| Type | Book Section - Banking in Southern Africa |
| Title | Banking in sub-Saharan Africa – Challenges and Opportunities |
| Author(s) | |
| Publication (Day/Month/Year) | 2013 |
| Page numbers | 29 |
| Publisher | European Investment Bank |
| URL | http://www.bei.org/attachments/efs/economic_report_banking_africa_en.pdf#page=33 |