Moza Banco and EMOSE renew partnership to bring insurance solutions to more Mozambicans

The play “Dare to Dream of Tomorrow” brought together around 100 pupils in Maputo and Matola. Activities also included financial education and educational support in Pemba.

Maputo, 2 November 2026 — Moza Banco has chosen theatre as a way of bringing financial education into schools, making the topics of saving and money management more accessible and relevant to younger audiences. The play “Dare to Dream of Tomorrow” brought together around 100 pupils in two performances held on 28 October, at Escola Secundária da Polana, in Maputo, and Colégio Aboobacar Sidique, in Matola.

As part of the celebrations marking World Savings Day, the initiative sought to build a connection between culture and financial education. Through performance and audience interaction, the Bank encouraged reflection on how the choices we make today can help shape our future plans and aspirations.

The use of theatre makes it possible to explore these topics beyond concepts and figures. Stories, actors' performances and direct interaction with the audience provide an engaging language that resonates with pupils, creating opportunities to discuss the value of available resources and the importance of managing them responsibly.

“Dare to Dream of Tomorrow” thus brings to life the central message behind the initiative: preparing for the future also means developing good saving habits and making informed choices in everyday life.

In Pemba, Escola Primária Completa Unidade 1 hosted a financial education session, accompanied by the distribution of 100 school supply kits. The activity was attended by Moza's Northern Regional Director and combined practical guidance on saving with support for learning.

These activities form part of the “Dream of Tomorrow” programme, launched by Moza in 2023, which combines the provision of school supplies and educational materials with initiatives focused on saving, financial management and sustainability.

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On Tuesday, 27 October, Moza Banco hosted a signing ceremony in Maputo for a new agreement with Empresa Moçambicana de Seguros (EMOSE, S.A.) covering the distribution and marketing of insurance products. The agreement establishes new terms under which the Bank will distribute and market EMOSE insurance products to its customers through its branch network and digital channels.

The agreement continues a partnership that began in 2018, when the two institutions signed their first contract to make EMOSE insurance products available to Moza Banco customers. The new agreement replaces the previous one and updates the terms of the partnership to reflect market developments, changes in the regulatory framework governing the insurance sector and the growing use of digital channels by customers.

Under the agreement, Moza Banco acts as a distribution channel. EMOSE, drawing on its experience in the national insurance sector, is responsible for product design, risk assessment and acceptance, policy issuance and claims management. The partnership provides for the availability of both Life and Non-Life insurance solutions, which may be linked to credit facilities or purchased independently, in accordance with the terms agreed between the two institutions.

The agreement was signed by Moza Banco's Chief Executive Officer, Manuel Soares, and, on behalf of EMOSE, by its Chairman of the Board of Directors, Janfar Abdulai. In his address, Manuel Soares highlighted the role of banking in facilitating access to protection solutions, noting that people turn to their bank when buying a home, purchasing a vehicle or investing in their business. He emphasised that it is precisely when a project becomes a reality that protecting it makes the most sense.

“For Moza Banco, this partnership reflects a firm belief: banking that is closer to people is also banking that helps protect what they build,” said Manuel Soares.

The partnership forms part of Moza Banco's commitment to promoting financial inclusion, understood not only as access to banking products and services, but also as access to protection mechanisms that enable families and small businesses to cope with the consequences of accidents, illness or natural disasters, while reducing the financial impact of such events.

Through the renewal of this partnership, Moza Banco strengthens the protection solutions available to individuals and businesses and reaffirms its commitment to bringing closer to Mozambicans the tools they need to face the future with greater security and peace of mind.

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Moza Banco and Eduardo Mondlane University (UEM) concluded the first edition of the Hackathon Moza xLab–UEM on 23 October in Maputo. The initiative brought together more than 30 students from different academic backgrounds, including Software Development, Project Management and Finance, to address a real-world challenge within the local economy.

The Hackathon took place on 22 and 23 October at UEM's Innovation Hub, using a small local business in Matola providing recurring services as its case study. Working in 10 teams, students were challenged to design a digital solution to address the specific needs of a small local business, focusing on improving the customer experience, increasing operational efficiency and creating new ways of engaging with customers. The case study was based on real business needs, providing teams with a practical context closely connected to the local economy in which to develop their solutions.

Throughout the two-day event, participants attended introductory sessions on design thinking, agile methodologies and the software development lifecycle. They then developed their prototypes with guidance from mentors from Moza Banco and UEM. The exercise brought together technology, business insight and multidisciplinary teamwork, bridging academic knowledge and practical market challenges. At the end of the event, each team presented its solution in a pitch to a jury comprising representatives from Moza Banco, UEM and partner organisations. The solutions were assessed against a weighted set of evaluation criteria.
The winning team, “Delta Team”, comprising three members, received a prize of 50,000 meticais, presented by UEM's Rector, Professor Manuel Guilherme Júnior, and Moza Banco's Chief Executive Officer, Manuel Soares. All participating teams received certificates of participation signed by both leaders.
At the closing ceremony, Moza Banco's Chief Executive Officer, Manuel Soares, highlighted the significance of this first edition for the partnership between the two institutions.
“Over these two days, we have seen what we believe in: when academia, the financial sector and the real economy come together around practical challenges, we create better conditions for knowledge to be transformed into solutions and for talent to find opportunities to make an impact,” said Manuel Soares.

