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Consumer Sector

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Your consumer sector partner that will drive your growth

Partner with us to give you the competitive edge in Africa. As your banking partner, we understand your challenges and our highly experienced consumer sector team can help you to unlock opportunities.

We understand your business landscape, and with our well-established presence across Africa as well as holistic and innovative  agri-business, FMCG and retail knowledge, we can help you to drive your growth locally or within the continent.

Some of the benefits

Leverage our industry presence

Well positioned to inform, guide and support you in identifying opportunities and navigating sector challenges

We help drive your growth

We provide you with access to a full spectrum of banking and finance products, service and insights

Access innovative solutions

We combine technology, data, local consumer insight and sector knowledge to offer you bespoke solutions that meet your specific needs

Get consumer sector insights

Market – leading insights and guidance across all consumer sectors

Our Offering

We offer a comprehensive suite of retail and investment solutions for the consumer sector, including:

Transactional Products and Services - We can provide you with a range of transactional solutions including cash management, international trade, and custodial and securities services.

Investment Banking - Our African and global presence as well as deep insights into local and sector markets ensures that you partner with a bank that can drive your business growth in Africa and beyond.

Global Markets - Standard Bank’s Global Market’s banking solutions help you manage and mitigate risk when doing business in global emerging markets. We partner with you to help you navigate banking regulations and regulations globally and in Africa.

Report
Untapped opportunities in the Soft Drinks market in Africa

Standard Bank has launched an in-depth study, looking at unpacking trends across part of the growing consumer sector in East Africa. The report, which provides an analysis on the soft drink industry is also looking to enhance debate around the opportunities for future investment in the soft beverages industry.

Retail

Real growth for retailers

Africa  is  urbanizing  fast.  Its  rate  of  urbanization  soared  from  15%  in 1960 to 40% in 2010, and is projected to reach 50% in 2030  (UN Habitat 2010).  This impressive rate of urbanisation coupled with a flourishing middle class is driving the transformation of formal retail on the continent.

Increasingly global retailers (Carrefour, Inditex, Massmart, H&M) and local retailers (Choppies, Shoprite, Massmart) are entering the different African markets in pursuant of the young and upwardly mobile African consumer.

Africa thus presents an potentially sizeable though rapidly changing landscape for formal retail, requiring retailers to formulate innovative and often collaborative-based strategies towards establishing a sustainable market presence. The African retail landscape presents unique logistical challenges in sourcing and distributing merchandise, transacting in cash and mobile payments with customers, managing store infrastructure in low infrastructure cities and managing forex volatility.

Standard Bank has the product capabilities and retail industry expertise to enable our retail clients and investors to effectively tackle these challenges and build a sustainable retail footprint on the continent.

FMCG, food and beverage

The African consumer – the new market opportunity

Africa is the second largest and second most populous continent on earth, with a population expected to reach 1.4 billion by 2025. It also has the fastest-growing consuming middle class in the world.

FMCG multinationals looking for new sources of growth will find an attractive and receptive market in Africa, where a large portion of disposable income is currently spent on primary and secondary food products and beverages, and where the demand for non-food commodities such as personal care products is expected to increase in the years ahead.

In this era of rapid change, traditional business models have had to make way for more flexible and innovative solutions. Our substantial investment in technology and digital platforms enables us to offer our clients forward-looking solutions that meet their demands for convenient and accessible services in out-of-town locations.

Our regional expertise and deeply-honed skills will be of value to multinationals who have Africa in their sights. We offer insight and expertise in sectors relevant to real growth and development on the continent, backed by our universal banking capabilities available in key growth regions in sub-Saharan Africa. With Standard Bank as your financial services partner, companies and investors can access the opportunities and navigate the risks when working in Africa.

Agribusiness

Financing the planet’s future food supply

About 60% of the world’s uncultivated land lies in Africa, much of it blessed with abundant resources including water and labour. There is considerable scope for expansion of this vital sector in Africa’s growth and development. 

Higher production would also boost the agro-industry sector, which includes traders, processors, packers and exporters, and suppliers of agricultural commodities such as machinery, seeds, chemicals, irrigation systems and related equipment.

The need for greater regional food security will spur future development, enhancing Africa’s position as a burgeoning global supplier. Agribusiness players often diversify their operations, providing infrastructure and employment which stimulate middle class formation and have a far-reaching impact due to the multiplier effect. The growth of agribusiness in Africa is closely aligned to power and infrastructure development.

Institutional regulation and economic freedom vary widely across Africa. Given this complexity, our specialist business teams in 20 African countries understand the regulatory environment and are well-positioned to identify suitable local partners and evaluate opportunity against risk.

Why talk to us
  • Access insights and financial support: We offer you access to local intelligence, help develop a roadmap, provide financial support and commercial insights to help you capitalise on the opportunities to drive your strategy.
  • In-country teams at hand: A resident, regional team with in-country and commercial expertise can help guide you to find the right solution, and navigate different geographies and industries.
  • We connect you to opportunities: Our well-established presence within Africa and wealth of knowledge within the consumer sector enables us to identify and connect you to opportunities via our extensive network.
  • A holistic, innovative banking offering: We cover the full consumer value chain across the continent, providing you with access to a full suite of banking products and services, tailored to your consumer industry needs.
  • We understand your business needs: We believe in getting to know your business and your business strategy, which is why we invest highly experienced people and time in developing the right solution to not only meet your specific business needs, but also enhance your business performance and growth.
  •  Valuable insights and consumer data: Understanding your consumer market is critical in the sector. We provide in-depth, valuable insights into Africa, its markets and consumers so that you can get the competitive edge in your market.
  • Retail
  • FMCG, food and beverage
  • Agribusiness
  • Why talk to us

Real growth for retailers

Africa  is  urbanizing  fast.  Its  rate  of  urbanization  soared  from  15%  in 1960 to 40% in 2010, and is projected to reach 50% in 2030  (UN Habitat 2010).  This impressive rate of urbanisation coupled with a flourishing middle class is driving the transformation of formal retail on the continent.

