CHAIRMAN's REPORT
 

CHAIRMAN’S REPORT TO THE ANNUAL GENERAL MEETING OF THE AFRICAN UNION OF HOUSING FINANCE (AUHF) HELD IN JOHANNESBURG, SOUTH AFRICA

8 SEPTEMBER 2011

INTRODUCTION 

Ladies and Gentlemen, good morning.  I wish to warmly welcome you all to the Annual General Meeting of the AUHF held here in Johannesburg, on 8 September 2011.  I believe we have twenty members present – as such, we have a quorum and may proceed. 

PROGRESS REPORT – ACTIVITIES SINCE SEPTEMBER 2010

HANDOVER TO FINMARK TRUST (November – December 2010)

As we agreed at our AGM last year, FinMark Trust was appointed to provide strategic and administrative support to the AUHF, taking over from Mrs Felicity Cawley.  The handover to FinMark Trust was done before the end of December 2010 deadline.  Mr Coovadia met with Mrs Cawley and Mrs Rust at the offices of the Banking Association of South Africa to define the terms of the handover.  This involved a few details:

 

  • Bank account: The AUHF’s bank account has been moved to the Killarney, Johannesburg Branch of FNB, so that it is accessible to the Banking Association of South Africa, which manages the AUHF accounts.  Further, internet banking facilities have been secured to reduce the need for printed cheques and expedite payment processes.
  • Contact details: Some of the contact details of the AUHF have changed to reflect the new Secretariat arrangements.  email  AUHF.kecia@iafrica.com / cell +2783-785-4964 / tel. +2711-447-9581 / fax +27-86-685-7041.  For administrative matters, contact Andrea van der Westhuizen at FinMark Trust’s main offices, tel. +2711-315-9197 or email andreaw@finmark.org.za
  • Domicilium of the AUHF:  This has been formally changed to the address of the Finmark Trust – that is,  AUHF, c/o FinMark Trust, PO Box 61674, Marshalltown 2107, South Africa.

FINMARK TRUST CONFERENCE ON THE HOUSING FINANCE ACCESS FRONTIER (March 2011)

In March 2011, the FinMark Trust held a conference on the use of FinScope data to determine, among other things, the demand for housing finance.  The morning of the second day was dedicated I am told to housing finance.  Because of FinMark Trust’s relationship with the AUHF, AUHF members were explicitly invited to attend – the conference was free.  A few did participate – from the Botswana Housing Corporation, the Tanzania Mortgage Refinance Company, and CBZ Bank in Zimbabwe.  The conference offered a useful opportunity for members to convene between our annual events.  Hopefully we will be able to participate in larger numbers in more of these events in the future.

WHARTON SCHOOL HOUSING COURSE (April 2011)

In April 2011, we lent our support to the African Housing Finance Workshop, a one week course held by the International Housing Finance Programme of the Wharton School (University of Pennsylvania), at the Kenya School of Monetary Studies.  The course was sponsored by the World Bank and the FinMark Trust’s Centre for Affordable Housing Finance in Africa.  The event was a success and a number of AUHF members attended.  Our profile at the event also led to a new member joining the AUHF.  We are sure this partnership will continue to bear fruit into the future.

MEETING WITH SHELTER AFRIQUE (April 2011)

In April 2011, I had the occasion to be in Nairobi, Kenya on the invitation of Mr Alassane Ba, the MD for Shelter Afrique (S’A). I was joined and well supported by Mr Vinson Hailulu. We also had company of the Deputy Cabinet Minister under which NHE falls. My invitation to Nairobi was to present AUHF and to discuss the possibility of Shelter Afrique becoming a member.  I must say we were most welcomed by our host, Mr Ba and his team. After we made our presentation came our turn to learn about Shelter Afrique.

Shelter Afrique is an organization formed through a Public Charter and has membership of forty-two (42) countries across Africa. Members subscribe for shares in S’A and vote according to their shareholding. S’A finances the development of houses and related buildings and supporting infrastructure. They have supported projects in Kenya, Namibia, Zambia, Zimbabwe and a lot many countries in West Africa. S’A will be embarking on a number of road shows especially in Southern Africa to create awareness for their business.

