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Financial and Other Statistics
2016
Concept for
‘Money-box-competition’
MISSION STATEMENT
To achieve and maintain price and financial system stability to foster sustainable economic development
i Financial and Other Statistics
Financial and Other Statistics iiContents
Table 1 Selected Macroeconomic Indicators 1Table 2 Commercial Bank Branches by Province 2Table 3 Technological Infrastructure 4Table 4a Annual Employment in Banks by Occupational Category and Sex 5Table 4b Annual Employment in Banks by Occupational Category and Province 7Table 5 Annual Employment in Commercial Banks by Province 8Table 6 Bank Deposits per Capita 8Table 7 Number of Deposit Accounts 9Table 8 Banking Lending Per Capita 10Table 9 Number of Borrowers from Commercial Banks by Province 10Table 10 Bank Lending by Economic Sector 11Table 11 Bank Lending by Institutional Sector 11Table 12 Yield Rates on Treasury Bills 12Table 13 Yield Rates on Bonds 12Table 14 Commercial Banks Lending Rates 13Table 15 Commercial Banks Deposit Rates 13Table 16 Commercial Banks Exchange Rates 14Table 17 Bank of Zambia and Bureau De Change Exchange Rates 14Table 18 Financial Stability Indicators; Commercial Banks 15Table 19 Payments Systems Transactions 15Table 20A Number of Financial Corporation by Provinces 16Table 20B Number of Non-Bank Financial Institutions 16Table 21 Financial Soundness Indicators for Leasing and Financial Companies 17Table 22 Financial Soundness Indicators for Building Societies 19Table 23 Annual Employment in Non-Bank Financial Corporations by Occupational Category and Sex 21Table 24 Annual Insurance Companies Employment by Occupational Category and Sex 23Table 25 Consolidated Annual Financial Sector Employment by Occupational Category and Sex 25Table 26 National Consumption of Fuels 27Table 27 Investment Pledges by Sector 29Table 28 Tourist Entries in Zambia's National Parks by Country 30Table 29 Area by Province 32Table 30 Population by Province 33
iii Foreword Financial and Other Statistics
Generally, statistics are important for planning purposes, analysis and to facilitate evidence based policy formulation and decision making. It is for this reason the Bank of Zambia publishes the booklet on financial and other statistics.
The booklet provides statistics on various aspects of the Zambian financial system and economy. This can be used by researchers, investors and the general public to gain insights primarily on developments in the financial sector.
The booklet supplements other Bank of Zambia publications, such as the Fortnightly Statistics, and annual reports and is also accessible on the Bank of Zambia website www.boz.zm.
Governor
Dr Denny Kalyalya
Financial and Other Statistics 1
Economic Indicators
GROSS DOMESTIC PRODUCT, GDP
GDP at Current prices (K'Millions)
Population
GDP Per Capita (Kwacha)
GDP at Constant Prices (2010 K'Millions)
GDP growth Rate (percentage)
Current Account (US$ Million)
PRICES
Exchange rates (US$)
Consumer Price Index (end year) 2009=100
Annual Inflation ( end year)
FISCAL SECTOR (K'Millions)
Total revenue and Grants
Total Domestic Revenue
Total Expenditure and Net Lending
Financing
2007
56,264.0
12,160,516
4,626.7
74,877.6
8.4
-320.6
4.0
81.3
9.0
10,626.0
8,522.0
11,210.0
109.0
2008
67,088.7
12,525,791
5,356.0
80,698.5
7.8
-767.6
3.8
94.7
16.6
13,338.9
10,595.5
13,949.8
735.5
2009
77,348.4
12,896,830
5,997.5
88,139.1
9.2
714.2
5.1
104.1
9.9
13,681.2
10,648.7
15,248.4
1,567.2
2010
97,215.9
13,092,666
7,425.2
97,215.9
10.3
1,376.9
4.8
110.9
6.5
14,533.7
12,107.0
16,421.9
1,888.0
2011
114,029.7
13,718,722
8,312.0
102,675.1
6.0
958.4
5.1
117.5
6.0
17,356.8
15,769.1
20,235.0
2,765.4
2012
131,271.9
14,145,327
9,280.2
110,450.3
7.6
1,247.9
5.2
126.1
7.3
21,794.6
19,900.6
26,339.6
4,469.3
2013
151,330.8
14,580,290
10,379.1
116,118.4
5.1
-218.4
5.5
135.1
7.1
24,984.2
24,532.3
32,326.2
7,338.7
2014
166,954.4
15,023,315
11,113.0
121,953.2
5.0
581.2
6.4
145.7
7.9
30,576.9
30,297.1
38,541.6
8,696.0
2015
183,381.0
15,473,905
11,877.4
125,003.0
2.9
-830.7
11.0
176.5
21.1
34,420.6
34,051.2
51,684.8
18,257.4
2016*
216,826.0
15,933,883
13,801.0
129,274.0
3.4
-928.7
9.9
189.6
7.5
39,409.7
38,884.6
55,846.0
12,483.1
Table 1: Selected Macroeconomic Indicators, 2007 - 2016
Source: Bank of Zambia, Ministry of Finance and Central Statistical Office*2016 - Preliminary figures
2 Financial and Other Statistics
Table 2: Commercial Bank Branches by Province, 2011 - 2016
Source: Commercial Banks
2016Commercial Banks
Access Bank
AB Bank
Bank ABC
Bank of China
Barclays Bank Plc
Cavmont Capital Bank
CITI Bank
Ecobank
First Allince Bank
First National Bank
Finance Bank
Indo-Zambia
Intermarket Banking Corp
First Capital Bank
Investrust Bank
Stanbic
Standard Chartered
United Bank of Africa
ZNCB
Total
2015
6
6
24
2
48
17
2
10
4
20
39
25
6
5
27
17
27
4
48
327
Lusaka
4
6
8
1
14
6
1
4
2
8
10
10
5
5
12
13
5
3
15
132
Central
0
0
1
0
4
0
0
0
0
2
2
2
0
0
1
2
0
0
3
17
Copperbelt
2
1
7
1
12
4
1
3
2
8
8
5
1
1
7
7
6
2
9
87
2011
5
1
20
1
48
15
2
4
4
5
34
14
4
2
16
12
17
3
45
252
2012
5
3
21
2
48
15
2
4
4
9
34
17
7
2
18
15
18
4
45
273
2013
5
4
22
2
45
15
2
6
4
12
34
22
5
3
25
17
17
4
47
291
2014
5
5
23
2
48
17
2
9
4
14
37
25
6
3
28
17
17
4
48
313
Eastern
0
0
1
0
4
1
0
0
0
1
3
2
0
0
1
1
0
0
4
18
Southern
0
0
2
0
7
0
0
1
0
3
5
2
0
0
3
3
3
0
9
38
Luapula
0
0
1
0
1
1
0
0
0
0
2
1
0
0
0
0
0
0
2
8
Northwestern
0
0
1
0
1
2
0
0
0
1
3
1
0
0
2
2
1
0
1
15
Muchinga
0
0
2
0
1
0
0
0
0
0
4
1
0
0
0
0
0
0
2
10
Western
0
0
1
0
1
0
0
0
0
0
2
1
0
0
1
0
1
0
2
9
Northern
0
0
1
0
2
3
0
0
0
0
3
1
0
0
0
0
1
0
1
12
Total
6
7
25
2
47
17
2
8
4
23
42
26
6
6
27
28
17
5
48
346
North-Western Copperbelt
Western
Southern
Lusaka
CentralEastern
Northern
Luapula
1587
17
38
9
18
12
10
8
132
CopperbeltABZ (2), ABB(1), ABC (7), BOC (1), BBZ (12),Cavmont (4), Citi (1), Eco(3),FBZ (8), FAB (2), FNB(8),FCB (1),Indo(5), Intermarket (1),Investrust (7), Stanbic (7),Stanchart (6), UBA (2), ZNCB (9)
North WesternABC (1),BBZ (1),Cavmont (2),FNB (1,)FBZ (3),INDO (1),Investrust (2),Stanchart (1),Stanbic (2),ZNCB(1)
WesternABC (1),BBZ (1),FBZ (2),INDO (1),Investrust (1),Stanchart (1),ZNCB (2)
SouthernABC (2), BBZ (7), ECO (1),FNB(3), Indo (2),Stanchart (3),ZNCB (9), Stanbic (3), INVESTRUST(3)
