Sustainable growth

ASA International aims to drive growth, build resilience and achieve sustainable impact

Learn more about our digitalisation strategy

Drive Growth

  • Maximize current lending model (operations, pricing, costs)
  • Accelerate by Digital Financial Services (DFS)
  • Unlock further potential (new countries, products, positioning)
  • 2.8m clients and 37% growth in OLP
  • USD 57.2m underlying net profit
  • NIM expansion to 39.3%
  • Clients per officer increased to 308
  • Product innovation – microinsurance and MSME
  • Imminent DFS go-live in Ghana and Tanzania
  • Continued OLP and client growth
  • Launch customer app in Ghana
  • MSME rollout
  • Deposit mobilization

Build Resilience

  • Strengthen governance and empower people
  • Roll-out mature technology stack (CBS)
  • Expand regulatory framework: additional (deposit taking) licenses
  • Mature Three Lines of Defense model (3LoD)
  • Enhance financial resilience: tax, FX, equity, capital allocation
  • Strengthened ExCo and local leadership
  • Imminent T24 migration in Ghana and Tanzania
  • Reinvigorated Risk and Compliance functions
  • Improved cost-income ratio to 56.8%
  • Reduced ETR to 45.6%
  • Strengthened equity base to USD 161.8m
  • T24 migration in Tanzania and Kenya
  • Further selective leadership strengthening
  • Embedding risk and compliance frameworks

Achieve Sustainable Impact

  • Financial performance (Profit)
  • Social impact (People)
  • Environmental sustainability (Planet)
  • Robust profitability levels
  • Joined the Client Protection Pathway
  • Improved SPI to 88%
  • 285,000+ community programme participants
  • Climate targets met in renewable energy, climate action, capacity building, e-mobility and waste management
  • Publish Sustainable Finance Framework
  • Develop full sustainability strategy and improved impact measurement framework
  • Complete climate and community targets