I am told they are working hard to realize a geographically balanced financing portfolio. I was informed they have as their consultant at DBSA a certain Mr Mandla Gantso through whom they hope to make inroads into Francophone Africa. S’A was planning to hold a symposium from 13th to 16th June under the theme “Mortgage Industry in Africa”

I had the liberty to invite Shelter Afrique to our Conference and AGM and I am glad they are attending. At the end Mr Ba expressed the desire for S’A to sign up for membership of AUHF and I am sure they will do just that before they return to Kenya at the end of this week. We mutually agreed to explore the possibility of synchronizing our conferences and symposia for synergistic and mass appeal drive.

2011 AUHF AGM IN SOUTH AFRICA (September 2011)

By the time I read this, we will have just had our Annual Conference, with one more event, the site visit to Cosmo City, to follow tomorrow.  I am sure we have all enjoyed a hectic but productive week.  A few statistics on this year’s event:

  • Total number of delegates: 83
  • Number of AUHF members represented: 20
  • Number of speakers: 20
  • Number of non-AUHF delegates: 50
  • Number of countries represented: 18

The secretariat has worked hard to prepare for this conference and AGM and for that I would like us all to warmly applaud them under the most able headship of Kecia Rust. Through the secretariat we had an array of speakers and delegates from different countries and organizations. This is indeed positive, as we have all been exposed to the breadth of expertise beyond our normal access.  It is my hope that the participation of some will lead towards their future interest in becoming members.  Specifically, the Shelter Afrique, FMO, and Select Africa are all organisations that have expressed interest in membership with the AUHF.  I hope the success of our conference will  encourage them to join our union.

We must express gratitude to First National Bank for their generous sponsorship of the cocktail function on Monday evening. We are also grateful to our South African hosts, the Banking Association of South Africa, the Home Loan Guarantee Fund, the National Housing Finance Corporation, and the Mpumalanga Economic Growth Agency, for their sponsorship of the dinner last night.

There is much to think about following these past two days of input from the various speakers.  I am sure you all have many ideas for how you might implement some of what you’ve learned in your countries.  I hope our group discussions, which we’ll have as part of this AGM, will enable us to identify a set of clear strategies for action in the next twelve months.  I know our Secretariat is up to the task.  I would urge you all to think creatively about how we might use our collaboration to further our individual interests in our own local contexts.

RELATIONSHIPS WITH OTHER REGIONAL BODIES

We are delighted that four important development finance personnel attended our conference this year as speakers. 

·         Ms Bonnie Hewson, Chief Urban Finance Branch, UN Habitat, is delivering the keynote address on a credit enhancement programme that she’s putting together with the Cities Alliance, World Bank, Habitat for Humanity International and Millennium Cities Initiative

·         Mr Gerhard Engel, FMO, is participating in a panel on housing finance investments in Africa

·         Mr Friedemann Roy, Senior Housing Finance Specialist, World Bank, will speak on prudential rules for housing finance in Africa

·         Mr Samuel Maimbo, Lead Financial Sector Specialist for Africa at the World Bank, will speak on mobilizing housing finance investments in Africa – this is one week before he launches his book at a conference in Ethiopia. 

These and the many other speakers that joined us, all funded their travel and accommodation themselves, and have asked for no honorarium.  It is my hope that this engagement will lead to greater collaboration in the future.


The AUHF continues its membership in the International Union for Housing Finance.  Kecia Rust is liaising activity with the IUHF’s Economic Advisor, Ms Paloma Repullo and feeding AUHF news and information for international dissemination through the IUHF. 

SECRETARIAT PROGRESS

The FinMark Trust has been working with the AUHF, providing Secretariat services and strategic support, since the AGM last year.  Their contract was officially signed on 26 January 2011, but extends from 1 November 2010 until 31 October 2011.  At our Exco meeting earlier this week, we were provided with the following feedback:

 

Task

Activities (November 2010-September 2011)

Development & circulation of a monthly newsletter on housing finance in Africa

Seven editions published and circulated to members (first one in January 2011).