LusakaABZ (4), ABB (6), ABC (8), BOC (1),BBZ (14), Cavmont (6), Citi (1), Eco (4), FBZ (10), FAB (2), FNB (8),Indo (10), Intermarket (5), FCB (5), Investrust (12), Stanbic (13), Stanchart (5), Zanaco (15), UBA(3)
CentralBBZ (4),FBZ (2),ABC (1),ZNCB (3), INDO(2), Investrust (1), Stanbic (2), FNB(2)
EasternBBZ (4),ABC(1),Cavmont (1), FNB(1),FBZ (3),Investrust (1), Stanbic (1),Zanaco (4), INDO(2)
NorthernABC (1),BBZ (2),Cavmont (3),FBZ (3), Indo (1),Stanchart (1),ZNCB (1)
LuapulaABC (1),BBZ (1),Cavmont (1),FBZ (2), INDO (1)ZNCB (2),
Map 1: Bank Branch Distribution by Province as at 31st December 2016
Source: Commercial Banks
Muchinga
Muchinga ABC (2), BBZ (1),FBZ (4), Indo(1),ZNCB(2)
Financial and Other Statistics 3
Automated Teller Machines (ATMs)
Point of Sale (POS)
Mobile Phone Banking
Internet Banking
Others (e.g. mobile facilities)
Total
2015
967
6,342
1,041,911
110,006
9
1,159,235
Lusaka
426
4,873
1,015,099
121,370
15,904
1,157,672
Central
53
302
6,716
7,195
2,831
17,097
Copperbelt
260
1,393
76,056
58,888
9,713
146,310
2011
531
1,921
383,822
25,192
4
411,470
2012
629
1,847
530,786
24,468
4
557,734
2013
726
2,157
982,274
43,677
3
1,028,837
2014
863
3,192
976,353
81,322
9
1,061,739
Eastern
47
357
6,713
7,765
2,369
17,250
Southern
75
842
14,386
18,742
3,743
37,788
Table 3: Technological Infrastructure, 2011 - 2016
Source: Commercial BanksNote: Reporting of internet and mobile banking facilities system improvement in 2016
North-Western Copperbelt
Western
Southern
Lusaka
CentralEastern
Northern
Luapula
17,765146,310
17,097
37,788
5,587
17,250
7,987
4,237
1,157,672
Map 2: Total Technological Infrastructure 2016
Luapula
15
66
579
2,677
900
4,237
Western
16
75
1,694
3,161
640
5,587
Northern
25
54
1,939
5,128
841
7,987
2016
Northwestern
44
193
13,091
3,843
594
17,765
Muchinga
20
37
-
845
446
1,347
Total
981
8,192
1,136,273
229,614
37,981
1,413,041
Muchinga
1,347
4 Financial and Other Statistics
Service
Table 4A: Annual Employment in Banks by Occupational Category and Sex, 2007 - 2016
Occupational Category
1. Legislators, Senior Officials & Managers
2. Professionals
3. Technicians & Associate Professionals
4. Clerks
5. Service Workers & Shop & Market Sales Workers
6. Skilled Agricultural & Shop Fisheries Workers
7. Craft and Related Trade Workers
8. Plant & Machine Operators & Assemblers
9 . Elementary Occupations
10. Temporary Employees
11. Other
Total
Grand Total
Z
189
681
664
1,242
15
0
42
47
243
117
10
3,250
NZ
42
9
0
0
0
0
0
0
0
0
0
51
Z
50
339
474
906
0
0
9
20
19
61
12
1,890
NZ
3
0
2
1
0
0
0
0
1
0
0
7
Z
203
675
677
1,513
16
0
42
50
192
91
12
3,471
NZ
45
10
0
0
0
0
0
0
0
0
0
55
Z
62
368
502
1,130
0
0
9
18
18
41
13
2,161
NZ
3
1
1
0
0
0
0
0
0
0
0
5
Z
467
806
384
1,245
27
0
0
60
185
98
3,272
NZ
79
0
0
0
0
0
0
0
0
2
5
86
Z
195
580
316
1,002
2
0
0
0
0
124
6
2,225
NZ
5
1
0
1
0
0
0
0
0
0
0
7
Z
532
876
549
1,097
28
2
0
0
39
322
91
3,536
NZ
81
0
0
0
0
0
0
0
0
0
0
81
Z
214
640
470
876
3
0
0
0
1
201
7
2,412
NZ
3
0
0
1
0
0
0
0
0
0
0
4
Z
848
670
352
1,613
57
0
36
41
32
307
257
4,213
NZ
83
3
1
0
0
0
0
0
0
0
5
92
Z
385
460
275
925
18
0
1
4
2
274
234
2,578
NZ
107
6
0
352
0
0
0
0
0
0
37
502
Male
2007 2008 2009 2010 2011
Female Male Female Male Female Male Female Male Female
Z = Zambian NZ = Non ZambianSource: Commercial Banks
5,198 5,692 5,590 6,033 7,385
Financial and Other Statistics 5
Table 4A: Annual Employment in the Banks by Occupational Category and Sex, 2007 - 2016 (Cont’)
Occupational Category
1. Legislators, Senior Officials & Managers
2. Professionals
3. Technicians & Associate Professionals
4. Clerks
5. Service Workers & Shop & Market Sales Workers
6. Skilled Agricultural & Shop Fisheries Workers
7. Craft and Related Trade Workers
8. Plant & Machine Operators & Assemblers
9 . Elementary Occupations
10. Temporary Employees
11. Other
Total
Grand Total
Z
670
894
709
1,425
78
0
20
103
9
336
193
4,437
NZ
81
4
1
0
0
0
0
0
0
0
0
86
Z
441
584
595
1,144
43
0
0
1
2
210
130
3,150
NZ
13
2
11
0
0
0
0
0
0
0
0
26
Z
450
830
771
1,417
122
0
30
85
22
338
274
4,339
NZ
81
2
1
0
0
0
0
0
0
0
3
87
Z
221
524
645
1,296
96
0
1
8
6
228
202
3,227
NZ
13
0
0
0
0
0
0
0
0
0
2
15
Z
861
733
576
1,182
113
0
31
8
6
223
334
4,067
NZ
84
5
0
1
0
0
0
0
0
0
0
90
Z
599
541
542
1,137
66
0
3
0
5
148
198
3,239
NZ
15
0
0
0
0
0
0
0
0
0
0
15
Z
868
966
419
1,147
155
0
26
11
9
344
391
4,336
NZ
91
4
0
0
0
0
0
0
0
2
0
97
Z
550
734
399
1,135
74
0
1
0
4
275
377
3,549
NZ
17
0
0
0
0
0
0
0
0
0
0
17
Z
797
976
588
1,400
56
0
0
0
12
205
219
4,253
NZ
78
3
0
0
0
0
0
0
0
0
0
81
Z
504
720
544
1,298
6
0
0
0
0
184
51
3,307
NZ
17
0
0
0
0
0
0
0
0
0
0
17
Male
2012 2013 2014 2015 2016
Female Male Female Male Female Male Female Male Female
Z = Zambian NZ = Non ZambianSource: Commercial Banks
7,699 7,668 7,411 7,999 7,658
6 Financial and Other Statistics
Occupational Category
Executive Management
Senior Managers
Managers
Credit
Treasury
Finance
Risk and Compliance
Operations
Others
Clerical and general staff
Total
Lusaka
127
469
797
340
94
110
57
715
890
1,569
5,168
Central
0
4
17
0
0
0
0
24
39
131
215
Copperbelt
1
30
130
36
0
0
1
141
246
555
1,140
Eastern
0
3
14
0
0
0
0
19
30
138
204
Southern
0
4
36
0
0
0
0
36
64
221
361
Luapula
0
4
5
0
0
0
0
4
13
44
70
Western
0
1
8
0
0
0
0
4
17
61
91
Northern
0
2
13
0
0
0
0
8
16
111
150
North/W
0
4
11
0
0
0
0
7
29
122
173
Muchinga
0
2
7
0
0
0
0
6
12
59
86
Total
128
523
1,038
376
94
110
58
964
1,356
3,011
7,658Source: Commercial Banks
Table 4B: Employment in Banks by Occupational Category and Province, 2016
Financial and Other Statistics 7
Province
Lusaka
Central
Copperbelt
Eastern
Southern
Luapula
Western
Northern
Northwestern
*Muchinga
Total
2007
927
40
521
100
194
8
9
488
12
N/A
2,299
2008
1,003
28
306
6
52
7
9
28
185
N/A
1,624
2009
3,729
134
813
135
289
36
71
141
89
N/A
5,437
2010
4,052
133
843
132
297
48
62
135
106
N/A
5,808
2011
4,064
130
823
132
322
46
52
146
97
N/A
5,812
2012
4,750
133
870
147
335
51
57
151
106
N/A
6,600
2013
5,078
152
931
147
332
51
75
105
143
67
7,081
2014
5,273
170
1,015
168
346
63
80
124
154
72
7,465
2015
5,522
207
1,111
207
375
74
96
138
179
90
7,999
2016
5,168
215
1,140
204
361
70
91
150
173
86
7,658
*Muchinga Province was created in 2011, hence data available after 2012Source: Commercial Banks
Table 5: Annual Employment in Commercial Banks by Province, 2007 - 2016
Note: Data for Acces Bank, African Banking Corporation, Investrust, ZANACO and Finance Bank were not available for 2007 - 2008.
