annual reportcomparative in FY2023 filing
Interest income 1,548,329 1,366,006 1,179,592 953,656
Interest expense (357,249) (307,599) (242,354) (164,020)
Net interest income 1,191,080 1,058,407 937,238 789,636
Impairment charge – loans and advances12 (80,574) (85,068) (84,485)3 (81,067)
Impairment charge – other45 (993) (2,403) 506 (113)
Total impairment charge7 (81,567) (87,471) (84,435) (81,180)
Net interest income after impairment8 1,109,513 970,936 852,803 708,456
Fee and commission income 630,634 574,762 469,306 419,189
Fee and commission expense (146,164) (135,396) (102,819) (94,260)
Net fee and commission income 484,470 439,366 366,487 324,929
Realized gain on investment securities910 7,737 4,831 7,527 5,353
Foreign exchange income 106,698 110,758 65,835 48,071
Other income 35,559 23,786 28,531 23,779
Total operating income11 1,743,977 1,549,677 1,321,183 1,110,588
Employee benefits expense (379,674) (335,656) (297,923) (266,296)
Other operating expenses (236,908) (226,694) (199,015) (175,489)
Depreciation and amortization12 (60,664) (56,037) (49,444) (53,638)
Total operating expenses (677,246) (618,387) (546,382) (495,423)
Profit before tax 1,066,731 931,290 774,801 615,165
Income tax expense (306,667) (284,397) (229,594) (183,493)
Profit for the year 760,064 646,893 545,207 431,672
Non-controlling interests13 394 363 317 141
Fair value gain on debt instruments at FVOCI – net of tax 1,698 500 464 522
Total comprehensive income for the year 761,762 647,393 545,671 432,194
Notes and alternative reported figures (13)
  1. “Impairment charge – loans and advances” is an issuer-specific line, not mapped to a shared definition: Note 12(a): impairment charge on loans and advances.
  2. Printed under different labels across filings: “Credit/(charges) – loans and advances”; “Impairment charge – loans and advances”.
  3. Annual report dated 2024-03-28 prints (84,350) (millions, p140) for this line and year.
  4. “Impairment charge – other” is an issuer-specific line, not mapped to a shared definition: Note 12(b): impairment charge on other financial assets.
  5. Printed under different labels across filings: “Credit/(charges) – other”; “Impairment charge – other”.
  6. Annual report dated 2024-03-28 prints (85) (millions, p140) for this line and year.
  7. Printed under different labels across filings: “Total credit/(charges)”; “Total impairment charge”.
  8. “Net interest income after impairment” is an issuer-specific line, not mapped to a shared definition: Net interest income less the total impairment charge.
  9. “Realized gain on investment securities” is an issuer-specific line, not mapped to a shared definition: Note 24.
  10. Printed under different labels across filings: “Realized gain on Investment Securities”; “Realized gain on investment securities”.
  11. “Total operating income” is an issuer-specific line, not mapped to a shared definition: The issuer's total operating income: net interest income after impairment plus net fee and commission, investment, foreign exchange and other income.
  12. “Depreciation and amortization”: mapping to a shared definition is uncertain. One line for depreciation and amortisation (note 17(a)).
  13. “Non-controlling interests” is an issuer-specific line, not mapped to a shared definition: Profit for the year attributable to non-controlling interests (note 25(b)).