Engagement with the IUHF to ensure that member country profiles and other AUHF issues are well represented in the international body.

Periodic teleconferences held with IUHF Economic Advisor.  Documents sent to IUHF for inclusion on website.

Support to the AUHF Exco, including the preparation of agenda items, drafting of minutes, circulation of notes to members, etc.

AUHF Exco (28/2/11) held and notes circulated to members.

Preparations for first AUHF Exco (5/9/11) underway.

Preparation towards the AUHF Exco meetings, the AGM and annual Conference.

Took over full management of preparations for AUHF AGM and Conference after MHFCo was unable to meet their commitment.  Preparations underway.

Pursuit of new members to the AUHF and development of new membership policy.

Five new members have signed up since last AGM; of these, four since last Exco.  Conversations with at least three other interested parties currently underway.  A specific strategy will be to target BOLESWANA members.

Promotion of partnerships with donors, DFIs, and other facilitative bodies working in the housing finance sector.

Invited speakers from UNHabitat, FMO, Select Africa and the World Bank to participate in the Annual Conference.

Promotion of the Wharton Housing Finance Course

Successful course held in April 2011.  AUHF included as a ‘partner’ and members received 10% discount on fees.  This led to one new member of the AUHF.  Next offering to be held at University of Cape Town in October 2012.

Responses to AUHF member requests for information or networking; ongoing general networking; etc.

No requests received.

Administrative support including the management of membership, issuing invoices for membership dues and liaising with the Banking Association of South Africa in the management of accounts

Handover from Felicity Cawley completed and new systems developed.  Articles of Association were reviewed and recommendations presented to 28/2/11 Exco.  Identification and rectification of governance problems and decisions not implemented.

Recovery of arrears: R80 903.23 for three members for years previous to 2011/12.  17 Members paid up in 2011/12.

Audit completed.  Amendments to Articles of Association to be discussed at this Exco.

In addition, the following specific projects were outlined for 2010/2011:

 

Task

Activities (Jan - September 2011)

Two housing finance sector studies in AUHF member countries outside of SADC with coordination and oversight provided by CAHF

Housing Finance Sector Study for Benin was commissioned and completed.  Currently being edited.  Special seminar to be held in Benin in September 2011.  Housing Finance Sector Study for Ghana was not yet commissioned, due to budget constraints arising from membership arrears.  We can now undertake this.

One housing finance sector study in AUHF member country within SADC (AUHF to cover 50% of the costs of this study)

Housing finance sector study for Zimbabwe commissioned and completed.  Currently being edited.

 

MEMBERSHIP

The membership of the Union stands at 34, made up of 33 institutions from 15 countries and one honorary member.  Annexure B provides the up to date membership list.

NEW MEMBERS & EXPRESSIONS OF INTEREST

Since our last AGM, we have five new members. 

·         Housing Finance Bank Ltd., in Uganda, joined as a member in January 2011.  Mr David Dansor is the AUHF representative. 

·         Tanzania Mortgage Refinance Company.  Mr Rished Bade, the CEO, is the AUHF representative.

·         Safetrust Savings & Loans Limited joined in May 2011.  Mr Yinka Adeola is the AUHF representative.

·         Homemakers Malawi Limited, joined in August 2011.  Mr Dick Chagwamnjira and Mr Barnett Chirwa are the representatives to the AUHF.

·         Gauteng Partnership Fund has recently applied to join.  Mr Ismail Karr is the representative to the AUHF.

Earlier this year, the Rwanda Housing Bank was taken over by the Rwanda Development Bank.  The Rwanda Development Bank has reconfirmed its membership in the AUHF and paid all the arrears of the Rwanda Housing Bank.  A representative of the RDB will be present at the Conference this week.

NBS Bank Ltd in Malawi sent a formal letter cancelling their membership in April 2011.  They have invited us to approach them again in a year’s time.

Expressions of interest have been received from:

·         Pan African Building Society in Zambia

·         Lesotho Housing and Land Development Corporation

·         Shelter Afrique, whom I hope their delegate has been empowered to sign up membership.

