Schedule Ii - Bank Branch Area Sort Codes
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Full Year 2020 Results Presentation to Investors and Analysts
FULL YEAR 2020 RESULTS PRESENTATION TO INVESTORS AND ANALYSTS Disclaimer The information presented herein is based on sources which Access Bank The information should not be interpreted as advice to customers on the Plc. (the “Bank”) regards dependable. This presentation may contain purchase or sale of specific financial instruments. Access Bank Plc. bears no forward looking statements. These statements concern or may affect future responsibility in any instance for loss which may result from reliance on the matters, such as the Bank’s economic results, business plans and information. strategies, and are based upon the current expectations of the directors. Access Bank Plc. holds copyright to the information, unless expressly They are subject to a number of risks and uncertainties that might cause indicated otherwise or this is self-evident from its nature. Written permission actual results and events to differ materially from the expectations from Access Bank Plc. is required to republish the information on Access expressed in or implied by such forward looking statements. Factors that Bank or to distribute or copy such information. This shall apply regardless of could cause or contribute to differences in current expectations include, but the purpose for which it is to be republished, copied or distributed. Access are not limited to, regulatory developments, competitive conditions, Bank Plc.'s customers may, however, retain the information for their private technological developments and general economic conditions. The Bank use. assumes no responsibility to update any of the forward looking statements contained in this presentation. Transactions with financial instruments by their very nature involve high risk. -
African Markets Revealed
AFRICAN MARKETS REVEALED SEPTEMBER 2020 • Steven Barrow • Ferishka Bharuth • Mulalo Madula • Angeline Moseki • Fausio Mussa • Jibran Qureishi • Dmitry Shishkin • Gbolahan Taiwo www.standardbank.com/research 1 Standard Bank African Markets Revealed September 2020 Recovering, but not out of the woods • The worst of the pandemic will arguably be reflected in Q2:20 GDP growth outcomes. Of the countries in our coverage, we see only a handful of economies escaping recession in 2020. • Economic growth in Q2:20 contracted by 6.1% y/y, 3.3% y/y, and 3.2% y/y in Nigeria, Mozambique and Uganda respectively. The Ghanaian economy too contracted by 3.2% y/y in Q2:20, even worse than the 0.4% y/y contraction that we forecast for our bear scenario in the May edition of this publication. • The more diversified economies and those with large subsistence agriculture sectors could post mild, yet positive, growth in 2020. Most East African countries fall into this bracket. Egypt too might also avoid a technical recession this year. • However, Nigeria, Angola, Zambia and even Botswana, being overly reliant on just a few sectors to drive growth, will most likely contract this year. The only question is by how much? • Tourism-dependent economies will take a hit. We still don’t see any meaningful recovery in tourism until a global vaccine is at hand. The weakness in the tourism sector is mostly a BOP problem rather than a growth problem for many African countries. However, the service value chain that relies on a robust tourism sector too, will most likely weigh down growth in these economies. -
Situation Report Last Updated: 9 Dec 2020
