Annual Reports & Financials
Transparent disclosure is central to how we operate. Our audited financial statements and annual reports are prepared in line with IFRS and CBN prudential guidelines for microfinance banks.
Regulator
Central Bank of Nigeria
Deposit Insurer
NDIC
Reporting Standard
IFRS (SME)
Annual Report & Financial Statements 2024
Full-year performance, board's report, audited financials, corporate-governance disclosures and risk-management review.
Request PDF — Available on requestAnnual Report & Financial Statements 2023
Sixteenth year of operations — a resilient year of MSME lending growth and digital-channel expansion.
Request PDF — Available on requestAnnual Report & Financial Statements 2022
Post-recapitalisation performance, expanded product suite and strengthened corporate governance.
Request PDF — Available on requestAnnual Report & Financial Statements 2021
Recapitalisation, board renewal and the launch of the current management team.
Request PDF — Available on requestKey operating principles
- Adequate loan-loss provisioning in line with CBN prudential guidelines.
- Conservative capital-adequacy buffer above the regulatory minimum.
- Robust internal audit and independent Board Audit Committee oversight.
- Full compliance with AML/CFT and CBN Corporate Governance Code.
- Regular stress-testing of the loan book and liquidity position.
- Continuous investment in cybersecurity and core-banking resilience.
Investor & analyst enquiries
For copies of past annual reports, AGM notices, dividend history or clarification on any published financial disclosure, please contact investors@rockshieldmfb.com or write to the Company Secretary at 79 Ladipo Street, Mushin, Lagos State.