Balance sheet

Balance sheet, TZS millions. Columns: FY2025 — annual report (signed / final), as reported for the year; FY2024 — annual report (signed / final), comparative reported in the annual report for 2025; FY2023 — annual report (signed / final), comparative reported in the annual report for 2024; FY2022 — annual report (signed / final), comparative reported in the annual report for 2023.
Line (as printed) FY2025Annual reportreported for the yearFY2024Annual reportcomparative in FY2025 filingFY2023Annual reportcomparative in FY2024 filingFY2022Annual reportcomparative in FY2023 filing
Cash and balances with Bank of Tanzania 1,780,949 1,450,570 1,340,934 1,551,341
Placements and balances with other banks 1,740,679 905,687 336,759 186,941
Derivative financial instruments 3,627 14,721 –1 Not reported in this filing2
Loans and advances to customers 10,430,094 8,498,677 7,706,925 6,014,603
At amortised cost 2,512,958 2,180,270 2,245,260 1,915,254
At FVOCI 45,633 78,339 28,345 28,778
At FVPL –1 10,154 –1 Not reported in this filing3
Equity investment at FVOCI4 4,233 4,233 2,920 2,920
Other assets 592,237 173,278 145,701 200,868
Current tax assets 7,817 9,508 10,969 3,882
Property and equipment 222,572 182,662 180,846 175,137
Intangible assets 95,577 65,889 37,347 18,290
Right-of-use assets 27,826 22,382 25,232 27,063
Deferred income tax assets 151,742 139,320 118,324 109,475
Total assets 17,615,944 13,735,690 12,179,562 10,234,552
Deposits due to other banks 1,230 73 15,008 12,445
Deposits from customers 12,518,321 9,564,222 8,465,608 7,594,832
Derivative financial instruments 5 2,956 –5 Not reported in this filing6
Other liabilities 661,766 211,639 194,044 148,206
Lease liabilities7 27,355 24,298 28,844 30,586
Provisions 1,521 2,779 2,431 2,079
Borrowings 1,298,487 1,369,504 1,380,193 749,354
Deferred income tax liability 540 839 857 1,418
Total liabilities 14,509,225 11,176,310 10,086,985 8,544,522
Share capital 20,000 20,000 20,000 20,000
Retained earnings 3,077,773 2,532,526 2,066,586 1,664,821
Fair valuation reserve 3,748 2,050 1,550 1,086
Capital and reserves attributable to owners of the parent 3,101,521 2,554,576 2,088,136 1,685,907
Non-controlling interest 5,198 4,804 4,441 4,123
Total equity 3,106,719 2,559,380 2,092,577 1,690,030
Total equity and liabilities 17,615,944 13,735,690 12,179,562 10,234,552
Current tax liabilities Not reported in this filing8 Not reported in this filing8 Not reported in this filing109 5,602
  1. Printed “-”, read as nil: subtotal_arithmetic: bs.total_assets.
  2. Printed “-”, read as nil: subtotal_arithmetic: bs.total_liabilities.
Notes and alternative reported figures (8)
  1. Not reported in this filing: Not printed: the consolidated statement of financial position of the 2023 report (p142, right half of the spread) has no 'Derivative financial instruments' line in any column; its asset lines run from 'Cash and balances with Bank of Tanzania' to 'Deferred income tax assets', with investment securities only 'At amortised cost' and 'At FVOCI'; the derivative line first appears in the 2024 report. Text layer.
  2. Not reported in this filing: Not printed: the consolidated statement of financial position of the 2023 report (p142, right half of the spread) has no 'At FVPL' line in any column; investment securities are printed only as '- At amortised cost' (1,915,254) and '- At FVOCI' (28,778) for 2022, plus 'Equity investment at FVOCI'. Text layer.
  3. “Equity investment at FVOCI” is an issuer-specific line, not mapped to a shared definition: Note 25(a).
  4. Not reported in this filing: Not printed: the consolidated statement of financial position of the 2023 report (p142, right half of the spread) has no 'Derivative financial instruments' line in any column; its liability lines are 'Deposits due to other banks', 'Deposits from customers', 'Other liabilities', 'Lease liabilities', 'Provisions', 'Borrowings', 'Current tax liabilities' and 'Deferred income tax liability'. Text layer.
  5. “Lease liabilities” is an issuer-specific line, not mapped to a shared definition: Note 29(c): lease liabilities, current and non-current not split.
  6. Not reported in this filing: Not printed: the consolidated statement of financial position of the 2025 report (p151, right half) has no current tax liability line in either column; its liability lines are 'Deposits due to other banks', 'Deposits from customers', 'Derivative financial instruments', 'Other liabilities', 'Lease liabilities', 'Provisions', 'Borrowings' and 'Deferred income tax liability' (current tax appears only as the asset 'Current tax assets'). Text layer.
  7. Annual report dated 2024-03-28 presents this line for this year: - (p142). Not shown in this column, which follows one filing's presentation.
  8. Not reported in this filing: Not printed: the consolidated statement of financial position of the 2024 report (p124) has no current tax liability line in either column (the 2023 report's 'Current tax liabilities' line, '-' for 2023, is not repeated); its liability lines are 'Deposits due to other banks', 'Deposits from customers', 'Derivative financial instruments', 'Other liabilities', 'Lease liabilities', 'Provisions', 'Borrowings' and 'Deferred income tax liability'. Text layer.

