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Banking in Sub-Saharan Africa: a Strategic Market Review Vol 3 Mozambique

Banking in Sub-Saharan Africa: a Strategic Market Review is a series of six reports that provide an in-depth analysis of the banking services markets of Botswana, Mozambique, Tanzania, Zambia and Zimbabwe – economies for which reliable information is notoriously difficult to obtain.

Based on primary research and numerous statistical sources, these reports analyse the key demographic and competitive factors to present cohesive and comprehensive sets of strategic and tactical recommendations for both incumbents and entrants looking to develop a competitive edge in the market.

Senior bankers, consultants and industry analysts interested in regional banking markets will find these reports particularly helpful as the information will enable them to optimise/modify their current product and services offerings to suit customer needs, develop operating scenarios with measurable and actionable data, and devise evaluation platforms to measure sector performance.

The reports make it clear that the market for retail banking services in the region is in need of more financial institutions to engage local populations, thus providing a means for people to move into the formal economy. As the market develops and larger regional and supranational institutions enter and expand across sub-Saharan Africa armed with lower operating costs, the viability of existing organisations’ business model rests squarely on a brand identity that offers a clear value proposition to customers. Product development and positioning and consumer price-to-cost ratio are also key to viability. Sustainability will depend on a continuous process of successfully combining top-line growth with bottom-line control. Growth is likely to be multi-dimensional, originating from three key sources: new product growth, new customer growth, and organic growth.
1. Introduction

2. Methodology
2.1. Living Standard Measures
2.2. Linking socio-demographic profiles with competitive data on banking products and services

3. Country Economic Analysis
3.1. Key elements driving the banking sector
3.2. Legal and regulatory framework
3.3 Banking infrastructure
3.4 Demographic trends and customer behaviours with LSM analysis

4. Competitive Analysis
4.1. Key players market positions
4.1.1. Millennium BIM
4.1.2. BCI Fomento
4.1.3. Barclays Bank Mozambique
4.1.4. Standard Bank Mozambique
4.2. Analysis of product and services offerings
4.3. Other developments in the Mozambique market

5. Value Proposition Analysis
5.1. Setting strategic targets with value disciplines
5.2. Mapping key players’ value propositions in the market
5.2.1. Millennium BIM
5.2.2. BCI Fomento
5.2.3. Barclays Bank Mozambique
5.2.4. Standard Bank Mozambique

6. Market and Segmentation Analysis
6.1 Segmentation variables
6.1. 1 Demographic segmentation
6.1.2 Psychographic segmentation
6.1.3 Geographic segmentation
6.1.4 Product–benefit segmentation
6.1.5 Application of demographics
6.2. Demographics combined with competitive data analysis
6.2.1. Mozambique banking market structure
6.2.2. Mozambique market strategy
6.3. Products and market segmentation analysis

Executive Summary
Maris Strategies’ market perspective
Economic indicators
Strategic recommendations

Tables and Figures
Table 3.1 LSM definitions
Table 3.2 Overall LSM analysis (2009)
Table 3.3 Mozambique: Deposits (2009)
Table 3.4 Mozambique: Lending (2009)
Table 3.5 Mozambique: Investments (2009)
Table 3.6 Mozambique: Insurance (2009)
Table 3.7 Mozambique: Preferred payments methods (2009)
Table 3.8 Mozambique: Financial Intermediaries (2009)
Table 4.1 Mozambique: Key players offerings overview
Table 4.2 Mozambique: Overview of competitor financials and key market segments
Table 5.1 Value proposition variables
Table 5.2 Maris Strategies’ perspective on value proposition
Table 6.1 Mozambique’s market segments (2009)
Table 6.2 Market share opportunities in Mozambique’s market segments (2009)
Table 6.3 Mozambique: Cash management
Figure 3.1 Reasons for not having a bank account
Figure 3.2 Socio-economic pyramid (population aged 16+)
Figure 4.1 Mozambique: Key player analysis by market share (2009)
Figure 4.2 Mozambique: Key player analysis by asset size (2009)
Figure 6.1 Banked status of Mozambique’s population (aged over 16)
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