Year End
2007
2008
2009
2010
2011
2012
2013
2014
2015
2016
Total Deposits ( K’ Million)
9,279.1
11,326.1
13,247.5
17,151.4
20,959.1
25,161.7
30,906.9
34,942.5
46,410.5
46,648.9
Nominal Deposits per Capita
763.0
904.2
1,027.2
1,310.0
1,527.8
1,778.8
2,119.8
2,325.9
2,999.3
2,927.7
Real Deposits per Capita
85.7
54.5
103.8
201.5
254.6
243.7
298.6
294.4
142.1
392.0
Source: Commercial Banks and Central Statistical Office
Note: Values have been revised into rebased currency
Table 6: Bank Deposits per Capita In Kwacha, 2007-2016
8 Financial and Other Statistics
Province
Lusaka
Central
Copperbelt
Eastern
Southern
Luapula
Western
Northern
Northwestern
Muchinga
Total
Province
Lusaka
Central
Copperbelt
Eastern
Southern
Luapula
Western
Northern
Northwestern
Muchinga
Total
Demand
161,015
8,851
113,991
8,149
24,641
3,377
4,277
6,292
9,769
N/A
340,362
Demand
246,286
18,702
146,244
15,814
36,239
5,590
6,604
6,509
25,552
3,136
510,676
Savings
487,856
49,539
183,651
55,313
79,547
19,020
21,179
40,365
30,803
N/A
967,273
Savings
952,139
84,932
318,131
109,989
151,554
41,925
39,138
51,461
55,009
34,714
1,838,992
Time
13,816
523
5,934
361
1,144
126
314
416
456
N/A
23,090
Time
15,941
1,042
8,319
880
2,026
254
327
363
1,523
156
30,831
Total
662,687
58,913
303,576
63,823
105,332
22,523
25,770
47,073
41,028
N/A
1,330,725
Total
1,214,366
104,676
472,694
126,683
189,819
47,769
46,069
58,084
82,084
38,006
2,380,499
Demand
228,220
18,617
136,950
9,641
31,494
3,416
7,350
8,402
16,951
N/A
461,041
Demand
287,538
24,298
172,187
18,883
44,844
7,455
8,690
9,107
28,673
8,840
610,515
Savings
581,982
51,527
210,828
64,990
96,893
25,926
22,690
70,667
30,935
N/A
1,156,437
Savings
1,031,283
89,325
345,254
109,938
161,868
39,554
42,807
48,167
53,747
38,258
1,960,201
Time
150,757
519
36,612
406
1,307
141
323
375
588
N/A
191,028
Time
22,324
1,703
10,862
1,409
2,902
376
546
451
2,485
282
43,340
Total
960,959
70,663
384,390
75,037
129,694
29,483
30,363
79,444
48,474
N/A
1,808,507
Total
1,341,145
115,326
528,303
130,230
209,614
47,385
52,043
57,725
84,905
47,380
2,614,056
Demand
213,276
14,596
139,296
11,601
34,849
3,919
5,401
5,756
18,327
2,435
449,456
Demand
336,487
24,657
194,813
20,471
54,298
9,834
11,895
8,365
34,154
5,199
700,173
Savings
775,446
78,232
274,598
91,018
126,001
35,879
32,310
44,835
47,978
31,742
1,538,039
Savings
1,057,579
98,131
360,971
122,954
181,862
45,594
54,053
51,656
56,609
38,442
2,067,851
Source: Commercial Banks
Source: Commercial Banks
Table 7: Number of Deposit Accounts, 2011 - 2016
Table 7: Number of Deposit Accounts, 2011 - 2016 (Cont’)
Time
43,884
823
15,147
501
1,966
172
402
323
1,065
96
64,379
Time
21,377
2,176
14,820
1,882
3,923
486
693
521
2,796
306
48,980
Total
1,032,606
93,651
429,041
103,120
162,816
39,970
38,113
50,914
67,370
34,273
2,051,874
Total
1,415,443
124,964
570,604
145,307
240,083
55,914
66,641
60,542
93,559
43,947
2,817,004
2011
2014
2012
2015
2013
2016
Financial and Other Statistics 9
End Period
2007
2008
2009
2010
2011
2012
2013
2014
2015
2016
Total Credit (K’ Million)
7,573.1
9,919.1
10,985.8
12,622.3
17,089.2
19,952.4
28,728.2
31,986.7
40,415.8
41,198.5
Bank Lending per Capita
622.8
791.9
851.8
964.1
1,245.7
1,410.5
1,970.3
2,129.1
2,611.9
2,585.5
Real Credit per Capita
70.0
47.7
86.0
148.3
207.6
193.2
277.5
269.5
123.8
346.2
Table 8: Bank Lending per Capita in Kwacha, 2007 - 2016
Central
Copperbelt
Eastern
Luapula
Lusaka
North
North-Western
Southern
Muchinga
Western
Total
2007
2,400
35,571
1,854
767
38,723
558
2,323
5,671
231
88,098
2008
2,619
29,379
2,062
865
38,763
561
2,178
5,784
266
82,477
2009
5,321
37,311
4,577
1,518
59,432
1,848
2,242
10,369
888
123,506
2010
5,922
39,968
6,638
2,346
61,610
3,352
2,893
11,503
1,342
135,574
2011
9,173
44,239
11,895
5,579
93,601
7,926
6,648
16,908
6,993
202,962
2012
14,398
64,333
16,169
7,354
111,767
9,069
10,861
17,760
2,097
8,397
262,205
2013
15,342
73,349
16,016
6,012
125,510
8,687
13,642
24,998
3,576
5,325
292,457
2014
13,976
69,969
17,505
7,440
165,374
8,514
13,027
21,445
4,742
6,716
328,708
2015
15,202
68,234
16,268
5,368
130,954
6,377
14,803
23,175
4,200
5,532
290,113
2016
10,110
67,156
9,807
5,642
128,437
6,172
9,475
17,820
3,391
5,437
263,447
Note: The data for 2010 do not include First Alliance Bank Source: Commercial Banks
Table 9: Number of Borrowers from Commercial Banks by Province, 2007 - 2016
10 Financial and Other Statistics
Province
Note: Values have been revised into rebased currency
Source: Commercial Banks and Central Statistical Office
Sector
Agriculture, Forestry and Fishing
Mining and Quarrying
Manufacturing
Electricity, Gas and Water
Construction
Wholesale and Retail trade
Restaurants, Bars and Hotels
Transport, Storage and Communications
Financial Intermediaries and Insurance
Community, Social and Personal Services
Real Estate and Business services
Total
2007
1,210.3
231.2
615.2
280.0
203.0
622.2
67.3
414.3
243.0
94.8
125.3
4,106.5
2008
1,321.4
382.1
878.5
193.7
324.2
789.9
256.3
568.2
639.8
107.8
402.4
5,864.3
2009
1,565.1
338.2
994.2
137.8
259.1
829.9
122.7
508.7
422.0
280.5
678.7
6,136.8
2010
1,623.7
293.5
1,172.1
151.4
533.8
994.3
174.6
433.8
243.7
339.5
575.0
6,535.4
2011
2,124.4
509.7
1,461.6
196.8
504.0
1,248.3
253.5
650.6
603.5
255.9
297.8
8,106.2
2012
3,763.0
942.7
1,881.0
338.9
620.6
1,124.5
339.4
772.2
309.3
347.6
400.9
10,840.3
2013
3,752.4
1,226.4
1,758.6
311.9
654.7
1,709.1
321.7
838.3
381.0
378.3
406.6
11,739.0
2014
3,596.5
1,083.1
2,499.5
469.4
743.0
1,699.4
354.7
1,219.8
540.5
461.8
406.7
13,074.2
2015
4,535.5
1,673.1
3,539.1
435.5
897.7
2,833.1
424.1
1,334.3
702.8
446.0
755.0
17,576.2
2016
4,034.6
1,483.1
2,983.1
516.5
907.0
2,411.9
376.3
1,086.9
419.6
406.8
829.0
15,454.8
Source: Commecial Banks
Table 10: Bank Lending by Economic Sector (K’ Million), 2007 - 2016
Institutional Sector
Private sector
of which Households
Private Companies
