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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. -
Mozambique Zambia South Africa Zimbabwe Tanzania
UNITED NATIONS MOZAMBIQUE Geospatial 30°E 35°E 40°E L a k UNITED REPUBLIC OF 10°S e 10°S Chinsali M a l a w TANZANIA Palma i Mocimboa da Praia R ovuma Mueda ^! Lua Mecula pu la ZAMBIA L a Quissanga k e NIASSA N Metangula y CABO DELGADO a Chiconono DEM. REP. OF s a Ancuabe Pemba THE CONGO Lichinga Montepuez Marrupa Chipata MALAWI Maúa Lilongwe Namuno Namapa a ^! gw n Mandimba Memba a io u Vila úr L L Mecubúri Nacala Kabwe Gamito Cuamba Vila Ribáué MecontaMonapo Mossuril Fingoè FurancungoCoutinho ^! Nampula 15°S Vila ^! 15°S Lago de NAMPULA TETE Junqueiro ^! Lusaka ZumboCahora Bassa Murrupula Mogincual K Nametil o afu ezi Namarrói Erego e b Mágoè Tete GiléL am i Z Moatize Milange g Angoche Lugela o Z n l a h m a bez e i ZAMBEZIA Vila n azoe Changara da Moma n M a Lake Chemba Morrumbala Maganja Bindura Guro h Kariba Pebane C Namacurra e Chinhoyi Harare Vila Quelimane u ^! Fontes iq Marondera Mopeia Marromeu b am Inhaminga Velha oz P M úngu Chinde Be ni n è SOFALA t of ManicaChimoio o o o o o o o o o o o o o o o gh ZIMBABWE o Bi Mutare Sussundenga Dondo Gweru Masvingo Beira I NDI A N Bulawayo Chibabava 20°S 20°S Espungabera Nova OCE A N Mambone Gwanda MANICA e Sav Inhassôro Vilanculos Chicualacuala Mabote Mapai INHAMBANE Lim Massinga p o p GAZA o Morrumbene Homoíne Massingir Panda ^! National capital SOUTH Inhambane Administrative capital Polokwane Guijá Inharrime Town, village o Chibuto Major airport Magude MaciaManjacazeQuissico International boundary AFRICA Administrative boundary MAPUTO Xai-Xai 25°S Nelspruit Main road 25°S Moamba Manhiça Railway Pretoria MatolaMaputo ^! ^! 0 100 200km Mbabane^!Namaacha Boane 0 50 100mi !\ Bela Johannesburg Lobamba Vista ESWATINI Map No. -
Kabwe, Zambia
Mortimer Hays-Brandeis Traveling Fellowship Final Report, Hrvoje Slovene House Secrets: Industrial Tales in one of the World's Most Contaminated Cities: Kabwe, Zambia For the past five years, my primary focus in photography has been to document abandoned, nineteenth-century factories and industrial spaces, as well as to show the irreparable damage modem industrialism has had on the global environment and its population. By photographing the devastating effects on local neighborhoods wrought by factories and industry, my intention has been to show how seemingly isolated problems have contributed to the global environmental crisis we are witnessing today. To date this project has taken me to Manchester, England-the birthplace of the industrial revolution; to Cleveland, Ohio; and Zagreb, Croatia. With the generous help of the Mortimer Hays- Brandeis Traveling Fellowship, I expanded this project to include Kabwe, Zambia. The mining of lead there by a Chinese-based company continues to put the population of hundreds of thousands at serious risk. Through my photographs, I showed the impact of modem industrialism on the real, day-to-day experiences of people and their industrialized habitats. Although my original intention was to visit and document the effects oflead pollution in Kabwe, Zambia; Linfen, China; and Dzerzhinsk, Russia, I found a plethora of material in Zambia, and spent the majority of my time there. I first visited Kabwe in June 2007 and stayed there for three months. During that time I got in touch with local NGOs and familiarized myself with their work on the field. During that time I also became aware of the scale of the lead pollution problem on the location. -
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. -
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 ............................................................................................................................... -
A History of Mining in Broken Hill (Kabwe): 1902-1929 Buzandi Mufinda
A HISTORY OF MINING IN BROKEN HILL (KABWE): 1902-1929 BY BUZANDI MUFINDA THIS THESIS HAS BEEN SUBMITTED IN ACCORDANCE WITH THE REQUIREMENTS FOR THE DEGREE OF MASTER OF ARTS IN THE FACULTY OF THE HUMANITIES, FOR THE CENTRE FOR AFRICA STUDIES AT THE UNIVERSITY OF THE FREE STATE. FEBRUARY 2015 SUPERVISOR: PROF. I.R. PHIMISTER CO-SUPERVISOR: DR L. KOORTS DECLARATION I declare that the dissertation hereby submitted by me for the Master of Arts degree at the University of the Free State is my own independent work and has not previously been submitted by me at another university/faculty. I furthermore cede copyright of the dissertation in favour of the University of the Free State. Buzandi Mufinda i DEDICATION I dedicate this work to the memory of my late parents, Edward Mufinda, and Rosemary Mufinda, and to my niece Chipego Munene and hope one day she might follow in the footsteps of academia. ii ACKNOWLEDGEMENTS Glory is to the enabling power of the Almighty God whose hand has worked through many ways to make it possible for me to accomplish this study. I would like to express my sincere appreciation to my supervisor, Professor Ian Phimister, for the patient guidance, encouragement and advice he has provided throughout my time as his student. I have been extremely lucky to have a supervisor who cared so much about my work, and who responded to my questions and queries so promptly. To Doctor Lindie Koorts, your expertise in structuring and editing of this work continually amazed me. Thank you also for your moral support. -
