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APECCAM Cameroon Bankers’ Association

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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APECCAM Cameroon Bankers’ Association

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  1. APECCAM Cameroon Bankers’ Association Mathieu Mandeng PRESIDENT

  2. 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.

  3. 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

  4. 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

  5. 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’

  6. 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

  7. Thankyou for yourkind attention

  8. 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

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