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MICROFINANCE

AFRICA

AFRICAN BANK INVESTMENT LIMITED SWOT ANALYSIS Strengths  Well established South African presence, with loyal and growing client base  Attractive valuation metrics.  Ability to utilize Ellerines Holdings to grow presence and client base without the additional costs of a branch rollout.  Product expansion to match client requirements i.e. increased loan size and term together with the introduction of credit cards.  Good quality assets and risk evaluation processes

Opportunities  Although African Bank has representative offices in sub-Saharan Africa, this make very little contribution to current earnings, expansion offers African Bank its biggest opportunity.  Product growth for lower earning markets giving additional revenue streams  Optimal utilization of Ellerines clients to enhance loans and advances.  InJoab’s Technologies and Research.tive and game changer products.

Joab’s Technologies and Research, Natu Court Flat B.

Weaknesses  Poor integration and utilization of Ellerines Ho turnaround.  African Bank had the initial advantage in South allowed competitors to overtake them.  Not renowned as an inJoab’s Technologies and Research.tive management t  Previously reactive and not proactive.  Still does not offer a full range of products to e throughout their life.

Threats  Markets competitors who have got first mover market.  Increased competition in sub-Saharan Africa in players.  Increased regulation.  Unsecured lending has additional risks.  Changes in the interest rate environment in So

Equity Research in Africa, Like an Electric Train Africa is picking up, a True Emerging Market  

Economic analysis of Africa as a whole, as well as of particular countries and sectors, with special regard to their potential as investment...

Equity Research in Africa, Like an Electric Train Africa is picking up, a True Emerging Market  

Economic analysis of Africa as a whole, as well as of particular countries and sectors, with special regard to their potential as investment...

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