Agricultural banking

We are committed to the development of the agricultural sector in Namibia. Thus we offer a range of products and services specifically tailored to meet your needs and add value to your farming business. We have an agricultural team on hand to advise you on a range of issues related to your farming and agri-business. Additionally we have financial experts to provide you with financial services you may require e.g. wealth creation and estate planning.

Agricultural business current account

  • It gives you the most flexibility and convenience for all your farming transactions
  • It is your key to simplify your agricultural banking and opens up doors to the other agricultural banking products
  • A cheque book is an integral part of the agricultural business current account, with most packages offering guaranteed cheques
  • We offer you free access to Internet banking with a Business Auto bank card




An overdraft is the ideal way to finance your working capital and cash flow. It is linked to your current account and you can use as much as you need up to your limit.

  • It is quick and easy to arrange
  • Cash is available when you need it
  • Interest is paid only on funds you use, not on the full amount at which your limit is set

Business revolving credit plan (BRCP)

A business revolving credit plan, as the name suggests, provides for a continuous line of credit within the agreed limit. It is paid off over five years or less if you wish. Like an overdraft, you only pay interest on what you use. You don’t have to use the whole amount at once. Once you have repaid 25% of the loan, you can withdraw funds up to the original limit, without affecting your monthly repayments.

  • The loan can be linked electronically to your business account, so you can transfer funds electronically;
  • You can redraw (up to the original amount) without having to reapply, as long as you have repaid 25% of what you owe on the original amount; 6
  • It enables easy cash flow planning because of fixed monthly payments.


Medium term loan (MTL)

The medium term loan, which can be paid off in monthly, bi-monthly, quarterly, bi-annual or annual installments over a period of 2 to 10 years (sometimes 15 years for agricultural land), is suitable for capital expenses such as movable assets and land

  • Interest is linked to prime
  • The amount of the loan, the interest rate and your repayment plan depend on how much collateral you have and the value of the assets you want to buy
  • You can agree to a repayment plan that suits your business/enterprise and cash flow
  • We will not call for repayments earlier than the terms agreed to, provided our terms and conditions are being met

Vehicle and asset finance (VAF)

Vehicle and asset finance is the ideal way to finance all your farming vehicle and implement needs. We have a 7 wide range of packages to suit your business’ cash flow and tax requirements.

Vehicles and assets we finance include:

  • Tractors
  • Harvester
  • Centre pivot
  • Solar panels



John Deere Tractors and Equipment

Hartebeestloop Bonsmara

Burger's De-Bushing Equipment

Contact us

Mr. Gerhard Mukuahima
Head Agriculture 
P/Box 3327, Windhoek, Namibia
Tel: +264 (0) 61 294 2684 / 0811490622
Fax: +264 (0) 61 294 2624
Email: [email protected]

Mr. Michael Witbooi
Relationship Manager
Tel: +264 61 294 2950 / 0813555400
Fax: +264 63 240 686
Email: [email protected]

Mr. Andre Botes
Relationship Manager
Tel: +264 61 294 2476 / 0811293802
Fax: +264 63 240 686
Email: [email protected]

Mr. Benestus Kandorozu
Relationship Manager
Okahandja Branch
Tel: +264 62 503 047 / 0813020240
Fax: +264 62 501 760
Email: [email protected]

Mr. Gebhardt Tjiho
Relationship Manager
Gobabis Branch
Tel: +264 62 562 074 / 0811224756
Fax: +264 62 562 710
Email: [email protected]

Mr. Johan Schoonbee
Relationship Manager
Otjiwarongo Branch
Tel: +264 67 302 051 / 0811609500
Fax: +264 67 302 320
Email: [email protected]

Mr. Kobus van der Merwe
Relationship Manager
Outjo Branch
Tel: +264 67 302 051 / 0812793884
Fax: +264 67 302 320
Email: [email protected]

Mr. Jan Hayward
Relationship Manager
Tsumeb / Grootfontein / Otavi Branch
Tel: +264 67 220 956 / 0812910950
Fax: +264 67 221 871
Email: [email protected]

Ms. Adri Horn
Relationship Manager
Mariental Branch
Tel: +264 63 242 371 / 0812494064
Fax: +264 63 240 686
Email: [email protected]

Mr. Johan Marais
Relationship Manager
Keetmanshoop Branch
Tel: +264 63 223 274 / 0811227577
Fax: +264 63 223 961
Email: [email protected]