Namibia Commercial Banking Report

Providing expert analysis, independent forecasts and competitive intelligence on the commercial banking industry.

Report includes: BMI Industry View, Industry SWOT Analysis, Commercial Banking Risk Reward Index, Economic Forecasts, Global, Regional and Country Industry Overviews and Company Profiles.

Why you should buy this report

  • Benefit from the latest market opportunities
  • Understand the threats to your operations and investments and protect your company against future risks
  • Gain insight on emerging trends that could support, strengthen or disrupt your activities in the market
  • Get a full view of the competitive landscape to assess your market position
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Namibia Commercial Banking Report
Product Price
$1,295.00
Commercial Banking Sector Indicators
Date Total assets Client loans Bond portfolio Other Liabilities and capital Capital Client deposits Other
Source: BMI; Central banks; Regulators
December 2014, NADbn 96.1 73.1 12.3 10.7 96.1 12.1 71.8 12.2
December 2015, NADbn 109.6 81.5 14.9 13.1 109.6 14.0 81.1 14.6
% change y-o-y 14.1% 11.6% 21.1% 22.8% 14.1% 15.1% 12.9% 20.2%
December 2014, USDbn 8.3 6.3 1.1 0.9 8.3 1.0 6.2 1.1
December 2015, USDbn 7.1 5.3 1.0 0.8 7.1 0.9 5.2 0.9
% change y-o-y -14.9% -16.7% -9.6% -8.4% -14.9% -14.1% -15.8% -10.3%
Commercial Banking Sector Key Ratios, December 2015
Loan/deposit ratio Loan/asset ratio Loan/GDP ratio GDP Per Capita, USD Deposits per capita, USD
Source: BMI; Central banks; Regulators
100.60% 74.37% 52.89% 5,069.7 2,128.9
Rising Rising Rising na na
Annual Growth Rate Projections 2015-2020 (%)
Assets Loans Deposits
Source: BMI; Central banks; Regulators
Annual Growth Rate 12 9 11
CAGR 11 9 12
Ranking 21 31 21
Ranking Out Of 75 Countries Reviewed In 2016
Loan/deposit ratio Loan/asset ratio Loan/GDP ratio
Source: BMI; Central banks; Regulators
29 5 42
Local currency asset growth Local currency loan growth Local currency deposit growth
25 25 18
Commercial Banking Sector Indicators, 2013-2020
2013 2014 2015e 2016f 2017f 2018f 2019f 2020f
e/f = BMI estimate/forecast. Source: BMI; Central banks; Regulators
Total assets, NADbn 86.2 96.1 109.6 120.0 132.0 147.9 165.6 185.5
Total assets, USDbn 8.2 8.3 7.6 7.9 8.3 9.0 9.7 10.4
Client loans, NADbn 62.6 73.1 81.5 88.5 95.5 104.1 113.5 123.7
Client loans, USDbn 6.0 6.3 5.6 5.8 6.0 6.3 6.6 6.9
Client deposits, NADbn 66.8 71.8 81.1 91.8 104.2 115.7 128.4 142.5
Client deposits, USDbn 6.4 6.2 5.6 6.0 6.6 7.0 7.5 8.0
BMI Industry View
7
Table: Commercial Banking Sector Indicators
7
Table: Commercial Banking Sector Key Ratios, December 2015
7
Table: Annual Growth Rate Projections 2015-2020 (%)
7
Table: Ranking Out Of 75 Countries Reviewed In 2016
8
Table: Commercial Banking Sector Indicators, 2013-2020
8
SWOT
9
Commercial Banking
9
Political
10
Economic
11
Operational Risk
13
Industry Forecast
15
Table: NAMIBIA - BANKING SECTOR SNAPSHOT
18
Commercial Banking Risk/Reward Index
20
Middle East and Africa Commercial Banking Risk/Reward Index
20
Table: Middle East and Africa Commercial Banking Risk/Reward Index
21
Market Overview
22
Middle East and Africa Commercial Banking Outlook
22
Table: Banks' Bond Portfolios, 2014
22
Table: Comparison Of Loan/Deposit, Loan/Asset And Loan/GDP Ratios, 2016
23
Table: Comparison Of Total Assets, Client Loans And Client Deposits (USDbn)
24
Table: Comparison Of USD Per Capita Deposits, 2016
25
Economic Analysis
26
Private Consumption Growth Set To Decrease
26
Export Growth Looks Positive
26
Fixed Investment: Promising Prospects
26
GDP By Expenditure Outlook
27
Table: Namibia - GDP Growth Forecasts
28
Table: Namibia - Private Consumption Forecasts
28
Table: Namibia - Government Consumption Forecasts
29
Table: Namibia - Fixed Investment Forecasts
29
Table: Namibia - Net Exports Forecasts
30
Competitive Landscape
31
Market Structure
31
Protagonists
31
Table: Protagonists In Namibia's Commercial Banking Sector
31
Table: List of Banks
32
Company Profile
33
Bank Windhoek
33
Table: Stock Market Indicators
34
Table: Balance Sheet (NADmn)
35
Table: Balance Sheet (USDmn)
35
Table: Key Ratios (%)
35
First National Bank of Namibia
36
Table: Balance Sheet (NADmn)
37
Table: Key Ratios (%)
37
Standard Bank
38
Table: Balance Sheet (NADmn)
39
Table: Key Ratios (%)
39
Regional Overview
40
Industry Trend Analysis
40
Global Industry Overview
43
Industry Forecast
43
The Reserves Penalty
43
Mixed Results So Far
46
Not Far Enough, Or Too Far Already-
51
In The End, Negative Rates Unlikely To Become Much More Prevalent
52
Table: Negative Interest Rates - Summary
54
Demographic Forecast
55
Demographic Outlook
55
Table: Population Headline Indicators (Namibia 1990-2025)
56
Table: Key Population Ratios (Namibia 1990-2025)
56
Table: Urban/Rural Population & Life Expectancy (Namibia 1990-2025)
57
Table: Population By Age Group (Namibia 1990-2025)
57
Table: Population By Age Group % (Namibia 1990-2025)
58
Methodology
60
Industry Forecast Methodology
60
Sector-Specific Methodology
61
Risk/Reward Index Methodology
62
Table: Commercial Banking Risk/Reward Index Indicators
63
Table: Weighting Of Indicators
64

