Rest of Africa Banking

Rest of Africa Banking’s focus remains on embedding customer and client-centricity. We will do this by delivering value propositions that meet business and personal financial services needs through an enhanced multi-channel approach in Botswana, Ghana, Kenya, Mauritius, Mozambique, Seychelles, Tanzania, Uganda and Zambia, with representative offices in Namibia and Nigeria.


  • Locally relevant and able to leverage regional scale and global connections
  • Credible and safe place to invest money
  • Reachable through our footprint in multiple countries
  • Understanding of investment flows, market participants, sector trends and regulations
  • Customisable, modular, multi-asset class product ecosystem in CIB and best-in-class product in cash, distribution and card acquiring


  • Challenging macroeconomic environment
  • Regulatory changes influencing business lines
  • Economies remain fragile where linked to commodities, with considerable downside risk in some prominent markets
  • Tight monetary policy, weak fiscal positions, slow recovery in commodity prices and slow global growth
  • Stability of technology and related services

Looking ahead

To support our strategy, RBB prioritises:

  • attracting quality new customers and deepening existing customer relationships through customer lifecycle management focusing on young professionals, and the self-employed, as well as revised propositions for the affluent and emerging affluent segments;
  • optimising branches to be fit-for-purpose and positioned to serve our customers and reduce service costs;
  • enhancing internet and mobile banking solutions, and further expanding our reach through new channels, products and partners;
  • ensuring our front-line employees have the capability and skills to serve RBB customers (universal bankers);
  • enhancing our sector-focused approach in commercial, and small and medium enterprise banking;
  • embedding Shared Growth through financially inclusive products and services; and business support and development programmes; and
  • continuing to focus on the collaboration with WIMI to leverage our customer base as well as increase customer retention through the provision of integrated financial services tailored to the lifecycle of our customers.

To achieve its objectives, CIB prioritises:

  • ensuring our business fundamentals operate effectively, while expanding the range of solutions for our clients through innovative technology and digital interfaces focusing on foreign exchange, and cash and liquidity platforms;
  • building deeper client relationships, and providing quality advice by leveraging our Africa expertise and wide local and global networks;
  • offering a seamless, consistent and superior client experience enabled by robust and efficient digital and technology solutions;
  • offering a compelling employee value proposition to attract and retain the right talent and skills; and
  • delivering superior risk management capability that protects and enables ambitions of our clients and the Group.