AIO Life Seminar Abidjan - Côte d Ivoire
|
|
- Domenic Lyons
- 8 years ago
- Views:
Transcription
1 AIO Life Seminar Abidjan - Côte d Ivoire Life Insurance Market Survey of Selected African Countries Bertus Thomas Africa Committee of the Actuarial Society of South Africa
2 Agenda SECTION 1 SURVEY OBJECTIVE AND BACKGROUND SECTION 2 AFRICA: THE STATE OF THE CONTINENT SECTION 3 COMPARISONS BETWEEN COUNTRIES 2
3 Agenda SECTION 1 SURVEY OBJECTIVE AND BACKGROUND SECTION 2 AFRICA: THE STATE OF THE CONTINENT SECTION 3 COMPARISONS BETWEEN COUNTRIES 3
4 Survey objective and background Conducted by the Africa Committee (AC) of the Actuarial Society of South Africa Report on available market data in respect of Life Business in Africa Benefits to the AIO: 1) A basis of measuring and determining the growth and development of Life Assurance Industries in Africa 2) A source of reliable information on Life Insurance in Africa 3) A basis for comparing growth in various companies, countries and regions to identify challenges and recognize strengths to encourage sharing of experiences 4) To enrich the presentation on Tour of Africa at the AIO Annual Life Seminar
5 African Regions and survey scope Excluded Included
6 Survey objective and background Countries included in this study are grouped into the following regions: Eastern Africa Central Africa Northern Africa Southern Africa Western Africa Burundi Angola Algeria Botswana Benin Comoros Cameroon Egypt Lesotho Cape Verde Djibouti Central African Republic Libya Namibia Ghana Eritrea Chad Morocco South Africa Guinea Ethiopia Congo Swaziland Ivory Coast Kenya Gabon Liberia Malawi Mali Mauritius Mauritania Mozambique Niger Rwanda Nigeria Tanzania Sierra Leone Uganda The Gambia Zambia Togo Zimbabwe
7 Information Collected - Economic environment: GDP, interest and inflation rates - Demographic composition: Population, life expectancy, median age and gender - Insurance industry: Number of players, penetration, premiums and claims - Saving tendencies - Distribution Channels for financial services - Main sources used: CIA World Fact Book, African Economic Outlook, McKinsey & Company research, World Bank data, TIMETRIC, Cenfri, Asaralo.com, Internet World Stats, indexmundi, goafrica Note - The information collected on the different regions are for the countries where TIMETRIC data was available - In some of the statistics South Africa was seen as a separate region due to the maturity of its life assurance market
8 Agenda SECTION 1 SURVEY OBJECTIVE AND BACKGROUND SECTION 2 AFRICA: THE STATE OF THE CONTINENT SECTION 3 COMPARISONS BETWEEN COUNTRIES 8
9 RISE OF THE AFRICAN CONSUMER Africa's economic growth accelerated after 2000, making it the world's 2nd fastest growing region Africa s GDP was 4.2% in 2012 and is projected to accelerate to 4.5% in 2013 and further to 5.2% in 2014 Africa s growth is fuelled by a rising consumer market Several factors are shaping this new consuming class: Africa s population is concentrated in urban areas. This new class of consumer has a smaller family, is better educated, higher earning and is digitally savvy. Africans are exceptionally optimistic about their economic future: 84% say they will be better off in two years. They are both brand and quality conscious, seek out the latest trends but watch the budget, and want a modern and attractive shopping environment. SOURCE: Global Insight, McKinsey Global Institute Analysis
10 RISE OF THE AFRICAN CONSUMER How to serve this consumer class: Focus where it matters Develop locally relevant, quality products Hit the right price point The untapped opportunity in consumer banking Unbanked: opportunity to increase penetration Banked: opportunity to deepen usage Capturing the opportunity craft a compelling value proposition using big data develop a multi-channel strategy SOURCE: Global Insight, McKinsey Global Institute Analysis
11 TECHNOLOGICAL PENETRATION Source: World Bank, etransform Africa Report.
12 OTHER GROWTH ENABLERS The accelerating growth over the past decade can also be ascribed to: Fundamental improvements in the macroeconomic landscape, political stability and the business environment Africa is harnessing its natural wealth, with the natural resource sector being the largest single contributor to growth Other sectors are also growing rapidly, in particular agriculture, manufacturing and local services Reduced poverty levels, with around 90 million African households classified in the consuming classes in 2011, up by 31 million over the decade The expanding African workforce: 37 million additional workers in the past decade and another potential 122 million over the next decade SOURCE: Global Insight, McKinsey Global Institute Analysis
13 BARRIERS TO SUSTAINABLE GROWTH SOURCE: Global Insight, McKinsey Global Institute Analysis
14 Agenda SECTION 1 SURVEY OBJECTIVE AND BACKGROUND SECTION 2 AFRICA: THE STATE OF THE CONTINENT SECTION 3 COMPARISONS BETWEEN COUNTRIES 14
15 Section 3 Comparisons between countries ECONOMIC INDICATORS 15
16 COMPARISONS BETWEEN COUNTRIES Economic growth US$ Billion Millions SIZE OF ECONOMIES COMPARED TO POPULATION SIZE Size of Economies vs Population size Southern Africa Central Africa Eastern Africa Western Africa Northern Africa - Nominal GDP (LHS) Population size (RHS) Source:
