Curriculum Vitae

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CURRICULUM VITAE PERSONAL INFORMATION SURNAME: HAKUYU. OTHER NAMES: THOMAS. DATE OF BIRTH: 14 SEPTEMBER, 1993. MARITAL STATUS. SINGLE. SEX: MALE. RELIGION: CHRISTIAN. NRC NO: 309582/10/1. NATIONALITY: ZAMBIAN. PLACE OF BIRTH: LUSAKA. CONTACT NO: +260 955 016 788. EMAIL: [email protected] ACADEMIC QUALIFICATION DURATION MULUNDUSHI UNIVERSITY 2012-2016 BACHELOR OF COMMERCE (DEGREE): ACCOUNTING AND FINANCE. FIRM LIGHT SCHOOL 2007-2009 GRADE TWELVE GCE. FIRM LIGHT SCHOOL 2005-2006 JUNIOR SECONDARY CERTIFICATE. PERSONAL SKILLS Computer Literate: Microsoft Word, Microsoft Excel, Microsoft Power Point, Internet Explorer, Access, outlook. Others are Data Analysis using statistical package for the social science (SPSS) and Basic Computer skills like software installation. WORK EXPERIENCE 1) CAVMONT BANK – MAKUMBI BRANCH November 2016 – January 2017 ATM CARD CLERK. DUTIES: - Ordering and Dispatching of ATM Cards. - Attending to walk-in clients. - Assisting with the monthly reports. - Marketing the Banks products. 2) MULTICHOICE ZAMBIA LIMITED - NDOLA BRANCH September 2017 - December 2017. CUSTOMER SERVICE REPRESENTATIVE (CASHIER) DUTIES: - Raising of Cash Sale/Receipts/Invoices for products sold. - Receiving payments and reconciling them with total sales on a daily basis. - Educating customers on products on offer. - Maintain financial accounts by processing customer adjustments. - Resolve customer complaints. - Calculate total payments received during a time period, and reconcile this with total sales. HOBBIES AND INTERESTS - Reading Fiction Novels. - Movies. - Music. - Playing Soccer REFERENCES 1) Mrs. MATIMBA CHIKUBA. 2) Mr. CHERA DERESSA. BRANCH MANAGER. HEAD OF DEPARTMENT. CAVMONT BANK – MAKUMBI BRANCH SCHOOLOFBUSINESSSTUDIES P.O BOX 38474 MULUNGUSHI UNIVERSITY. PIZIYA OFFICE PARK. P.O BOX 80415. THABO MBEKI ROAD. KABWE. LUSAKA. [email protected] CELL: +260 973 44 00 00 CELL: + 260 976 17 51 20 2) Mrs. GABRIELLE MUKUWA. BRANCH CORDINATOR. MULTICHOICE ZAMBIA LIMITED. NDOLA BRANCH. KAFUBU MALL. PRESIDENT AVENUE ROAD. COPPERBELT. NDOLA. [email protected] CELL: +260 969 30 31 10 .

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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.
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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.
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Social Protection Payments Delivery
Social protection payments delivery Laura Rawlings & Luz Rodriguez Social Safety Net Core Course May 7th, 2018 Objectives of a Payment System • Successfully distribute the correct amount of benefits to the right people at the right time and frequency while minimizing costs to both the program and the beneficiary • Facilitate financial inclusion Payments are quickly evolving from manual to digital Who is manual and who is digital? COUNTRY PROGRAM # BENEF. PAYMENT METHOD PAYMENT SERVICE PROVIDER FREQUENCY OF PAYMENT BANGLADESH EGPP 1.4 M MANUAL - CASH Ministry of Disaster 16 Management and Relief NEPAL Seniors Citizens Allowance 922 K MANUAL - CASH Ministry of Federal Affairs and 3 Local Development ROMANIA Universal Child Allowance 2.1 M MANUAL - CASH Post Office 12 1.6 M DIGITAL Commercial Bank TURKEY Sartli Egitim Yardimi 1.9 M DIGITAL – DEBIT CARD Post Office 6 ETHIOPIA PSSN Urban 5.5 M DIGITAL Commercial Bank 12 2.4 M DIGITAL- MOBILE M-Bir and Hello Cash PAYMENT PSSN Rural 600 K DIGITAL – DEBIT CARD Commercial Bank DOMINICAN REP. PROSOLI 756 K DIGITAL – DEBIT CARD Commercial Banks Consortium 4 HONDURAS Bono Vida Mejor 240 K MANUAL - CASH State Bank – Banadesa 3 PERU Juntos 1.7 M DIGITAL – DEBIT CARD State Bank-Banco de la Nacion 6 MEXICO PROSPERA 1.2 M DIGITAL – DEBIT CARD State Bank - Bansefi 6 4.9 M DIGITAL – CARD WITH State Bank – Bansefi and agents CHIP (BIOMETRIC) network (Diconsa) Who is manual and who is digital? COUNTRY PROGRAM # BENEF. PAYMENT METHOD PAYMENT SERVICE PROVIDER FREQUENCY OF PAYMENT JAMAICA PATH 375 k MANUAL -