ZAMBIA Situation Report Last updated: 9 Dec 2020 HIGHLIGHTS (9 Dec 2020) The Ministry of Health has confirmed 17,916 COVID- 19 cases and 364 deaths as of 7 December. The number of districts reporting COVID-19 infections had increased from 68 in September to 96, as of 30 November. Education partners report that 16 per cent of nearly 39,000 learners in Eastern and Southern provinces have dropped a reading level during COVID-19 school closures.. The food security situation remains of major concern, Community sensitization on COVID-19 in Chawama Market amid a infestation of the African Migratory Locusts in in Lusaka. Photo: ©UNICEF/Mulikita 14 districts across Central, Southern and Western provinces. Nearly 2 million people are facing severe food insecurity between October 2020 and March 2021, despite increased crop production in most areas. KEY FIGURES FUNDING CONTACTS Laura Hastings 10.1M 6.2M $132.9M $66.2M Humanitarian Affairs Officer, Zambia people in need people targeted requested (May-Oct received [email protected] 2020) Guiomar Pau Sole 27 Head of Communications & Information partners operational 51.7% Management, Regional Office for funded Southern & Eastern Africa [email protected] INTERACTIVE (29 Oct 2020) Emergency Appeal Financial Tracking https://reports.unocha.org/en/country/zambia/ Page 1 of 15 Downloaded: 9 Dec 2020 ZAMBIA Situation Report Last updated: 9 Dec 2020 View this interactive graphic: https://bit.ly/ZambiaAppealFunding BACKGROUND (9 Dec 2020) Situation Overview Since the first case of COVID-19 on 18 March 2020, the Ministry of Health (MOH) has confirmed over 17,916 cases with 364 deaths (case fatality rate of 2 per cent) as of 7 December 2020. -
Cavmont Bank Limited Report and Financial Statements for the Year Ended 30 June 2014
CAVMONT BANK LIMITED REPORT AND FINANCIAL STATEMENTS FOR THE YEAR ENDED 30 JUNE 2014 Cavmont Bank Limited Report and Financial Statements For the year ended 30 June 2014 Table of Contents Page No Directors’ report 1-3 Statement of directors’ responsibilities 4 Report of the independent auditor 5-6 Financial statements: Income statement 7 Statement of Financial Position 8 Statement of Changes in Equity 9-10 Statement of Cash Flows 11 Notes 12-49 Cavmont Bank Limited Directors’ Report For the year ended 30 June 2014 The directors submit their report together with the audited financial statements for the year ended 30 June 2014, which disclose the state of affairs of Cavmont Bank Limited (“the bank”). PRINCIPAL ACTIVITIES The Bank is engaged in the business of banking and the provision of related services. The Bank had 17 branches and 2 Agencies at 30 June 2014. RESULTS AND DIVIDENDS The number of customer accounts of the bank increased from 58,000 as at 30 June 2013 to 63,227 as at 30 June 2014. Loans and advances grew from K235.40 million to K295.82 million in the period. While a positive trend was experienced in expenses, revenues grew faster than costs with monthly losses trending down wards significantly compared to the same time last year. It is also important note that the Bank recorded a profit in the last quarter (three months) of the financial year ended 30 June 2014. Notwithstanding, these positive trends the Bank recorded a loss for the financial year ended 3o June 2014 of K6.726million. -
Fifty Years of the Kasempa District, Zambia 1964 – 2014 Change and Continuity
FIFTY YEARS OF THE KASEMPA DISTRICT, ZAMBIA 1964 – 2014 CHANGE AND CONTINUITY. A case study of the ups and downs within a remote rural Zambian region during the fifty years since Independence. A descriptive analysis of its demography, geography, infrastructure, agricultural practice and present and traditional cultural aspects, including an account on the traditional ceremony of the installation of regional Headmen and the role and functions of the Kaonde clan structure. Dick Jaeger, 2015 [email protected] TABLE OF CONTENTS LIST OF MAPS AND FIGURES...........................................................................................................3 PART I 4 PREFACE – A WORD OF THANKS.....................................................................................................4 INTRODUCTION AND SUMMARY......................................................................................................6 CHAPTER 1. DEMOGRAPHIC CHANGES.......................................................................................10 ZAMBIA.............................................................................................................................10 KASEMPA DISTRICT........................................................................................................10 CHAPTER 2. AGRICULTURE............................................................................................................12 INTRODUCTION...............................................................................................................12 -