Cash flow

Cash flow, TZS millions. Columns: FY2025 — annual report (signed / final), as reported for the year; FY2024 — annual report (signed / final), comparative reported in the annual report for 2025; FY2023 — annual report (signed / final), comparative reported in the annual report for 2024; FY2022 — annual report (signed / final), comparative reported in the annual report for 2023.
Line (as printed) FY2025Annual reportreported for the yearFY2024Annual reportcomparative in FY2025 filingFY2023Annual reportcomparative in FY2024 filingFY2022Annual reportcomparative in FY2023 filing
Cash (used in)/generated from operations 1,930,282 1,006,632 (51,850) 53,422
Interest received 206,461 219,816 212,093 157,116
Interest paid1 (93,460) (119,982) (66,301) (42,721)
Tax paid (318,198) (303,562) (251,330) (188,256)
Net cash generated/(used in) operations2 1,725,085 802,904 (157,388) (8,693)
Proceeds from government securities at amortised cost34 647,015 595,587 607,278 505,734
Investment in government securities at amortised cost56 (941,568) (537,565) (932,548) (721,384)
Purchase of property and equipment (77,945) (35,367) (41,041) (20,690)
Purchase of intangible assets (44,626) (37,788) (22,903) (9,394)
Proceeds on disposal of property and equipment 252 300 691 592
Equity investments7 –8 (1,313) –8 Not reported in this filing9
Lease acquisition10 (604) (834) –8 (3,368)
Dividends received11 45 65 55 50
Net cash used in investing activities (417,431) (16,915) (388,468) (248,460)
Proceeds received from borrowings 146,625 170,073 785,238 427,518
Principal repaid on borrowings (227,918) (159,035) (190,353) (174,141)
Principal paid on lease liabilities12 (10,297) (9,478) (13,228) (8,532)
Dividends paid (214,423) (180,590) (143,125) (96,729)
Net cash (used in)/generated from financing activities13 (306,013) (179,030) 440,516 150,164
Net increasein cash and cash equivalents14 1,001,641 606,959 (105,340) (106,989)
Cash and cash equivalents at beginning of the year 1,779,161 1,172,202 1,277,542 1,406,497
Cash and cash equivalents at end of the year 2,780,802 1,779,161 1,172,202 1,277,542
Tax refund15 Not reported in this filing16 Not reported in this filing16 Not reported in this filing1817 11,746
Balances with mobile network operators19 Not reported in this filing20 Not reported in this filing20 Not reported in this filing2117 (21,966)
  1. Printed “-”, read as nil: subtotal_arithmetic: cf.cash_from_investing.
Notes and alternative reported figures (20)
  1. “Interest paid” is an issuer-specific line, not mapped to a shared definition: Operating: interest paid (notes 29(c) and 36).
  2. Printed under different labels across filings: “Net cash generated/(used in) operations”; “Net cash used in operating activities”.
  3. “Proceeds from government securities at amortised cost” is an issuer-specific line, not mapped to a shared definition: Investing (note 24(a)).
  4. Printed under different labels across filings: “Proceeds from government securities”; “Proceeds from government securities at amortised cost”.
  5. “Investment in government securities at amortised cost” is an issuer-specific line, not mapped to a shared definition: Investing (note 24(a)).
  6. Printed under different labels across filings: “Investment in government securities”; “Investment in government securities at amortised cost”.
  7. “Equity investments” is an issuer-specific line, not mapped to a shared definition: Investing (note 25).
  8. Not reported in this filing: Not printed: the investing section of the consolidated statement of cash flows of the 2023 report (p145, left half) has no 'Equity investments' line; it prints government securities, property and equipment, intangible assets, disposal proceeds, 'Lease acquisition' and 'Dividends received'. Text layer, and checked on the page image.
  9. “Lease acquisition” is an issuer-specific line, not mapped to a shared definition: Investing (notes 29(b) and (d)).
  10. “Dividends received” is an issuer-specific line, not mapped to a shared definition: Investing (note 14).
  11. Printed under different labels across filings: “Principal paid on lease liabilities”; “Repayment of lease liabilities”.
  12. Printed under different labels across filings: “Net cash (used in)/generated from financing activities”; “Net cash generated from financing activities”.
  13. Printed under different labels across filings: “Net decrease in cash and cash equivalents”; “Net increase/(decrease) in cash and cash equivalents”; “Net increasein cash and cash equivalents”.
  14. “Tax refund” is an issuer-specific line, not mapped to a shared definition: Operating: tax refunded (note 18(c)); printed apart from tax paid.
  15. Not reported in this filing: Not printed: the consolidated statement of cash flows of the 2025 report (p154, left half) has no 'Tax refund' line; its operating lines after cash from operations are 'Interest received', 'Interest paid' and 'Tax paid'. Text layer.
  16. Annual report dated 2024-03-28 presents this line for this year: - (p145). Not shown in this column, which follows one filing's presentation.
  17. Not reported in this filing: Not printed: the consolidated statement of cash flows of the 2024 report (p126, right half) has no 'Tax refund' line; its operating lines after cash from operations are 'Interest received', 'Interest paid' and 'Tax paid'. Text layer, and checked on the page image.
  18. “Balances with mobile network operators” is an issuer-specific line, not mapped to a shared definition: Adjustment to opening cash and cash equivalents printed after the net change (2022 only).
  19. Not reported in this filing: Not printed: the consolidated statement of cash flows of the 2025 report (p154, left half) has no 'Balances with mobile network operators' line; cash moves from 'Cash and cash equivalents at beginning of the year' plus the net increase to 'Cash and cash equivalents at end of the year'. Text layer.
  20. Not reported in this filing: Not printed: the consolidated statement of cash flows of the 2024 report (p126, right half) has no 'Balances with mobile network operators' line; cash moves from 'Cash and cash equivalents at beginning of the year' plus the net change directly to 'Cash and cash equivalents at end of the year'. Text layer, and checked on the page image.

