Sub-Saharan Africa banking and finance tenders

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A bank is a financial institution that accepts deposits from the public and creates a demand deposit while simultaneously making loans. Lending activities can be directly performed by the bank or indirectly through capital markets. Because banks play an important role in financial stability and the economy of a country, most jurisdictions exercise a high degree of regulation over banks. Most countries have institutionalised a system known as fractional reserve banking, under which banks hold liquid assets equal to only a portion of their current liabilities. In addition to other regulations intended to ensure liquidity, banks are generally subject to minimum capital requirements based on an international set of capital standards, the Basel Accords. Finance is a term for the management, creation, and study of money and investments. Specifically, it deals with the questions of how an individual, company or government acquires money – called capital in the context of a business – and how they spend or invest that money. Finance is then often divided into the following broad categories: personal finance, corporate finance, and public finance.

Sub-Saharan Africa is, geographically, the area of the continent of Africa that lies south of the Sahara. According to the United Nations, it consists of all African countries and territories that are fully or partially south of the Sahara. While the United Nations geoscheme for Africa excludes Sudan from its definition of sub-Saharan Africa, the African Union's definition includes Sudan but instead excludes Mauritania. Since probably 3500 BCE, the Saharan and sub-Saharan regions of Africa have been separated by the extremely harsh climate of the sparsely populated Sahara, forming an effective barrier interrupted by only the Nile in Sudan, though navigation on the Nile was blocked by the Sudd and the river's cataracts. The Sahara pump theory explains how flora and fauna (including Homo sapiens) left Africa to penetrate the Middle East and beyond. African pluvial periods are associated with a Wet Sahara phase, during which larger lakes and more rivers existed. Countries in Sub-Saharan Africa are Angola, Benin, Botswana, Burkina Faso, Burundi, Cabo Verde, Cameroon, Central African Republic, Chad, Comoros, Congo, Democratic Republic of, Congo, Republic of, Cote d'Ivoire, Equatorial Guinea, Eritrea, Ethiopia, Gabon, Gambia, The, Ghana, Guinea, Guinea-Bissau, Kenya, Lesotho, Liberia, Madagascar, Malawi, Mali, Mauritania, Mauritius, Mozambique, Namibia, Niger, Nigeria, Rwanda, Sao Tome and Principe, Senegal, Seychelles, Sierra Leone, Somalia, South Africa, South Sudan, Sudan, Tanzania, Togo, Uganda, Zambia, Zimbabwe.