Q1 2020 Profit & Loss Account Review

5% Y-O-Y Increase AGILITY DILIGENCE REPEAT The Spirit of Great Banking! 2019 PROFIT & LOSS ACCOUNT Performance Summary Net Interest Income 2019 2018 Variance TZ' Billion TZ' Billion TZ' Billion % Variance 518 492 26.4 5% Non Funded Income Total Income Loan impairment Operating Income Operating Expenses 204 196 8.4 4% 723 688 34.8 5% (100) (137) 37 -27% 623 551 71.8 13% (411) (409) -2 0% Income Before Tax Tax 212 142 69.8 49% (69) (44) -25 57% Profit After Tax 143 98 44.8 46% Cost to Income Ration (CIR) 60% 59% Non Funded Income to Total Income (NFI/Total Income) Return on shareholder's fund 28% 28% 15% 11% 18 Net interest income increased by 26Bn driven by increased Loans & Advances. 4% Y-O-Y Increase 27% Non-Funded income increased by 8Bn between 2018 & 2019 Y-O-Y Decrease Loan Impairment has decreased by 37Bn between 2018 & 2019 Operating Expense has been contained Y-o-Y with a slight decrease or 2Bn NMB Close to you

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