17 Real GDP Growth INFLATION CONTROL LEADS TO MORE SUSTAINABLE GDP GROWTH 8% Real GDP growth, inflation rate and GDP per capita relationship % 4% 2% 0% 0% 2% 4% 6% 8% 10% 12% 14% 16% -2% -4% Northern Africa Western Africa Southern Africa Central Africa Eastern Africa -6% -8% -10% Size of bubble represents GDP per capita (US$) Inflation Rate Source:
18 PROJECTED INFLATION AND GDP GROWTH Real GDP Growth 16% 14% 12% 10% 8% 6% 4% 2% 0% Inflation growth Northern Africa Western Africa Southern Africa Central Africa Eastern Africa GDP growth % 15% 10% 5% 0% -5% Source: Northern Africa Western Africa Southern Africa Central Africa Eastern Africa
19 Real GDP Growth Real GDP Growth 6% Northern Africa - Real GDP growth, inflation rate and GDP per capita relationship 4% 2% 0% 0% 2% 4% 6% 8% 10% 12% -2% Algeria Egypt Morocco -4% -6% Size of bubble represents GDP per capita (US$) Inflation Rate Source: Inflation Growth GDP Growth 14% 12% 12% 10% 8% 6% 4% 2% 0% % 8% 6% 4% 2% 0% -2% Algeria Egypt Morocco Algeria Egypt Morocco
20 Real GDP Growth Real GDP Growth Western Africa - Real GDP growth, inflation rate and GDP per capita relationship 8% 6% 4% 2% 0% 0% 2% 4% 6% 8% 10% 12% -2% Ghana Ivory Coast Benin Nigeria -4% -6% Inflation Rate Size of bubble represents GDP per capita (US$) Source: Inflation Growth GDP Growth 14% 12% 10% 8% 6% 4% 2% 0% % 14% 12% 10% 8% 6% 4% 2% 0% -2% Benin Ghana Ivory Coast Nigeria Benin Ghana Ivory Coast Nigeria
21 Real GDP Growth Real GDP Growth 0% 0% 2% 4% 6% 8% 10% 12% -2% Southern Africa - Real GDP growth, inflation rate and GDP per capita relationship -4% -6% -8% Namibia South Africa Botswana Swaziland -10% -12% Inflation Rate Size of bubble represents GDP per capita (US$) Source: 12% 10% 8% 6% 4% 2% 0% Inflation Growth Botswana Namibia South Africa Swaziland 8% 6% 4% 2% 0% -2% -4% -6% -8% GDP Growth Botswana Namibia South Africa Swaziland
22 Real GDP Growth Real GDP Growth Central Africa - Real GDP growth, inflation rate and GDP per capita relationship 4% 3% 2% 1% 0% -6% -4% -2% -1% 0% 2% 4% 6% 8% 10% 12% -2% -3% -4% -5% -6% -7% Inflation Rate Size of bubble represents GDP per capita (US$) 10% 8% 6% 4% 2% 0% -2% -4% Inflation Growth Angola Cameroon Congo Gabon 14% 12% 10% 8% 6% 4% 2% 0% -2% -4% -6% Cameroon Congo Angola Gabon Source: GDP Growth Angola Cameroon Congo Gabon
23 Real GDP Growth Real GDP Growth Eastern Africa - Real GDP growth, inflation rate and GDP per capita relationship 14% 12% 10% 8% 6% 4% Kenya Tanzania Ethiopia Zambia 2% 0% 7% 7% 7% 7% 7% 8% 8% 8% 8% 8% Size of bubble represents GDP per capita (US$) Inflation Rate Source: Inflation Growth GDP Growth 16% 30% 14% 12% 10% 8% 25% 20% 15% 6% 4% 2% 0% % 5% 0% Ethiopia Kenya Tanzania Zambia Ethiopia Kenya Tanzania Zambia
24 Section 3 Comparisons between countries DEMOGRAPHIC INDICATORS 24
25 POPULATION SPLIT % of total US$ % Population Split 30, % 25, % 20, % 15, % 10, % 5, % Southern Africa Central Africa Eastern Africa Western Africa Northern Africa % < 15 % % >= 65 GDP per Capita (RHS) - Source:
26 Age Rate per thousand HIGHEST RELATIVE LIFE EXPECTANCY IN NORTHERN AFRICA 90 Life Expectancy Comparison Southern Africa Central Africa Eastern Africa Western Africa Northern Africa Males Females Overall Median Age Death rates (per 1000) - Source:
27 12 OUT OF TOP 20 COUNTRIES IN TERMS OF AIDS RELATED DEATHS ARE FROM AFRICA Source: indexmundi
28 Age NORTHERN AFRICA 80 Overall Life Expectancy Algeria Egypt Morocco Source:
29 Age WESTERN AFRICA 70 Overall Life Expectancy Benin Ghana Ivory Coast Nigeria Source:
30 Age SOUTHERN AFRICA 65 Overall Life Expectancy Botswana Namibia South Africa Swaziland Source:
31 Age CENTRAL AFRICA 60 Overall Life Expectancy Angola Cameroon Congo Gabon Source:
32 Age EASTERN AFRICA 70 Overall Life Expectancy Ethiopia Kenya Tanzania Zambia Source:
33 Section 3 Comparisons between countries LIFE INSURANCE INDUSTRY 33
34 % of GDP (USD) Number PENETRATION HIGH IN COUNTRIES WHERE LIFE PRODUCTS ARE USED AS SAVINGS VEHICLES Players in the market vs. insurance penetration 2013 South Africa: Number of Insurers = 37 Penetration = 9% Southern Africa Central Africa Eastern Africa Western Africa Northern Africa Excluding South Africa Number of Insurers (RHS) Insurance Penetration (LHS) - Source:
35 Number of players COMPARISON OF PLAYERS, PENETRATION AND PREMIUMS Insurers, Penetration and Gross Premium 2013 South Africa: Number of Insurers = 37 Penetration = 9% Gross Premium = 38 billion USD Southern Africa Excluding South Africa Central Africa Eastern Africa Western Africa Northern Africa Size of the bubbles is Gross Premium Insurance penetration (% of GDP) Source:
36 Billion USD USD per Capita COMPARING PREMIUMS Premiums 2013 South Africa: Gross Premium = 38 billion USD Premiums per capita = 736 USD per Capita Southern Africa Central Africa Eastern Africa Western Africa Northern Africa Excluding South Africa Gross Written Premiums (LHS) Premiums Per Capita (RHS) - Source:
37 % of GDP Billion USD PREMIUM AND PENETRATION TRENDS NORTHERN AFRICA Gross Premiums Algeria Egypt Morocco Insurance Penetration Source: Algeria Egypt Morocco
38 % of GDP Billion USD PREMIUM AND PENETRATION TRENDS WESTERN AFRICA Gross Premiums Benin Ghana Ivory Coast Nigeria Insurance Penetration Source: Benin Ghana Ivory Coast Nigeria
39 Billion USD % of GDP PREMIUM AND PENETRATION TRENDS SOUTHERN AFRICA Gross Premiums Insurance Penetration Botswana Namibia Swaziland Botswana Namibia Swaziland South Africa Penetration (% of GDP) Premiums (Billion USD) Source:
