11. equity bank - njoroge - entreprendre...
TRANSCRIPT
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The Experience of Equity Bank LimitedApollo Njoroge
Head of Business Relat ions Equity Bank
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Restructuring banking models from supply to be demand driven.Realign Processes, Procedures & Systems.Restructuring delivery mechanisms.Cultural Re-orientationReview of business models from low volume-high margin to high volume-low margin models.
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Developing a Unique Emotional & economic Bond
with Clients
Transforming lives & livelihoods;
giving dignity & possibilities
Volume of transactions &
Number of clients
Equity Bank: Business Model-Emotional Appeal
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Self
Style of Delivery Actualization
Esteem
Belonging
Social & Security
Products & Services Basic Needs
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SME Concept approach.
Market-led & Customer focusedEvolves around needsIntermediation is at the level of households
Products & servicesDemand driven by life cycle needs Respond to evolvement & development of the client.
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The bank exists to give the freedom of modern banking to the ord inary people of Kenya. Our aim is to provide new financial possibilities to
our customers that have the power to transform their lives. We measure ourselves
by our positive impact on the lives and livelihoods of our clients.
Moving Africa.
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to be the preferred Micro Finance services provider contributing to the
economic prosperity of Africa
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We mobilize resources and offer cred it to maximize value and economically
empower the micro-finance clients and other stakeholders by offering
customer focused quality financial services.
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Super Junior Savings Account
Personal Savings Account
Remittance Savings Account
Business Savings Account
Current Accounts
Jijenge (contractual savings)
Call and Fixed Deposits
A Safe, Secure Place For Your Money!
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Value Proposition For Saving Products
Affordable- Minimum Operating balance - Nil- No ledger fee/No maintenance fee
Accessible- Account opening balance-Nil- No restrictions on amounts and frequency
of withdrawals
- No appointment on seeing the managers
- 65 Branches & 44 Mobile Branches
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Products that respond to lifecycle needs of SME-Loan Products
Social LoansMedical EducationEmergency
Working Nation LoansSalary AdvanceEquiloan check off loans
Agricultural Loans Backbone of EconomyFarm Input Crop AdvanceCommercial Farm Loans
Supporting Commerce, Trade and IndustryMicro Loans (Biashara Imara)Overdraft Working CapitalBusiness Development Loans
Growing Together In Trust!
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Value Proposition ForLoan Products
- Available to all account holders
- Tailored to the ind ividual needs
- As low as Kshs.500-1,000/- ( Euros 5-10)
- Appraisal ability to pay based vis-a-vis collateral based
- Flexible Securities/collateral
- Prompt d isbursement
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Letters of credit (LOC) Documentary CollectionsBills & Invoice DiscountingSWIFT RemittancesStructured Trade FinanceBureau de Change. (Cash Notes)Inward/Outward telegraphic transfers.Call and Fixed Deposits (Short/Long term.)Call and Fixed DepositsTreasury Bills/Bonds.Corporate Bonds.
Trade Finance/ Treasury Products
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Banker s ChequesCheque clearingLocal/Intl Telex transfer & pmts Western Union Money TransferMoneyline Money Transfer-UK Bid Bonds Performance BondsBank GuaranteesRemittance ProcessingLetters of Credit/Trade FinanceForex
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Growth Number of Deposit Clients
12 18 26 32 41 48 61 105 155252
1,602
556
420
1,014
050
100150200250300350400450500550600650700750800850900950
10001050110011501200125013001350140014501500155016001650
1994 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 2006 Sep'07
(In
th
ou
san
ds
of
acc
ou
nts
)
Home of 41% of all bank account holders in Kenya
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Growth in Volume Customer Deposits
26,640
16,336
9,047
115 123 175 286 425 608 978 1,5002,191 3,368
5,081
94 95 96 97 98 99 2000 2001 2002 2003 2004 2005 2006 Sep'07
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94,566
67,000
41,00018000
9,0332,7531,460954695347298
165,213
252,147
332,290
0
50000
100000
150000
200000
250000
300000
350000
400000
94 95 96 97 98 99 2000 2001 2002 2003 2004 2005 2006 Sep'07
Home to 42% of all loan accounts in Kenya
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16,971
11,428
5,885
35 97 122 195 230 327 450 860 1,1891,734
3,099
94 95 96 97 98 99 2000 2001 2002 2003 2004 2005 2006 Sep'07
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KES 5471,531
1,103
501
21814211155
2518111297 35
