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
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