40 % of GDP Billion USD PREMIUM AND PENETRATION TRENDS CENTRAL AFRICA Gross Premiums Angola Cameroon Congo Gabon Insurance Penetration Source: Angola Cameroon Congo Gabon
41 % of GDP Billion USD PREMIUM AND PENETRATION TRENDS EASTERN AFRICA Gross Premiums Ethiopia Kenya Tanzania Zambia Insurance Penetration Source: Ethiopia Kenya Tanzania Zambia
42 Billion USD COMPARING CLAIMS Claims and Losses 2013 South Africa: Paid Claims = 29 Billion USD Loss ratio = 88% 100% 90% 80% 70% % 50% 40% 30% 20% 10% 0 Southern Africa Central Africa Eastern Africa Western Africa Northern Africa Excluding South Africa Paid Claims (LHS) Loss Ratio % (RHS) 0% Source:
43 USD (million) % of GNI PROPENSITY TO SAVE Net national adjusted savings as % of Gross National Income 50, , , , , , , , , , National savings Northern Africa Central Africa Eastern Africa Southern Africa Western Africa Excluding South Africa Savings (LHS) South Africa: National Savings = 9 million USD Savings Rate = 2.6%. Savings Rate (RHS) 45% 40% 35% 30% 25% 20% 15% 10% 5% 0% SOURCE: World Bank Source: Reasons why people in Sub-Saharan Africa save Responses #1 For a rainy day 25% #2 To start a business 20% #3 Education of children 10% #14 For my retirement 3% #15 To buy a car 2%
44 USD (Million) % of GNI Net national adjusted savings as % of Gross National Income Northern Africa 70, Saving and savings rate 16.00% 60, % 50, % 40, % 30, , % 10, % - Algeria Libya 15.40% Savings (LHS) Savings Rate (RHS) SOURCE: World Bank
45 USD (Million) % of GNI Net national adjusted savings as % of Gross National Income Western Africa 4, Saving and savings rate 0.30% 3, , , % 0.20% 2, % 1, % 1, % - Ghana Liberia 0.00% Savings (LHS) Savings Rate (RHS) SOURCE: World Bank
46 USD (Million) % of GNI Net national adjusted savings as % of Gross National Income Southern Africa 3, , Saving and savings rate South Africa: National Savings = 9 million USD Savings Rate = 2.6%. 0.30% 0.25% 2, % 1, % 1, % % - Botswana Namibia 0.00% Savings (LHS) Savings Rate (RHS) SOURCE: World Bank
47 USD (Million) % of GNI Net national adjusted savings as % of Gross National Income Central Africa 12, Saving and savings rate 0.80% 10, , % 0.60% 0.50% 6, % 4, % 0.20% 2, % - Angola Cameroon 0.00% Savings (LHS) Savings Rate (RHS) SOURCE: World Bank
48 USD (Million) % of GNI Net national adjusted savings as % of Gross National Income Eastern Africa 4, Saving and savings rate 0.30% 3, , , % 0.20% 2, % 1, % 1, % - Ethiopia Tanzania 0.00% Savings (LHS) Savings Rate (RHS) SOURCE: World Bank
49 BEHAVIOR
50 ALTERNATIVE DISTRIBUTION CHANNELS FOR FINANCIAL SERVICES Current distribution reach by Channel Informal traders and retailers eclipse others with regard to number of distribution points. Market penetration for mobile networks and post offices far exceed that of other channels.
51 ALTERNATIVE DISTRIBUTION CHANNELS FOR FINANCIAL SERVICES Projected trends going forward
52 THANK YOU
DEFINITION OF THE CHILD: THE INTERNATIONAL/REGIONAL LEGAL FRAMEWORK. The African Charter on the Rights and Welfare of the Child, 1990
DEFINITION OF THE CHILD: THE INTERNATIONAL/REGIONAL LEGAL FRAMEWORK Article 2: Definition of a Child The African Charter on the Rights and Welfare of the Child, 1990 For tile purposes of this Charter.
More informationcountry profiles WHO regions
country profiles WHO regions AFR AMR EMR EUR SEAR WPR Algeria Total population: 37 63 aged years and older (+): 73% in urban areas: 66% Income group (World Bank): Upper middle income 196 196 197 197 198
More informationManufacturing & Reproducing Magnetic & Optical Media Africa Report
Brochure More information from http://www.researchandmarkets.com/reports/3520587/ Manufacturing & Reproducing Magnetic & Optical Media Africa Report Description: MANUFACTURING & REPRODUCING MAGNETIC &
More informationFinancing Education for All in Sub Saharan Africa: Progress and Prospects
Financing Education for All in Sub Saharan Africa: Progress and Prospects Albert Motivans Education for All Working Group Paris, 3 February 211 1 Improving the coverage and quality of education finance
More informationTHE STATE OF MOBILE ADVERTISING
AFRICA THE STATE OF MOBILE ADVERTISING Africa is a land of contrasts. It is the world s second-largest continent (after Asia), and home to the second-largest population yet it only outpaces Antarctica
More informationCorporate Overview Creating Business Advantage
Corporate Overview Creating Business Advantage 14 April 2013 Agenda The power of the group Our achievements Quick facts African regulatory environment Portfolio of offerings Creating value in Africa African
More informationGlobal Fuel Economy Initiative Africa Auto Club Event Discussion and Background Paper Venue TBA. Draft not for circulation
Global Fuel Economy Initiative Africa Auto Club Event Discussion and Background Paper Venue TBA Draft not for circulation Launched on March 4, 2009 by the United Nations Environment Programme (UNEP), the
More informationG4S Africa. Andy Baker Regional President. G4S Africa
Andy Baker Regional President G4S Africa 1 Macro-economic environment Over the last decade, six of the world s 10 fastest growing economies were in Africa. This is forecast to continue.. Diversity across
More informationQuote Reference. Underwriting Terms. Premium Currency USD. Payment Frequency. Quotation Validity BUPA AFRICA PROPOSAL.
