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Tanzania Post Bank Case Study
DIFE AG at European Microfinance Week 2016
Aimée Suarez
WSBI Senior Adviser, International & Institutional Relations
Luxemburg, 16 November 2016
The Voice of Savings and Retail Banking
retail - regional - responsible ￭ retail - regional - responsible ￭ retail - regional - responsible
Tanzania Post Bank Case Study DIFE AG at European Microfinance Week 2016
Aimée SuarezWSBI Senior Adviser, International & Institutional Relations
Luxemburg, 16 November 2016
Africa:
42 members
in 27 countries
Americas: 15
members in 12
countries
Asia-Pacific:
23 members in 16
countries
Europe:
28 members in
23 countries
- Founded in 1924- Originator of the World Savings Day
Global reach
WSBI latest membership commitments
1st July 2016: Bangkok Resolution
23 September 2015: Washington Declaration
OVERVIEW
ESTABLISHED 1925
NBFI REGULATED BY BOT
675 MEMBER'S OF STAFF
1 MILLION CUSTOMERS:
i. 0.5 MILLION PREVIOUSLY EXCLUDED BROUGHT ON BOARD IN LAST 5 YEARS
ii. THROUGH TPB POPOTE, WASTAAFU LOAN, VICOBA, VSLA, INFORMAL GROUPS AND
GROUP LENDING
OUTREACH
60 BRANCHES
43 ATMS
(ACCESS TO OVER 200 UNDER UMOJA-SWITCH)
302 POS
200 POST OFFICE AGENTS
13 WESTERN UNION SUB-AGENTS
FINANCIAL INDICATORS
LOANS - 292
CUSTOMER DEPOSITS - 310
TOTAL ASSETS - 405
SHAREHOLDERS FUND - 52
(ALL FIGURES TZS BN)
COMPETITOR SNAPSHOT
18TH IN ASSETS
11TH PROFITABILITY
3RD LARGEST BRANCH NETWORK
MARKET PIONEER:
i. WASTAAFU LOAN
ii. TPB POPOTE
Tanzania Post Bank
Projects & Start Date
Description Output
1. ATM Uni Card- Oct 2016
Unique ID & ATM card aimed at Colleges & Universities
• 1 University Recruited
• 2000+ applicants in 2 weeks
• Several Universities in pipeline
2. UPI/CUP– April 2016
International Acquiring Payment Cards
• 200+ Transactions in the first 6 Months
3. EMV Cards Migrating the Bank’s Cards from Magnetic Stripe technology to Chip Cards
• Project started October 2016
7
Projects
Outcome & achievements
1. TPB POPOTE (Mobile Banking)
2. TPB POPOTE (Agency Banking)
3. ATM Services
Take time to educate your customers.
Incremental scale-up to manage start up costs.
360 degree knowledge of the channel (POS challenges leading to dip in business).
• Connectivity challenges.
• POS life-span.
Leverage channel:
• Customers have confidence in mobile banking.
• Largest player in UmojaSwitch network.
9
Lessons learned
WSBI Innovation Conference - 26-27 January 2017, Brussels
http://www.wsbi-esbg.org/Events/Innovation
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