Nananom, Distinguished Shareholders, Fellow Directors, Mr. Patrick Owusu, President of, the Association of Rural Banks-Ashanti Chapter, Police Commander Sekyere Central District, Chief Executive Officers Sister Rural/Community Banks, Invited Guests, friends from the Media, dedicated Management and hardworking Staff of our bank, Ladies, and Gentlemen, all protocol observed. It is an honour to welcome you to the 21st Annual General Meeting of Nsutaman Rural Bank Limited (NRB) and to present to you, the Annual Report on the performance of the bank for the year ended 31st December 2021 in line with the requirement of the Companies Act 2019 (Act 992).

I address you all today as the Chairman of the Board of Directors of our treasured Bank following the retirement of (my senior) the esteemed Prof. Andrew Oteng Amoako who retired from this position on 31st March 2022.

It is my honour on behalf of the Board to have the opportunity to report to members on the performance of the Bank for the 2021 financial year, and plans and strategies adopted going into the future.

The 2021 financial year has been testing for our customers still coming to terms with the impact of COVID-19 on their families and businesses. This has resulted in a challenging year for Nsutaman Rural Bank and many other rural banks with added pressures due to exposures to non- performing Assets, continued disruption of COVID-19, and its impact on business activities such as supply chain disruptions and others.

I am pleased to state that the Nsutaman Rural Bank remains robust and resilient despite these circumstances.