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ITC SheTrades Webinar Series:

Coffee with Opportunity Bank Uganda

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Anna Mori

Project/Partnership

Manager

Nina Jessen

Communications Expert

ITC SheTrades Invest Team

Leticia Johnson

Project Coordinator

Marco Aletti

Access to Finance Expert

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Our Speaker:

ITC SheTrades Webinar Series:

Coffee with Opportunity Bank Uganda

Mr.Amos Bonna

Manager Credit, Admin

and Control

UNLOCKING BUSINESS OPPORTUNITIES

THE OPPORTUNITY WAY

WHO WE ARE

1995

• Was founded as a Microcredit program from Food for the Hungry international (FHI).

1999

• Faulu Uganda Was incorporated as a company limited by guarantee.

2006

• Opportunity International Acquired 63% of Faulu Uganda; Faulu Trust and Food for the Hungry became minority shareholders

2008

• Faulu acquired a tier 2 Banking License from the Central Bank.

2009

• Faulu (U) Ltd rebranded to Opportunity Uganda Ltd, to reflect change in ownership.

2011

• Opportunity Uganda Limited changed its name to Opportunity Bank Uganda Limited.

2019• Opportunity Bank received a Tier 1 License to operate as a

Commercial Bank.

SheTrades Webinar Training June 2020

VISION & MISSION

MISSION: “Offering innovative technology-led financial solutions and training to transform lives of ordinary individuals, micro, small and medium size

entrepreneurs. We do this with care, respect and in a sustainable way.”

VISION: “The Bank of choice for all who aspire to a life of dignity and

purpose”.

SheTrades Webinar Training June 2020

PRODUCTS & SERVICES

Money Gram

Bancassurance SavingsLoans Remittances Channels

Micro Finance Credit life Ordinary Savings

Small Loans

Medium Loans

Large Loans

Life Fixed term

Western UnionAgro Save

Express Money Cell phone Banking

Retail loans

Extra Save

Child Savings

Target Savings

World RemitAgency Banking

GeneralATMs

Forex

VSLAs/SACCOs

SheTrades Webinar Training June 2020

CREDIT FACILITY OPTIONS

SheTrades Webinar Training June 2020

CUSTOMER NEEDS & STRUCTURING

• CREDIT FACILITY TYPES

• Structured loans: • Secured & Unsecured

• Overdraft

• Revolving facilities

• Lines of Credit

• Loan Top-up

• Trade Finance• Invoice Discounting

• Guarantees

CREDIT FACILITY STRUCTURINGStructuring tailored to cashflows.• Weekly, Monthly, Quarter, Termly, Bi-annual

• Grace Periods for Agriculture & Construction.

• Flexible structuring; Staggered, Balloon, EMI.

• Monthly Interest with Bullet.

Pricing Considerations• Declining Balance• Flat Rate• Loan Tenure

SheTrades Webinar Training June 2020

REQUIREMENTS FOR CREDIT FACILITIES

Legality & Regulation:Companies, Partnerships, Sole Proprietorships,

Co-operatives, NGOs, CBOs & Local Government.

Due Diligence Checks:National ID, Financial Card, Borrower

Profile, Management Experience.

Banking Relations :Deposit & Credit History.

Account turnover Vs Financial Statements

SheTrades Webinar Training June 2020

REQUIREMENTS

REQUIREMENTS CONTINUED

Financial Income Analysis - Business Operations

- Revenue vs Cost Structure

- Profitability

- Debt Service Capacity

Financial Position Analysis - Liquidity

- Cash Availability

- Money, Management & Markets

Collateral Considerations - Secured & Unsecured Credit Offering

- Secured Collateral: Certificates of Title, Log Books,

Deposits, Guarantees, Chattels

- Valuation of Collateral

SheTrades Webinar Training June 2020

DOING THINGS DIFFERENT: POST COVID

Challenges

• Restricted Business Access.

• Restricted Movements & access to Markets.

• Strict SOPs increasing costs of doing business.

• Social Distancing

• Low purchasing power

• High Unemployment

• Financial Distress

THE INTERVENTION

• Existing Clients;

• Rescheduling, Restructuring

• Refinancing

• New Clients.

• Product/Process re-engineering.

• Increased Outreach

• Digitization of Services

• Financial Literacy

• Training

• Coaching

EXPECTATION

• Business Resilience

• Automation of Services &Processes

• Improved Customer retention.

SheTrades Webinar Training June 2020

Q&ASheTrades Webinar Training June 2020

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“Faces of SheTrades” supported by UPS

The videos you watched before the webinar

Find it here:

https://www.youtube.com/watch?v=S3NVAL0YMkc

“Welcome to shetrades.com”

Find it here:

https://www.youtube.com/watch?v=pBLTc-lkJ18

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What’s next?