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 48% – 52%
Operating profit margin 25% – 30%
Return on equity 25% – 30%
Net debt to equity <40%
Dividend cover 2.2 – 2.8 times