The Namibia Commercial Banking Report has been researched at source and features BMI Research's independent assessment and forecasts for the commercial banking sector in Namibia. It examines key drivers of growth and future prospects, including the macroeconomic situation, the level of development and potential for growth of the banking sector, the commercial initiatives of major players, government policy and the regulatory environment. Leading banks are profiled, covering total assets, liabilities, client deposits, lending, bond holdings, main products and services, competitive positioning and ownership structure.

BMI's Namibia Commercial Banking Report provides industry professionals and strategists, sector analysts, business investors, trade associations and regulatory bodies with independent forecasts and competitive intelligence on the commercial banking industry in Namibia.

Key Benefits

  • Benchmark BMI's independent commercial banking industry forecasts for Namibia to test other views - a key input for successful budgeting and strategic business planning in the Namibian commercial banking market.
  • Target business opportunities and risks in Namibia through our reviews of latest industry trends, regulatory changes, and major deals, investments and macroeconomic developments.
  • Exploit latest competitive intelligence on your competitors, partners and clients via our Company Profiles (inc. SWOTs, KPIs and latest activity) and Competitive Landscape Analysis.

Coverage

BMI Industry View

Key insights into the commercial banking market, covering industry trends, key players and the regulatory environment, plus snapshots of assets, liabilities, client loans and client deposits in local currency and USD.

Industry SWOT Analysis

Analysis of the major strengths, weaknesses, opportunities and threats within the commercial banking sector and within the broader political, economic and business environment.

BMI’s Commercial Banking Risk Reward Index

BMI’s Risk Reward Index provides investors and participants looking for opportunities in the region with a clear country-comparative assessment of a market’s risks and potential rewards. Each of the country markets are scored using a sophisticated model that includes more than 40 industry, economic and demographic points. These provide indices of highest to lowest appeal to investors, with each position explained.

Global, Regional and Country Industry Overviews

In-depth analysis of the major global and regional developments in the market, which can be linked with the country industry overview, providing cross-country investment, product and financing trends that will affect each market, supported by BMI’s global and regional industry forecasts.

BMI Economic Forecasts

BMI forecasts to end-2019 for all headline macroeconomic indicators, including real GDP growth, inflation, fiscal balance, trade balance, current account and external debt.

  • Competitive Landscape Market Data: Analysis of market size, dominant trends, competitive landscape and key annual and quarterly data.
  • Company Database: A comprehensive breakdown of KPIs of the leading commercial banks, including assets and liabilities, client loans, client deposits, capital, bond holdings, loan-deposit ratio, tier 1 capital, return on assets, earnings per share and market capitalisation.

Company Profiles and SWOTs

Examines the competitive positioning and short- to medium-term business strategies of key industry players. Strategy is examined within the context of BMI’s industry forecasts, our macroeconomic views and our understanding of the wider competitive landscape to generate company SWOT analyses.

The latest financial and operating statistics and key company developments are also incorporated within the company profiles, enabling a full evaluation of recent company performance and future growth prospects.

Sources

The Commercial Banking reports draw on a network of primary sources, such as multilateral organisations, government departments, industry associations, chambers and company reports.

*Company profiles are not available for every country. Those reports instead contain information on the current activities of prominent companies operating in the market.