Government
of which Central Government
Parastatals
Total
2007
5,134.3
904.7
4,229.6
490.0
117.6
372.4
5,624.3
2008
7,842.5
2,453.6
5,388.9
149.6
2.7
146.8
7,992.1
2009
7,338.8
2,498.8
4,839.9
208.5
0.0
208.5
7,547.3
2010
8,314.5
2,965.5
5,349.0
413.7
298.4
115.3
8,728.2
2011
10,760.4
3,700.1
7,060.3
549.1
450.4
98.7
11,309.5
2012
15,222.7
5,721.6
9,501.1
639.7
18.4
621.3
15,862.4
2013
16,871.7
6,834.8
10,036.9
364.9
129.1
235.7
17,236.4
2014
19,634.4
7,791.8
11,842.6
901.4
669.8
231.6
20,535.8
2015
24,747.7
7,910.3
16,837.4
751.2
466.0
285.2
25,498.9
2016
22,067.9
6,712.5
15,355.4
1,041.9
819.3
222.6
23,109.8
Source: Bank of Zambia and Commercial Banks
Table 11: Bank Lending by Institutional Sector (K’ Million), 2007 - 2016
Financial and Other Statistics 11
Period
2007
2008
2009
20010
2011
2012
2013
2014
2015
2016
91 days
11.1
12.2
13.4
4.5
6.7
7.4
7.1
9.5
14.3
21.3
182 days
11.9
13.3
15.0
5.8
9.4
10.5
12.6
16.5
19.3
24.1
273 days
12.3
13.8
16.2
6.6
10.7
10.7
12.6
16.4
20.0
25.6
364 days
12.6
14.8
17.4
7.4
11.5
11.4
13.2
18.4
22.3
25.6
Source: Bank of Zambia
Table 12: Yield Rates on Treasury Bills - Annual Average (%), 2007 - 2016
Weighted Average
12.2
14.1
15.9
6.6
10.5
10.8
12.8
17.6
21.2
25.2
Period
2007
2008
2009
2010
2011
2012
2013
2014
2015
2016
2 Year
13.9
15.2
17.7
9.6
12.8
10.9
12.6
14.8
18.1
24.8
3 Year
14.1
15.6
18.4
11.1
12.9
12.3
14.3
15.8
20.4
24.1
5 Year
14.9
16.5
19.4
12.7
15.3
13.3
15.4
17.7
24.2
27.3
Source: Bank of Zambia
Table 13: Yield Rates on Bonds - Annual Average (%), 2007 - 2016
7 Year
17.7
17.2
17.3
15.3
14.4
14.5
15.2
18.1
22.4
27.5
10 Year
19.0
18.5
18.7
16.1
15.5
16.1
17.1
18.8
21.0
24.0
15 Year
20.0
19.4
19.2
16.7
16.7
16.7
17.0
19.0
22.5
23.4
Weighted Average
14.8
16.2
18.5
11.6
14.6
13.1
15.4
18.5
23.6
25.8
12 Financial and Other Statistics
Period
2007
2008
2009
2010
2011
2012
2013
2014
2015
2016
Weighted Lending Base Rate
18.9
19.1
22.1
20.9
18.3
12.1
9.5
11.6
13.0
15.5
Lending Margin
6.1
6.1
6.3
6.8
7.0
7.0
6.8
7.1
8.1
12.5
Lending Rate
25.0
25.2
28.4
27.7
25.8
19.1
16.3
18.7
21.1
28.1
Note: The policy rate was introduced in April 2012 and replaced the Weighted Lending Base rateSource: Bank of Zambia and Commercial Banks
Table 14: Commercial Bank Lending Rates - Annual Average (%), 2007 -2016
Weighted Interbank Rate
11.0
11.8
9.9
2.3
5.0
7.7
9.7
14.4
15.3
20.8
2007
2008
2009
2010
2011
2012
2013
2014
2015
2016
Cheque Account
(K500 & above)
4.2
2.4
3.1
3.8
3.8
3.8
1.7
1.3
1.5
1.3
Less than
K100
3.6
3.5
3.6
3.6
3.7
3.7
2.8
2.8
2.4
2.6
More than
K100
5.7
4.8
4.7
4.7
4.5
4.3
3.4
3.5
3.4
3.3
24 hr call
4.4
2.7
2.8
2.9
2.7
2.7
2.0
1.9
2.0
2.3
7 days
4.1
2.8
3.2
3.5
3.5
3.5
3.1
3.4
4.2
6.9
14 days
5.8
3.5
3.8
4.0
4.0
4.0
3.4
3.8
4.3
7.3
30 days
7.4
5.0
5.4
5.6
5.3
5.3
4.9
6.1
6.6
9.0
60 days
9.4
6.5
7.1
7.4
6.9
6.8
5.5
7.2
7.9
10.6
90 days
9.2
6.6
7.1
7.4
7.0
7.0
6.3
7.9
9.0
10.8
180 days
8.5
6.4
7.2
7.6
6.9
6.8
7.7
9.1
10.5
12.6
Source: Bank of Zambia and Commercial Banks
Table 15: Commercial Bank Deposit Rates - Annual Average (%), 2007 - 2016
SavingsDeposits over K20,000.00
Financial and Other Statistics 13
Year End
2007
2008
2009
2010
2011
2012
2013
2014
2015
2016
Buying
3.8
4.8
4.7
4.7
5.1
5.2
5.5
6.4
10.9
9.3
Selling
3.8
4.9
4.7
4.8
5.1
5.2
5.5
6.4
10.9
9.9
Buying
7.6
7.1
7.5
7.2
7.8
8.3
9.1
9.9
16.2
12.3
Selling
7.9
7.4
7.8
7.5
8.1
8.4
9.1
10.0
16.3
12.3
Buying
5.4
6.3
6.7
6.2
6.6
6.7
7.6
7.7
11.8
10.4
Selling
5.6
6.6
7.0
6.4
6.9
6.9
7.6
7.8
11.8
10.4
Buying
0.5
0.5
0.6
0.7
0.6
0.6
0.5
0.6
0.7
0.7
Selling
0.6
0.5
0.6
0.7
0.6
0.6
0.5
0.6
0.7
0.7
Source: Bank of Zambia and Commercial Banks
Table 16: Commercial Bank Exchange Rates (K/foreign currency) -End period, 2007 - 2016
US Dollar British Pound Euro South Africa Rand
End Period
2007
2008
2009
2010
2011
2012
2013
2014
2015
2016
Buying
3.8
4.9
4.7
4.7
5.1
5.2
5.5
6.4
10.8
9.8
Selling
3.8
4.9
4.7
4.7
5.1
5.2
5.5
6.4
10.8
9.9
Mid-rate
3.8
4.9
4.7
4.7
5.1
5.2
5.5
6.4
10.8
9.8
Buying
3.8
4.7
4.7
4.7
5.1
5.2
5.5
6.3
10.6
9.8
Selling
3.9
4.8
4.7
4.8
5.2
5.3
5.6
6.4
10.8
10.0
Mid-rate
3.9
4.8
4.7
4.8
5.1
5.3
5.6
6.4
10.7
9.9
Source: Bank of Zambia and Bureau De Change
Table 17: Bank of Zambia and Bureau De Change Exchange Rates (K/US Dollars) - End period, 2007 - 2016
Bank of Zambia Rates Bureau Rates
14 Financial and Other Statistics
Indicator
Total Regulatory Capital to Risk-weighted Assets
Tier 1 Regulatory Capital to Risk-weighted Assets
Total Regulatory Capital to Total Assets (Leverage)
Total Non-Performing Loans to Total Loans and Advances
Loan Loss Provisions to Non-Performing Loans
Core Liquid Assets Ratio (Required)
Core Liquid Assets Ratio (Actual)
Kwacha/Forex Statutory Reserve Ratio (Required)
Kwacha Statutory Reserve Ratio (Actual)
Foreign Currency Statutory Reserve Ratio (US$) - Actual
Return on Assets
Return on Equity
Gross Interest Income to Total Gross Income
Net Interest Margin (%)
Total Loans and Advances to Total Deposits Ratio
Liquid Assets to Total Assets
Foreign Currency Loans to Total Loans
Foreign Currency Liabilities to Total Liabilities
2007
18.6
15.9
9.2
8.8
73.2
9.0
22.7
8.0
8.2
11.9
4.7
35.1
63.1
11.5
57.4
37.6
32.5
27.1
2008
18.6
17.7
9.9
7.2
104.6
9.0
47.7
8.0
9.5
10.4
3.6
20.8
66.6
10.4
66.6
35.5
42.1
35.8
2009
22.3
18.9
11.2
12.6
86.6
9.0
60.5
8.0
8.1
10.2
2.1
9.4
65.1
10.7
60.1
38.0
36.4
38.0
2010
22.1
19.1
10.4
14.8
80.3
9.0
57.1
8.0
8.5
10.2
2.9
12.1
58.6
9.0
53.1
43.8
32.8
39.6
2011
19.2
16.8
10.2
10.4
76.7
9.0
60.5
5.0
6.5
5.0
3.7
25.5
61.8
8.1
57.1
40.3
39.1
39.0
2012
21.3
19.4
12.0
8.1
73.5
9.0
53.0
5.0
6.3
8.0
3.9
20.8
61.3
8.4
66.0
36.0
28.7
22.9
2013
26.8
24.5
14.1
7.0
83.2
6.0
49.5
8.0
8.5
8.0
3.4
18.2
64.5
8.3
61.4
38.9
25.6
30.4
2014
27.0
24.6
13.1
6.1
68.8
6.0
71.1
14.0
14.2
14.0
3.7
3.6
66.4
8.5
62.0
35.8
29.0
32.1
2015
21.2
19.2
12.2
7.3
70.5
6.0
92.6
18.0
17.7
18.0
2.8
13.1
67.1
8.2
56.4
34.8
36.9
48.9.