We are engaging with these enquiries on an ongoing basis to ensure that they have sufficient information to enable a decision to join the AUHF.

SUBSCRIPTIONS

For the 2011/12 financial year, subscriptions have been received from 17 members (R291,720) with fees for another 14 members (R238,680) still outstanding.  We have not billed Barclay’s Bank of Ghana and Savings & Loans Kenya Limited because they are more than three years outstanding and (1) we have not found a contact at Barclay’s Bank; and (2) Savings & Loans Kenya is reviewing their situation although it looks unlikely whether they will continue.  

 

 

I attach a detailed Age Analysis for your review.

Clearly an important opportunity for enhancing the budget of the AUHF exists within the collections of arrears outstanding.  I hope that with your help we will resolve these arrears, so that we have a full budget with which to undertake our activities.

AUHF POLICIES

The following issues were addressed at our Exco this week.  I will report back on them verbally:

 

1.                   Resolution regarding unpaid subscriptions

 

2.                   EXCO Term: At our last meeting, we confirmed that the EXCO would hold a two-year term, as agreed at the 2008 AGM.  We have now worded this amended approach into our articles.  As such, we will not vote for a new EXCO this year – we will, however, vote for new office bearers.

 

3.                   EXCO Size: At the last meeting of our EXCO, in February 2011, we discussed the status of Mr E Graham from the SSHFC in The Gambia, who was elected in absentia at the September 2010 AGM.  Then, we understood that he had been replaced by Mr Tambul Danso.  We have since been informed that Mr Danso is no longer at the SSHFC.  We implored the new SSHFC representative to the AUHF, Mr Raymond Njai, to clarify the position, but have not yet heard back from him.  According to our Articles, membership to EXCO is an individual assignment:

 

Clause 6.2 All members of the executives shall be individuals and registered member of the Association.

 

(Clause 10) A member of the Executive shall vacate his office before the expiry of his period of office :

10.1        If he resigns as member of the Executive;

10.2       If he is convicted of any offence which in the opinion of the Executive renders him an unfit or improper person to continue as a member of the Executive;

10.3       If he is absent, without leave of the Chairman of the Executive, for three consecutive meetings of the Executive;

10.4      If he is deregistered as a member as provided for and as envisaged in the Rules of the Association; or

10.5     If he is sequestrated.

 

On this basis, Exco has accepted that Mr E Graham is no longer a member of our EXCO.  We will send a letter on this basis to Mr Graham, care of Mr Njai, to officially confirm our position.

 

4.                   Review of the Articles of Association:  We have reviewed the Articles of Association for the AUHF to confirm if we are aligned with the requirements.  A proposed amendment is ready for consideration by this AGM.

CONCLUSION

May I take this opportunity to thank you all for making an effort to attend this AGM and our Conference in Johannesburg, South Africa.  I wish you all safe travels home and hope that we might find opportunities to get together in the course of the year before our next AGM.

That concludes my report and I move for its adoption.

Reginald Motswaiso (Chairman 2010/2011)

AUHF MEMBERSHIP LIST: 5 SEPTEMBER 2011

2011/ 12

Company

Representative

Title

Tel

Fax

E-mail addresses

Postal Address

Physical Address

Joined from

 

Abbey Building Society Limited

Mrs Rose A Okwechime

CEO

234 1 587 3740 / 587 1493

234 1 545 7116

nkwuka@msn.com; abbeybs@mwebafrica.com; Mr Madu Hamman - madu@hotmail.co.uk

No 19 Warehouse Road, Apapa, Lagos, Nigeria

No 19 Warehouse Road, Apapa, Lagos, Nigeria

2006/04/01

 

Banque Rwandiase de Developpement (The Rwanda Housing Bank incorporated on 26/04/2011)

Jack Nkusi Kayonga

CEO

250 078 830 0125; mobile: 250 788 307 7967

 

j.kayonga@brd.com.rw; Hector T Mutijima, Director of Corp. Affairs -  h.mutijima@brd.com.rw

Rwanda

 

2006/06/27

 