Quote Reference Family Quote 2013 Underwriting Terms BUPA AFRICA PROPOSAL Full Medical Underwriting and/or Continuous PreviousMedical Exclusions Premium Currency USD Payment Frequency One annual payment
More informationWHO Global Health Expenditure Atlas
WHO Global Health Expenditure Atlas September 214 WHO Library Cataloguing-in-Publication Data WHO global health expenditure atlas. 1.Health expenditures statistics and numerical data. 2.Health systems
More informationPensions Core Course Mark Dorfman The World Bank. March 7, 2014
PENSION PATTERNS & REFORM CHALLENGES IN SUB-SAHARAN AFRICA Pensions Core Course Mark Dorfman The World Bank Slide 1 Organization 1. Design summary 2. Challenges 3. Design reform principles 4. A process
More informationPresentation to 38th General Assembly of FANAF Ouagadougou, 17-21 February 2014. Thierry Tanoh- Group CEO
Presentation to 38th General Assembly of FANAF Ouagadougou, 17-21 February 2014 Thierry Tanoh- Group CEO Contents Global Demographics Africa Market Size & Growth Drivers Key players & Competitive Landscape
More informationRe/insurance in sub- Saharan Africa. Gearing up for strong growth Dr. Kurt Karl, Head of Economic Research & Consulting, Swiss Re
Re/insurance in sub- Saharan Africa Gearing up for strong growth Dr. Kurt Karl, Head of Economic Research & Consulting, Swiss Re Agenda Macroeconomic environment and outlook Insurance market development
More informationThe Africa Infrastructure
AIDI May 2016 www.afdb.org Chief Economist Complex Table of Contents 1. Introduction and Background 1. Introduction and Background 2. The AIDI 2016 Highlights 3. Main Results 4. Conclusions References
More informationPeople and Demography
PART 1The setting PART 1 People and Demography The population of all Africa was estimated at 802.5 million people in 2000 and it rose to 1 010.3 million inhabitants in 2010, which means an average annual
More informationUNFCCC initiatives: CDM and DNA Help Desks, the CDM Loan Scheme, Regional Collaboration Centres
UNFCCC initiatives: CDM and DNA Help Desks, the CDM Loan Scheme, Regional Collaboration Centres Africa Carbon Forum 03 July 2013 - Abidjan, Côte d Ivoire Ms. Flordeliza Andres Programme Officer, UNFCCC
More informationA Snapshot of Drinking Water and Sanitation in Africa 2012 Update
A Snapshot of Drinking Water and Sanitation in 1 Update A regional perspective based on new data from the WHO/UNICEF Joint Monitoring Programme for Water Supply and Sanitation UNICEF/NYHQ8-46/Harneis,
More informationIn 2003, African heads of state made a commitment to
Issue Note November 213 No. 22 Trends in Public Agricultural Expenditures in Africa Samuel Benin and Bingxin Yu 1 In 23, African heads of state made a commitment to invest percent of their total national
More informationWhat Are the Best Ways of Promoting Financial Integration in Sub-Saharan Africa? Amadou Sy Senior Fellow, Africa Growth Initiative Paris, May 2014
What Are the Best Ways of Promoting Financial Integration in Sub-Saharan Africa? Amadou Sy Senior Fellow, Africa Growth Initiative Paris, May 2014 1. Why focus on financial integration now? The Africa
More informationTHE ROLE OF BIG DATA/ MOBILE PHONE DATA IN DESIGNING PRODUCTS TO PROMOTE FINANCIAL INCLUSION
THE ROLE OF BIG DATA/ MOBILE PHONE DATA IN DESIGNING PRODUCTS TO PROMOTE FINANCIAL INCLUSION Joseph Nketsiah GM, Risk Management Division, HFC BANK www.hfcbank.com.gh 1 Using customer data for marketing
More informationBADEA EXPORT FINANCING SCHEME (BEFS) GUIDELINES
BADEA EXPORT FINANCING SCHEME (BEFS) GUIDELINES 1 P.O. Box 5925 Jeddah 21432 Kingdom of Saudi Arabia Telephone: 636 1400 Telex: 601137-601407 ISDB SJ Facsimile: 636 6871 Jeddah (IDB) Facsimile: 637 1064
More informationEligibility List 2015
The Global Fund adopted an allocation-based approach for funding programs against HIV/AIDS, TB and malaria in 2013. The Global Fund policy states that countries can receive allocation only if their components
More informationUnited Nations Development Programme United Nations Institute for Training and Research
UNDP RBA and UNITAR supporting the strategic development priorities of Africa As we approach the New Year, it is important to reflect on what has been achieved. Throughout 011, UNITAR has worked in close
More informationCountries Ranked by Per Capita Income A. IBRD Only 1 Category iv (over $7,185)
Page 1 of 5 Note: This OP 3.10, Annex C replaces the version dated September 2013. The revised terms are effective for all loans that are approved on or after July 1, 2014. Countries Ranked by Per Capita
More informationEXPLORER HEALTH PLAN. Product Summary From 1 September 2013. bupa-intl.com. Insured by Working with Brokered by
EXPLORER HEALTH PLAN Product Summary From 1 September 2013 bupa-intl.com Insured by Working with Brokered by ABOUT BUPA AND JUBILEE ABOUT ABOUT BUPA BUPA, AND JUBILEE AND JUBILEE JUBILEE AND JWS GLOBAL
More informationAssessing Progress in Africa toward the Millennium Development Goals, 2011
North Africa, on the other hand, has made the greatest progress by improving the lives of 8.7 million, or 34.9 percent, slum dwellers (UN-Habitat, 2010). At the country level, the trend shows that of the
More informationAfrica-China trading relationship
-China trading relationship tralac has been monitoring the trading relationship between and China for several years. This brief provides a synopsis of the latest -China trade data and an evaluation of
