Revolutionize Your Banking in the Region

with the KCB Brand

by Nok Bwonditi,

Executive Director - KCB Bank Uganda

The KCB Brand Heritage; Regional Agenda

KCB Mgt Embarked on a Modernization Journey;

Rebranded the Bank; New Look KCB Refurbished Branch Network; Elegance &

Ambience Re-engineered Processes; Customer Focus Developed Regional Footprints; Subsidiaries in

Tanzania, Sudan, Uganda, Rwanda, Zanzibar & Kenya

Expanded Branch Network; 214 in the Region

The KCB Vision and Mission

VISION; To be the preferred Financial Solutions Provider in

Africa with Global reach. MISSION; To drive efficiency whilst growing market share in

order to be the preferred Financial Solutions Provider in Africa with Global Reach.

KCB GROUP

Over 114 years old Balance sheet of kshs 221bn.(USD 2.7bn) Customer deposits hit kshs 185bn.(USD2.3bn) Loan and advances kshs 126.2bn.(USD 1.5bn) Regional branch network of 214 branches with

more branches at various levels of completion.

Over 4,000 permanent staff.

KCB Bank Sudan Ltd

Over 5 years old. Balance sheet of kshs 12bn.(USD150m) Loan and advances kshs1.65bn.(USD 20.65m) Deposits kshs10.3bn(USD128.8m) Branches 11 (4 more branches by Sept) Over 50,000 customers.

KCB Bank Uganda Ltd

Age: KCB Bank Uganda, 3 years Balance Sheet Strength; Over UGX 125 bn(Usd

55m) Customer Base; About 37,000 Customers, Deposits; UGX 111 bn.(Usd 49.33m) Loan and Advances; Over UGX 54 bn.(Usd 24m) Branch Network; 14 countrywide; Staff Compliment; Towards 300 staff and a couple

of temporary staff. Corporate Citizen e.g. POAUR, Community Day,

CSR Program

KCB Brand Promise; Integrated Regional Connectivity

IT Platform was not Able to Support the Regional Agenda;2 Independent Software Systems; TC3 &Beam version 8 & 11System Required Manual InterventionVulnerability to Frequent Break-downsNo Integrated Banking CapabilityNo On-line, Real-time Capability

KCB Wanted a Versatile System with Several Capabilities to perform Regional Functionalities

The Temenos 24 Hours (T24)

Switzerland Based Company; Temenos 24 Hours (T24)

Founded in 1993, Temenos is a Leading Provider of Integrated Modular Core Banking Systems.

Clientele Base; Over 1,000 Clients in Over 125 Countries

Office Representation; 50 offices in 39 countries Workforce; Over 3,500 Consultants from over 66

nationalities Market Capitalisation; In excess of US$1.5Billion Best Selling System; 2007, 2008 and 2009

In-Built Excellent Features; T24

This system has in-built capabilities; It can provide;

One Branch Bank Capability in the Region; Fast, Efficient, Accurate and Reliable Financial

Data to Customers 24 hours, online, real time Banking Services Capability to Develop IT Driven Products Cost and time saving on remittances(no

correspondent bank charges KCB – KCB).

Available Business Available Business Opportunities in the regionOpportunities in the region

EAC Regional Integration by July EAC Regional Integration by July 2010; 2010; Free Movement of Capital, Free Movement of Capital, Labor, Goods etcLabor, Goods etc

Peace Prevailing in Most Peace Prevailing in Most Countries; Countries; Creating Conducive Creating Conducive Business EnvironmentBusiness Environment

Rich in Natural Resources; Rich in Natural Resources; Attracting Direct Foreign Attracting Direct Foreign Investments into the RegionInvestments into the Region

Uganda’s Strategic Location; Uganda’s Strategic Location; Most Consumer Goods in the Region Most Consumer Goods in the Region are Imported from or Through are Imported from or Through Uganda.Uganda.

Available Business Opportunities Available Business Opportunities in the region in the region

Trade with the Larger Great Lakes Region with Market Potential of over 120 Million People

Unprecedented Focus on Infrastructural Development in the Region.

Majority of Countries Focusing on Economic Growth

KCB Regional Footprints

Risk of Doing Business in the Risk of Doing Business in the RegionRegion

Insecurity and Safety Insecurity and Safety Fake CurrenciesFake Currencies Foreign Exchange Foreign Exchange LossesLosses Lack of Trust Lack of Trust Infrastructure - Infrastructure - Poor Roads, Poor Tele-Coms, Poor Roads, Poor Tele-Coms,

Poor Power Supplies and Service DeliveryPoor Power Supplies and Service Delivery Undeveloped Financial SystemUndeveloped Financial System Bad debts from dishonored instruments of Bad debts from dishonored instruments of

trade.trade.

Other challengesOther challenges

BOSS pegging ratesBOSS pegging rates

Cost of airlifting currencies(from Nairobi).Cost of airlifting currencies(from Nairobi).

Limited lending opportunities. Limited lending opportunities.

BOSS operates as a commercial BOSS operates as a commercial bank(competitor).bank(competitor).

Collapse of some indigenous banks created Collapse of some indigenous banks created doubts amongst local community about doubts amongst local community about bank services.bank services.

Islamic banking practices.Islamic banking practices.

Cost of being a trend setter.Cost of being a trend setter.

KCB BIZ-FLEX:KCB BIZ-FLEX:

Easy and Safe Regional Payments & Easy and Safe Regional Payments & Collections Collections

Funds TransfersFunds Transfers Letters of CreditLetters of Credit Telegraphic TransfersTelegraphic Transfers Cash Deposits/withdrawalsCash Deposits/withdrawals Debit and Credit CardsDebit and Credit Cards

Trade FinanceTrade Finance

Foreign Exchange managementForeign Exchange management

KCB Simplifies Doing Business in the Region

With Payments Going Through KCB You are With Payments Going Through KCB You are

Assured: Assured: Instant Funds Transfers across the BordersInstant Funds Transfers across the Borders Security of Your MoneySecurity of Your Money Managed Exchange Rate RisksManaged Exchange Rate Risks Improved Cash-FlowsImproved Cash-Flows Easy Tracking of Funds from Your Office.Easy Tracking of Funds from Your Office. Simplified Audits due to Availability of Simplified Audits due to Availability of

Statements of Accounts.Statements of Accounts. Proof of Payment Provided by a Statement Proof of Payment Provided by a Statement

and/or Banking Slip.and/or Banking Slip.

KCB simplifies cross border KCB simplifies cross border payments payments

New and Exciting Products for Our Customers

T24 will enable KCB Develop New and More Exciting Products;

Internet Banking Mobile banking- KCB Connect Card Business; KCB Gold VISA, etc Improved E- Statements Improved KCB Bizflex Asset Based Financing School & University Fees Collections QuickPay Many more in the Pipeline

KCB; Is Very Strong Regional Brand; Has Pioneered the One Branch Bank in the

Region Has Regional footprints- 214 Branches and

450 Quick Serve Outlets Has implemented the State-of- the Art IT

Platform Our Appeal; Open a KCB Account to Activate Your

Regional Roaming Status with KCB. Register to Activate Your E-Statement I

wish to Share Some of T24 Ads to Support Our Communication

In Conclusion

Thank You!