Introduction

Distinguished Shareholders, the Guest of Honour, Colleague Board Members, former Directors, Executive director of Rural Banks, Representative of ARB Apex Bank, Ladies and Gentlemen. We thank God, for bringing us together again as members of this noble institution to enable us (Board of Directors) render our stewardship to you the cherished shareholders of the Bank as enjoined by the laws of the Republic of Ghana. On behalf of my colleagues Directors, I wish to appreciate the effort you have made to be present in this Annual General Meeting. I welcome you all to the 10^th Annual General Meeting (AGM) of Shareholders of Tizaa Rural Bank PLC. The theme for this year’s celebration is “REPOSITIONING TIZAA RURAL BANK PLC to deliver cutting edge services for sustainable local business Growth’’. Permit me to introduce once again the members of the Board who are present with us:

1. Alhaji Seidu Alhassan Osman
2. Mahama Osman
3. Madam Alhassan Rukaya
4. Alhaji Alhassan Inusah

We have three hours arranged for this meeting which consist of two sessions – Session one which will take about two hours is for the general meeting including invited guest and session two which will take about one hour is for our esteemed shareholders.  the timetable is as you see in front of you, in brief we will … (run through the main sections of the AGM). In this report, I will be giving very top line financial statement, but the detail annual financial statement will be presented by our External Auditor who is here with us. I will give an overview of the Bank’s performance in the last financial year including some critical corporate governance measures taken by the bank to stay compliant and efficient.

Our cherished shareholders, ladies, and gentlemen, at this point I would like to present to you the Annual Report and audited Financial Statements of our Bank for the year ended 31^st December 2023.