Per share and shares

Per share and shares. Columns: FY2025 — annual report (signed / final), as reported for the year; FY2024 — annual report (signed / final), comparative reported in the annual report for 2025; FY2023 — annual report (signed / final), comparative reported in the annual report for 2024; FY2022 — annual report (signed / final), comparative reported in the annual report for 2023.
Line (as printed) FY2025Annual reportreported for the yearFY2024Annual reportcomparative in FY2025 filingFY2023Annual reportcomparative in FY2024 filingFY2022Annual reportcomparative in FY2023 filing
Earnings / (loss) per share (per share)2 1,519.34 1,295.781 1,089.78 863.06
Profit / (loss) attributable to shareholders (TZS millions)3 759,670 646,530 544,890 431,531
Notes and alternative reported figures (3)
  1. Annual report dated 2025-03-28 prints 1,293.79 (units, p123) for this line and year.
  2. Earnings / (loss) per share: printed as “Basic and diluted earnings per share”.
  3. Profit / (loss) attributable to shareholders: printed as “Owners of the Bank”.

Segments

Segment data not yet collected for this company in the pilot.

Dividends

Proposed or recommended, declared and paid are different events and are kept apart. A statement that no dividend was proposed does not mean none was paid.

Dividend events, the issuer's wording, and amounts as printed
Year endedEventWording as printedAmountUnitSource
31 Dec 2025 Dividends paid (cash flow statement) Dividends paid (214,423) TZS millions Annual report, p154
31 Dec 2024 Dividends paid (cash flow statement) Dividends paid (180,590) TZS millions Annual report, p154
31 Dec 2023 Dividends paid (cash flow statement) Dividends paid (143,125) TZS millions Annual report, p126
31 Dec 2022 Dividends paid (cash flow statement) Dividends paid (96,729) TZS millions Annual report, p145

Sources

Each filing used on this page, newest period first. Dates are the document's own; the date we retrieved a file is shown separately and is never a publication date.

