Imagine that you have just successfully completed the PGD BA Programme. Capitec Bank (who was rated number 10 in the Kantar BrandZ Top 10 Most Valuable South African Brands Report for 2022) just completed reviewing the report. You have been approached by the management team of Capitec Bank, requesting your assistance in navigating the road ahead. After your initial meeting and subsequent appointment as consultant, you were given the following assignment brief: Three of the four major retail banks also appear in the top 10 list. You need to undertake additional information gathering, research, as well as analyses of the retail banking industry in South Africa. The following questions were posed:

What additional or alternate strategic choices could Capitec explore? If a decision is taken to pursue such a strategy, what recommendations can be made to ensure successful implementation? Please explain and justify your answer. (20 marks)

What competitive assets would Capitec need in order to improve its future rating by Kantar BrandZ? If a decision is taken to develop such resources and capabilities how could Capitec develop these? (10)