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Media Release 06 August 2020 Access Bank Zambia and Cavmont
Media Release 06 August 2020 Access Bank Zambia and Cavmont Capital Holdings Zambia sign agreement to merge Cavmont Bank with Access Bank Zambia Complementary transaction that combines Access Bank’s wholesale finance capabilities with Cavmont Bank’s retail and commercial banking operations Lusaka – Access Bank Zambia Ltd and Cavmont Capital Holdings Zambia Plc (“CCHZ”) announce that they have signed a definitive agreement regarding a proposed merger of Access Bank Zambia and Cavmont Bank, a subsidiary of CCHZ. Once implemented, the combined bank is expected to boast a strong capital base, in excess of ZMW600 million, significantly exceeding the capital requirement for foreign owned banks under the regulations of the Bank of Zambia. This robust capital structure will not only ensure the banks’ customer deposit base benefits from the greater security but also form the foundation for sustainable banking operations and future growth. The transaction is expected to close during the fourth quarter of 2020 subject to the meeting of various conditions precedent which, amongst others, include CCHZ shareholder approval, relevant regulatory approvals and the local and regional competition commission authorities. The key highlights of the proposed transaction are as follows: A complementary transaction that combines Access Bank Zambia’s wholesale and trade finance capabilities with Cavmont Bank’s retail and commercial banking operations. Access Bank Zambia and Cavmont Bank customers to benefit from greater security offered by one of the most capitalised banks in the country, a more sophisticated product and service offering and a broader geographical network. Following the legal merger of the two banks, the enlarged entity will be a majority owned subsidiary of Access Bank Plc.
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Annex Iv: Banking in the Republic of Zambia
© Shutterstock.com ANNEX IV: BANKING IN THE REPUBLIC OF ZAMBIA Issuing authority: Bank of Zambia The Bank of Zambia Bank Square, Cairo Road P.O. Box 30080 Lusaka http://www.boz.zm a) Foreign exchange control processes b) Banking The Zambian currency is the Kwacha. The Kwacha rates The Bank of Zambia aims to provide excellent banking can fluctuate significantly. The Republic of Zambia has a services to its clients. It fulfils the following functions free market economy with no exchange controls. Major through the banking division: currencies can be bought and sold over the counter at I. Banker to the government bureau de change companies and banks in the country. II. Banker to commercial banks Money exchange services are available in cities and towns across the country and most will publish their Kwacha III. Settlement agent. exchange rates in-store. c) Currency management Exchange rates will vary from day to day, so ensure that you use a credible service provider; select the type of The Bank of Zambia has the sole right to issue bank notes service you are looking for and relevant companies will be and coins in the country. Its key role is to gain and main- presented. Bank accounts may be held in local or foreign tain public confidence in the currency. Subsequently, the currency, and funds are easily transferred out of the currency division is responsible for the designing and country or held offshore. Amounts of more than $5,000, ordering of banknotes and coins to meet the country’s carried in or out in cash or traveller’s cheques, must be demand.
