Our banking model recognizes the need for specialisms, offering sector-specific relationship managers who understand the opportunities and challenges of your market. Therefore, our clients benefit from our sector teams and industry research.

With a focus on sustainability, supply chain efficiency and high-value manufacturing in today’s environment, we are well placed to help your business achieve its growth objectives.

The manufacturing sector comprise of various sub-sectors which include: Cement; Food and Beverage; Textile, Apparel, and Footwear; Wood and Wood products; Pulp Paper and Paper products; Chemical and Pharmaceutical products; Non-Metallic Products, Plastic and Rubber products; Electrical and Electronic, Basic Metal and Iron and Steel; Motor Vehicles and Assembly; and Other Manufacturing.

What we offer manufacturing clients:

  • Valuable contacts through our relationships with industry bodies, trade associations and working with leading businesses across the sector.
  • In-depth analysis of manufacturing trends from our research teams.
  • Industry specific credit and product teams that understand your business sector and the finance you need to grow within it.

 

Product Offerings and Services

  • Asset Finance
  • Cash/Liquidity management
  • Working capital
  • Foreign Exchange
  • Letters of credit
  • Bonds and Guarantees

With over 100 years heritage working with both large and small scale agricultural businesses, we are committed to offering a range of products and services.

Our strong agricultural foundation has enabled us to build a team experienced in related industries, including supply chains, food processing, agro-allied services and machinery. You can benefit from this experience through our experienced Relationship Managers.

What we offer

  • Asset Finance
  • Liquidity Management
  • Term Loans
  • Overdraft
  • Invoice Discounting

This sector focuses on managing relationships of players in the oil and gas space engaged in downstream, upstream and services. The Relationship Managers have sector specific expertise to proffer the right financing products/services for business growth.

The sector also offers expertise in the mining and power sector.

Product Offerings and Services

  • Reserve based lending
  • Project Finance,
  • Assets acquisition finance,
  • Contractor finance facility,
  • Receivables discounting,
  • Bonds and guarantee facility,
  • Equipment leasing,
  • Letters of credit, and
  • Advisory services

Our dedicated trade and general commerce team offers a wide range of customized solutions to meet the business needs of general traders, importers, exporters, supermarkets and key distributors.

Product Offerings and Services

  • Asset Finance
  • Cash management
  • Working capital
  • Liquidity management
  • Foreign Exchange
  • Payments and collections

Letters of exchange

We are committed to providing specialist banking solutions for Transport and Logistics businesses. Our team of dedicated relationship managers are familiar with the intricacy and competitiveness of the sector and will work closely with you to help your business grow

Take advantage of:

  • in-depth analysis of Transport and Logistics trends from our in-house research team
  • Sub-sector specific relationship managers that understand your sector challenges, and the finance you need to grow within it
  • regular networking opportunities and industry events

 

Product Offerings and Services

  • Project Finance,
  • Assets acquisition finance,
  • Contract finance facility,
  • Receivables discounting,
  • Bonds and guarantee facility,
  • Advisory services, and
  • Equipment leases.
  • Foreign Exchange
  • Working capital
  • Liquidity Management
  • Letters of credit

We recognize that this sector is diverse, and the businesses within it have different needs. To be more closely aligned to your specific requirements, our Relationship Managers have a dedicated focus:

  • Accountancy
  • Legal
  • Property Consultants

What we can offer:

Our Professional services banking suite of medium and long-term finance products is as flexible as it is far-reaching, drawn from across the Bank:

  • Cash Management
  • Term Loan
  • Working Capital
  • Letters of Credit

Bonds Guarantees and Indemnities

Our clientele of Non-Bank Financial Institutions ranges from Asset Managers, Stockbrokers, FinTech’s, to Insurance Companies and Microfinance Banks. Our dedicated team of relationship managers provide transaction banking services of the highest standard to our clients across the country.

Product Offerings and Services

  • Cash management
  • Investment Banking
  • Financing
  • Foreign Exchange
  • Online banking services
  • Letters of credit

As a bank that has specialist education sector relationship managers, we provide the right products and services to our clients.

We have built a strong market presence and become a trusted partner to a wide range of clients across the education sector as we provide corporate banking services for universities, colleges and schools.

Our Education clients benefit from:

  1. Our network of education specialists
  2. Our industry experience. We have banking relationships with top tier educational institutions and we also partner with investment firms (private equity) involved in education
  3. Regular networking events offering access to major players and stakeholders in the education ecosystem as well as valuable new contacts across the sector

What we offer:

  • Cash Management
  • Financing
  • Corporate Lending
  • Project Finance

The markets our Hospitality and Leisure team specialize in – Leisure Operators, Hotels, Professional Sport, Restaurants and Licensed Trade and Travel – are often closely connected. Business within one can lead to opportunities within another. Our experienced Relationship Managers across the sector work together to identify potential new markets and synergies for business.

Take advantage of:

  • regular networking opportunities, industry events and sponsorships
  • in-depth analysis of Hospitality and Leisure trends from our in-house research team

What we offer:

  • Liquidity and Cash Management
  • Payments and collections
  • Term Loans
  • Foreign Exchange
  • Bonds, Guarantees and Indemnities

The complexity and competitiveness of the telecoms sector is something we’re familiar with.  To be closely aligned to specific business requirements, our Relationship Managers have a dedicated focus:

  • Network Operators – we have relationships with network operators nationwide.
  • Service Providers – we provide finance to telecoms service providers nationwide.
  • Software– we offer financing to producers of bundled and/or unbundled software applications, for business and consumer use.
  • Data Centers– we offer corporate banking products and services to data centers.
  • IT Services– from data processing to web design, we cover providers of computer and internet-related services to businesses and consumers.

 

As one of our Telecoms clients, we also offer you:

  • valuable networking opportunities through long-standing relationships with key sector bodies and our series of regular industry seminars
  • in-depth analysis of Telecoms trends from our in-house research team

 

What we offer:

  • Cash and Liquidity Management
  • Term loans
  • Working Capital
  • Asset Finance
  • Foreign Exchange

We provide the right products and solutions that meets your business needs.

We have built a strong market presence and become a trusted partner to a wide range of clients across the Hotel and Restaurant sector as we provide corporate banking services.

We offer:

  • valuable contacts through our relationships with trade associations and industry bodies
  • regular networking opportunities and industry events
  • in-depth analysis of Hotel trends from our in-house research team
  • industry-aligned credit and cash support

 

What we offer:

  • Robust online platforms
  • Liquidity Management
  • Term Loan
  • Working Capital
  • Bonds, Guarantees and Indemnities.

To be closely aligned to your specific business requirements, our Relationship Managers have dedicated areas of focus, including:

  • Publishing– numerous publishers bank with us in both B2B or B2C and across the newspaper, magazine and book sub-sectors.
  • Marketing Services– covering industries from advertising to digital marketing banking, we have relationships with many of the global and independent Marketing Services networks.
  • Music– we work with clients in the live and recorded sectors, ranging from promoters to collection agencies, labels, publishers and more

What we offer

  • Cash Management
  • Foreign Exchange
  • Term Loans
  • Working Capital

We understand the markets you operate within, and the financing you need to achieve business growth within this sector.

What we offer

We provide a full-service offering that includes day-to-day banking, (both investment finance and pre-let commercial development finance) and we offer:

  • Liquidity Management
  • Term Loan
  • Working Capital
  • Bonds, Guarantees and Indemnities.