Our value proposition

The successful execution of our strategy will deliver a robust business capable of creating sustainable value for all our stakeholders over the long term.

Unrivalled, African- focused capability

Our on-the-ground capabilities across the 20 countries in which we operate in sub-Saharan Africa, links to international capital and funding pools and a unique partnership with ICBC.

Established franchise with a large, growing client base

Our franchise strength is underpinned by our strong brand, excellent people, a fit-for-purpose branch and ATM network and our modern digital platforms.

Diversified revenue streams

Our businesses and revenue streams are well-diversified across client, sector, product and geography, which provides protection in times of volatility.

Robust capital and liquidity position

Our strong and liquid balance sheet provides flexibility to manage uncertainty, change and growth.

Strong growth prospects

Our prospects for future growth are driven by regional economic fundamentals and increasing financial inclusion and penetration, and opportunities to increase our market shares, particularly in some of the large markets in which we operate where we have relatively small market shares.

Appetite to invest, deliver and partner

We have the resources and appetite to expand on our own and through partnerships and alliances.

Attractive medium-term financial targets

We remain committed to delivering on our medium-term financial targets of sustainable headline earnings growth and an ROE in our target range of 18% to 20%.

Purpose-driven organisation

We are committed to driving sustainable and inclusive growth across Africa.