DEVELOPMENT BANK OF SOUTHERN AFR

You're competing with the Development Bank of Southern Africa, a strong player that's been active for 8 years and operates in 6 provinces. They do a significant amount of government work, with about R282 million in total revenue, and have a particularly strong presence in the education sector, working with departments like Limpopo Education and North West Education. What makes them a strong competitor is their ability to provide a range of services, including management advisory services and human resources services, which account for a large portion of their government spend. If I were you, I'd take a closer look at their commodity offerings and consider how your business can differentiate itself in the market.