Our Strategy

Customers are the core of the group’s strategy. The strategy is focused on five key areas enabled by technology to maximise shareholder returns.

To offer innovative retail and financial service products to the growing African middle class through our digital platforms

Medium-term targets
Retail gross margin 47% – 52%
Operating profit margin 22% - 27%
Return on equity 22% - 27%
Net debt to equity <40%
Dividend cover 2.2 – 2.8 times
Digital credit extended
as % of total credit
Customer experience delivery days <4 days
Net promoter score >70%