Bunna International Bank S.C.Background:It is a share company licensed in June 2009;On board as comprehensive Commercial

Banking Businesses;The first of its kind in startup

capital ,i.e.,312million and160million Birr subscribed and paid up capital, respectively;

Strong shareholder base-more than 11,ooo;Commencement of operation was on 10th of

October 2009;

Background---Cont’d Unlike most commercial banks, BIB has registered

profit in its first year, nine months operation;BIB has 35 branches stretched throughout the

country; The total asset reached Birr2.2billion as at June 30th

2013;Outstanding loans and advances reached

Birr938million as at June30th 2013;Outstanding deposit reached Birr 1.55billion as at

June 30th 2013;Healthy asset-with nonperforming rate of 2.5%;Paid divided for shareholders for the last two

operation periods; Job opportunity for 368 employees; The total number of depositors and borrowers as at

June 30th 2013 stands more than 42,000 and 1000, respectively;

Structured functionally, CEO at the top with 9 Departments and two services;

Mission &Vision Mission :Provide distinctly flavored banking service at

convenient location;Strong commitment to enhance values of key

stakeholders through state of the art technology, high talent human resources;

Vision: To be public powered, uniquely flavored and

most accessible bank;

ValueValues StatementEncourages team spirit;Employees are the greatest assets of the

Bank;Commitment to meritocracy and

professionalism;promote “Out of the box” thinking and invests

in feasible ideas;promote good corporate governance;Commitment in corporate citizen with social

and environmental responsibilities;

Products /Services

As comprehensive Commercial Bank, major services of BIB are as follows:

1. Accepting Deposit: the required fund is mobilized in the form of demand, saving and time deposit, however, the Bank has developed the following new deposit products:

Minor Trust Deposit account;Youth Target Deposit account;Special Purpose deposit account;Deposit account for investment

Products/Services ….Cont’d

Money Market account;Negotiable Order of Withdrawal account;Gold Chq account;Star Demand Deposit account;Salary Drawing account ;Student Fund Transfer account;Gift cheque account

Money Market account;Negotiable Order of Withdrawal account;Gold Chq account;Star Demand Deposit account;Salary Drawing account ;Student Fund Transfer account;Gift cheque account

Products /Service ……Cont’d

2. International Banking Services: BIB provides advice to customers on:

financial issues; potential risks due to lack of information and

banking procedure, and advice for importers and exporters

2. International Banking Services: BIB provides advice to customers on:

financial issues; potential risks due to lack of information and

banking procedure, and advice for importers and exporters

Products /Service ….Cont’d3. Loans and advances: BIB provides credit for

borrowers of various economic sectors such as agriculture, industry, import-export domestic trade and services.

However, BIB has also launched multifaceted new loan products ranging from agriculture to SME’s and government to non government organizations :

List of loan products are: Business loans-such as Bridge finance, cash flow

lending, receivable finance, inventory finance, Dealer finance, floor finance, commercial real-estate, construction , export-import related, loan for vehicles, traders working capital ,contractor financing , line of Credit, merchandise, overdraft facilities,

Products /Service …Cont’d

Agriculture Finance: it includes loan facilities such as Production-agriculture ,Non-production agri-loan, Agri-project (end to end)

Housing Finance ( includes expansion and improvement)Single Unit mortgage Multiple Unit mortgage Condominium Developer Loan

Products /Service -----Cont’d

Consumer loans ;SME’s/micro loans;Contractor financing;Loans for NGO’s

Consumer loans ;SME’s/micro loans;Contractor financing;Loans for NGO’s

Competitive Advantage of BIB:

Clarity of vision and mission-BIB knows where to go ahead;

Diversified and broad based shareholders-potential for resource mobilization;

Well-qualified and experienced management team and Board of Directors members;

Positive attitude of employees to BIB;Good public image; Availability of new or improved loan and

deposit products;

The way forward:

The Bank has formulated five years strategic plan taking the financial, marketing, products/channels, operations, people, and enterprise strategic issues as major pillars.

Set clear directions on how to work with SME’s, NGO’s and cooperatives;

Thank you