2016
26.2
23.4
11.9
9.7
71.0
6.0
74.8
18.0
19.4
19.4
2.5
12.4
68.6
8.7
50.0
39.1
35.7
44.9
Table 18: Financial Stability Indicators; Commercial Banks, (Ratios, unless indicated), 2007 - 2016
Source: Bank of Zambia and Commercial Banks
Real Time Gross Settlement System Transactions
Volumes
Values (K’ Million)
Zambia Electronic Clearing HouseTransactions
Volumes
Values ( K’ Million)
2007
91,462.0
164,295.0
3,384,827.0
33,389.0
2008
143,577.0
223,948.0
3,861,242.0
26,078.0
2009
148,147.0
209,311.0
4,069,450.0
26,287.6
2010
171,751.0
280,508.6
4,815,514.0
27,227.9
2011
198,586.0
339,770.8
5,647,249.0
34,711.5
2012
240,564.0
388,322.5
6,827,820.0
43,537.8
2013
297,757.0
528,950.7
7,843,801.0
55,115.2
2014
319,836.0
657,203.2
8,140,018.0
60,093.4
2015
374,661.0
887,544.4
8,217,193.0
59,788.1
2016
388,176.0
723,489.4
10,197,756.0
54,672.2
Source: Bank of Zambia
Table 19: Payments Systems Transactions 2007 - 2016
Financial and Other Statistics 15
Payment System
Provinces
Central
Copperbelt
Eastern
Luapula
Lusaka
Northern
North-Western
Southern
Western
*Muchinga
Total
2011
9
61
15
5
127
15
9
23
7
N/A
271
2012
37
88
41
10
173
19
13
43
17
9
450
2013
11
68
17
5
139
15
14
23
9
6
307
2014
9
61
16
5
140
3
10
22
10
9
285
2015
9
65
16
5
147
7
11
22
9
10
301
Microfinance
Companies
12
38
15
4
41
2
1
23
7
3
146
Leasing
Companies
0
2
0
0
1
0
0
1
0
0
4
Bureau De
Change
0
18
0
0
98
0
4
9
0
4
133
Source: Bank of Zambia and Non-Bank Financial Institutions
Table 20A: Number of Non-Bank Financial Institutions Branches by Provinces, 2011-2016
Total
17
72
20
8
152
6
11
39
11
10
346
2016
Other Financial
Corporations
5
14
5
4
12
4
6
6
4
3
63
Institution
Micro Finance Institutions
Leasing Companies
Bureau De Change
Bulding societies
Development Banks
Savings and credit institutions
Credit Reference Bureau
Total
2007
8
10
36
3
1
1
1
60
2008
18
10
38
3
1
1
1
72
2009
25
12
44
3
1
1
1
87
2010
24
11
50
3
1
1
1
91
2011
32
9
55
3
1
1
1
102
2012
35
8
57
4
1
1
1
107
2013
35
7
64
4
1
1
1
113
2014
33
9
67
4
1
1
1
116
2015
35
10
74
4
1
1
1
126
2016
33
8
73
4
1
1
1
121
Source: Bank of Zambia
Table 20B: Number of Non-Bank Financial Institutions, 2007 - 2016
16 Financial and Other Statistics
*Muchinga Province was created in 2011, hence data not available
CAPITAL RATIOS
Shareholders Equity to Assets
Deposits & other liabilities to Shareholders' Funds
Nonperforming Loans to Shareholders Equity
Tier 1 Capital to Risk Based Assets
Total Capital to Risk Based Assets
ASSET QUALITY
Net Nonperforming Assets to Total Assets
Non-performing Loans to Total Loans
Allowance For Loan and Lease Losses to total loans
Allowance for Loan and Lease Losses to NPL
EARNINGS
Monthly Return on Assets (ROA)
Annualised Return on Assets (ROA)
Monthly Return on Equity (ROE)
Annualised Return on Equity (ROE)
Net Interest Margin (%)
Loans Yield Rate (%)
Earning Assets
LIQUIDITY AND FUNDS MANAGEMENT
Liquid assets to Total deposits & short-term liabilities
Excess (-Deficiency) of Liquid Assets to Total Assets
Total Deposits to Total assets
Gross Loans to Total Deposits
2007
17.0
474
93.0
18.0
18.0
10.0
22.0
9.0
40.0
-43.0
-43.0
-248.0
-248.0
62.1
27.0
65.8
9.7
-74.6
14.1
525.1
2008
17.0
494.0
92.0
16.0
17.0
4.0
18.0
14.0
76.0
-34.0
-34.0
-202.0
-201.7
56.0
22.8
75.8
7.7
76.7
21.0
404.2
2009
8.0
1,102.0
241.0
5.0
6.0
1.0
21.0
20.0
93.0
-7.0
-7.0
-88.0
-88.4
42.0
27.0
85.0
11.0
-82.0
21.0
450.0
2010
17.0
477.0
209.0
11.0
15.0
1.0
40.0
40.0
97.0
-5.0
-5.0
-30.0
-30.4
61.0
29.0
76.0
24.0
-62.0
8.0
1,204.0
2011
21.0
380.0
43.0
16.0
18.0
1.0
10.0
9.0
91.0
2.0
2.0
10.0
10.0
64.0
16.0
81.0
5.0
-75.0
7.0
1,236.0
2012
24.0
308.0
11.0
23.0
24.0
1.0
3.0
79.0
103.0
9.0
9.0
3.0
36.0
75.0
19.0
85.0
7.0
-70.0
8.0
1,083.0
2013
24.0
320.0
18.0
23.0
23.0
4.0
5.0
3.0
54.0
6.0
6.0
2.0
24.0
70.0
21.0
80.0
21.2
-76.0
5.3
1,505.5
2014
31.0
130.0
15.0
30.9
31.9
0.7
6.1
0.1
100.0
12.0
10.0
46.0
40.2
66.8
22.0
81.6
37.2
-28.2
0.1
12.1
2015
30.8
150.9
30.2
22.5
22.9
5.0
6.0
6.0
51.0
-1.0
-13.0
-4.0
52.3
41.4
36.8
78.7
43.7
-26.1
0.1
11.4
2016
-14.7
-305.7
-360.8
-11.4
-11.4
-2.9
0.6
66.9
105.4
-0.6
-7.4
5.3
63.5
-16.9
0.01
36.8
53.5
-52.8
7.0
12.0
Table 21: Financial Soundness Indicators for Leasing and Finance Companies, End Period, 2007-2016 (Ratios, unless otherwise indicated)
Financial and Other Statistics 17
Source: Bank of Zambia and Non-Bank Financial Institutions
LARGE LOANS**
Large Loans - Equal to or Exceeding 10% of Regulatory Capital
(K million)*
Large Loans to Total loans
Large loans to Regulatory Capital
INSIDER LOANS***
Total Insider Loans (K million)*
Insider Loans to Total Loans
Insider Loans to Regulatory capital
FOREIGN EXCHANGE EXPOSURE
Overall Exposure - Maximum of 25% of Regulatory Capital (K million)*
Overall Exposure to regulatory capital
Significant Single Currency Exposure (K million)*
Significant Single Currency Exposure to regulatory capital Not ExceedingExceeding 20% of Regulatory Capital
Table 21: Financial Soundness Indicators for Leasing and Finance Companies, End Period, 2005-2014 (Ratios, unless indicated) Cont’
* The variables are recorded in values not ratios (rebased currency)**Large Loans: An exposure of a financial institution to any person in an amount equal to, or exceeding, ten per centrum of the financial institution’s regulatory capital***Insider Loans: Loans to officers, Directors or Principal ShareholdersSource: Bank of Zambia and Non-Bank Financial Institutions
2007
105,960.3
54.1
245.8
19,879.0
10.1
46.1
25,456.8
59.1
17,054.8
39.6
2008
108,120.0
50.8
299.4
20,694.0
9.7
57.3
29,319.0
81.2
20,028.8
55.5
2009
55,921.0
30.0
619.0
12,118.0
7.0
134.0
30,537.0
338.0
30,536.7
337.8
2010
35,628.0
22.0
168.0
3,135.0
2.0
15.0
51,176.0
241.0
51,175.6
241.0
2011
65,733.0
31.0
158.0
1,236.0
1.0
3.0
34,122.0
82.0
34,122.0
82.0
2012
56,013.0
20.0
69.0
575.0
1.0
1.0
133,299.0
48.0
35,218.0
42.0
2013
20,875.0
5.3
18.5
9,407.0
2.4
8.3
7,542.0
6.7
7,542.0
7.0
2014
65,254.0
0.2
0.4
6,589.0
0.0
0.0
1,279.0
0.9
1,279.0
0.9
2015
179,508.7
0.4
1.3
19,593.4
0.0
0.1
37,773.7
0.3
37,773.7
0.3
2016
253,437.0
0.6
-3.3
746.0
0.0
0.0
17,076.4
-0.2
17,019.3
-0.2
18 Financial and Other Statistics
CAPITAL RATIOS
Shareholders Equity to Assets
Deposits & other liabilities to Shareholders' Funds
Nonperforming Loans to Shareholders Equity
Tier 1 Capital to Risk Based Assets
Total Capital to Risk Based Assets
ASSET QUALITY
Net Nonperforming Assets to Total Assets
Non-performing Loans to Total Loans
Allowance For Loan and Lease Losses to total loans
Allowance for Loan and Lease Losses to NPL
EARNINGS
Monthly Return on Assets (ROA)
Annualised Return on Assets (ROA)
Net Interest Margin (%)
Loans Yield Rate (%)
