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FIRST NATIONAL BANK BOTSWANA BUSINESS BANKING DIVISION

FIRST NATIONAL BANK BOTSWANA BUSINESS BANKING DIVISION Confidentiality Clause

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FIRST NATIONAL BANK BOTSWANA BUSINESS BANKING DIVISION

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  1. FIRST NATIONAL BANK BOTSWANA BUSINESS BANKING DIVISION

  2. Confidentiality Clause • This document contains information and Intellectual property which is confidential to FNBB. Accordingly, we trust you will understand that this document is provided to you in confidence and may not be reproduced in any form or communicated to any other person, firm or company without prior written approval of FNBB.

  3. Background -Business Banking Reward & Recognition Needs-based solutioning & pricing Save my time, hassle-free delivery Single point of contact/ relationship Information & advice Client need Easy to do Business with Dynamic world Mutual Success Appropriate Solutions/Pricing Strategic intent Business Banking Service model/ Channel mngment Value prop • Improve client satisfaction • Improve Retention • Increase customer base • Portfolio Management Strategic Objectives To be a great business, helping create a better world

  4. BUSINESS BANKING PRODUCTS • Types of accounts • Cheque Accounts • FCA • Investments Accounts • Credit facilities • Loans • Overdrafts • Guarantees • Trade

  5. RANGE OF reliable CARDS SOLUTION • Platinum Credit • Gold Credit • Silver Credit • FNB First Credit

  6. BUSINESS BANKING PRODUCTS con’t • Electronic Banking • In Contact PRO • Business Internet Solutions • Cash Management System • Payments and collections • Transactional referencing • Other • Wesbank, Property, First Funding & Biznetwork

  7. CREDIT CRITERIA • Ratio 1: Facility to Capital ratio 1:1 • Capital = Networth or Assets – Liabilities • Ratio 2: Facility to Security 1:1 • Security = Collateral available for default purposes • Preferable security – fixed immovable assets or valuable movables • Open market value considered but discounted • Extendable Security- Actual Security value that the facility can be extended against

  8. CREDIT CRITERIA con’t • Ratio 3: The Business Case • Up to Date financial statements • Current management accounts • Cash flow statements and Budgets • Suretyship – Shareholders or Directors • Personal Balance sheets • Credit Bureau check

  9. partnership WITH LEA • SIGNED BY OUR CEO’S • MOU implementation includes; Referrals for new accounts Referrals for FNBB customers in need of LEA Joint promotional activities Customer Visits

  10. PARTNERSHIP WITH WIBA • Offer WIBA members favorable rates on: • Call Account • Fixed Deposit • Personal Loans • WIBA Savings Scheme

  11. THANK YOU

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