Environmental Project Brief
Public Disclosure Authorized IMPROVED RURAL CONNECTIVITY Public Disclosure Authorized PROJECT (IRCP) REHABILITATION OF PRIMARY FEEDER ROADS IN EASTERN PROVINCE Public Disclosure Authorized ENVIRONMENTAL PROJECT BRIEF September 2020 SUBMITTED BY EASTCONSULT/DASAN CONSULT - JV Public Disclosure Authorized Improved Rural Connectivity Project Environmental Project Brief for the Rehabilitation of Primary Feeder Roads in Eastern Province Improved Rural Connectivity Project (IRCP) Rehabilitation of Primary Feeder Roads in Eastern Province EXECUTIVE SUMMARY The Government of the Republic Zambia (GRZ) is seeking to increase efficiency and effectiveness of the management and maintenance of the of the Primary Feeder Roads (PFR) network. This is further motivated by the recognition that the road network constitutes the single largest asset owned by the Government, and a less than optimal system of the management and maintenance of that asset generally results in huge losses for the national economy. In order to ensure management and maintenance of the PFR, the government is introducing the OPRC concept. The OPRC is a concept is a contracting approach in which the service provider is paid not for ‘inputs’ but rather for the results of the work executed under the contract i.e. the service provider’s performance under the contract. The initial phase of the project, supported by the World Bank will be implementing the Improved Rural Connectivity Project (IRCP) in some selected districts of Central, Eastern, Northern, Luapula, Southern and Muchinga Provinces. The project will be implemented in Eastern Province for a period of five (5) years from 2020 to 2025 using the Output and Performance Road Contract (OPRC) approach. GRZ thus intends to roll out the OPRC on the PFR Network covering a total of 14,333Kms country-wide. -
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. -
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. -
Agrarian Changes in the Nyimba District of Zambia
7 Agrarian changes in the Nyimba District of Zambia Davison J Gumbo, Kondwani Y Mumba, Moka M Kaliwile, Kaala B Moombe and Tiza I Mfuni Summary Over the past decade issues pertaining to land sharing/land sparing have gained some space in the debate on the study of land-use strategies and their associated impacts at landscape level. State and non-state actors have, through their interests and actions, triggered changes at the landscape level and this report is a synthesis of some of the main findings and contributions of a scoping study carried out in Zambia as part of CIFOR’s Agrarian Change Project. It focuses on findings in three villages located in the Nyimba District. The villages are located on a high (Chipembe) to low (Muzenje) agricultural land-use gradient. Nyimba District, which is located in the country’s agriculturally productive Eastern Province, was selected through a two-stage process, which also considered another district, Mpika, located in Zambia’s Muchinga Province. The aim was to find a landscape in Zambia that would provide much needed insights into how globally conceived land-use strategies (e.g. land-sharing/land-sparing trajectories) manifest locally, and how they interact with other change processes once they are embedded in local histories, culture, and political and market dynamics. Nyimba District, with its history of concentrated and rigorous policy support in terms of agricultural intensification over different epochs, presents Zambian smallholder farmers as victims and benefactors of policy pronouncements. This chapter shows Agrarian changes in the Nyimba District of Zambia • 235 the impact of such policies on the use of forests and other lands, with agriculture at the epicenter. -
Report on the Finance Fair C
1 REPORT ON THE 2016 FINANCE FAIRS HELD IN CHIPATA AND CHOMA INTRODUCTION The Finance Fairs took place from the 25-26th August at Chipata Golf Club and the Choma Fair 13-14th October at the Choma ZNS Stadium. The fairs consisted of a number of activities which include exhibitions, workshops, Match making and awards. Each of these categories involved active participation of the small scale farmers. Prior to the Finance Fairs, training on Business Planning was held and participants were mentored on development of the Business Plans. The Business Plans were presented to the Financial Institutions present at the Fair. ATTENDANCE The Chipata Finance Fair had 14 Organisations participating and 572 farmers and Individuals coming through to the event. The Choma Fair had 17 Organisations participating and a total of 826 farmers coming through on the first day and 446 farmers coming through on the second day. Breakdown of Participants at the Finance Fair No. Name Location Dates Male Female Female Participants Participants Participan Participant Participant Total event % from from ts from s from s from number Farmers’ Companies Governm NGOs/ other participants Organisation ent developm organisatio s ent ns agencies 1 Chipata Chipata 25/8/2016 - 350 212 38% 538 20 10 2 2 572 Finance Fair 26/8/2016 - Day 1 & 2 2 Choma Choma 13/10/2016 541 285 35% 773 30 14 5 4 826 Finance Fairn - Day 1 3 Choma Choma 14/10/2016 288 148 34% 396 27 14 5 4 446 Finance Fair - Day 2 The Choma Fair had a higher attendance in terms of participating organisations and the farmers attendance in general.