Barclays Bank of Ghana Ltd

Benjamin Dablah

MD

233 266 4901-4  or 233 21 664 155

233 266 9254

barclays.ghana@barclays.com;  Clement.Ofori-Amanfo@barclays.com

P O Box 2949, Accra, Ghana

High Street, Accra, Ghana

30/06/2006

 

Botswana Building Society

Mr Pius Molefe

 

267 397 1396

267 390 3029

molefep@bbs.co.bw

P O Box 40029, Gaborone, Botswana

 

2006/06/27

Executive

Botswana Housing Corporation

Mr Reginald M Motswaiso

CEO

267 360 5113

267 391 4101

rmotswaiso@bhc.bw; vmandoze@bhc.bw

P O Box 412, Gaborone, Botswana

Cnr Mmaraka & Station Road, Gaborone

2006/11/20

Executive

CBZ Bank (formerly CBZ/Building Society)

Mr Colin Chimutsa

MD

263 4 705 001-9 / 707 230 (D/L)

263 4 705 999

cchimutsa@cbz.co.zw; PA: Emily Mandigo - emandigo@cbz.co.zw

P O Box 1887, Harare, Zimbabwe

7 Selous Avenue, Harare

2006/01/20

 

Centage Savings and Loans Limited (Mortgage Bankers)

Mr Johnson N Gabriel

CEO

234 1 280 6889 / 234 1 270 4686 / 234 1 270 5382

234 1 270 5384

hilekaan@yahoo.com; nedumachinihu@yahoo.com; Company Secretary: Mr Chinedum Achinihu - nedumachinihu@yahoo.com

13c Ligali Alrinde Street, Victoria Island, Lagos, Nigeria

13c Ligali Alrinde Street, Victoria Island, Lagos, Nigeria

2008/06/05

 

Central Africa Building Society (CABS)

Mr Kevin Terry

MD

263 4 883 823

263 4 883 804

kevint@cabs.co.zw; Underus Hove - underushove@cabs.co.zw

P O Box 2798, Harare, Zimbabwe

 

2005/04/15

 

FBC Building Society

Mr Felix Gwandekwande

CEO

263 4 704462/81

263 4 756 799

felix.gwandekwande@fbc.co.zw

P O Box 4041, Harare, Zimbabwe

6th floor, FBC Centre, 45 Nelson Mandela Ave, Harare, Zimbabawe

2005/06/07

 

First National Bank of South Africa Limited (FNB Housing Finance, Smartbond)

Mr Marius Marais

CEO

27 12 683 6746 / 13

27 12 388 2174

marius.marias@fnb.co.za; PA: Anusha - Akoovarjee@fnb.co.za

P O Box 74981, Lynnwood Ridge, 0040, South Africa

 

2005/06/24

 

Fund for Housing Foment

Mr Rui Costa

CEO

258 21 429 612 / 326 626

258 21 307 119

reimachenguana@ffh.gov.mz; Asst CEO: Mr Reinaldo Machenguana - reinaldo.machenguana@gmail.com

Albert Lithuli Avenue nr. 962, Maputo, Mozambique

Albert Lithuli Avenue nr. 962, Maputo, Mozambique

2006/06/08

NEW MEMBER

Gauteng Partnership Fund

Ismail Karr

 

011 290 6637

011 290 6696

ismailc@gpf.org.za; CEO: Kutoane Kutoane - KutoaneK@gpf.org.za

82 Grayston Drive, Sandton, 2196, South Africa

82 Grayston Drive, Sandton, 2196, South Africa

2011/08/18

Executive

HFC Bank (Ghana) Limited

Mr Asare Akuffo

MD

233 21 242 090-4

233 21 242 095

hfcomp@hfcbank.com.gh; aakuffo@hfcbank.com.gh; www.hfcbank-gh.com; 

P O Box CT4603, Cantonments, Accra, Ghana

 

2006/06/15

 

HFC Kenya Limited

Mr Frank Ireri

 

254 20 310 056

254 20 243 878

frank.ireri@housing.co.ke; PA: Ms Margaret Wangui Adego - margaret.adego@housing.co.ke

