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APECCAM Cameroon Bankers’ Association - PowerPoint PPT Presentation


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APECCAM Cameroon Bankers’ Association. Mathieu Mandeng PRESIDENT. CMR BANKING LANDSCAPE. Financing the Economy, The Universal Banking Model Solution. Wholesale Banking. Retail or Consumer Banking. Societal Purpose: Helping people buy homes and grow their wealth.

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Presentation Transcript
slide2

CMR BANKING LANDSCAPE

  • Financing the Economy,
  • The Universal Banking Model Solution
  • Wholesale Banking
  • Retail or Consumer Banking
  • Societal Purpose: Helping people buy homes and grow their wealth
  • Societal Purposes: Helping businesses to set up and expand, helping to drive economic growth, helping to create jobs and in our context, fighting against poverty.
slide3

Retail banking or consumer banking

  • Societal Purpose: Helping people buy their homes and grow their wealth
  • Value Proposition:
  • - Current Accts, Saving Accts
  • - Credit Cards
  • - Mortgage loans
  • - Unsecured loans
  • - Wealth management
  • - Etc…
  • Performance Indicator:
  • Banking rate : 13.81% End 2011
slide4

Challenges

  • Proximity
  • Image / Confidence factor
  • Cost
  • Banking Solutions
  • - Extension of branch networks
  • - Minimum guaranteed services
  • - FOGADAC
  • - GIMAC
  • - Land reforms (cadastral matrix)
  • Skew
  • Predominance of the informal sector
  • Other solutions
  • - Micro finance
  • - Mobile Banking / Finance
slide5

Wholesale banking

  • Societal Purposes: Helping businesses to set up and expand, helping to drive economic growth, helping to create jobs and in our context, fighting against poverty.
  • Value Proposition:
  • Lending (ST, MT, LT)
  • Cash management
  • Trade
  • Foreign exchange (spot and forward)
  • Structured trade finance
  • Risk hedging
  • Fix Income
  • Loan syndication
  • Corporate advisory
  • M&A
  • Debt Capital Marketing (DCM)
  • Fund Management
  • Interest rate swap
  • Indicator: Getting credit of the ‘World Bank Doing Business’
slide6

Challenges:

  • Credit information
  • Debt collection
  • Banking Solutions
  • Other Solutions: Strengthen the financial infrastructure

Leasing

Factoring

Venture capital/Private equity

Credit enhancement institutions

Specialized financial institutions

Development of the financial market

  • Credit information
  • Legal rights

Allowing out of court enforcement

Allowing a general description of collateral

Maintaining a unified registry

Credit information bureaus

National register of companies

Central payment incidents

18 product groups as per finance classification and customer profitability report
18 Product Groups(as per Finance classification and Customer Profitability report)

Cash Management and payment

Trade Products

Lending

Security Services

CRE

Commercial Banking

Collections

Payments

Clearing

Loans

Overdrafts

Guarantees/standby

Import Financing

Export CBN

Other Export

Local Bills Disc.

LC issue

LC confirmation

Acceptance

Factoring

LC advising

Rates & FX

FX

Options

Derivatives

Fixed Income

Debt Capital Markets

Syndications

Project & export finance

Private equity

Private equity

Structured trade

Corporate Finance

ALM

Portfolio Management