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 ID: 1038196
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1. APECCAM Cameroon Bankers’ AssociationMathieu Mandeng PRESIDENT
2. Financing the Economy, The Universal Banking Model SolutionRetail or Consumer BankingWholesale BankingSocietal Purpose: Helping people buy homes and grow their wealthSocietal 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
3. Retail banking or consumer bankingPerformance Indicator: Banking rate : 13.81% End 2011Value 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
4. Challenges Proximity Image / Confidence factor Cost SkewPredominance of the informal sector Other solutions- Micro finance- Mobile Banking / FinanceBanking Solutions - Extension of branch networks- Minimum guaranteed services - FOGADAC- GIMAC- Land reforms (cadastral matrix)
5. Wholesale bankingSocietal 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 TradeForeign exchange (spot and forward)Structured trade finance Risk hedgingFix IncomeLoan syndicationCorporate advisoryM&ADebt Capital Marketing (DCM)Fund ManagementInterest rate swap Indicator: Getting credit of the ‘World Bank Doing Business’
6. Challenges: Credit information Debt collection Banking SolutionsOther Solutions: Strengthen the financial infrastructure LeasingFactoringVenture capital/Private equityCredit enhancement institutionsSpecialized financial institutionsDevelopment of the financial market Credit informationCredit information bureausNational register of companiesCentral payment incidentsLegal rights Allowing out of court enforcement Allowing a general description of collateral Maintaining a unified registry
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8. 18 Product Groups(as per Finance classification and Customer Profitability report) CRESecurity ServicesLendingCash Management and paymentTrade ProductsLoansOverdraftsGuarantees/standbyCollections Payments ClearingImport FinancingExport CBNOther ExportLocal Bills Disc. LC issueLC confirmation AcceptanceFactoringLC advising FXDerivativesOptionsFixed IncomeSyndicationsProject & export financePrivate equityStructured tradePrivate equityCommercial BankingPortfolio ManagementRates & FX Debt Capital Markets Corporate Finance ALM