Overview of Banking Landscape in Cameroon
The banking landscape in Cameroon, as represented by the APECCAM Cameroon Bankers Association, focuses on financing the economy through universal banking models, retail and wholesale banking, and societal purposes. The sector aims to support businesses, drive economic growth, create jobs, and fight poverty. Retail banking offers various financial solutions, while wholesale banking provides services for businesses such as risk hedging, corporate advisory, and fund management. Challenges include proximity, cost, and confidence factors, with solutions like mobile banking and land reforms being explored.
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Presentation Transcript
APECCAM Cameroon Bankers Association Mathieu Mandeng PRESIDENT
CMR BANKING LANDSCAPE Financing the Economy, The Universal Banking Model Solution Retail or Wholesale Banking Consumer 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. Societal Purpose: Helping people buy homes and grow their wealth
Retail banking or consumer banking Societal Purpose: Helping people buy their homes and grow their wealth Value Proposition: - Current Accts, Saving Accts - Credit Cards - Mortgage loans - Unsecured loans - Wealth management - Etc In need of investment solutions (net saver) In need of financial solutions (net borrower) Performance Indicator: Banking rate : 13.81% End 2011
Challenges Proximity Image / Confidence factor Cost Banking Solutions Other solutions - Extension of branch networks Skew - Micro finance - Minimum guaranteed services - FOGADAC Predominance of the informal sector - Mobile Banking / Finance - 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. Risk hedging Fix Income Loan syndication Corporate advisory M&A Debt Capital Marketing (DCM) Fund Management Interest rate swap Value Proposition: Lending (ST, MT, LT) Cash management Trade Foreign exchange (spot and forward) Structured trade finance Strategic Value Added Transactional cash, trade, sec service Basic Lending (STLX, MTLX, LTLX Indicator: Getting credit of the World Bank Doing Business
Challenges: - Credit information - Debt collection Other Solutions: Strengthen the financial infrastructure Leasing Banking Solutions Credit information Factoring Legal rights Venture capital/Private equity Allowing out of court enforcement Credit information bureaus Credit enhancement institutions Allowing a general description of collateral National register of companies Specialized financial institutions Central payment incidents Maintaining a unified registry Development of the financial market
Thank you for your kind attention
18 Product Groups (as per Finance classification and Customer Profitability report) Cash Management and payment Trade Products Security Services Lending Commercial Banking CRE Import Financing Export CBN Other Export Local Bills Disc. LC issue LC confirmation Acceptance Factoring LC advising Collections Payments Clearing Loans Overdrafts Guarantees/sta ndby Rates & FX FX Derivatives Options Fixed Income Debt Capital Markets Syndications Project & export finance Private equity Private equity Structure d trade Corporate Finance ALM Portfolio Management
