Sponsors for Educational Opportunity Investment Banking Overview Part 2
Africa opportunity and Banking Focus - Enterprise … opportunity and Banking Focus ... –CORE...
Transcript of Africa opportunity and Banking Focus - Enterprise … opportunity and Banking Focus ... –CORE...
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Africa opportunity and Banking
Focus
Dr Alewyn Burger
Enterprise Ireland meeting
Dublin, April 2013
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Alewyn Burger
• Retired banker (32 years)
• Independent Consultant (Systems, Operations, Payment systems and Business Operating Models)
• Advisor to PwC Financial Services Africa Advisory, based in Johannesburg
• Visiting Professor to University of Stellenbosch Graduate School (IT and Operations Management)
• 10th generation African, 1680 =>…!
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Contents of talk
•Africa business growth
–As seen by various sources
•Current Bank priorities
–Business and Systems
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Africa growth
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Africa : dramatic change
Source : Frontier Advisory
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Source : Mckinsey
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BA Hilife Magazine April 2013
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BA HILIFE
Magazine
April 2013
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“The West must wake up
and change it’s arrogant
attitude to Africa- or it will
be the loser as the youngest
(demographically ) continent
on the globe takes off.
Already it is home to several
of the world’s fastest-
growing economies…”
BA HILIFE
Magazine
April 2013
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Economic Analysis - 2006
North Africa
5 Countries
Total GDP (2006) = $ 360bn
GDP per Capita = $ 2,300
East Africa
11 Countries
Total GDP (2006) = $ 111bn
GDP per Capita = $ 437
West Africa
27 Countries
Total GDP (2006) = $ 292bn
GDP per Capita = $ 743Southern Africa
9 Countries
Total GDP (2006) = $ 299bn
GDP per Capita = $ 2,675
Source: Standard Bank
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Economic Analysis - 2015
North Africa
5 Countries
Total GDP (2015) = $ 524bn
Banking assets = $ 582bn
Banking assets / GDP = 110.9%b
East Africa
11 Countries
Total GDP (2015) = $ 175bn
Banking assets = $ 81bn
Banking Assets / GDP = 46.3%
West Africa
27 Countries
Total GDP (2015) = $ 687bn
Banking assets = $ 177bn
Banking Assets / GDP = 25.8%Southern Africa
9 Countries
Total GDP (2015) = $ 470bn
Banking assets = $ 501bn
Banking Assets / GDP = 106.6%
Source: Standard Bank
GDP per capita not disclosed as there is no
reliable forecast on population numbers per
country in 2015
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Executive summary PwC
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Executive summary PwC
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Executive Summary PwC
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Executive summary PwC
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PwC
Finacle universal banking solution
21
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Heat map
• Front
– Smaller branches
– bank@ work
– Focus on Business banking (not personal)
– Card-less cash-out at ATM’s
– Mobile remittance/wallets/payments
– Messaging and alerts
– Mobile agents
– Remote customer acquisition
December 2012 Finacle Joint Value proposition Slide 22
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Heat Map
• Customer– CIF/CRM
– Customer Analytics
– Segment Mining
– Flexible pricing capability
• Product: Islamic banking
• Risk & Credit– KYC, AML, REGS, Compliance, FATCA, BASEL2/3
– Risk management (Operational measure)
– Credit (assess, score, bureau, collect)
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Heat map
• Back
– Process redesign and simplify
– Lean six sigma
– Hubbing of fullfilment
– BPO
– Offshoring
– CORE BANKING replacement- dominated by
Finacle/Flexcube/T24 in Africa
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PwC
Questions
December 2012 Finacle Joint Value proposition Slide 25