More informationA TEACHER FOR EVERY CHILD: Projecting Global Teacher Needs from 2015 to 2030
A TEACHER FOR EVERY CHILD: Projecting Global Teacher Needs from 2015 to 2030 UIS FACT SHEET OCTOBER 2013, No.27 According to new global projections from the UNESCO Institute for Statistics, chronic shortages
More informationProforma Cost for international UN Volunteers for UN Partner Agencies for 2016. International UN Volunteers (12 months)
Proforma Cost for international UN Volunteers for UN Partner Agencies for 2016 Country Of Assignment International UN Volunteers (12 months) International UN Youth Volunteers (12 months) University Volunteers
More informationwww.pwc.ie Africa Business Forum December 2014
www.pwc.ie Africa Business Forum December 2014 Welcome Colm O Callaghan Director, Ireland Africa Business Forum December 2014 2 Agenda Speaker Topic Colm O Callaghan, Ireland Welcome address Tim Morgan,
More informationBRIEFING NOTE 1 THE LANDSCAPE OF MICROINSURANCE IN AFRICA. 1. Counting the microinsured in Africa. 2. So how many are covered by microinsurance?
BRIEFING NOTE 1 Microinsurance Innovation Facility THE LANDSCAPE OF MICROINSURANCE IN AFRICA 1. Counting the microinsured in Africa In various forms microinsurance has been available to some low-income
More informationUNAIDS 2013 AIDS by the numbers
UNAIDS 2013 AIDS by the numbers 33 % decrease in new HIV infections since 2001 29 % decrease in AIDS-related deaths (adults and children) since 2005 52 % decrease in new HIV infections in children since
More informationDoing Business 2015 Fact Sheet: Sub-Saharan Africa
Doing Business 2015 Fact Sheet: Sub-Saharan Africa Thirty-five of 47 economies in Sub-Saharan Africa implemented at least one regulatory reform making it easier to do business in the year from June 1,
More informationGoal 6: Combat HIV, AIDS, malaria, and other major diseases
The adolescent birth rate is highest in Niger, Chad, Mali, and Mozambique, which are among the poorest countries on the continent. In these countries early marriage is common and the proportion of girls
More informationThe 2011-2016 Outlook for Managed File Transfer (MFT) Suites and Services in Africa
Brochure More information from http://www.researchandmarkets.com/reports/1676609/ The 2011-2016 Outlook for Managed File Transfer (MFT) Suites and Services in Africa Description: WHAT IS LATENT DEMAND
More informationDistance to frontier
Doing Business 2013 Fact Sheet: Sub-Saharan Africa Of the 50 economies making the most improvement in business regulation for domestic firms since 2005, 17 are in Sub-Saharan Africa. From June 2011 to
More informationInternational Fuel Prices 2012/2013
International Fuel Prices 212/213 8 th Edition Published by International Fuel Prices 212/213 8 th Edition Disclaimer Findings, interpretation and conclusions expressed in this document are based on the
More informationHow To Calculate The Cost Of A Road Accident In Africa
ND CA EVELOPMEN T S ND PP FO AF RIC F EM ENT AF RI A LO D UN BANQ UE INE DE DEVE EN T EM PP A IC FR LO AIN DE DEVE Market Brief Statistics Department, June 2013, AfDB Chief Economist Complex www.afdb.org
More informationLibreville Declaration on Health and Environment in Africa
Libreville Declaration on Health and Environment in Africa Libreville, 29 August 2008 REPUBLIQUE GABONAISE World Health Organization Regional Office for Africa Libreville Declaration on Health and Environment
More informationAfrican Elephant (Loxondonta africana)
African Elephant (Loxondonta africana) Further Details on Data Used for the Global Assessment For the 2004 assessment, current generation data were obtained from the African Elephant Status Report 2002
More informationDeloitte on Africa The Rise and Rise of the African Middle Class
Deloitte on Africa The Rise and Rise of the African Middle Class Africa s middle class has tripled over the last 30 years, with one in three people now considered to be living above the poverty line -
More informationHOTEL CHAIN DEVELOPMENT PIPELINES IN AFRICA, 2014
W HOSPITALITY GROUP Plot 10, Babatunde Crescent Off Oniru Market Road Lekki Phase 1 Lagos, Nigeria Tel: +234 (0) 1 791 4165 www.w-hospitalitygroup.com HOTEL CHAIN DEVELOPMENT PIPELINES IN AFRICA, 2014
More informationMEETING THE INVESTMENT CHALLENGE TIPPING THE DEPENDENCY BALANCE
BREAKING NEWS MEETING THE INVESTMENT CHALLENGE TIPPING THE DEPENDENCY BALANCE Domestic investments exceed international investments total reaching US$ 8.6 billion. 40 countries fund more than 70% of their
More informationAffordable Housing Finance New market development in Africa
1 Affordable Housing Finance New market development in Africa Kecia Rust Tuesday, 29 May 2012 Housing Finance in Emerging Markets 5 th Global Housing Finance Conference: Providing Shelter Creating Jobs
More informationDEMOGRAPHIC AND SOCIOECONOMIC DETERMINANTS OF SCHOOL ATTENDANCE: AN ANALYSIS OF HOUSEHOLD SURVEY DATA
BACKGROUND PAPER FOR FIXING THE BROKEN PROMISE OF EDUCATION FOR ALL DEMOGRAPHIC AND SOCIOECONOMIC DETERMINANTS OF SCHOOL ATTENDANCE: AN ANALYSIS OF HOUSEHOLD SURVEY DATA By Hiroyuki Hattori, UNICEF This
More informationA Credit Bureau Data Comparison - SA versus Africa The trip through the jungle is easy IF you have the data - question: do we have it?