P O Box 30088, 0010, Nairobi, Kenya

Rehani House, Kenyatta Avenue/Koinange Street, Nairobi

2007/03/29

 

Home Finance Company of the Gambia Limited

Mr Omar A Sarr

CEO

220 4 376 376 / 398 264

220 4 398 349

Oa_sarr@hotmail.com; osarr@hfc.gm

P O Box SK/2362, Serrakunda, The Gambia

2nd Floor, Trust Bank Building, Westfield Junction, Serrakunda

2009/05/12

Executive

Homeloan Guarantee Company

Mrs Ethel Matenge-Sebesho

 

27 11 888 1520;  Finance Division: Creditors Clerk, T - 011 888-1650, F - 011 782 3464

27 11 782 3464

ethel@hlgc.oc.za; CEO: Dr Charlene Lea (T) 27 11 888 1650; (F) 27 11 782 3464 charlene@hlgc.co.za;

178/180 Beyers Naude Drive, Risidale, South Africa

178/180 Beyers Naude Drive, Risidale, South Africa

2006/06/27

NEW MEMBER

Homemakers Malawi Limited

Barnett Chirwa / Dick Chagwamnjira

CEO

265 999 928 762

265 841 852

dchagwamnjira@yahoo.co.uk; homemakers@malawi.net

P O Box 485, Blantyre, Malawi

 

2011/08/03

 

Honorary member

Mrs Sharon Trail

 

1 910 295 1743; mobile: 27 83 290 1070

1 910 295 1743

trail@global.co.za; trail@pinehurst.net

200 Pine Vista Drive, Pinehurst, North Caroline 28374, United States of America

200 Pine Vista Drive, Pinehurst, North Caroline 28374, United States of America

 

NEW MEMBER

Housing Finance Bank Ltd

Mr David Dansor Ninyikiriza

 

256 41 425 9651

256 41 423 6676

dansord@housingfinance.co.ug; CEO: Mr N Okwirm; Medad Mwesigwa - mmwesiqwa@housingfinance.co.ug

P O Box 1539, Kampala, Uganda

Plot 4, Wampewo Avenue, Lower Kololo Terrace, Kampala, Uganda

2011/01/17

 

Malawi Housing Corporation

Mr Mark Ndaferankhande

GM

265 1 876 822

265 1 872 054

ggmgolden@yahoo.com; mhc@malawi.net

P O Box 414, Blantyre, Malawi

 

2006/04/26

Executive

Mauritius Housing Company

Mr Manilall Seetohul

MD

230 212 5802; mobile: 230 255 8403

230 212 3325

mhc@mhc.mu; m.seetohul@mhc.mu; k.narroo@mhc.mu

P O Box 478, Port Louis, Mauritius

 

2006/01/05

Executive

Mpumalanga Housing Finance Company

Mr G J Dladla

CEO

27 13 752 6328 /933 3732/4; J Dladla (mobile): 27 82 604 1487; Mirriam (mobile): 27 82 604 1485; Nelspruit Office:  27 13 755 4642

27 86 724 8920 / 27 13 933 3549/ 3124; Nelspruit Office: 27 13 752 5904

gjdladla@mhfco.com; gjdladla@gmail.com; PA: Denise Dias on dias@mhfco.com or 082 602 7111

P O Box 874, Bronkhorstspruit, 1020, South Africa

 

2002/01/31

 

National Housing Corporation Kenya

Mr James Wagema Ruitha

MD

254 2 318 302 / 318 760

254 020 311 318

jruitha@nhckenya.co.ke; zmwazo2003@yahoo.co.uk; rkoitie@nhckenya.co.ke

P O Box 30257-00100, Nairobi, Kenya

NHC House, Aga Khan Walk, Nairobi

2005/07/22

 

National Housing Corporation Tanzania

Mr N Malisa

Act DG

255 22 285 1433 / 1433 / 1135 (D/L)

255 22 285 1442

dpd@nhctz.com

P O Box 2977, Dar Es Salaam, Tanzania

 

