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Session iii ii Patrick Zanaco

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    Session iii ii Patrick Zanaco Session iii ii Patrick Zanaco Presentation Transcript

    • A PRESENTATION BY THE ZAMBIA NATIONAL COMMERCIAL BANK PLC
    • Zambia National Commercial Bank PLC Emergent Farmers Finance Programme By Patrick Mutenda Zambia A PRESENTATION BY THE ZAMBIA NATIONAL COMMERCIAL BANK PLC
    • Contents  Zanaco  Objective  Zambia – Agricultural Financing Landscape  Limitations of Access to Finance  Solutions & Partnerships with the Private Sector  Technical Support  Programme Evaluation A  Lessons Learnt THE ZAMBIA NATIONAL PRESENTATION BY COMMERCIAL BANK PLC
    • Zanaco: “the people’s bank”  Created in 1969 as 100% Government of Zambia (GRZ) owned  Universal bank (Corporate/Retail)  Privatized in April 2007  Listed on Lusaka Stock Exchange in November 2008  Ownership; o Public – 25% o GRZ – 25% o Rabo Bank – 46% o ZNFU (Zambia National Farmers Union) – 4% A PRESENTATION BY THE ZAMBIA NATIONAL COMMERCIAL BANK PLC
    • Objective The main objective of the Programme is;  A model, to provide commercially based access to finance and agri support services to a class of farmers unable to access bank finance.  Criteria;  Emerging farmers with proven entrepreneurial skills  Track record  minimum farming sizes (10 Hectares for croping farmers) and assets A PRESENTATION BY THE ZAMBIA NATIONAL COMMERCIAL BANK PLC
    • A PRESENTATION BY THE ZAMBIA NATIONAL COMMERCIAL BANK PLC
    • Bankable production Agri corporates Commercial Farmers Emergent Farmers Small Scale Farmers Supply chain finance A PRESENTATION BY THE ZAMBIA NATIONALcontracts Bilateral COMMERCIAL BANK PLC
    • Limitations In Accessing Finance  Low Yields to inadequate Agronomic Skills.  Lack of Adequate Financial Management Skills  Poor Record Keeping. A PRESENTATION BY THE ZAMBIA NATIONAL COMMERCIAL BANK PLC
    • Solutions - Improving Access to Finance In 2008 - Zanaco partnership with; Rabo Bank ZNFU – Zambia National Farmers Union IFC – International Finance Corporation A PRESENTATION BY THE ZAMBIA NATIONAL COMMERCIAL BANK PLC
    • Technical Support Services  Fertilizer companies & agricultural lime companies  Agri chemical companies  Farmers Associations like  Co-operatives, Dairy Processing Companies, etc.  Crop Insurance companies  Business Training A PRESENTATION BY THE ZAMBIA NATIONAL COMMERCIAL BANK PLC
    • Programme Evaluation A PRESENTATION BY THE ZAMBIA NATIONAL COMMERCIAL BANK PLC
    • Lessons learnt  Needs specific banking products unique to client segments  Inherent bureaucracy in obtaining title to land  Literacy levels impact the pace  Full private sector participation  Ensuring that the right partners are on board A PRESENTATION BY THE ZAMBIA NATIONAL COMMERCIAL BANK PLC
    • Zambia should be a bread basket  Lots of land  Fertile Soils  Good water resources and availability if irrigated  Reasonable rains nation wide  Good banks A  Good farmers THE ZAMBIA NATIONAL PRESENTATION BY COMMERCIAL BANK PLC