Increasingly global retailers (Carrefour, Inditex, Massmart, H&M) and local retailers (Choppies, Shoprite, Massmart) are entering the different African markets in pursuant of the young and upwardly mobile African consumer.

Africa thus presents an potentially sizeable though rapidly changing landscape for formal retail, requiring retailers to formulate innovative and often collaborative-based strategies towards establishing a sustainable market presence. The African retail landscape presents unique logistical challenges in sourcing and distributing merchandise, transacting in cash and mobile payments with customers, managing store infrastructure in low infrastructure cities and managing forex volatility.

Standard Bank has the product capabilities and retail industry expertise to enable our retail clients and investors to effectively tackle these challenges and build a sustainable retail footprint on the continent.

The African consumer – the new market opportunity

Africa is the second largest and second most populous continent on earth, with a population expected to reach 1.4 billion by 2025. It also has the fastest-growing consuming middle class in the world.

FMCG multinationals looking for new sources of growth will find an attractive and receptive market in Africa, where a large portion of disposable income is currently spent on primary and secondary food products and beverages, and where the demand for non-food commodities such as personal care products is expected to increase in the years ahead.

In this era of rapid change, traditional business models have had to make way for more flexible and innovative solutions. Our substantial investment in technology and digital platforms enables us to offer our clients forward-looking solutions that meet their demands for convenient and accessible services in out-of-town locations.

Our regional expertise and deeply-honed skills will be of value to multinationals who have Africa in their sights. We offer insight and expertise in sectors relevant to real growth and development on the continent, backed by our universal banking capabilities available in key growth regions in sub-Saharan Africa. With Standard Bank as your financial services partner, companies and investors can access the opportunities and navigate the risks when working in Africa.

Financing the planet’s future food supply

About 60% of the world’s uncultivated land lies in Africa, much of it blessed with abundant resources including water and labour. There is considerable scope for expansion of this vital sector in Africa’s growth and development. 

Higher production would also boost the agro-industry sector, which includes traders, processors, packers and exporters, and suppliers of agricultural commodities such as machinery, seeds, chemicals, irrigation systems and related equipment.

The need for greater regional food security will spur future development, enhancing Africa’s position as a burgeoning global supplier. Agribusiness players often diversify their operations, providing infrastructure and employment which stimulate middle class formation and have a far-reaching impact due to the multiplier effect. The growth of agribusiness in Africa is closely aligned to power and infrastructure development.

Institutional regulation and economic freedom vary widely across Africa. Given this complexity, our specialist business teams in 20 African countries understand the regulatory environment and are well-positioned to identify suitable local partners and evaluate opportunity against risk.

  • Access insights and financial support: We offer you access to local intelligence, help develop a roadmap, provide financial support and commercial insights to help you capitalise on the opportunities to drive your strategy.
  • In-country teams at hand: A resident, regional team with in-country and commercial expertise can help guide you to find the right solution, and navigate different geographies and industries.
  • We connect you to opportunities: Our well-established presence within Africa and wealth of knowledge within the consumer sector enables us to identify and connect you to opportunities via our extensive network.
  • A holistic, innovative banking offering: We cover the full consumer value chain across the continent, providing you with access to a full suite of banking products and services, tailored to your consumer industry needs.
  • We understand your business needs: We believe in getting to know your business and your business strategy, which is why we invest highly experienced people and time in developing the right solution to not only meet your specific business needs, but also enhance your business performance and growth.
  •  Valuable insights and consumer data: Understanding your consumer market is critical in the sector. We provide in-depth, valuable insights into Africa, its markets and consumers so that you can get the competitive edge in your market.
Recent Deals in the Consumer Sector
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Coca Cola Beverages Africa, USD330 million

Standard Bank was the lead arranger and sole lender for funding facilities of USD330 million to Coca Cola Beverages East Africa, a subsidiary of Coca Cola Beverages Africa (CCBA). The funding was used to refinance existing facilities, strategic investments and for general corporate purposes.

AMR Kenya image set
East Africa Breweries Limited USD65m MLA and Lender

Following an RFP process, Standard Bank was awarded a USD65 million deal in a total funding transaction worth USD110 million (KES equivalent) for East Africa Breweries Limited (EABL).

Get in touch
Clive Potter
Global Head: Consumer Client Coverage
Brendan Grundlingh
Executive, FMCG
Junaid Jadwat
Executive, Agri-business
Khetha Mazibuko
Head, Retail
Charles Amoadbeng-Nkrumah
Ghana
Oscar Kang’oro
East Africa
Mark Chiaviello
Americas
Simon Reeves
Middle East Dubai
Esteban Skare
Europe
Zaid Moola
South Africa
Chintu Ling’Omba
South and Central Africa
Olu Delano
NIgeria
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