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Financial Services

Taking into account the fact that our firm represents and/or works closely with a number of big foreign banks in Zimbabwe, we need to ensure that we are able to draw upon knowledge which impacts on these banks’ day-to-day operations and wider strategic objectives. Uncertain economies demand legal strategies that address regulatory and enforcement risks and the costs of compliance; and now more than ever in Zimbabwe we need to be in a position to understand Zimbabwe’s financial services market, as well as developments in global financial markets. 

Our sector focus involves improving our general understanding so that we are able to pre-empt various issues and developments in these sectors. In the context of the financial services sector this includes legal issues in banking - including restructurings, regulatory demands and compliance costs. This involves more than understanding what local banking legislation states and changes, but also understanding how the global financial markets are performing and the implications of this for our banking clients locally. 

Our focus areas in this regard thus include developments which impact asset managers, building societies, capital markets and their participants, investment banks, national regulators, private banks, private equity firms, professional services organizations engaged principally in financial services as well as retail banks.

Experience has included advising:

  • The African Development Bank on a US$25 million trade line of credit to Central African Building Society (CABS).
  • A regional financial institution on its subscription for a portion of a US$100 million bond issued by Zimbabwe National Road Administration in respect of an Emergency Road Rehabilitation Bond.
  • Investec Bank Limited in respect of a debt restructuring of a chrome company with interests in Zimbabwe, including registering security for the debt restructuring, reviewing and advising on the transaction documents (facility agreements, security documents and resolutions), and advising on various regulatory and legal aspects of the local entities in Zimbabwe.
  • A client incorporated in an offshore trade fund on a US$10 million loan facility to a tobacco company for the purchase, processing and sale of green proceed tobacco.

Zimbabwe's Commodity Market: A Frontier for Regional Economic Growth and Development.

The recent introduction of the Securities and Exchange (Licensing of Minerals Commodities Trading Participants on the Victoria Falls Stock Exchange) Rules, 2024 and the Securities and Exchange (Victoria Falls Stock Exchange Mineral Commodities) Rules, 2024 marks a pivotal moment not only for Zimbabwe but for the entire Sub-Saharan African region. These regulations have laid the groundwork for the trading of minerals and commodities on the Victoria Falls Stock Exchange (VFX), which is traded in United States Dollars, opening up a new frontier for entrepreneurs, investors, and the broader economy.

Basel III Endgame May Affect Renewable Energy Projects In Zimbabwe.

Introduction When US President Joe Biden, announced the ending of the Zimbabwe sanctions program, a wave of euphoria quickly spread across the country. The lifting of sanctions provided renewable energy investors with access to the previously closed international capital markets. Many projects were struggling to reach financial close as funders were unwilling to risk inadvertently violating US sanctions by financing Zimbabwean projects. While sanctions opened up international markets, Basel III Endgame could spoil the party for the over 100 Independent Power Producers (“IPP”), who are licensed to generate electricity in the country but are failing to obtain financing.

Domestic Minimum Top Up Tax

This article discusses the Domestic Minimum Top Up Tax (DMTT) introduced into Zimbabwe’s tax legislation in 2024. It considers the impact of the DMTT on multi-national companies operating in Zimbabwe and its implications on foreign investment.