Core Offering

Our banking model recognizes the need for specialisms, offering sector-specific relationship managers who understand the opportunities and challenges of your market.

Manufacturing

We are committed to our role as a Bank and are very active in the sector. With an industry focus on sustainability, supply chain risk and high-value manufacturing in today’s environment, we are well placed to help your business achieve its objectives.

The manufacturing sector comprise of so many 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.


Advantages

  • 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.

What We Offer

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

Extractive Services

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

Trade & General Commerce

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

Logistics, Maritime & Transportation

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

Professional Services

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: Legal, Accountancy and 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:

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

Bonds Guarantees and Indemnities

Non Bank Financial institutions (NBFI)

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

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

Hospitality & Leisure

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:

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

Telecoms and Technology

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:

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

Hotal and  Restaurants

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 deliver 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 and industry-aligned credit and cash support.


What we offer:

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