94 95 96 97 98 99 2000 2001 2002 2003 2004 2005 2006 Sep '07
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KES 54734,495
20,024
11,456
3,9242,5761,8811,260709487
6,707
98 99 2000 2001 2002 2003 2004 2005 2006 Sep'07
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KES 5473,245
2,201
1,594
1,271
478324227
6647232313
-19
195
94 95 96 97 98 99 2000 2001 2002 2003 2004 2005 2006 Sep'07
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2,301
1,395
884
585
210354
117 1651099265574835
94 95 96 97 98 99 2000 2001 2002 2003 2004 2005 2006 Sep'07
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Exponential Growth
187,678Kshs 16.9 BillionKshs 9 MillionLoan book
8,422230127Number of staff
1,525654Number of branches
High2000ATMs
5521,602,0002,892Number of customers
120,809Kshs.26.6 BillionKshs 22 MillionCustomer Deposits
21,329Kshs 1.5 Billion (up to Sept)
Loss Kshs (7 Million
Annual Profit
130,142323,000248Number of borrowers
GROWTH%AGE
Sept 20071994
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Village Mobile BankingTaking banking services to the people
Village mobile banks (rural focus
Application Of Technology For Outreach
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Automated Teller Machines
Alternate Delivery Channels
Kimathi Auto Branch 24 hrs 10 ATM s
The bank has deployed 200 ATMs to be able to offer financial services at a reduced cost and also decongest the branches.
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Eazzy Banking/Mobile SMS BankingThe mobile phone as a delivery channel is a revolutionary way ofbranchless banking making basic financial services more accessible to millions of Kenyans across the country:
Airtime top-upBalance enquiryTransfers to nominated accounts (within Equity Bank)Bill paymentsInternet BankingSupermarkets Cash back servicesPoints of saleRetail Outlets agency networkVISA, Credit & Debit CardsEquity MoneyLink Money transfer
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(insert the SMS banking poster)
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(insert the SMS banking poster)
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I ntegration with the community
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Free mass public financial literacy education training & technical assistance
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From Left: Peterson Muthathai-Chairman Principals Association, Ibrahim Hussein-Chairman TSC, James Mwangi-Equity CEO, Prof Saitoti- Minister for Education, Peter Munga-Equity Chairman, Francis Ng'ang'a-KNUT Secretary General, Gabriel Lengoibon-TSC Secretary, Abdi Mohammed-PDE Nairobi, Peter Macharia-PDE Rift Valley, with the beneficiaries-2006.
Pre-university employment program
Social Bonding
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Affirmation of Concept
Ratings Recognitions
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EUROMONEY 2007 Awards for Excellence
The Best Bank award for Excellence from Euromoney with its unrivalled track record is the most prestigious accolade a financial institution can
receive in the world.
Equity Bank Voted Best Kenyan Bank 2007
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Equity Ranked Best Microfinance institution in
Africa & 3rd Best in the world
Benchmarked analysis conducted amongst leading microfinance institutions globally by Microcapital
The candid voice for microfinance investment
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2007 Global Vision Award on Microfinance
Initiators of the Concepts of the Future that will shape
the World Economy
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Compliance & Contribution to the EconomyEquity among largest top taxpayers
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Strong Deposit growth
Good Profitability
High Quality Management & Strategic Management
Equity s performance for the YTD has been positive. The YTD performance is due to sustained growth in banks operating base, leading to higher volumes, and a continued shift to higher yielding assets. The bank has also realised from economies of scale from its investment in delivery channels.
Short-term: ALong-term: A+
Contributing Factors
Rating
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Growing Customer base
Solid CapitalContributing Factors
Good Management
Equity maintained its ranking as the 3rd
Best Bank in the country for the second year in a row 2005-6
3rd Best Bank Overall-2005 & 6Best Retail Bank in KenyaBest Kenyan BankFastest Growing Bank
Rating
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Equity Bank winner of Corporate Planning Management Award COYA 2006
COYA a celebration of management excellence
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That when years turn our vision dim and gray, we shall still be seeing beauty in the tired wrinkles of our faces and shall take comfort out of the fact and knowledge that when we were given the opportunity we did all we could to empower our people to exploit opportunities and realise their full potential on the road to economic prosperity.
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