APECCAM Cameroon Bankers’

Association

Mathieu Mandeng PRESIDENT

Financing the Economy, The Universal Banking Model

Solution

Retail or Consumer Banking

Wholesale 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.

CMR BANKING LANDSCAPE

Retail banking or consumer banking

Performance Indicator: Banking rate : 13.81% End 2011

Value Proposition:- Current Accts, Saving Accts- Credit Cards - Mortgage loans- Unsecured loans- Wealth management - Etc…

Societal Purpose: Helping people buy their homes and grow their

wealth

In need of investment

solutions (net saver)

In need of financial solutions

(net borrower)

Challenges • Proximity

• Image / Confidence factor • Cost

Skew

Predominance of the

informal sector

Other solutions

- Micro finance

- Mobile Banking / Finance

Banking Solutions

- Extension of branch

networks

- Minimum guaranteed

services

- FOGADAC

- GIMAC

- Land reforms (cadastral

matrix)

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’

Value Added

Transactionalcash, trade, sec service

Basic Lending (STLX, MTLX, LTLX

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

Credit information bureaus

National register of companies

Central payment incidents

Legal rights

Allowing out of court enforcement

Allowing a general description of collateral

Maintaining a unified registry

Thank you for your kind

attention

18 Product Groups(as per Finance classification and Customer Profitability report)

CRESecurity Services

Lending

Cash Management and payment

Trade Products

LoansOverdraftsGuarantees/standby

Collections Payments Clearing

Import FinancingExport CBNOther ExportLocal Bills Disc. LC issueLC confirmation AcceptanceFactoringLC advising

FX Derivatives Options

Fixed Income

Syndications

Project & export finance

Private equity

Structured trade

Private equity

Commercial Banking

Portfolio Managemen

t

Rates & FX

Debt Capital Markets

Corporate Finance

ALM