African retail banking’s next growth frontier


Globally, the banking industry is facing disappointing returns and sluggish growth. For seven consecutive years, its return on equity (ROE) has stayed in a narrowly defined range, between 8 and 10 percent—a level that most consider the industry’s cost of equity. In 2016, ROE was at 8.6 percent, down a full percentage point from 2015. Moreover, […]

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