Earning Assets
LIQUIDITY AND FUNDS MANAGEMENT
Liquid assets to Total deposits & short-term liabilities
Excess (-Deficiency) of Liquid Assets to Total Assets
Total Deposits to Total assets
Gross Loans to Total Deposits
2007
6.3
1,493.1
4.7
-23.4
-23.4
0.1
0.6
1.3
64.3
4.8
4.5
79.0
9.9
72.1
27.9
-67.6
55.4
55.4
2008
13.0
670.0
28.3
8.0
8.0
2.7
7.0
1.9
26.3
3.9
4.1
77.7
13.4
71.9
26.5
-64.0
43.0
43.0
2009
26.1
282.5
25.7
20.5
23.2
3.9
14.5
6.0
42.0
4.0
4.0
72.0
16.0
60.0
28.0
-53.0
35.0
35.0
2010
26.8
273.0
22.7
24.6
34.6
3.6
13.5
6.0
41.0
5.0
3.0
80.0
15.0
62.0
32.0
-50.0
44.0
44.0
2011
26.8
268.0
18.0
19.0
29.0
2.0
9.0
6.0
62.0
3.0
3.0
86.0
12.0
65.0
25.0
-55.0
46.0
46.0
2012
17.0
476.0
40.0
14.0
19.0
2.0
13.0
10.0
72.0
-0.2
2.0
77.0
10.0
64.0
23.0
-64.0
47.0
111.0
2013
12.8
680.6
46.7
10.0
12.1
1.9
10.3
7.0
68.1
-0.1
1.0
78.0
23.0
57.3
14.3
-74.7
45.6
126.9
2014
34.0
196.0
16.0
44.5
44.0
2.0
10.1
7.0
66.4
-0.4
-66.6
68.8
22.0
73.6
36.1
-42.3
34.0
155.0
2015
33.2
201.5
18.0
29.0
30.1
2.1
10.1
6.6
64.9
1.7
20.1
74.6
19.5
70.3
22.8
-51.6
39.7
149.0
2016
36.8
139.3
30.1
22.6
23.2
4.4
18.2
10.9
60.2
5.1
61.2
70.4
13.1
65.5
19.1
-51.1
37.0
164.6
Table 22: Financial Soundness Indicators for Building Societies - End Period, 2007-2016 (Ratios, unless otherwise indicated)
Financial and Other Statistics 19
Source: Bank of Zambia and Building Societies
LARGE LOANS*
Large Loans (K million)
Large Loans to Total loans
Large loans to Regulatory Capital
INSIDER LOANS**
Total Insider Loans (K million)
Insider Loans to Total Loans
Insider Loans to Regulatory capital
FOREIGN EXCHANGE EXPOSURE
Overall Exposure (K million)
Overall Exposure to regulatory capital
Significant Single Currency Exposure (K million)
Significant Single Currency Exposure to regulatory capital
Table 22: Financial Soundness Indicators for Building Societies - End Period, 2007-2016 (Ratios, unless indicated) Cont’
*Large Loans: An exposure of a financial institution to any person in an amount equal to, or exceeding, ten per centum of the financial institution’s regulatory capital.**Insider Loans: Loans to Officers, Directors or Principal ShareholdersSource: Bank of Zambia and Building Societies
2007
N/A
N/A
N/A
N/A
N/A
N/A
1,899.0
-5.9
1,899.0
-5.9
2008
N/A
N/A
N/A
N/A
N/A
N/A
1,899.0
-17.3
1,899.0
-17.3
2009
4,421.0
3.0
11.0
921.0
1.0
2.0
518.0
1.0
518.0
1.0
2010
928.0
1.0
1.0
1,125.0
1.0
2.0
62.0
0.1
62.0
0.1
2011
928.0
1.0
1,125.0
1.0
2.0
62.0
62.0
2012
37,142.0
15.0
70.0
1,241.0
1.0
2.0
544.0
1.0
544.0
1.0
2013
13,555.0
4.5
28.9
2,633.0
0.9
5.6
1,414.0
3.0
1,414.0
3.0
2014
16,896.0
4.0
7.0
1,895.0
0.0
0.1
57,724.0
23.1
57,724.0
23.1
2015
54,663.7
9.3
18.3
6,561.4
1.1
2.2
33,197.0
11.1
33,197.0
11.1
2016
44,444.0
7.1
12.6
11,902.0
1.9
3.4
36,268.5
10.3
36,268.5
10.3
20 Financial and Other Statistics
0.0
0.0
0.0
Occupational Category
1. Managers and Chief Executive
2. Professionals
3. Technicians
4. Clerks
5. Service and Market Sales Workers
6. Drivers and Machine Operators
7. Elementary Occupations
8. Temporary Employees
9. Other
Annual Total
Grand Total
Z
76
24
20
161
4
4
23
48
22
382
NZ
7
2
0
0
0
0
0
0
0
9
Z
42
10
9
159
7
0
3
30
8
268
NZ
2
0
0
1
0
0
0
0
0
3
Z
79
26
23
187
4
3
27
47
27
423
NZ
6
2
0
0
0
0
0
0
0
8
Z
46
12
9
180
6
0
3
25
8
289
NZ
1
0
0
1
0
0
0
0
0
2
Z
162
133
196
251
58
66
29
69
152
1,116
NZ
10
0
0
0
10
0
0
0
0
20
Z
68
65
143
204
105
1
14
35
72
707
NZ
3
0
0
0
1
0
0
0
0
4
Z
174
138
213
243
90
69
27
80
169
1,203
NZ
9
0
0
0
1
0
0
0
0
10
Z
82
72
169
210
117
1
18
41
94
804
NZ
3
0
0
0
1
0
0
0
0
4
Z
186
144
64
351
479
96
77
87
73
1,557
NZ
25
8
0
2
12
0
1
0
0
48
Z
125
104
32
319
406
1
49
56
89
1,181
NZ
2
0
1
1
0
0
0
0
1
5
Male
2007 2008 2009 2010 2011
Female Male Female Male Female Male Female Male Female
662 722 1,847 2,021 2,791
Table 23: Annual Employment in Non Bank Financial Corporations by Occupational Category and Sex, 2007 - 2016
Z = Zambian NZ = Non ZambianSource: Non Bank Financial Institutions
Financial and Other Statistics 21
3,534 3,366
Occupational Category
1. Managers and Chief Executive
2. Professionals
3. Technicians
4. Clerks
5. Service and Market Sales Workers
6. Drivers and Machine Operators
7. Elementary Occupations
8. Temporary Employees
9. Other
Annual Total
Grand Total
Z
410
294
312
463
491
74
127
146
300
2,617
NZ
19
5
0
0
5
1
1
1
0
32
Z
197
162
165
394
403
1
41
90
189
1,642
NZ
7
0
0
0
1
0
0
0
0
8
Z
471
344
225
445
0
78
91
93
371
2,118
NZ
17
3
0
0
0
0
1
0
0
21
Z
141
241
146
473
0
4
48
48
154
1,255
NZ
5
1
0
0
0
0
0
1
2
9
Z
297
300
413
301
273
92
134
67
45
1,922
NZ
25
1
0
0
0
0
0
0
0
26
Z
172
271
302
353
229
5
92
44
35
1,503
NZ
8
0
0
0
0
0
0
1
1
10
Z
307
396
397
257
284
106
99
31
86
1,963
NZ
22
1
0
0
0
0
0
0
0
23
Z
180
312
280
397
228
5
83
22
28
1,535
NZ
11
0
0
0
0
0
0
1
1
13
Z
310
379
394
357
268
86
74
22
59
1,949
NZ
23
2
0
0
0
0
0
0
0
25
Z
168
379
294
255
240
0
23
1
21
1,381
NZ
9
0
0
0
0
0
0
0
2
11
Male
2012 2013 2014 2015 2016
Female Male Female Male Female Male Female Male Female
4,299 3,403 3,461
Table 23: Annual Employment in Non Bank Financial Corporations by Occupational Category and Sex, 2007 - 2016 (Cont’)
22 Financial and Other Statistics
Z = Zambian NZ = Non ZambianSource: Non Bank Financial Institutions
Occupational Category
1. Legislators, Senior Officials & Managers
2. Professionals
3. Technicians & Associate Professionals
4. Clerks
5. Service Workers & Shop & Market Sales Workers
6. Skilled Agricultural & Shop Fisheries Workers
7. Craft and Related Trade Workers
8. Plant & Machine Operators & Assemblers
9 . Elementary Occupations
10. Temporary Employees
11. Other
Total
Grand Total
Z
68
70
90
112
263
0
18
13
22
9
16
681
NZ
7
4
0
0
0
0
0
0
0
0
0
11
Z
17
45
51
70
197
0
4
0
6
7
3
400
NZ
0
1
0
0
0
0
0
0
0
0
0
1
Z
65
71
91
116
288
0
18
17
29
3
14
712
NZ
7
4
0
0
0
0
0
0
0
0
0
11
Z
17
41
57
77
223
0
2
0
6
5
0
428
NZ
0
1
1
0
0
0
0
0
0
0
0
2
Z
84
82
146
132
280
0
8
2
45
20
11
810
NZ
8
0
0
0
0
0
0
0
0
0
0
8
Z
23
47
123
94
143
0
1
2
31
23
15
502
NZ
0
0
0
0
8
0
0
0
0
0
0
8
Z
94
84
167
138
384
0
8
3
44
43
22
987
NZ
16
0
0
0
23
0
0
0
0
0
0
39
Z
28
45
135
94
258
0
1
2
29
42
20
654
NZ
0
1
0
1
9
0
0
0
0
0
0
11
Z
114
108
184
178
497
0
7
0
2
28
28
1,146
NZ
14
2
0
0
0
0
0
0
0
1
1
18
Z
36
53
150
200
325
0
1
0
0
15
53
833
NZ
0
0
0
1
0
0
0
0
0
0
0
1
Male
2007 2008 2009 2010 2011
Female Male Female Male Female Male Female Male Female
Table 24: Annual Insurance Companies Employment by Occupational Category and Sex, 2007 -2016
Z = Zambian NZ = Non ZambianSource: Pensions and Insurance Authority
1,093 1,153 1,328 1,691 1,998
Financial and Other Statistics 23
Occupational Category
1. Legislators, Senior Officials & Managers
2. Professionals
