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FIRST NATIONAL BANK BOTSWANA BUSINESS BANKING DIVISION Confidentiality Clause

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FIRST NATIONAL BANK BOTSWANA

BUSINESS BANKING DIVISION

confidentiality clause
Confidentiality Clause
  • This document contains information and Intellectual property which is confidential to FNBB. Accordingly, we trust you will understand that this document is provided to you in confidence and may not be reproduced in any form or communicated to any other person, firm or company without prior written approval of FNBB.
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Background -Business Banking

Reward & Recognition

Needs-based solutioning & pricing

Save my time, hassle-free delivery

Single point of contact/ relationship

Information & advice

Client

need

Easy to do

Business with

Dynamic world

Mutual Success

Appropriate

Solutions/Pricing

Strategic

intent

Business Banking

Service model/

Channel mngment

Value

prop

  • Improve client satisfaction
  • Improve Retention
  • Increase customer base
  • Portfolio Management

Strategic

Objectives

To be a great business, helping create a better world

business banking products
BUSINESS BANKING PRODUCTS
  • Types of accounts
  • Cheque Accounts
  • FCA
  • Investments Accounts
  • Credit facilities
  • Loans
  • Overdrafts
  • Guarantees
  • Trade
range of reliable cards solution
RANGE OF reliable CARDS SOLUTION
  • Platinum Credit
  • Gold Credit
  • Silver Credit
  • FNB First Credit
business banking products con t
BUSINESS BANKING PRODUCTS con’t
  • Electronic Banking
  • In Contact PRO
  • Business Internet Solutions
  • Cash Management System
  • Payments and collections
  • Transactional referencing
  • Other
  • Wesbank, Property, First Funding & Biznetwork
credit criteria
CREDIT CRITERIA
  • Ratio 1: Facility to Capital ratio 1:1
    • Capital = Networth or Assets – Liabilities
  • Ratio 2: Facility to Security 1:1
    • Security = Collateral available for default purposes
    • Preferable security – fixed immovable assets

or valuable movables

    • Open market value considered but discounted
    • Extendable Security- Actual Security value that the facility can be extended against
credit criteria con t
CREDIT CRITERIA con’t
  • Ratio 3: The Business Case
    • Up to Date financial statements
    • Current management accounts
    • Cash flow statements and Budgets
    • Suretyship – Shareholders or Directors
    • Personal Balance sheets
    • Credit Bureau check
partnership with lea
partnership WITH LEA
  • SIGNED BY OUR CEO’S
  • MOU implementation includes;

Referrals for new accounts

Referrals for FNBB customers in need of LEA

Joint promotional activities

Customer Visits

partnership with wiba
PARTNERSHIP WITH WIBA
  • Offer WIBA members favorable rates on:
  • Call Account
  • Fixed Deposit
  • Personal Loans
  • WIBA Savings Scheme