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Southern African Development Community Payment System Integration Project
Southern African Development Community Payment System Integration Project SADC Integrated Regional Electronic Settlement System List of Participants as at April 2020 Number of Participants April 2020 Central Banks 7 Commercial 77 Total 84 Participants per country Country Participants Angola 1. Banco Angolano de Investimentos S.A. 2. Credisul-Banco de Credito do Sul S.A. 3. Banco de Negỏcios Internacional S.A. 4. Banco Prestígio SA Botswana 1. First National Bank of Botswana Pty Ltd 2. Stanbic Bank Botswana Limited 1 Country Participants Democratic Republic of Congo 1. Rawbank CD 1. Central Bank of Eswatini Eswatini 2. First National Bank of Eswatini 3. Nedbank Eswatini Limited 4. Standard Bank Eswatini Limited 5. Eswatini Development and Savings Bank Lesotho 1. Central Bank of Lesotho 2. First National Bank of Lesotho Limited 3. Lesotho Post Bank 4. Nedbank Lesotho Limited 5. Standard Lesotho Bank Madagascar No Participants yet 2 Country Participants 1. CDH Investment Bank Limited Malawi 2. Ecobank Malawi Limited 3. FDH Financial Holdings 4. First Merchant Bank Limited 5. National Bank of Malawi 6. NBS Bank Limited 7. New Finance Bank Malawi Limited 8. Reserve Bank of Malawi 9. Standard Bank Limited – Malawi 10. Opportunity Bank of Malawi Mauritius 1. Absa Bank Mauritius Limited 2. The Mauritius Commercial Bank Limited 3. Standard Bank Mauritius Limited 4. Standard Chartered Bank Mauritius Limited Mozambique 1. Barclays Bank Mocambique SA 2. FNB Mocambique SA 3. Banco Mais-Banco Mocambicano de Apoio aos Investimentos SA 4. Mozabanco SA 5. Standard Bank Mozambique SA 6. Banco Unico SA 3 Country Participants Namibia 1. Bank Windhoek Limited 2.
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Our Value Creation Summary 2020
Our Value Creation Summary 2020 About this summary The Capricorn Group’s 2020 performance summary provides a brief overview of the financial year from 1 July 2019 to 30 June 2020. We include a short profile of the Group and explain what happened this year – and how we acted as Connectors of Positive Change. When we refer to the Group in this summary, we mean Capricorn Group’s financial services operations in Namibia, Botswana and Zambia. These operations are primarily focused on banking, insurance, wealth and asset management, microfinance and telecommunications. The purpose of this summary is to keep our stakeholders informed and to respond to their request for a quick read version of the integrated report. This summary does not replace our full integrated report and annual financial statements. It is an extract from the 2020 Integrated Annual Report approved by the board on 15 September 2020. Any forward-looking statements in this summary are uncertain and your investment or engagement decisions should not be based on these. We welcome feedback from our stakeholders and would like to answer any further questions. Make contact with Marlize Horn on [email protected] or +264 (61) 299 1226. For our full integrated report, the full financial statements and more detail on all aspects included in this summary, please go to www.capricorn.com.na. This year has been one in which we learned to embrace change in a new way. We stepped into roles and shoes that none of us anticipated. No matter what we faced, we made connections, we made a difference and took our responsibility as Capricorn citizens seriously.
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2020 Integrated Annual Report 2020 INTEGRATED ANNUAL REPORT 2020 INTEGRATED GROUP at a GLANCE We Are Capricorn
2020 Integrated Annual Report 2020 INTEGRATED ANNUAL REPORT 2020 INTEGRATED THE CAPRICORN BRAND STORY From the beginning, the stars have filled Africans with wonder. Our ancestors did not just gaze upon their beauty as they stared up at the night sky. They used the constellations of stars for the measurement of time, seasons, cycles, and direction. One such constellation is Capricornus, called by ancient people “the southern gate of the sun”. It is from this constellation that the Tropic of Capricorn got its name many centuries ago, when the sun was in the Capricornus constellation at the time of the southern solstice. All lines of latitude have geographical relevance, but to the people of southern Africa, the Tropic of Capricorn is more. Spanning across the centre of Namibia, it ties together the lands of southern Africa, receiving the brightest rays of the sun on the summer solstice. It signals the time of abundance with flourishing offerings from nature. We took our inspiration from the Tropic of Capricorn, the band that symbolised abundance and created positive change for the people. Creating positive change is what every single member of our organisation strives to achieve every day. To find innovative ways in which to bring together our customers and their aspirations. We passionately believe that by connecting the people of this region to opportunity and prosperity, we can help taking the region closer to GROUP A GLANCE AT realising its greatest self. Our humble beginnings in Windhoek were born out of a tenacious spirit of entrepreneurship. Since then, our journey has led us on a path of achievements, growing us beyond Windhoek and Namibia.