A Credit Bureau Data Comparison - SA versus Africa The trip through the jungle is easy IF you have the data - question: do we have it? presented by Frank Lenisa Director, Compuscan Agenda Regula+on 144
More informationThe Trade Finance Bank for Africa
The Role of Afreximbank and of IFG Africa Chapter in the development of Factoring in Africa By Chairperson, Africa Chapter. B.O. Oramah and Executive Vice-President (AFREXIMBANK) Presentation at the First
More informationBangladesh Visa fees for foreign nationals
Bangladesh Visa fees for foreign nationals No. All fees in US $ 1. Afghanistan 5.00 5.00 10.00 2. Albania 2.00 2.00 3.00 3. Algeria 1.00 1.00 2.00 4. Angola 11.00 11.00 22.00 5. Argentina 21.00 21.00 42.00
More informationSending Money Home to Africa
Enabling poor rural people to overcome poverty Sending Money Home to Africa Remittance markets, enabling environment and prospects Introduction For centuries people have crossed borders seeking better
More informationHOSPITALITY AND LEISURE IN the MIDDLE EAST AND AFRICA
HOSPITALITY AND LEISURE IN the MIDDLE EAST AND AFRICA Doing business in the region offers unique opportunities and challenges, and with this comes a need to understand the cultural, economic and political
More informationUNHCR, United Nations High Commissioner for Refugees
Belgium 22 Jul 1953 r 08 Apr 1969 a Belize 27 Jun 1990 a 27 Jun 1990 a Benin 04 Apr 1962 s 06 Jul 1970 a Bolivia 09 Feb 1982 a 09 Feb 1982 a Bosnia and Herzegovina 01 Sep 1993 s 01 Sep 1993 s Botswana
More informationPLEASE READ CAREFULLY!!!
Center for Puppetry Arts AFRICA AFRICAN ROD PUPPET- each student will need the following materials for the puppet: 1 paper towel tube 1 sheet of colored tissue paper (craft tissue or gift tissue, approx.
More informationA Snapshot of Drinking Water in Africa
A Snapshot of Drinking Water in Africa Extracted from A Snapshot of Drinking Water and Sanitation in Africa A regional perspective based on new data from the WHO/UNICEF Joint Monitoring Programme for Water
More informationUNU MERIT Working Paper Series
UNU MERIT Working Paper Series #2012-018 New Technologies in remittances sending: Opportunities for mobile remittances in Africa Melissa Siegel and Sonja Fransen Maastricht Economic and social Research
More informationTable 5: HIV/AIDS statistics for Africa (excluding North Africa), 2001 and 2009
Table 5: HIV/AIDS statistics for Africa (excluding North Africa), 2001 and 2009 Year People living with HIV (million) People newly infected with HIV (million) Children living with HIV (million) AIDS-related
More informationStates Parties to the 1951 Convention relating to the Status of Refugees and the 1967 Protocol
States Parties to the 1951 Convention relating to the Status of Refugees and the 1967 Protocol Date of entry into force: 22 April 1954 (Convention) 4 October 1967 (Protocol) As of 1 October 2008 Total
More informationThe Deloitte Consumer Review Africa: A 21st century view
The Deloitte Consumer Review Africa: A 21st century view Contents Foreword 1 Executive summary 2 Africa takes centre stage 4 The consumer opportunity 13 Consumer attitudes in Africa 18 Operating in Africa
More informationThe Effective Vaccine Management Initiative Past, Present and Future
EVM setting a standard for the vaccine supply chain The Effective Vaccine Management Initiative Past, Present and Future Paul Colrain TechNet meeting Dakar, Senegal, February 2013 February 2013 TechNet
More informationTHE AFRICAN INSURANCE REGULATION DIRECTORY
THE AFRICAN INSURANCE REGULATION DIRECTORY May 2015 The African Insurance Regulation Directory A Comparative Analysis prepared by Dr. Schanz, Alms & Company AG, Zurich http: /www.schanz-alms.com 1 CONTENTS
More informationPRIORITY AREAS FOR SOCIAL DEVELOPMENT PERSPECTIVES FROM AFRICA EUNICE G. KAMWENDO UNDP REGIONAL BUREAU FOR AFRICA
PRIORITY AREAS FOR SOCIAL DEVELOPMENT PERSPECTIVES FROM AFRICA EUNICE G. KAMWENDO UNDP REGIONAL BUREAU FOR AFRICA Outline Reflections on social Development in Africa along the following 4 pillars: Growth
More informationProceedings of the 42nd Hawaii International Conference on System Sciences - 2009
The State of the Art of E-Government Services in Africa: An Analysis of Relevant Websites Abebe Rorissa Department of Information Studies, University at Albany, State University of New York, Draper 113
More informationAfrica and the infrastructure sector: SACE new business solutions. AFDB Tunisi, 8-9 march 2010
Africa and the infrastructure sector: SACE new business solutions AFDB Tunisi, 8-9 march 2010 Titolo presentazione Index Business Areas Africa Programme SACE 2 Business Areas Are you an exporter wanting
More informationFAO E-learning Center