3. Technicians & Associate Professionals
4. Clerks
5. Service Workers & Shop & Market Sales Workers
6. Skilled Agricultural & Shop Fisheries Workers
7. Craft and Related Trade Workers
8. Plant & Machine Operators & Assemblers
9 . Elementary Occupations
10. Temporary Employees
11. Other
Total
Grand Total
Z
137
113
195
206
531
1
7
0
3
37
42
1,272
NZ
19
2
0
0
0
0
0
0
0
1
1
23
Z
32
51
142
228
361
0
1
0
1
19
40
875
NZ
2
1
0
1
0
0
0
0
0
0
0
4
Z
158
106
200
224
538
1
1
0
3
55
59
1,345
NZ
21
0
0
0
0
0
0
0
0
1
1
23
Z
41
67
154
191
340
0
0
0
1
35
70
899
NZ
2
1
1
1
0
0
0
0
0
0
0
5
Z
170
103
210
224
666
3
8
0
4
62
58
1,508
NZ
20
0
1
0
0
0
0
0
0
0
1
22
Z
40
69
163
219
472
0
0
0
1
34
101
1,099
NZ
2
1
1
1
0
0
0
0
0
0
0
5
Z
182
105
226
223
695
3
9
0
6
60
60
1,569
NZ
19
0
1
0
0
0
0
0
0
0
1
21
Z
51
65
178
230
508
0
0
0
0
43
101
1,176
NZ
2
1
1
1
1
0
0
0
0
0
0
6
Z
193
108
236
229
708
2
0
0
5
65
62
1,608
NZ
23
0
1
0
0
0
0
0
0
0
1
25
Z
63
69
183
239
524
0
0
0
0
47
112
1,237
NZ
3
1
1
1
0
0
0
0
0
0
0
6
Male
2012 2013 2014 2015 2016
Female Male Female Male Female Male Female Male Female
Table 24: Annual Insurance Companies Employment by Occupational Category and Sex, 2007 -2016 (Cont’)
Z = Zambian NZ = Non Zambian Source: Pensions and Insurance Authority
2,174 2,272 2,634 2,772 2,876
24 Financial and Other Statistics
7,563 8,765 9,743 12,174
Occupational Category
1. Managers and Chief Executive
2. Professionals
3. Technicians
4. Clerks
5. Service and Markert Sales Workers
6. Craft and Related Trade Workers
7. Plant and Machine Operators and Assemblers
8. Elementary Occupations
9. Temporary Employees
10. Other
Total
Grand Total
Z
331
774
774
1,515
282
60
63
288
174
48
4,310
NZ
56
15
0
0
0
0
0
0
0
0
71
Z
107
394
534
1,133
204
20
20
28
98
23
2,561
NZ
22
3
11
1
1
0
0
0
0
0
38
Z
345
772
791
1,817
308
60
69
248
141
53
4,604
NZ
58
16
0
0
0
0
0
0
0
0
74
Z
124
421
568
1,385
229
12
18
27
71
21
2,876
NZ
4
2
2
1
0
0
0
0
0
0
9
Z
713
1,021
726
1,628
365
8
68
134
274
261
5,198
NZ
97
0
0
0
10
0
0
0
2
5
114
Z
286
692
582
1,300
250
1
3
45
182
93
3,434
NZ
8
1
0
1
9
0
0
0
0
0
19
Z
800
1,098
929
1,478
502
8
72
110
445
282
5,724
NZ
106
0
0
0
24
0
0
0
0
0
130
Z
324
757
774
1,180
378
1
3
48
284
121
3,870
NZ
6
1
0
2
10
0
0
0
0
0
19
Z
1,148
922
600
2,142
1,033
43
137
111
422
358
6,916
NZ
122
13
1
2
12
0
0
1
1
6
158
Z
546
617
457
1,444
749
2
5
51
345
376
4,592
NZ
109
6
1
354
0
0
0
0
0
38
508
Male
2007 2008 2009 2010 2011
Female Male Female Male Female Male Female Male Female
Table 25: Consolidated Annual Financial Sector Employment by Occupational Category and Sex, 2007 -2016
Z = ZambianNZ = Non ZambianSource: Commercial Banks and Pension and Insurance Authority
6,953
Financial and Other Statistics 25
13,343 13,506 14,343 13,900
Occupational Category
1. Managers and Chief Executive
2. Professionals
3. Technicians
4. Clerks
5. Service and Markert Sales Workers
6. Craft and Related Trade Workers
7. Plant and Machine Operators and Assemblers
8. Elementary Occupations
9. Temporary Employees
10. Other
Total
Grand Total
Z
1,217
1,301
1,216
2,094
1,100
28
177
139
519
535
8,326
NZ
119
11
1
0
5
0
1
1
2
1
141
Z
670
797
902
1,766
807
1
2
44
319
359
5,667
NZ
22
3
11
1
1
0
0
0
0
0
38
Z
1,079
1,280
1,196
2,086
660
32
163
116
486
704
7,802
N
119
5
1
0
0
0
0
1
1
4
131
Z
403
832
945
1,960
436
1
12
55
311
426
5,381
NZ
20
2
1
1
0
0
0
0
1
4
29
Z
1,328
1,136
1,199
1,707
1,052
42
100
144
352
437
7,497
NZ
129
6
1
1
0
0
0
0
0
1
138
Z
811
881
1,007
1,709
767
3
5
98
226
334
5,841
NZ
25
1
1
1
0
0
0
0
1
1
30
Z
1,357
1,467
1,050
1,633
1,134
38
117
114
440
533
7,883
NZ
132
5
1
0
0
0
0
0
2
1
141
Z
781
1,111
867
1,769
810
1
5
87
341
511
6,283
NZ
30
1
1
1
1
0
0
0
1
1
36
Z
1,300
1,463
1,218
1,986
1,032
2
86
91
292
340
7,810
NZ
124
5
1
0
0
0
0
0
0
1
131
Z
735
1,168
1,021
1,792
770
0
0
23
232
184
5,925
NZ
29
1
1
1
0
0
0
0
0
2
34
Male
2012 2013 2014 2015 2016
Female Male Female Male Female Male Female Male Female
Table 25: Consolidated Annual Financial Sector Employment by Occupational Category and Sex, 2007 -2016 (Cont’)
Z = ZambianNZ = Non ZambianSource: Commercial Banks and Pension and Insurance Authority
14,172
26 Financial and Other Statistics
Year
2007
2008
2009
2010
2011
2012
2013
2014
2015
2016
Agriculture
23,113,628
26,465,325
24,556,560
23,813,922
26,678,312
32,245,296
28,997,868
30,715,141
38,916,836
28,304,318
Aviation
6,262,682
7,318,923
1,730,867
485,000
527,127
358,000
Construction
14,080,496
19,753,885
24,078,973
19,791,357
27,899,235
33,234,406
39,653,435
56,347,162
69,221,476
37,692,949
Electricity
8,245,386
9,656,956
8,645,734
9,100,532
11,309,987
12,124,500
11,949,000
11,415,400
12,026,474
12,985,792
Government
2,729,169
3,911,014
4,342,324
3,453,714
3,009,325
2,350,266
4,289,444
3,112,802
2,893,310
2,849,620
Manufacturing
21,204,254
15,647,651
16,640,284
19,023,273
20,410,744
30,405,422
14,246,553
11,942,473
17,312,549
23,114,753
Mining
120,520,929
160,081,971
167,005,528
205,987,716
258,476,664
148,045510
215,945,272
272,023,414
328,507,020
323,963,195
Other
12,322,399
18,896,598
12,227,936
15,532,149
15,007,435
25,755,677
58,770,063
32,269,636
76,079,161
71,621,868
Retail
163,713,832
173,504,782
209,145,428
217,402,841
230,079,591
257,780,004
248,950,625
257,968,239
332,167,056
368,525,272
Transport
46,890,458
51,590,070
61,900,963
77,120,297
86,935,697
95,533,592
96,223,024
80,539,098
86,136,225
68,515,539
Table 26: National Consumption of Fuels by Sector, 2007 - 2016
Grand Total
419,083,233
486,827,175
530,274,597
591,225,801
679,806,991
637,474,673
719,025,284
756,818,364
963,787,233
937,931,307
DIESEL ( Lts)
Year
2007
2008
2009
2010
2011
2012
2013
2014
2015
2016
Agriculture
376,019
255,061
1,093,579
1,982,500
1,858,256
636,500
44,000
91,000
303,075
100,000
Aviation
0
0
0
0
0
0
0
112,000
77,482
0
Construction
37,000
40,000
200,370
46,000
75,000
51,500
278,000
143,000
409,020
45,841
Electricity
0
0
0
0
0
0
0
0
0
0
Government
15,754
23,111
0
0
0
0
5,500
10,000
0
0
Manufacturing
450,854
400,215
482,856
160,350
369,442
443,000
382,000
309,000
346,824
218,000
Mining
198,027
681,960
478,344
354,000
584,040
628,250
576,261
4,157,709
2,502,783
691,640
Other
2,036,620
4,971,280
6,471,064
7,324,598
4,015,887
1,252,625
1,384,308
430,609
1,024,310
928,839
Retail
8,962,713
9,316,771
10,481,450
10,289,067
14,430,779
15,486,987
12,797,592
10,474,409
17,902,946
17,904,597
Transport
161,090
74,620
381,869
1,641,776
3,538,883
232,743
73,737
448,845
5,583
21,500
Grand Total
12,238,076
15,763,018
19,589,532
21,798,291
24,872,286
18,731,604
15,541,398
16,176,572
22,572,023
19,910,417
KEROSENE( Lts)
Source: Energy Regulation Board
Financial and Other Statistics 27
0
0
0
0
Year
2007
2008
2009
2010
2011
2012
