Banking in Sub-Saharan Africa: a Strategic Market Review Vol 5 Zambia
Searching Finance, May 2011, Pages: 52
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 statistics (Sources: FinScope, Drumbeat Database)
3.4. Demographic trends and customer behaviours with LSM analysis
4. Competitive Analysis
4.1 Key players market positions
4.1.1. Barclays Bank Zambia
4.1.2. Standard Chartered Bank Zambia
4.1.3. Zambia National Commercial Bank
4.1.4. Stanbic Bank Zambia Ltd.
4.1.5. Citibank Zambia Ltd.
4.1.6. Finance Bank Zambia Ltd.
4.1.7. Indo-Zambia Bank Ltd.
4.1.8. Bank of China Zambia Ltd.
4.2. Analysis of product and services offerings
4.3 Other developments in the Zambian 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. Barclays Bank Zambia
5.2.2. Standard Chartered Bank Zambia
5.2.3. Zambia National Commercial Bank (ZNCB, Zanaco)
5.2.4. Stanbic Bank Zambia Ltd.
5.2.5. Citibank Zambia Ltd.
5.2.6. Finance Bank Zambia Ltd.
5.2.7. Indo-Zambia Bank Ltd.
5.2.8. Bank of China (Zambia) Ltd.
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 Zambia banking market structure
6.2.2. Zambia market strategy
6.3. Products and market segmentation analysis
Executive Summary
Maris Strategies’ market perspective
Economic indicators
Strategic recommendations
Tables and Figures
Table 3.1LSM definitions
Table 3.2Overall LSM analysis (2009)
Table 3.3 Zambia: Deposits (2009)
Table 3.4 Zambia: Lending (2009)
Table 3.5 Zambia: Investments (2009)
Table 3.7 Zambia: Preferred payment methods (2009)
Table 3.8 Zambia: Financial intermediaries (2009)
Table 4.1 Zambia: Key players offerings overview*(2009)
Table 4.2 Zambia: 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 Zambia’s market segments (2009)
Table 6.2 Market share opportunities in Zambia’s market segments (2009)
Table 6.3 Zambia: Sources of income
Table 6.4 Zambia: Respondent working status, type of employment and occupation
Figure 3.1 Reasons for not having bank account (2009)
Figure 3.2 Use of loans (mainly for consumption) (2009)
Figure 3.3 Socio-economic pyramid (population aged 16+)
Figure 4.1 Zambia: Key player analysis by market share (2009)
Figure 4.2 Zambia: Key player analysis by asset size (2009)
Figure 6.1 Banked status of Zambia’s population (aged over 16) (2009)
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