Moza Banco obteve lucro de 90,1 milhões de meticais em 2022

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O Moza Banco, intervencionado em 2016, passando a ser liderado pela sociedade gestora do fundo de pensões dos trabalhadores do Banco de Moçambique, inverteu os prejuízos de 2021, passando a lucros de 90,1 milhões de meticais.

De acordo com o relatório e contas de 2022, consultado citado pela Lusa, o Moza Banco, o quinto maior do país, apresentou um resultado líquido negativo de 1.381 milhões de meticais no exercício de 2021, desempenho que melhorou 106,5% no ano passado, para um resultado líquido positivo em 90,1 milhões de meticais.

“Influenciado por um conjunto de factores, incluindo o aumento de volume de transnacionalidade, a contínua racionalização de custos, bem como a adoção de boas praticas de gestão de Risco e Compliance, que se espelham na otimização e eficiência na gestão de risco de crédito”, justifica a administração, no documento.

Desde 2016 – resultado negativo em 5.268 milhões de meticais, o Moza Banco registou sempre prejuízos anuais, com excepção de 2020, então com lucros de 145,5 milhões de meticais, e agora em 2022.

A rentabilidade dos capitais próprios (ROE) do banco fixou-se no ano passado em 1,26%, “uma melhoria significativa” de mais 11 pontos percentuais (-9,83% em 2021), “em comparação com o período homólogo, refletindo a melhoria dos resultados do banco”, contudo o produto bancário recuou 9%, para 4.120 milhões de meticais.

A 31 de Dezembro de 2022, o capital social do Moza Banco manteve-se em mais de 5.896 milhões de meticais, detido em 62,97% pela Kuhanha – Sociedade Gestora do Fundo de Pensões dos trabalhadores do banco central de Moçambique, seguindo-se a Arise B.V. com 29,79%, entre outros acionistas.

“Em Dezembro de 2022, os acionistas do banco aprovaram mais uma operação de aumento do capital social, no montante de 1.124,5 milhões de meticais, demonstrando a sua total confiança na consolidação da actividade da instituição”, refere a administração.

Na mensagem que acompanha o relatório e contas de 2022, o presidente do conselho de administração, João Figueiredo, afirma que “apesar do contexto difícil”, o Moza Banco manteve “o rigor e prudência” dos exercícios anteriores.

“Consolidamos a trajetória de crescimento em linha com os anos transatos, atestada, aliás, pela confiança que os clientes e o mercado têm vindo a demonstrar em relação à nossa atividade e desempenho. De referir que apenas neste exercício, registamos um crescimento de 27% do número de clientes, alcançando, assim, um total de 215.864”, lê-se na mesma mensagem.

Acrescenta que o banco registou “um crescimento significativo ao nível de captação de depósitos”, de 8% face a 2021, a equivalente a mais 2.600 milhões de meticais (37,2 milhões de euros), enquanto os ativos totais aumentaram igualmente, 6%.

No crédito a clientes, “num contexto macroeconómico menos favorável resultante da recuperação do impacto da pandemia da covid-19, instabilidade no norte do país e pressões inflacionárias externas”, o banco registou “uma ligeira variação” na sua carteira, tendo desembolsado 5.326 milhões de meticais.

Assim, em termos absolutos, no final de 2022, a carteira bruta de crédito aumentou 1%, para 24.544 milhões. Contudo, o rácio de crédito vencido situou-se em 16,7%, mais 1,46 pontos percentuais face ao período homólogo de 2021.

Os recursos de clientes, essencialmente depósitos, totalizavam no final do ano 35.397 milhões de meticais, mais 8% comparando com 2021.

“Esse crescimento é resultado da sólida capacidade do banco em captar novos depósitos e novos depositantes e espelha a confiança dos clientes no banco”, observa o relatório.

O banco apresentou ainda um crescimento em 6% nos activos totais, para 47.676 milhões de meticais, “explicado pela aplicação de liquidez em instrumentos financeiros de menor risco, que representam 34% dos activos totais”.

Já passivo total atingiu os 39.208 milhões de meticais, um incremento de 7% face a 2021, “resultado do esforço do banco em captar novos depósitos e depositantes, consolidando deste modo a sua posição entre as cinco maiores instituições financeiras do mercado”.

No documento é revelado ainda que o Banco Europeu de Investimento (BEI), aprovou um financiamento de 10 milhões de dólares, para “suportar a actividade creditícia do Banco”, num “inequívoco sinal de confiança daquela prestigiada Instituição Financeira para com o Moza Banco, enquadrando-se na estratégia internacional do Banco em garantir parcerias chave e multilaterais com objectivos alinhados com a estratégia do mesmo

No que diz respeito aos índices prudenciais, no final de 2022 o índice de solvabilidade do Moza Banco situou-se em 22,58%, contra os 23,21% em 2021, enquanto o índice de liquidez atingiu 47,41%, contra 44,50% no ano anterior, “mantendo-se bem acima dos requisitos regulamentares estabelecidos pelo regulador”.

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