FAO E-learning Center FAO, Partnerships Advocacy and Capacity Development Division Cristina Petracchi Elearning Team Leader Rome, 23 March, 2016 The FAO E-learning Center Education for all Anytime Anywhere
More informationAppendix A. Crisis Indicators and Infrastructure Lending
Appendix A. Crisis Indicators and Infrastructure Lending APPENDIX A Table A.1. Crisis Indicators (Case Study Countries) Country % as Share of GDP Share of in Bank Crisis Severity Score (principal factor
More informationJapan s Initiative on Infrastructure Development in Africa and TICAD Process Fifth Ministerial Meeting NEPAD-OECD Africa Investment Initiative
Japan s Initiative on Infrastructure Development in Africa and TICAD Process Fifth Ministerial Meeting NEPAD-OECD Africa Investment Initiative Kei YOSHIZAWA Deputy Director,Office for TICAD Process Japan
More informationTEACHERS NOTES FILM SYNOPSIS RESOURCE OVERVIEW PEDAGOGY
TEACHERS NOTES Film Education s online resource for learners aged 11-14 features digital teaching materials exploring the film Africa United. This resource is designed for students of English and Media,
More informationWatermarks: Indicators of Irrigation Sector Performance in Africa
BACKGROUND PAPER 4 (PHASE II) Watermarks: Indicators of Irrigation Sector Performance in Africa SUMMARY Mark Svendsen, Mandy Ewing, and Siwa Msangi International Food Policy Research Institute DECEMBER
More informationKIGALI DECLARATION ON THE DEVELOPMENT OF AN EQUITABLE INFORMATION SOCIETY IN AFRICA
KIGALI DECLARATION ON THE DEVELOPMENT OF AN EQUITABLE INFORMATION SOCIETY IN AFRICA We, the Representatives of the African Parliaments to the Kigali International Conference Recalling the commitment of
More informationExpression of Interest in Research Grant Applications
INTERNATIONAL CENTRE FOR GENETIC ENGINEERING AND BIOTECHNOLOGY THE ACADEMY OF SCIENCES FOR THE DEVELOPING WORLD UNITED NATIONS EDUCATIONAL, SCIENTIFIC AND CULTURAL ORGANIZATION ICGEB-TWAS-UNESCO/IBSP Joint
More informationINDEX FOR RISK MANAGEMENT RESULTS 2015
INDEX FOR RISK MANAGEMENT RESULTS 2015 INFORM 2015 INFORM MEASURES THE RISK OF HUMANITARIAN CRISES AND DISASTERS IN 191 COUNTRIES COUNTRY RISK 3 YR TREND Afghanistan 7.88 æ Albania 2.61 à Algeria 4.64
More informationA Snapshot of Drinking Water and Sanitation in Africa A regional perspective based on new data from the WHO/UNICEF Joint Monitoring Programme for
A Snapshot of Drinking Water and Sanitation in A regional perspective based on new data from the WHO/UNICEF Joint Monitoring Programme for Water Supply and Sanitation Prepared for AMCOM as a contribution
More informationEnsuring access: health insurance schemes and HIV
Ensuring access: health insurance schemes and HIV Joep M.A. Lange Academic Medical Center, University of Amsterdam Amsterdam Institute for Global Health & Development With great help from: Onno Schellekens
More informationMDRI HIPC. heavily indebted poor countries initiative. To provide additional support to HIPCs to reach the MDGs.
Goal To ensure deep, broad and fast debt relief and thereby contribute toward growth, poverty reduction, and debt sustainability in the poorest, most heavily indebted countries. HIPC heavily indebted poor
More informationPendulum Business Loan Brokers L.L.C.
BUSINESS BROKERS DEVELOPING COMPONENT PART MANUFACTURING PARTNERSHIPS METAL PLASTIC ELECTRICAL Business Brokers Three (3) Component Part Manufacturing Partnerships Categories Hiram R. Davis Corporate Secretary
More informationמדינת ישראל. Tourist Visa Table
Updated 22/06/2016 מדינת ישראל Tourist Visa Table Tourist visa exemption is applied to national and official passports only, and not to other travel documents. Exe = exempted Req = required Press the first
More informationForeign investment, aid, remittances and tax revenue in Africa
Chapter 2 Foreign investment, aid, remittances and tax revenue in Africa External financial flows into Africa hit a record in 2012 and are expected to top USD 200 billion in 2013. This highlights the growing
More informationExpanding Energy Access by Scaling Up Energy Efficiency in Sub-Saharan Africa
Downloaded from orbit.dtu.dk on: Jun 28, 2016 Expanding Energy Access by Scaling Up Energy Efficiency in Sub-Saharan Africa Ackom, Emmanuel Publication date: 2015 Document Version Publisher's PDF, also
More informationGuidelines for DBA Coverage for Direct and Host Country Contracts
Guidelines for DBA Coverage for Direct and Host Country Contracts An Additional Help document for ADS Chapter 302 New Reference: 06/14/2007 Responsible Office: OAA/P File Name: 302sap_061407_cd48 BACKGROUND:
More informationAction required The Committee is requested to take note of the position of 2010 11 income and expenditure as of 30 September 2010.