Research Report
Research Report Large-scale land acquisitions in Zambia: Evidence to inform policy Jessica Chu and Dimuna Phiri PLAAS Institute for Poverty, Land and Agrarian Studies School of Government • EMS Faculty Research Report Research Report Large-scale land acquisitions in Zambia: Evidence to inform policy Jessica Chu and Dimuna Phiri June 2015 PLAAS Institute for Poverty, Land and Agrarian Studies School of Government • EMS Faculty iii Research Report 50 Large-Scale Land Acquisitions in Zambia: Evidence to inform policy Published by the Institute of Poverty, Land and Agrarian Studies, Faculty of Economic and Management Sciences, University of the Western Cape, Private Bag X17, Bellville 7535, Cape Town, South Africa Tel: +27 21 959 3733 Fax: +27 21 959 3732 Email: [email protected] Institute for Poverty, Land and Agrarian Studies Research Report no. 50 June 2015 All rights reserved. No part of this publication may be reproduced or transmitted in any form or by any means without prior permission from the publisher or the authors. Copy Editor: Glynne Newlands Proof reader: Jennifer Leak Series Editor: Rebecca Pointer Photographs: Darlene Miller Design & Layout: Design for development Typeset in Frutiger Thanks to the Austrian Development Cooperation for supporting this project. Research Report Contents Acronyms v Executive summary 1 1 Introduction 7 2 Methodology 9 3 Background 10 4 Case studies 12 5 Findings and discussion 19 6 Lessons learned 27 7 Conclusion 35 8 Bibliography and sources 37 Large-Scale Land Acquisitions in Zambia: Evidence to -
Chililabombwe District Investment Profile
CHILILABOMBWE DISTRICT INVESTMENT PROFILE WELCOME TO CHILILABOMBWE HOME OF THE CROAKING FROG This profile give you an insight of Chililabombwe District. It demonstrates the investment poetical of the District and the comparative advantages with other Districts in the Province. Chililabombwe is predominantly a mining town. However, the District offers a lot of other economic activities that have high potential for growth. Apart from mining, Chililabombwe has a conducive climate and suitable land for agriculture, fish farming, beekeeping and other agricultural related activities. The District also has potential for Tourism, Small-scale Mining, Infrastructure development, Trade and many others. Therefore, investing in Chililabombwe is one of the wisest business decisions you will make due to the high demand for goods and services in Chililabombwe and Congo DR. Phone: +260977316767 E-mail: [email protected] Facebook: Chililabombwe Municipal Council Sincerely, Christabel M. Mulala Chililabombwe Mayor PO Box 210023 President Avenue Chililabombwe Page | 1 Table of Contents WELCOME TO CHILILABOMBWE ................................................................................................... 1 LIST OF TABLES .................................................................................................................................. 4 LIST OF FIGURES ................................................................................................................................ 4 ABBREVIATIONS ............................................................................................................................... -
Pricing Guide 2021.Pdf
STANBIC BANK ZAMBIA PRICING 2020/2021 TYPE OF TRANSACTION PRIVATE EXECUTIVE ACHIEVER (EVERYDAY CORPORATE COMMERCIAL ENTERPRISE TAMANGA INVOICE DISCOUNTING BANKING) Arrangement Fee 2.5% Secured 5% unsecured ADMINISTRATION Interest rate LCY Customised Montly Management Fees ZMW 330 ZMW 110 ZMW 55 ZMW 200 ZMW 165 ZMW 150 ZMW 100 Interest rate FCY Customised Debit Activity Fees Free Free Free Free Free Free Free DISTRIBUTOR FINANCE Credit Activity Fees Free Free Free Free Free Free Free Arrangement fee 2.5% Secured 5% unsecured Bundle Pricing ZMW 385 ZMW 165 ZMW 87 N/A N/A N/A N/A DEPOSIT Management fee per quarter Customised Local cheque deposit at branch Free Free Free Free Free