We use four major categories of resources
to do business and achieve our purpose.
In this way, we create sustainable
opportunities for our stakeholders, which
leads to positive change.
Our services and offerings rely on cash flow.
We collect money through funding mechanisms such
as bonds, deposits, dividends and reinvestments.
We use money responsibly in our engagement with
customers to facilitate transactions, to earn interest
and to invest. We apply this principle in the Group to
make acquisitions and pay dividends.
Our branches, offices, call centre, ATMs, cash
express machines and cash form part of the
physical infrastructure that we use to operate.
They give us a base to securely and conveniently
interact with customers, including through
expanding data facilities and networks that
provide digital infrastructure for online and mobile
HUMAN, INTELLECTUAL, SOCIAL AND RELATIONSHIP CAPITAL
Our purpose statement emphasises our role as
Connectors of Positive Change. We engage with
our stakeholders to bring innovation, service
improvement and empowerment. By using these
relationships, knowledge and ethical behaviour we
can increase systemic awareness and
responsiveness, for example through COVID-19
We are a relatively modest consumer of natural
resources in our business activities. However, the
indirect impact of natural disasters such as
droughts can affect our business significantly.
We provide credit and insurance to businesses
that predominantly rely on natural resources
and are at risk of climate change impacts. These
include industries such as mining, agriculture,
fishing and construction. We manage our
exposure through an Environmental and Social
Management System (“ESMS”), which guides
credit allocation and lending activities.
We provide a range of financial services to individuals in all income groups, and
commercial customers in the three countries in which we operate:
we facilitate payments
LOANS, CREDIT AND DEPOSITS:
we provide credit, loans and savings or investment products
we invest and manage assets on behalf of customers
we provide investment banking and advisory services
we provide short and long term insurance products
FOREX AND TRADE FINANCE:
we provide currency access to global markets
The Capricorn Way defines our shared culture based on a set of values and
behaviours. These ensure that our outcomes are in the best interest of the
Group and our stakeholders.
Our governance and risk management capability supports ethical and
effective leadership. The board ensures that Capricorn Group remains a
sustainable, well performing and legitimate business.
Our four strategic choices guide decisions and trade-offs in a continuously
evolving operating context in Namibia, Botswana and Zambia. These
choices are supported by our focus on operational excellence.
Our engagement with stakeholders informs what we regard as material for
the Group to continue creating value. Our eight material matters define
risks and opportunities, and are integrated into our governance structures
and strategic approach.