2013
2014
2015
2016
Agriculture
808,756
857,422
597,273
1,126,123
277,648
369,300
354,500
295,640
7,556,833
469,500
Aviation
0
0
43,500
0
0
0
0
50
33,348
0
Construction
77,211
45,000
30,000
19,000
53,617
17,266
19,418
378,173
39,946
95,000
Electricity
744,679
519,983
476,669
415,873
421,000
392,000
401,500
520,500
473,427
533,530
Government
1,616,991
2,872,887
2,625,546
2,173,264
1,871,117
843,775
1,551,217
1,166,774
1,166,150
1,095,800
Manufacturing
2,776,368
750,755
1,341,912
475,752
336,575
294,258
73,288
277,589
136,266
140,000
Mining
1,182,147
1,315,407
763,696
731,574
860,591
1,126,646
2,376,587
2,253,955
2,964,091
1,535,997
Other
3,951,532
6,245,539
7,554,181
8,982,970
12,414,274
19,253,692
40,136,609
8,773,920
25,026,113
8,829,871
Retail
152,290,976
159,788,526
186,770,246
196,833,697
221,163,644
291,911,441
321,082,227
351,520,550
445,012,704
449,310,083
Transport
1,591,618
1,877,476
3,053,965
3,884,395
5,432,249
5,250,851
6,187,408
1,560,923
1,246,900
1,011,237
Table 26: National Consumption of Fuels by Sector, 2007 - 2016 (cont’)
Grand Total
165,040,279
174,272,995
203,256,989
214,642,648
242,830,715
319,459,229
372,182,754
366,748,074
483,655,777
463,021,018
PETROL ( Lts)
Year
2007
2008
2009
2010
2011
2012
2013
2014
2015
2016
Agriculture
0
0
0
0
0
0
0
166,478
230,111
47,972
Aviation
37,718,658
48,164,343
35,434,404
35,501,994
39,180,544
60,159,540
60,658,023
22,068,400
24,185,583
12,415,407
Construction
0
0
0
0
0
0
0
0
0
0
Electricity
0
0
0
0
0
0
0
0
0
0
Government
820,600
552,000
1,865,043
1,140,000
1,558,500
578,000
1,286,057
606,082
302,001
25,470
Manufacturing
0
0
0
0
0
0
0
0
0
0
Mining
0
0
0
0
0
0
0
0
0
0
Other
0
0
1,970
0
0
1,108,500
1,658,650
9,418,494
6,429,580
7,729,975
Retail
0
0
0
0
2,294
0
0
40,485
16,182
210
Transport
0
0
0
0
0
0
72,000
12,398,052
23,518,070
14,040,851
Grand Total
38,539,258
48,716,343
37,301,417
36,641,994
40,741,338
61,846,040
63,674,730
44,697,991
54,681,526
34,259,885
JET-A1( Lts)
Source: Energy Regulation Board
28 Financial and Other Statistics
Sector
Agriculture
Construction
Education
Energy
Financial Institutions
Health
ICT
Manufacturing
Mining
Real Estate
Service
Tourism
Transport
Totals
2007
63.3
19.5
4.1
0.0
0.0
1.3
275.3
805.5
441.5
12.9
34.4
52.0
270.7
1,980.4
2008
63.0
33.9
0.0
1,306.7
0.0
38.8
4.6
1,506.9
7,461.4
63.8
158.6
184.1
54.8
10,876.6
2009
315.0
24.7
14.7
92.1
38.0
59.3
0.0
461.1
217.3
445.0
72.7
200.4
63.5
2,003.7
2010
194.3
86.8
214.6
570.2
0.0
22.5
161.7
1,907.1
986.4
413.6
99.8
127.2
4.1
4,788.3
2011
466.2
44.8
3.6
1,098.6
141.8
2.5
20.5
718.4
992.5
375.1
161.3
747.0
26.6
4,798.7
2012
379.0
85.6
0.0
1,752.9
0.9
2.6
20.7
1,242.0
4,235.8
1,858.3
218.9
184.0
108.3
10,089.1
2013
477.0
231.9
9.5
873.7
0.0
1.1
6.5
1,995.0
124.8
984.0
177.2
549.8
29.6
5,460.1
2014
140.1
3,233.7
1.6
26.1
0.0
26.7
173.9
949.4
76.3
224.0
168.2
83.1
25.4
5,128.5
2015
113.2
160.1
34.3
1,461.4
3.4
55.2
5.2
600.1
43.3
527.6
58.8
228.3
31.6
3,322.4
2016*
455.6
301.0
0.0
888.1
0.0
4.2
43.8
699.6
189.8
260.5
82.0
140.8
47.2
3,112.7
*PreliminarySource: Zambia Development Agency
Table 27: Investment Pledges by Sector (US $' Million), 2007 - 2016
Financial and Other Statistics 29
United State of America
Canada
North America
Britain/UK
Germany
France
Nertherlands
Sweden
Norway
Spain
Italy
Switzerland
Russia
Other European countries
Europe
Australia
Newzealand
China
Japan
India
Other Asian Countries
Australasia
Brazil
Mexico
Other - South America
South America
2009
7,510
2,376
9,886
10,875
2,439
1,146
1,852
318
272
763
1,320
444
184
2,504
22,117
1,580
233
368
394
402
325
3,302
140
207
418
765
2010
7,223
915
8,138
8,810
2,766
1,304
1,735
473
491
721
788
512
119
2,301
20,020
1,651
170
443
314
459
426
3,463
99
150
519
768
2011
8,539
1,391
9,930
8,770
2,731
1,053
1,488
436
436
782
1,054
483
113
2,343
19,689
1,363
240
669
324
541
720
3,857
238
148
614
1,000
2012
9,681
1,046
10,727
9,953
2,924
1,003
747
576
554
466
786
621
111
3,321
21,062
1,554
410
770
254
1,314
270
4,572
93
567
1,291
1,951
2013
12,967
1,022
13,989
14,303
2,699
1,076
1,057
565
479
451
1,032
739
202
3,658
26,261
1,761
382
1,308
383
2,017
N/A
5,851
98
167
864
1,129
2014
12,372
931
13,303
13,539
2,166
893
1,052
605
381
392
1,010
779
190
2,525
23,532
1,834
337
1,037
329
1,080
N/A
4,617
155
116
2,091
2,362
2015
13,624
769
14,393
14,177
2,180
924
995
461
568
354
743
810
185
3,009
24,406
1,396
362
1,154
526
1,633
N/A
5,071
99
104
657
860
2016
14,394
899
15,293
15,909
2,637
1,296
1,281
715
610
558
950
972
265
3,246
28,439
1,689
470
1,688
556
1,903
N/A
6,306
193
154
644
991
Table 28: Tourist Entries in Zambia's National Parks by Country, 2009-2016
Source: Zambia Wildlife Authority
30 Financial and Other Statistics
South Africa
Botswana
Namibia
Kenya
Tanzania
Malawi
Other African Countries
Rest of Africa
Unclassified International
Zambian
Total
2009
4,420
39
134
38
42
N/A
1,008
5,681
N/A
23,010
64,761
2010
5,209
48
124
60
53
N/A
1,978
7,472
N/A
18,129
57,990
2011
5,200
89
179
77
7
N/A
1,593
7,145
N/A
22,186
63,807
2012
3,883
122
122
48
257
140
2,206
6,778
N/A
17,344
62,434
2013
4,828
1,877
236
173
85
831
2,167
10,197
N/A
19,862
77,289
2014
6,374
197
263
121
51
1,979
2,287
11,272
N/A
24,903
79,989
2015
7,460
124
265
173
103
2,331
2,830
13,286
N/A
29,224
87,240
2016
7,201
249
421
176
158
1,799
3,246
13,250
1,413
41,772
107,464
Table 28: Tourist Entries in Zambia's National Parks by Country, 2009-2014 (Cont’)
Source: Zambia Wildlife Authority
Financial and Other Statistics 31
Provinces
Central
Copperbelt
Eastern
Luapula
Lusaka
Northern
North-Western
Southern
Western
Muchinga
Zambia
Area (km²)
94,393
31,328
51,476
50,567
21,896
77,650
125,826
85,282
126,386
87,806
752,610
Table 29 :Area By Province
Map 3: Area By Province
North-Western Copperbelt
Western
Southern
Lusaka
CentralEastern
Northern
MuchingaLuapula
85,282
126,386
51,476
77,650
87,806
50,567
21,896
94,393
31,328125,826
Source: Central Statistical Office
32 Financial and Other Statistics
Provinces
Central
Copperbelt
Eastern
Luapula
Lusaka
Muchinga
Northern
North-Western
Southern
Western
Zambia
Population 2016*
1,556,974
2,420,678
1,861,491
1,156,160
2,888,575
932,668
1,345,412
856,286
1,907,784
1,007,855
15,933,883
1,556,974
2,420,678
1,861,491
2,888,575
932,668
856,286
1,907,784
1,007,855
Table 30 :Population By Province Map 4: Population By Province
North-Western Copperbelt
Western
Southern
Lusaka
Central
Northern
MuchingaLuapula
1,156,160
Eastern
*Note: 2016 numbers are projectionsSource: Central Statistical Office
1,345,412
Financial and Other Statistics 33
34 Financial and Other Statistics
Financial and Other Statistics 35
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