2006/06/27

Executive

National Housing Enterprise

Mr Vinson Hailulu

CEO

264 61 292 7111

264 61 292 7271

hailuluv@nhe.com.na;  PA: Maria Shililifa - shililifam@nhe.com.na

P O Box 20192, Windhoek, Namibia

 

2005/06/07

 

National Housing Finance Corporation (NHFC)

Mr Samson Moraba

CEO

27 11 644 9800; mobile: 27 83 600 2646

27 11 484 0081

samsonm@nhfc.co.za;

P O Box 31376, Braamfontein, 2017, South Africa

 

2006/06/27

 CANCELLED MEMBER

NBS Bank Ltd (cancelled membership, notified 05/04/2011)

Mr John Bisiwick

CEO

265 167 72035 / 676 222 or 676 152 (D/L); Weston Kusani (mobile): 1 836 4625

265 1 675 298

jsbiziwick@nbsmw.com; skamkosi@nbsmw.com; wkusani@nbswmw.com

P O Box 32251, Chichiri, Blantyre 3, Malawi

NBS House, Chichiri, Blantyre 3

2004-2009

NEW MEMBER

Safetrust Savings & Loans Limited

Yinka Adeola

CEO

234 1 2704863

234 1 2704866

info@sterlinghomesng.com

18 Keffi Stret, SW Ikoyi, Off Awolowo Road, Lagos, Nigeria

 

2011/05/20

 

Savings and Loans Kenya Limited

(Caroline Kariuki - left) new MD?

 

254 2 344 203/251 328

254 2 318 539

ckariuki@kcb.co.ke; savloan@kcb.co.ke; PA: Suzanne Yinda - Syinda@kcb.co.ke

P O Box 45129, Nairobi, Kenya

Lonrho House, 18th Floor, Standard Street, Nairobi

2006/06/15

Executive

Social Security & Housing Finance Corporation

Raymond a k Njai

MD

220 422 8688

220 422 9702

raymondaknjai@yahoo.com;  sshfc@gamtel.gm; dansot@sshfc.gm; tumbul36@hotmail.com; raynjai@hotmail.com

P O Box 570, Banjul, the Gambia

Social Security House, 61 ECOWAS Avenue, Banjul, The Gambia

2006/06/15

 

Swaziland Building Society

Mr Joseph V Ndlangamandla

CEO

268 404 2107

268 404 4836

jnv@sbs.co.sz

P O Box 300, Mbabane, Swaziland

 

2006/06/27

NEW MEMBER

Tanzania Mortgage Refinance Company Ltd

Rished Bade

CEO

255 754 777 006

 

rished.bade@tmrc.co.tz;

P O Box 7539, Dar-es-salaam, Tanzania

 

2011/04/04

Executive

The Banking Association, South Africa

Mr Cas Coovadia

MD

27 11 645 6700 / 4; Mobile: 27 82 445 2252; PA: 27 11 645 6706

27 11 645 6704/6

casc@banking.org.za; PA: Cheryl Naidoo -  cheryln@banking.org.za

P O Box 61674, Marshalltown, 2107, South Africa

3rd Floor, No 32 Sunnyside Ridge, Parktown, 2193

2006/06/27

 

Union Homes Savings and Loans PLCI

Mr E A Aikhorin

CEO

234 1 497 2186

234 1 497 2186

deremidaniel@yahoo.com

153 Ikorodu Road, Lagos, Nigeria

153 Ikorodu Road, Lagos, Nigeria

2007/07/11

 

ZB Building Society (formerly Intermarket Building Society)

Mr Sifiso Mahlangu

MD

263 4 250 336/ 753758/253059 or 0772 140 551/6

263 4 702 233

smahlangu@zb.co.zw; aratsauka@zb.co.zw; PA: Tracey Ziyavaya - tziyavaya@zbs.co.zw / Austin Ratsauka, Head Mortgages: aratsauka@zb.co.zw

P O Box 2594, Harare, Zimbabwe

Head Office, Finsure house, Cnr Sam Nujoma Street/Kwame Nkrumah Avenue, Harare, Zimbabwe

2006/06/15

 

 

 

 

 

 

 

 

 

 

 

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