Free Free Rollover fee Customised Own Bank cheque within clearing area Free Free Free Free Free Free Free Interest rate (ZMW) Customised Own Bank cheque outside clearing area Free Free Free Free Free Free Free Interest rate (USD) Customised Agent Bank cheque within clearing area Free Free Free Free Free Free Free FOREIGN CURRENCY SERVICES Agent Bank cheque outside clearing area Free Free Free Free Free Free Free Purchase of Foreign Exchange Cash Deposit at Branch Free Free Free Free Free Free Free Foreign notes No charge Bulk Cash Deposit Foreign Currency ( Above $50,000) 1% 1% 1% 1% 1% 1% 1% Telegraphic Transfer/SWIFT (inward) US$20 flat WITHDRAWALS Drafts/Bills/Cheques 1.1% min US$40 plus VAT + Foreign charges At branch within K25,000 ATM limit Free Free ZMW 120 N/A N/A N/A N/A Drafts/Bills/Cheques 1.1% min US$40 plus VAT + Foreign charges Own ATM ZMW 9 ZMW 9 ZMW -
A Market Study on Micro Finance Services in Zambia 2014
Agri-ProFocus Zambia A Market Study on Microfinance Services in Zambia A Market Study on Microfinance Services in Zambia FINAL REPORT December 2014 ©Agri-ProFocus Zambia (APF), 2014. All rights reserved. Agri-ProFocus Zambia encourages the use and distribution of material presented in this report provided that the original text is not altered, that the original source is properly and fully acknowledged, and that the objective of redistribution is not for commercial gain. Correct citation. Agri-ProFocus Zambia (APF), 2014. A Market Study on Microfinance Services in Zambia. APF, Lusaka, Zambia. Table of Contents Acknowledgements .................................................................................................................................... IV Executive Summary .................................................................................................................................... V Abbreviations ................................................................................................................................................ VI List of tables ............................................................................................................................................... VII 1.0 Introduction ....................................................................................................................................... 0 1.1 Background to the Study .................................................................................................... 0 1.2 Methodology ................................................................................................................................ -
Africa Digest Vol. 2019-04
Vol. 2019 – 04 Contents 1. Trends on China in Africa ................................................................................ 2 2. Financial Services in Africa ............................................................................. 6 3. Western Companies in Africa .......................................................................... 9 4. Fintech and Mobile Money ............................................................................ 12 5. Linking Africa to the World ............................................................................. 16 1 Vol. 2019 – 04 1. Trends on China in Africa INTRODUCTION China’s presence in Africa is the topic of many papers, articles and arguments. Over the past few years, the Chinese government and its private sector became major players on the continent in trade, investments, and support for African governments. AFRICA China has diversified its sources of energy to meet growing domestic demand. Three of its national oil companies (NOCs) increased their investment in Africa to secure oil supplies, which accounts for almost 30% of their combined international upstream capital spending (capex). Within the next five years, these NOCs are projected to become the fourth highest source of capex in Africa’s upstream sector, after global counterparts BP, Shell and Eni SpA. They will invest US$15 billion in Africa, with two-thirds of their investment going to Nigeria, Angola, Uganda and Mozambique.1 The opportunity for exports from Africa to China presents an interesting counterpoint to China’s investments in Africa. Some commentators suggest that China can narrow its trade surplus with African countries and help them develop more economic growth by importing more value-added products from Africa. China’s consumer market is the world’s largest, and is growing at 16% compared to a US consumer market that is growing at only 2%. Unsurprisingly, private sector companies from Africa are increasingly interested in entering the Chinese market. -
