标准银行集团计划在2030年前将其西非业务规模翻倍，作为非洲最大的贷款机构，旨在利用尼日利亚、加纳和科特迪瓦的经济改革和更快增长。
Bank Group Ltd. plans to double its West African business through 2030 as Africa’s biggest lender seeks to capitalize on economic reforms and faster growth in Nigeria, Ghana and Ivory Coast.
这家总部位于约翰内斯堡的银行希望其在该地区的收益——目前大约只有其南非业务规模的一半——能够增长到与本土市场大致相同的规模，企业与投资银行部门负责人Luvuyo Masina表示。
The Johannesburg-based bank wants its earnings from the region, currently roughly half the size of its South African operations, to grow to about the same scale as its home market, said Luvuyo Masinda, its head of corporate and investment banking.
“我们希望西非地区的业务尽快达到与南非业务相同的规模，”他在接受采访时说。“如果你与这里的团队交谈，他们的目标是在未来四年将业务规模翻倍。”尼日利亚是西非最大的经济体，也是非洲人口最多的国家，在外汇市场、宏观经济和能源行业改革后，投资者对其丰富的自然资源和基础设施领域兴趣浓厚，信心提升，资产价值被释放。
“One of the things we will want is that for this west Africa region to as quickly as possible be the same size as South African business,” he said in an interview. “If you speak to the teams here, they have an ambition to double this business in the next four years.”Nigeria, which is West Africa’s biggest economy and the continent’s most populous nation, is attracting investors into its abundant natural resources and infrastructure sectors, after reforms in the foreign-exchange market, macroeconomy and energy industry boost investor confidence and unlock value in the country’s assets.
尼日利亚的同样前景也在科特迪瓦得到复制——该国是该地区增长最快的经济体之一——以及加纳，加纳正从2022至2023年的主权债务违约中恢复，通胀趋于稳定，利率下降，本币更为稳健。
The same prospects seen in Nigeria are replicated in Ivory Coast — one of the region’s fastest-growing economies — and in Ghana, recovering from a 2022 to 2023 sovereign-debt default and seeing stabilizing inflation, lower interest rates and a steadier local currency.
Masina表示，标准银行有空间通过抓住西非不断出现的机会实现增长。
Standard Bank has headroom to grow by tapping the opportunities opening in West Africa, according to Masinda.
“当我们考虑标准银行集团自身的业务时，我们认为相对于该市场的机会，我们的规模略显不足，”他说。
“When we think about our own business as Standard Bank Group, we believe we are slightly sub-scale for the opportunities that exist in this market,” he said.
该贷款机构希望在该地区的电力、可再生能源、港口和硬基础设施领域进行投资和结构化交易，利用母公司的资产负债表，并通过纽约、迪拜、伦敦和北京的办事处获取全球资本。
The lender wants to invest in and structure deals in the region’s power, renewables, ports and hard infrastructure sectors, taking advantage of the parent’s balance sheet and accessing global capital through offices in New York, Dubai, London and Beijing, Masinda said.
他表示，该行还计划在该地区招募新员工，并利用金融科技来拓展零售业务以及中小型企业客户群。
It’s also looking to make new hires in the region and leverage fintech to grow retail and small- to medium-sized business clientele, he said.
马辛达称，除西非地区外，标准银行还计划在肯尼亚、安哥拉和埃及等国寻求业务增长。
Outside West Africa, Standard Bank is targeting growth in countries including Kenya, Angola and Egypt, Masinda said.
那些实行浮动汇率制、汇率透明且货币政策具有可预测性的国家，其监管环境正日益完善，从而吸引了大量融资与私募股权投资。
Improved regulatory environments in nations with floating, transparent exchange rates and predictability on monetary policy are bringing in financing and private equity.
“这种情况不仅出现在尼日利亚，在许多其他国家也在发生，”他说道，“这一点对资本而言最具吸引力。”
“It’s happening not just in Nigeria, it’s happening in a number of other countries,” he said. “That, more than anything, is attractive to capital.”
马辛达指出，目前零售、金融科技、电信及基础设施领域有“相当多”的首次公开募股计划正在筹备中。不过由于估值波动，部分IPO进程有所放缓。他还补充道，中东地区的冲突“并无益处，因为它会扰乱价格走势、延缓进程并削弱市场信心。”
There are “quite a lot” of initial public offerings in the pipeline across retail, fintech, telecommunications and infrastructure, but some IPO processes have slowed because of changing valuations, Masinda said, adding that conflict in the Middle East “doesn’t help because it alters prices and it delays, it makes people less confident.”