The Hackathon marks the first concrete initiative under the Memorandum of Understanding signed between Moza Banco and UEM. Following the conclusion of this phase, the students' individual performance will also be taken into consideration, with between five and eight high-potential participants potentially selected for the Talent Development Programme, where they will receive mentoring and take part in real projects at the Bank.

Through this Hackathon, Moza Banco reaffirms its commitment to developing national human capital and promoting open innovation, building closer links between the financial sector and academia, while creating opportunities for young Mozambicans to turn knowledge into practical solutions that address the needs of the economy and the challenges of the future.

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Moza Banco, in partnership with the Fernando Leite Couto Foundation (FFLC), hosted the literary event “In Conversation with Ana Magaia: Celebrating 100 Years of Noémia de Sousa” on 27 August at 4.00 pm at its headquarters. The initiative celebrated the life, work and legacy of one of the most important voices in Mozambican literature.

Held to mark the centenary of Noémia de Sousa, often celebrated as the “mother of Mozambican poets”, the gathering offered a journey through art, literature and the experiences that shape the human condition, creating space for a conversation about art, culture, dreams, imagination, freedom, engagement and utopia.

The participation of Ana Magaia gave the event a special dimension, owing to her distinguished career and her contribution to Mozambican culture. An actress, producer and professional in theatre, film and television, Ana Magaia has built a career spanning more than four decades, marked by her dedication to the arts and her commitment to promoting Mozambican cultural expression.

During the event, the artist performed a selection of Noémia de Sousa’s poems, specially chosen for the occasion, offering the audience an opportunity to engage with the poet’s work through the voice and interpretation of one of Mozambique’s leading artists. The event also included an open session for comments, questions and readings, allowing the audience to take an active part in the dialogue.

The initiative formed part of Moza Banco’s commitment to supporting and promoting initiatives related to the development of culture and literature, contributing to Mozambique’s socio-cultural enrichment and to the preservation and appreciation of the country’s national cultural heritage.

By joining the celebrations marking Noémia de Sousa’s centenary, Moza Banco reaffirmed its role as a Mozambican bank committed to recognising and celebrating national figures who, through their talent, dedication and work, have contributed to the country’s development across a wide range of fields.

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Social responsibility initiative held as part of the inauguration of the Malhampsene Branch and integrated into the “Sonhar o Amanhã” programme

Moza Banco carried out a social responsibility initiative this Wednesday at Sikwama Primary School in Matola, where it symbolically presented school kits to pupils from the community and held a financial education session focusing on the importance of saving.

The initiative was held as part of the inauguration of the new Malhampsene Branch and reflects the Bank’s commitment to linking its territorial expansion with value creation in the communities where it operates. For Moza Banco, proximity goes beyond providing financial services; it also means supporting people’s aspirations and contributing to the economic and social development of communities.

The initiative forms part of the “Sonhar o Amanhã” programme, launched in 2023 with the aim of bringing essential knowledge and resources to primary school children in different parts of the country. Through this programme, Moza Banco has been distributing kits containing school and educational materials to vulnerable children, as well as organising educational sessions on saving, financial management and sustainability.

On the occasion, Moza Banco Executive Committee Member Sérgio Ribeiro highlighted the importance of investing in children’s development and promoting financial literacy from an early age. “We believe that financial education should start early, because developing financially aware citizens also means contributing to better-prepared families, more resilient communities and a stronger economy,” he said.

The initiative also sought to contribute to school retention, academic achievement and the strengthening of the financial knowledge of the children involved. For the Bank, the delivery of school kits and the sharing of knowledge represent a tangible way of transforming the inauguration of the new branch into an occasion for joint celebration with the community.

Moza Banco thanked the management of Sikwama Primary School and the local authorities for their welcome and support in making the initiative possible, reaffirming its commitment to continuing to develop initiatives that contribute to the economic and social progress of the communities in which it operates.

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Moza Banco has officially inaugurated its Malhampsene Branch in the Municipality of Matola, strengthening its presence in one of the most economically and commercially dynamic areas of Greater Maputo and bringing the total number of business units across the country to 62.

The ceremony, held this Wednesday, was presided over by Julio Parruque, President of the Matola Municipal Council, and attended by members of the Executive Committee, the Bank’s senior management and customers. The event formally presented the investment to the local authorities and community, following the branch’s commencement of operations, further consolidating Moza Banco’s position as the institution with the third-largest banking branch network in Mozambique.

On the occasion, Executive Committee Member Sérgio Ribeiro highlighted the strategic significance of the opening: “Being close to our customers means more than simply providing banking services. It means understanding people’s needs, supporting their projects and creating the conditions for families, entrepreneurs and businesses to turn their ambitions into reality. The Malhampsene Branch embodies precisely this commitment to proximity, trust and value creation within the community.”