  • NMB Integrated Annual Report 2025 - A Legacy, Built Together

    Year ended 31 December 2025 · Annual report · signed / final

    Audit: Deloitte & Touche, Certified Public Accountants (Tanzania), unmodified opinion · signed

    Auditor's sign-off: Deloitte & Touche; engagement partner Y.F. Kasenge (ACPA-PP4063)

    Final status: Independent auditor's report (PDF pp147-149, folios 293-297) with an unmodified opinion on the consolidated and separate financial statements on pages 298 to 437, signed by hand above 'Signed by: Y.F. Kasenge, Registration No. ACPA-PP4063' for Deloitte & Touche, Certified Public Accountants (Tanzania), Dar es Salaam, dated (printed) 31 March 2026 (PDF p149, page image). The consolidated statement of financial position states the financial statements on pages 298 to 437 were approved and authorised for issue by the Board and carries a handwritten signature of David C. Nchimbi (Chairman) with the printed date 31 March 2026 (PDF p151, page image); only one director's signature is shown there.

    Document date
    31 Mar 2026
    Published
    14 Aug 2026
    Auditor's report
    31 Mar 2026
    Board approval
    31 Mar 2026
    Retrieved by us
    8 Oct 2026 (not a publication date)
    Used for
    statement columns FY2025, FY2024
    Basis
    consolidated statements · TZS millions (printed “TZS' Millions”)
    • 'Total operating income' (p150) is printed after the total impairment charge (net interest income after impairment plus fee, investment, foreign exchange and other income): an issuer concept.
    • Other comprehensive income is a single printed item ('Fair value gain on debt instruments at FVOCI – net of tax', 1,698; 2024: 500); no separate OCI total is printed (p150).
    • The Bank's separate statements (p151 left, p152, p154 right) are not transcribed. On p152 the text layer of the Bank's statement of financial position pairs several liability labels with the wrong amounts; the consolidated statements used here are not affected.
    Technical details
    File
    227 pages, with a text layer
    SHA-256
    d985234be121b0d0cbff4909f5018b426ea670ed50c474087f3dcaca13467704
    Entity as printed
    NMB Bank Plc (the "Bank") and its subsidiaries (together, the "Group")
    Exchange copy
    retrieved 2026-10-08T18:08:31Z

  • NMB Integrated Annual Report 2024 — Responsible Growth, Lasting Impact

    Year ended 31 December 2024 · Annual report · signed / final

    Audit: Deloitte & Touche, Certified Public Accountants (Tanzania), unmodified opinion · signed

    Auditor's sign-off: Deloitte & Touche; engagement partner F.J. Kibiki (ACPA-PP 3214)

    Final status: Independent auditor's report (PDF pp120-122, folios 238-242) with an unmodified opinion on the separate and consolidated financial statements on pages 243 to 385, signed by hand above 'Signed by: F.J. Kibiki, NBAA Registration No. ACPA-PP 3214' for Deloitte & Touche, Certified Public Accountants (Tanzania), Dar es Salaam, dated (printed) 28 March 2025 (PDF p122, page image). The consolidated statement of financial position states the financial statements on pages 243 to 385 were approved and authorised for issue by the Board and carries a handwritten signature of David C. Nchimbi (Chairman) with the printed date 27th March 2025 (PDF p124, page image); only one director's signature is shown there.

    Document date
    28 Mar 2025
    Auditor's report
    28 Mar 2025
    Board approval
    27 Mar 2025
    Retrieved by us
    8 Oct 2026 (not a publication date)
    Used for
    statement columns FY2023
    Basis
    consolidated statements · TZS millions (printed “TZS' Millions”)
    • Approval dates differ: the statements of financial position print approval by the Board on 27th March 2025 (p124), while note 1 states the consolidated financial statements 'were approved for issue by Those Charged with Governance on 24th March 2025' (p127). The p124 date is recorded.
    • Consolidated statement of cash flows, 2023 column: the printed financing lines (785,238; (190,353); (13,228); (143,125)) sum to 438,532, but 'Net cash (used in)/generated from financing activities' is printed as 440,516 (difference 1,984). The printed total agrees with the printed net decrease (105,340). Kept as printed; checked on the page image (p126).
    • 'Total operating income' (p122) is printed after the total impairment charge (net interest income after impairment plus fee, investment, foreign exchange and other income): an issuer concept.
    • Other comprehensive income is a single printed item ('Fair value gain on debt instruments at FVOCI – net of tax', 500; 2023: 464); no separate OCI total is printed (p123).
    • The Bank's separate statements (p123 right, p124 right, p126 left (changes in equity), p127) are not transcribed. On p124 the Bank's statement of financial position prints several liability labels against the wrong amounts (e.g. 'Other liabilities 30 2,956', 'Current tax liabilities 36 1,369,504'; text layer and page image); the consolidated statements used here are not affected.
    Technical details
    File
    201 pages, with a text layer
    SHA-256
    451627b38ae2445432b81c41e670707af663f627e4e3403da31f43e1fc65c205
    Entity as printed
    NMB Bank Plc (the "Bank") and its subsidiary (together, the "Group")
    Exchange copy
    retrieved 2026-10-08T18:15:49Z

