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NATIONAL DEVELOPMENT BANK

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NATIONAL DEVELOPMENT BANK

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    1. 1 PDM 1 NATIONAL DEVELOPMENT BANK FACILITIES PROVIDED BY THE NATIONAL DEVELOPMENT BANK

    2. 2 PDM 2

    3. 3 PDM 3 NDB CURRENTLY DOES NOT OPERATE CURRENT ACCOUNTS, DEPOSIT ACCOUNTS AND FOREIGN EXCHANGE ACCOUNTS. THE BANK CURRENTLY IS NOT ENVOLVED IN EQUITY PARTICIPATION OF VENTURE CAPITAL OPERATIONS.

    4. 4 PDM 4 NDB FINANCES AGRICULTURAL, COMMERCIAL, PROPERTY DEVELOPMENT (COMMERCIAL, INDUSTRIAL AND RESIDENCIAL COMMERCIAL PROPERTY), INDUSTRIAL AND TOURISM PROJECTS. NDB ALSO OFFERS PERFORMANCE BONDS.

    5. 5 PDM 5 AMONG OTHER FINANCING PARAMETERS NDB IS ENCOURAGED TO FINANCE PROJECTS THAT CREATE EMPLOYMENT, ADD VALUE TO LOCAL RAW MATERIALS, EXPORT ORIENTED, SUBSTITUTE IMPORTS AND TRANSFER TECHNOLOGY TO BOTSWANA.

    6. 6 PDM 6 THE BANK CAN FINANCE PROJECTS UP TO A PERIOD OF 15 YEARS. THE RATE OF INTEREST CHARGED DEPENDS ON THE PROJECT RISK PARAMETERS, PAST REPAYMENT RECORD AND TYPE OF PROJECT TO BE FINANCED. RATES VARY FROM PRIME LESS 2% TO PRIME PLUS 4% MARGIN (FIXED OR FLOATING).

    7. 7 PDM 7 NDB WOULD LIKE INVESTORS TO SHARE IN PROJECT FINANCING BY PUTTING IN CONTRIBUTION OF MINIMUM 25% (CASH OR IN KIND). DO NOT BELIEVE YOU DO NOT HAVE CONTRIBUTION UNTIL YOU HAVE DISCUSSED WITH THE BANK (MANY CUSTOMERS UNDER ESTIMATE THEIR CONTRIBUTION, ESPECIALLY WHEN IT IS IN KIND). NDB TAKES GRANTS OFFERED BY ANY PARTY AS CONTRIBUTION FOR THE BENEFIT OF INVESTORS. HOWEVER INVESTORS WILL STILL HAVE TO PUT IN MINIMUM EQUITY TO DEMONSTRATE COMMITMENT TO THE PROJECT.

    8. 8 PDM 8 THE BANK ENCOURAGES MANUFACTURING CONCERNS AS THEIR BENEFITS TO THE SOCIETY ARE MORE LONG TERM AND NORMALLY ADD MORE VALUE TO INPUTS. IN ASSESSING THE PROJECT PROPOSAL NDB TAKES INTO ACCOUNT FINANCIAL VIABILITY, AVAILABILITY OF MARKET, GOOD MANAGEMENT, SECURITY, CASH FLOW, AVAILABILTY OF RAW MATERIAL AND OTHER PARAMETERS OF IMPORTANCE.

    9. 9 PDM 9 THE BANK FINANCING COVERS ALL BUSINESS REQUIREMENTS. FINANCING FOR WORKING CAPITAL, MACHINERY & EQUIPMENT, LIVESTOCK IN ITS VARIOUS FORMS, LAND AND BUILDINGS. THE BANK ALSO FINANCES THE PURCHASE OF EXISTING BUSINESS PREMISES AND RELATED ASSETS CONSIDERED CRITICAL TO RUN THE OPERATION.

    10. 10 PDM 10 NDB FINANCES LEGALLY REGISTERED ENTITIES (COMPANIES, PARTNERSHIP ETC), INDIVIDUALS, AND OTHER SIMILAR ENTITIES. THE ENTITIES THAT THE BANK PROVIDES LOANS TO SHOULD BE REGISTERED IN BOTSWANA. HOWEVER SHAREHOLDERS NEED NOT BE BATSWANA. CURRENTLY BANK LOANS RANGE FROM P20,000 TO P60 MILLION. THIS FIGURES ARE SUBJECT TO REVIEW FROM TIME TO TIME. THE UPPER LIMIT HAS BEEN GROWING.

    11. 11 PDM 11 THE BANK HAS FORMAL LOAN APPLICATION FORMS, WHICH NEED TO BE FILLED WHEN INVESTORS APPLY FOR A LOAN. HOWEVER INVESTORS ARE ALSO ENCOURAGED TO SEND IN THEIR BUSINESS PLAN(S). THE BANK CONTINUES TO REVIEW APPLICATION FORMS TO MAKE THEM USER FRIENDLY, BUT CAPTURING IMPORTANT INFORMATION FOR APPRAISAL PURPOSES.

    12. 12 PDM 12 THE BANK REQUIRES SECURITY FOR LOANS FINANCED. HOWEVER OVER THE YEARS THIS HAS NOT BEEN A MAJOR PROBLEM AS NDBS PRIMARY SECURITY WILL BE ASSETS IT HAS FINANCED. NDB WOULD LIKE TO RESPOND TO MARKET CHANGES, AS SUCH THE BANK IS LIKELY TO COVER SOME AREAS IN FUTURE, WHICH TRADITIONALLY WERE OUTSIDE OUR CURRENT SCOPE OF OPERATION.

    13. 13 PDM 13 GIVEN THE ABOVE IF THE INVESTOR HAS A PROJECT IN MIND, IT IS ALWAYS BETTER TO ASK FOR INFORMATION FROM ONE OF OUR BRANCHES. THE BANK IS ALSO INVOLVED IN OTHER SCHEMES SUCH AS THE AGRICULTURAL CREDIT GUARANTEE SCHEME & OTHERS LET ME ALSO TAKE THIS OPPORTUNITY TO BRIEF YOU ON OTHER PRODUCT(S) WE ARE CURRENTLY DOING (E.G NTLHATLOSA KWA MORAKENG). WE VALUE ALL OUR CUSTOMERS.

    14. 14 PDM 14 NDB OFFICES ARE LOCATED IN THE FOLLOWING AREAS.

    15. 15 PDM 15 NOW FEEL FREE TO ASK QUESTIONS PLEASE REMEMBER THAT WE HAVE MORE INFORMATION ON OUR INFORMATION BOOKLET. THE END

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