Zimbabwe certainly is a challenging market at the best of times and not for the fainthearted, especially when it comes to financial services. According to the World Bank’s development indicators, the number of depositors at commercial banks there almost halved to 244 per 1,000 adults in 2016, from 480 a decade earlier. Although there has been a slight improvement to 392 depositors per 1,000 adults in 2017, cash shortages and political instability still make the country relatively unattractive from an investment point of view. However, SA financial institutions with operations in Zimbabwe say despite the challenges they are committed to growing their market share in the country. Warwick Bam, head of research at Avior Capital markets, says he is not surprised because while the potential for opportunity in the country in the short to medium term is gloomy, “Zimbabweans will need financial services more than ever through this crisis”. Many businesses came to a standstill earlier this mo...

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