Final Report Final Report Vvolumeolume Iiiii Volume Iii Pre-Femasteraibility Plan Stu Dofy Osub-Programsf Priority Project Pre-Feaibility Study of Priority Project
MINISTRY OF LOCAL GOVERNMENT AND HOUSING (MLGH) LUSAKAMINISTRY CITY OF LOCALCOUNCIL GOVERNMENT (LCC) AND HOUSING (MLGH) LUSAKA CITY COUNCIL (LCC) JAPAN INTERNATIONAL COOPERATION AGENCY (JICA) JAPAN INTERNATIONAL COOPERATION AGENCY (JICA) THE STUDY ON COMPREHENSIVE URBAN DEVELOPMENT PLAN THE STUDY ON COMPREHENSIVEFOR URBAN DEVELOPMENT PLAN THE CITYFOR OF LUSAKA THE CITY OFIN LUSAKA THE REPUBLICIN OF ZAMBIA THE REPUBLIC OF ZAMBIA FINAL REPORT FINAL REPORT VVOLUMEOLUME IIIII VOLUME III PRE-FEMASTERAIBILITY PLAN STU DOFY OSUB-PROGRAMSF PRIORITY PROJECT PRE-FEAIBILITY STUDY OF PRIORITY PROJECT MARCH 2009 MARCH 2009 JAPAN INTERNATIONAL COOPERATION AGENCY JAPAN INTERNATIONAL COOPERATION AGENCY KRI INTERNATIONAL CORP. KRINIPPON INTERNATIONAL KOEI CO., LTD.CORP. JAPAN ENGINEERINGNIPPON KOEI CONSULTANTS CO., LTD. CO., LTD. JAPAN ENGINEERING CONSULTANTS CO., LTD. EXCHANGE RATE USD 1 = ZMK 3,582 = JPY 106.53 ZMK: Average rate of Bank of Zambia, from January 2008 to October 2008 JPY: Average rate of JICA rate, from January 2008 to October 2008 The Study on Comprehensive Urban Development Plan Final Report for the City of Lusaka in the Republic of Zambia Table of Contents The Study on Comprehensive Urban Development Plan for the City of Lusaka in the Republic of Zambia Final Report SUMMARY MAIN REPORT VOLUME I COMPREHENSIVE URBAN DEVELOPMENT PLAN VOLUME II MASTER PLAN OF SUB-PROGRAMS VOLUME III PRE-FEASIBILITY STUDY OF PRIORITY PROJECTS VOLUME II MASTER PLAN OF SUB-PROGRAMS Table of Contents List of Tables List of Figures Abbreviations CHAPTER-1 URBAN -
Group Profile and Structure
GROUP PROFILE AND STRUCTURE WHO WE ARE Capricorn Group at a glance Capricorn Group is a diversified financial services group based in Windhoek, Namibia. We provide strategic guidance, oversight and support to our subsidiaries, whose operations are primarily focused on banking, insurance, wealth and asset management, and finance. Registered as: Capricorn Investment Group Limited 84.3% 100% 29.5% 97.9% Capricorn Investment Sanlam Namibia Cavmont Capital Bank Windhoek Ltd Holdings (Botswana) Ltd Holdings (Pty) Ltd Holdings Zambia PLC 100% 100% 28% 100% Bank Gaborone Ltd Capricorn Asset Santam Namibia Ltd Cavmont Bank Ltd Management (Pty) Ltd BOTSWANA ZAMBIA 100% 30% Capricorn Unit Trust Nimbus Management Company Ltd Infrastructure Ltd Acquired in 2018 100% Namib Bou (Pty) Ltd 100% Capricorn Capital (Pty) Ltd Launched in 2018 55.5% Entrepo Holdings (Pty) Ltd Acquired in 2018 NAMIBIA Epupa Falls, Kaokoveld GROUP PROFILE AND STRUCTURE 15 WHO WE ARE continued A wide spectrum of financial solutions for business clients includes structured finance, working capital finance as well as tailor-made term financing options. Bank Windhoek offers a wide range of treasury services, including money market and foreign currency exchange services. BARONICE HANS Our international banking services comprise foreign payment Managing director products, trade finance and foreign currency accounts. I AM inspired by the dedication, resilience Our bancassurance options include short-term, life, travel and and tenacity of the Bank Windhoek team as commercial insurance, and guarantees. together we translate vision into reality. One of the biggest highlights of the 2019 financial year has been when we became the first commercial bank in southern Africa to issue a green bond and the international recognition we received for WINDHOEK, NAMIBIA winning this year’s Green Bonds Pioneer Award from Climate Bonds.