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March 2019 – Ndola Sessions
IN THE SUPREME COURT OF ZAMBIA HOLDEN AT NDOLA ON 5th MARCH 2019. (APPELLATE JURISDICTION) THE HON. CHIEF JUSTICE LADY JUSTICE I. C MAMBILIMA THE HON. LADY JUSTICE E.C. MUYOVWE - SUPREME COURT JUDGE THE HON. MR. JUSTICE E.M. HAMAUNDU - SUPREME COURT JUDGE THE HON. MR. JUSTICE A.M. WOOD- SUPREME COURT JUDGE THE HON. MR. JUSTICE M. MALILA - SUPREME COURT JUDGE THE HON. LADY JUSTICE R.M.C. KAOMA - SUPREME COURT JUDGE THE HON. MR JUSTICE C. KAJIMANGA - SUPREME COURT JUDGE THE HON MR JUSTICE M.C. MUSONDA - SUPREME COURT JUDGE THE HON LADY JUSTICE J.K. KABUKA – SUPREME COURT JUDGE THE HON MR JUSTICE N.K. MUTUNA – SUPREME COURT JUDGE THE HON MR JUSTICE J. CHINYAMA – SUPREME COURT JUDGE CAUSE LIST BEFORE JUDGES TO BE NAMED LATER NEW CRIMINAL CASES 1. Appeal No. 190/2017 Chipata High Court Edyson Mbewe Original Jurisdiction 21st April 2016 3 Counts Aggravated Robbery c/s 294 (2) cap 87 Death Appeal against conviction and sentence 2. Appeal No. 205/2017 Mongu High Court Martin Sitwala Lubasi Original Jurisdiction 24th April 2014 Smuggling of Persons c/s 9(a)(2) of the Anti-Human Trafficking Act No. 11 of 2008 15 years I.H.L Appeal against conviction and sentence 3. Appeal No. 227/2017 Livingstone High Court 1 Oliver Mushimata Muda Original Jurisdiction 30th October 2013 Aggravated Robbery c/s 294(1) cap 87 15 years I.H.L Appeal against conviction and sentence 4. Appeal No. Kabwe High Court 230,231,232/2017 Original Jurisdiction Darius Chanda Nkole 27th November 2015 Francis Kaluba Aggravated Robbery c/s 294 cap 87 Zanta Kabangabanga Life Imprisonment Appeal against conviction and sentence 5.
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2018 Capricorn Group Performance Summary
OUR PERFORMANCE SUMMARY FOR 2018 I II TOTAL COMPREHENSIVE ARS LIST Performance summary YE ED E INCOME V O I N Despite Capricorn Group facing a new, low growth economic reality, the group F delivered solid results in the past financial year. In this environment, our +5.9% strategic choices guide us to find opportunity in a regional approach, new to N$986M N products and service offerings, while achieving operational excellence and CONNECTORS OF E A M G increasing integration between the entities in the group. (2017: N$931M) I N B A IA H N X C We made several acquisitions to diversify our revenue streams and reduce POSITIVE CHANGE S TO C K E reliance on interest income. NET ASSET VALUE We continued integration and alignment between the entities in the group. +11% Our group vision and purpose is to be the most trusted and inspiring connector Our foundation is strong: a mature governance framework, embedded risk to N$5.6BN culture and a performance approach guided by The Capricorn Way. of positive change, through a highly relevant, convenient and responsive network (2017: N$5,1BN) Bank Windhoek continued to be a resilient performer, with good growth from of people and channels that enables opportunities to be created, financed, Bank Gaborone and Capricorn Asset Management. Cavmont Bank’s transacted and secured wherever we operate. performance was disappointing, however the group has taken the necessary PROFIT AFTER TAX actions to turn this around. +1.8% We remain committed to being a connector of positive change and creating to N$934M This summary of our 2018 performance provides you with a quick overview of the milestones and opportunities for all our stakeholders to enjoy the benefits of the shared challenges that Capricorn Group faced for the financial year from 1 July 2017 to 30 June 2018.