INTERNATIONAL LABOUR OFFICE Governing Body 309th Session, Geneva, November 2010 Programme, Financial and Administrative Committee GB.309/PFA/1 PFA FOR INFORMATION FIRST ITEM ON THE AGENDA Programme and
More informationSouth. Africa. Energy Equity. Environment. Ami Diner Rina Nazarov Jay Segal Daniel Serrano
South Energy Equity Africa Environment Ami Diner Rina Nazarov Jay Segal Daniel Serrano Macro & Micro Analysis Electricity Service OUTLINE Sanitation Service Water Service Strategic Solution Macroeconomic
More informationThe African Union Education Outlook Report: Early Childhood Development: A Continental Perspective
The African Union Education Outlook Report: Early Childhood Development: A Continental Perspective Early childhood is defined as the period from birth to eight years old. This early period is considered
More informationSub-Saharan Africa Mobile Observatory 2012
Sub-Saharan Africa Mobile Observatory 2012 13 November 2012 Prepared by: and Sub-Saharan Africa Mobile Observatory 2012 2 Contents Executive Summary... 3 1 Introduction... 8 1.1 SSA comprises a set of
More informationFINDINGS FROM AFROBAROMETER ROUND 5 SURVEY DEMOCRATIC ATTITUDES/BELIEFS, CITIZENSHIP & CIVIC RESPONSIBILITIES
FINDINGS FROM AFROBAROMETER ROUND 5 SURVEY DEMOCRATIC ATTITUDES/BELIEFS, CITIZENSHIP & CIVIC RESPONSIBILITIES th JULY, 13 What is the Afrobarometer? The Afrobarometer (AB) is a comparative series of public
More informationconsulting Company Profile Immigration, Relocation and Expat Support Services
consulting Company Profile Immigration, Relocation and Expat Support Services Who are we? Expats On The Globe (EOG) is servicing beyond borders with a particular focus on Africa. Based in South Africa,
More informationPopulation below the poverty line Rural % Population below $1 a day % Urban % Urban % Survey year. National %
2.7 International the the Afghanistan.................... Albania 2002 29.6 19.8 25.4...... 2002 a
More informationAfDB. Africa Economic Brief. Mobile Banking in Africa: Taking the Bank to the People. Peter Ondiege* 1 Introduction. Chief Economist Complex
Volume 1 Issue 8 December 2010 www.afdb.org AfDB KEY ISSUES Mobile telephony penetration in Africa has increased exponentially from less than 2 million subscribers in 1998 to over 400 million in 2009.
More informationExecutive Master s in Taxation Participants 2015/16
Executive Master s in Taxation Participants 2015/16 Ladies and Gentlemen, Education, Science and Research are the backbone for the economic and social development of every country. Likewise, a sound revenue
More informationSocial protection and poverty reduction
Social protection and poverty reduction Despite the positive economic growth path projected for Africa, the possibility of further global shocks coupled with persistent risks for households make proactive
More informationPROCEEDINGS KIGALI 3-4 NOVEMBRE,
PROCEEDINGS KIGALI 3-4 NOVEMBRE, 2005 The 7 th Conference of Ministers Responsible for Animal Resources was held in the conference room of Intercontinental hotel - Kigali (Rwanda) from 3 rd to 4 th November
More informationJSPS RONPAKU (DISSERTATION PhD) PROGRAM APPLICATION GUIDELINES FOR FY 2015
JSPS RONPAKU (DISSERTATION PhD) PROGRAM APPLICATION GUIDELINES FOR FY 2015 April, 2014 Japan Society for the Promotion of Science 1. Outline of JSPS RONPAKU Program The Japan Society for the Promotion
More informationOFFICIAL NAMES OF THE UNITED NATIONS MEMBERSHIP
OFFICIAL NAMES OF THE UNITED NATIONS MEMBERSHIP Islamic Republic of Afghanistan Republic of Albania People s Democratic Republic of Algeria Principality of Andorra Republic of Angola Antigua and Barbuda
More informationAfrica Rebounding: When and How to Exit from Crisis Intervention Policies
N O 4/ 2010 Africa Rebounding: When and How to Exit from Crisis Intervention Policies Zuzana Brixiova, Abdul B. Kamara and Léonce Ndikumana Editorial Committee Ndikumana, Léonce Kamara, Abdul B. Salami,
More informationGoal 6: Combat HIV/AIDS, malaria and other diseases
Goal 6: Combat HIV/AIDS, malaria and other diseases Africa s progress in the fight against HIV/AIDS, TB and malaria is being sustained even stepped up. This is noteworthy as there are worrying signs of
More informationA HISTORY OF THE HIV/AIDS EPIDEMIC WITH EMPHASIS ON AFRICA *
UN/POP/MORT/2003/2 5 September 2003 ENGLISH ONLY WORKSHOP ON HIV/AIDS AND ADULT MORTALITY IN DEVELOPING COUNTRIES Population Division Department of Economic and Social Affairs United Nations Secretariat
More informationFinance & Development December 2004
8 Finance & Development December 2004 ASingle Currency for Africa? Probably not, but selective expansion of existing monetary unions could be used to induce countries to improve their policies Paul Masson
More informationDoing Business in Africa. ACC Israel. Juliet Reingold. Head of Energy & Infrastructure Sector. Ariel Nachman. Head of Israeli Desk
Doing Business in Africa ACC Israel Juliet Reingold Head of Energy & Infrastructure Sector Ariel Nachman Head of Israeli Desk Simmons & Simmons 18 February 2014 0 / B_LIVE_EMEA1:1692182v1 Overview What
More informationINSTRUCTIONS FOR COMPLETING THE USAID/TDA DEFENSE BASE ACT (DBA) APPLICATION
INSTRUCTIONS FOR COMPLETING THE USAID/TDA DEFENSE BASE ACT (DBA) APPLICATION Full Name of Insured or Company and Complete Mailing Address: This is whoever has the contract with USAID. Generally, it is
More informationMaking Finance Work for Africa BRIEFING NOTE THE LANDSCAPE OF MICROINSURANCE IN AFRICA 2012
Making Finance Work for Africa BRIEFING NOTE THE LANDSCAPE OF MICROINSURANCE IN AFRICA 212 Jointly published by: Munich Re Foundation www.munichre-foundation.org Contact: Dirk Reinhard, dreinhard@munichre-foundation.org
More informationFiscal Rules and Fiscal Responsibility Frameworks for Growth in Emerging and Low-Income Countries
Fiscal Affairs Department Effects of Good Government, by Ambrogio Lorenzetti, Siena, Italy, 1338-39 Fiscal Rules and Fiscal Responsibility Frameworks for Growth in Emerging and Low-Income Countries Martine
More informationMarket size and market opportunity for agricultural value-added-services (Agri VAS)
ANALYSIS Market size and market opportunity for agricultural value-added-services (Agri VAS) February 2015 GSMA Intelligence gsmaintelligence.com info@gsmaintelligence.com @GSMAi Agenda Context Growth
More information