  • NMB Integrated Annual Report 2023 — Touching Lives, Empowering Communities

    Year ended 31 December 2023 · Annual report · signed / final

    Audit: Deloitte & Touche, Certified Public Accountants (Tanzania), unmodified opinion · signed

    Auditor's sign-off: Deloitte & Touche; engagement partner F.J. Kibiki (ACPA-PP 3214)

    Final status: Independent auditor's report (PDF pp138-140, folios 267-271) with an unmodified opinion on the separate and consolidated financial statements on pages 272 to 411, signed by hand above 'Signed by: F.J. Kibiki, NBAA Registration No. ACPA-PP 3214' for Deloitte & Touche, Certified Public Accountants (Tanzania), Dar es Salaam, dated (printed) 28 March 2024 (PDF p140, page image). The consolidated statement of financial position states the financial statements on pages 272 to 411 were approved and authorised for issue by the Board and carries a handwritten signature of Dr. Edwin P. Mhede (Chairman) with the printed date 27th March 2024 (PDF p142, page image); only one director's signature is shown there.

    Document date
    28 Mar 2024
    Auditor's report
    28 Mar 2024
    Board approval
    27 Mar 2024
    Retrieved by us
    8 Oct 2026 (not a publication date)
    Used for
    statement columns FY2022
    Basis
    consolidated statements · TZS millions (printed “TZS' Millions”)
    • Approval dates differ: the statements of financial position print approval by the Board on 27th March 2024 (p142) and 27 March 2024 (p143), while note 1 states the consolidated financial statements 'were approved for issue by Those Charged with Governance on 15 March 2024' (p146). The p142 date is recorded.
    • Consolidated statement of cash flows, 2023 column: the printed financing lines (785,238; (190,353); (143,125); (13,228)) sum to 438,532, but 'Net cash generated from financing activities' is printed as 440,516 (difference 1,984). The printed total agrees with the printed net decrease ((105,340)). Kept as printed; checked on the page image (p145). The same discrepancy is noted for the 2023 comparative in the FY2024 spec. The 2022 column has the same kind of difference: lines 427,518; (174,141); (96,729); (8,532) sum to 148,116 against the printed total 150,164 (difference 2,048), which agrees with the printed net decrease ((106,989)). Kept as printed.
    • 'Total operating income' (p140) is printed after the total credit/(charges) for impairment (net interest income after impairment plus fee, investment, foreign exchange and other income): an issuer concept. The impairment lines are headed 'Credit/(charges)' and are charges in both years.
    • 2022 column: 'Balances with mobile network operators' ((21,966)) is printed between the opening balance (1,406,497) and the closing balance (1,277,542); the closing-cash check that omits it differs by exactly that line (p145).
    • Other comprehensive income is a single printed item ('Fair value gain on debt instruments at FVOCI – net of tax', 464; 2022: 522); no separate OCI total is printed (p141).
    • The consolidated statement of cash flows marks the 2022 column '2022*' with '*Comparative figures are reclassified. Refer to note 39.' (p145); its comparative values are flagged restated.
    • The Bank's separate statements (p141 right, p143, p145 second statement) are not transcribed.
    Technical details
    File
    218 pages, with a text layer
    SHA-256
    9db411ede93007b92eaa0a7377df4221c62dd57f6d9bbfc6833243d207836f37
    Entity as printed
    NMB Bank Plc (the "Bank") and its subsidiary (together, the "Group")
    Exchange copy
    retrieved 2026-10-08T18:23:18Z

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