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Less Than K1,000 More Than K1,000 30 Days Tenure
INTEREST RATES AND BANK CHARGES FOR PERSONAL ACCOUNTS AND OTHER RETAIL ACCOUNTS AS AT 30 SEPTEMBER 2016 AVERAGE INTEREST RATES ON DEPOSITS (EXPRESSED AS ANNUAL RATES) Savings Account (%) Time Deposits of K10,000 or above (%) SNo. BANK More than Less than K1,000 30 Days Tenure 60 Days Tenure 90 Days Tenure 180 Days Tenure 360 Days Tenure K1,000 upto 364 days 17%, 365 days and above 1 AB Bank Zambia Limited 20%, promotion rate 6.00 6.00 9.00 10.00 12.00 14.00 25% 2 Access Bank Zambia Limited 0.00 2.00 16.00 18.00 19.00 20.50 21.50 3 BancABC Zambia Limited 2.00 2.00 21.00 21.00 22.00 23.00 24.50 4 Bank of China Zambia Limited 0.00 0.00 0.10 0.10 0.10 0.20 0.30 5 Barclays Bank Zambia Plc 1.50 various 6.00 NIL 8.00 10.50 12.00 6 Cavmont Bank Limited 3.00 3.00 3.00 4.00 5.00 5.50 8.00 7 Citibank Zambia Limited NIL NIL Max. 14.20 Max. 14.43 Max. 17.22 Max. 19.27 Max. 20.49 8 Ecobank Zambia Limited 3.00 5.00 13.00 14.00 15.00 17.00 19.00 9 Finance Bank Zambia Limited 2.00 2.00 3.00 3.50 4.50 6.00 7.00 10 First Alliance Bank Zambia Limited 3.00 3.00 N/A N/A N/A 6.00 6.00 11 First Capital Bank Zambia Limited 3.00 3.00 12.00 14.00 16.00 18.00 20.00 12 First National Bank Zambia Limited 2.50 2.50 4.00 4.50 5.00 6.00 7.00 3.5% to 4% based on Indo-Zambia Bank Limited 13 Amount slabs 4.50 5.00 5.00 6.00 7.00 8.00 14 Intermarket Banking Limited 8.50 8.50 4.00 4.95 5.25 5.85 9.75 15 Investrust Bank Plc 3.00 3.00 5.00 7.00 8.00 9.50 10.50 16 Stanbic Bank Zambia Limited NIL 1.50 16.00 18.00 19.00 20.50 21.50 17 Standard Chartered Bank Zambia Plc 1.00 2.00 13.00 15.50 16.00 18.00 20.00 18 United Bank for Africa (Z) Limited 3.00 3.00 9.00 10.00 11.00 12.00 15.00 Zambia National Commercial Bank Plc 19 2.00 2.00 2.00 3.00 3.50 4.50 6.00 INTEREST RATES AND BANK CHARGES FOR PERSONAL ACCOUNTS AND OTHER RETAIL ACCOUNTS AS AT 30 SEPTEMBER 2016 LENDING INTEREST RATES (EXPRESSED AS ANNUAL RATES ) PERSONAL LOANS (%) MORTGAGE LOANS (%) LENDING TO SMEs (%) BOZ Policy Rate (BPR Salary Backed Other Loans SNo.
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Access the Repository
REGENT BUSINESS SCHOOL Data Base of all Research and Research Presentations and Allied Research Activities conducted by the REGENT Business School’s Directorate of Research and Innovation for the period 2002 to December 2016: A REPOSITORY OF ALL RESEARCH CONDUCTED AND UNDERTAKEN 1. INTRODUCTION Humble beginnings by REGENT Business School in Respect to Research: Advancing the South African Research Agenda Against all Odds in a Sustained, Coordinated and Professional Manner. It is our pleasure to document all of the research and allied activities including journal articles published and, undertaken by the REGENT Business School for the period 2002 to December 2016 (A period of 14 Years). It was a difficult task to assemble the data because, this exercise was conducted for the first time and, some of the data was not easily accessible going back to the year 2002, or was not on record within the school. The initial years saw the school finding its feet and, it was a period when research was at a very rudimentary stage and level of development and engagement. i In spite of the difficulties encountered in assembling the data, it was an exercise and, effort that achieved the desired effect of obtaining the maximum data of most of the research conducted by the institution, including allied research activities, over a period of nearly two decades. It was a grueling exercise and we are happy with our efforts of creating a more than adequate data base for scrutiny by management, staff, and outside organizations and formations, including the regulatory authority in the form of the Council on Higher Education (CHE) and the Department of Higher Education.
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