The new branch features a customer service area designed to meet the needs of individuals, entrepreneurs and businesses. It forms part of a broader growth strategy that combines the expansion of the physical network with an advanced digital transformation process. The Bank has been investing continuously in improving its digital solutions, with the aim of providing customers with greater convenience, flexibility and security in their day-to-day transactions.

The inauguration comes at a particularly positive time for the institution, which recently announced favourable results for the first half of 2026, further strengthening signs of sustained growth and consolidation in Mozambique’s financial market.

As part of the inauguration, Moza Banco also carried out a social responsibility initiative at Sidwava Primary School, delivering school kits, distributing savings books and conducting a financial literacy session. The initiative forms part of the Sonhar o Amanhã programme, launched in 2023, whose mission is to provide essential knowledge and resources to thousands of vulnerable primary school children across the country, teaching them from an early age the fundamental principles of saving, budgeting and financial management.

With this inauguration, Moza Banco reaffirms its commitment to continuing to invest, grow and remain closer to Mozambicans, creating opportunities, supporting people’s aspirations and contributing to the economic and social development of the communities in which it operates.

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Moza Banco and Fundação Dom Cabral hosted a high-level debate this Wednesday in Maputo under the theme “How to Finance Mozambique’s Growth: The Role of the Development Bank and Commercial Banking”, bringing together representatives from the financial, business and academic sectors, as well as development partners, for a strategic discussion on the challenges and opportunities of financing the country’s economic growth.
The event provided an open platform for dialogue on the role of the various stakeholders in mobilising resources for productive investment, highlighting the need for closer coordination between the Government, commercial banks, the future Development Bank, the private sector and international development partners.

In his opening remarks, Professor Carlos Braga shared international experiences on development banks, emphasising that such institutions can play a decisive role in economic transformation when founded on sound governance principles, financial sustainability and complementarity with the existing financial system.
The panel discussion, moderated by Moza Banco’s Chairman of the Board of Directors, Henrique Cossa, featured Manuel Soares, João Macaringue, Omar Mithá and Olamide Harrison. The panellists examined the main constraints to financing economic growth in Mozambique and shared perspectives on solutions capable of accelerating investment, productivity and the competitiveness of the national economy.

Throughout the discussion, participants agreed on the importance of strengthening long-term financing mechanisms, supporting private sector development and creating the conditions necessary to transform the country’s economic potential into sustainable and inclusive growth.
On the occasion, Moza Banco and Fundação Dom Cabral also symbolically signed the renewal of the Memorandum of Understanding between the two institutions, reinforcing their joint commitment to leadership development, business capacity building and the promotion of initiatives that contribute to Mozambique’s economic growth.

The event also formed part of the celebrations marking Moza Banco’s 18th anniversary, highlighted by the presentation of a corporate video showcasing the institution’s key milestones, growth and transformation throughout its history.
For Moza Banco, the country’s sustainable development requires not only access to finance but also platforms for reflection that foster practical solutions to national economic challenges. In this context, the Bank reaffirms its commitment to promoting initiatives that strengthen the private sector, enhance knowledge and contribute to building a more dynamic, inclusive and resilient economy.

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Moza Banco Reaffirms Its Commitment to the Promotion of Mozambican Culture and Intellectual Thought

Written by Crimildo Matola, has been awarded the 8th Fernando Leite Couto Literary Prize. The winner was announced during a ceremony held at the premises of the Fundação Fernando Leite Couto in Maputo.

Dedicated to the literary genre of prose, the 2026 edition brought together five shortlisted works from different parts of the country, demonstrating the vitality of Mozambican literary creation and the emergence of new voices capable of enriching the nation’s cultural heritage through literature.

Established by the Fundação Fernando Leite Couto, with the support of Moza Banco, the Portugal–Mozambique Chamber of Commerce and the Municipality of Óbidos, Portugal, the Prize has established itself as one of the most significant platforms for encouraging literary production in the Portuguese language, contributing to the discovery, recognition and international visibility of Mozambican authors.

On the occasion, Manuel Soares, Chief Executive Officer of Moza Banco, highlighted the role of literature in shaping collective identity and strengthening critical thinking, stressing the importance of continuing to create opportunities for emerging writers to develop and share their talent.

“Literature is more than artistic expression. It is memory, identity and a way of interpreting the world. Through literature, stories are preserved, experiences are recorded, and new perspectives on reality and the future are created. At Moza Banco, we deeply recognise and value this contribution, which is why we reaffirm our commitment to initiatives that promote talent, creativity and critical thinking, particularly among younger generations,” said Manuel Soares.

As a longstanding partner of the Fundação Fernando Leite Couto, Moza Banco has consistently supported initiatives that promote the arts, literature and culture, believing that Mozambique’s sustainable development also depends on strengthening intellectual production, creativity and knowledge.

In congratulating Crimildo Matola on winning this year’s edition, Moza Banco also extends its congratulations to all the finalists and to the Fundação Fernando Leite Couto for its continued work in promoting Mozambican literature and creating spaces that encourage intellectual debate, reflection and the appreciation of the country’s cultural heritage.

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