Institutional Presentation
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1 Institutional Presentation 2018
2 Banco Postal is a banking institution held by public and private Angolan shareholders Banco Postal Institutional Presentation 70% of the equity of Banco Postal is privately held, EGM Capital being the major shareholder. Empresa Nacional de Telegráfos e Correios de Angola, E.P. ENSA, Seguros de Angola, S. A. Grupo ENSA, Participações e Investimentos, E. P. EGM Capital C8 Capital Banco Postal launched its operation on March 21st,
3 Agenda Banco Postal Institutional Presentation I Market Strategy II Business Units A B C Xikila Money Comércio & Empresários Corporate & Personal III IV Functional Vision and Vision/Responsabilities Corporate Governance 3
4 To differentiate from the Angolan banking sector, Banco Postal s takes a strategic position in an innovative multi segment I Market Strategy 5 different positionings Distribution of main players Target private / affluent 1 Target in Corporate General banking Multi-segment Others / specific Note 1: Market segment that includes customers with high income seeking a more developed banking offer, personal and modern 4
5 Banco Postal s mission includes not only market economy objectives, but also the contribution to the revitalization of the national economy and social inclusion I Market Strategy A Bank focused on social inclusion and the revitalisation of the economy An Ethical Bank, in the first line of combat of social exclusion, poverty and employment creation. A Bank that streamlines the national economy, through the encouragement of financial inclusion and the formalization of commercial activities. Contribution to a safety and trust in the banking sector A Bank which contributes to the image of safety in the banking sector, with public and private investments, projecting a sign of trust in the future of the national economy. An efficient Bank, differentiated by Innovation A Bank that significantly contributes to the innovation of the Angolan banking system, through the creation of products adapted to the respective market segment. A Bank with a fresh image, modern and ethical, from the public opinion point of view. 5
6 Banco Postal operates through three separate Business Units addressing the four client segments it has defined as its main targets I Market Strategy 3 brands under which the Bank will operate 4 corresponding segments 1 Mass market (individuals with low and medium income) Segment selection rational A segment composed by individuals unbanked with low and medium income. The remaining population of this segment that, albeit being banked, is not adequately served. 2 Small companies and entrepreneurs A segment composed of small companies and entrepreneurs that nowadays are in the formal and informal economy, which are marginally served by Banks and microfinance institutions. 3 Medium and large companies A segment composed of sizable companies where the Bank intends to have a tactical focus, by selectively introducing innovative products and services. 4 Individuals with high income A segment composed of individuals with high income, which will be served efficiently through modern communication channels and innovative products. 6
7 Xikila Money targets the unbanked and underserved individuals II Xikila Money A physical distribution network based on third party agents and dedicated Bank Posts (kiosks) with it s own brand and adjusted commercial offer. Strategy Focused on unbanked individuals and underserved bank customers, composed of individuals with low and medium income. Anchor piece to Banco Postal s proximity and development mission, and will act as the foundation to the remaining operation. 7
8 Xikila Money is focused on the segment of unbanked individuals and the rest of the public of this segment that, although banked, does not find a satisfactory answer in the traditional financial system. II Xikila Money Distribution network supported by third party agents and dedicated Kiosks. Each Xikila Money branch will act as a Hub for 50 Kiosks. A innovative low cost mobile financial service solution facilitating access to payments, transfers, savings and credit. Offer Access to the national payment system, through a connection to the Angola national switch. Network of merchants accepting payments by the Xikila Money mobile payments solution. Access to main Utilities operating on the market for payment of bills and services. Credit scoring models for simple consumer credits. 8
9 Xikila Money s distribution network is composed of several channels with different capillarity potentials II Xikila Money Capillarity of Xikila Money s distribution network - Capillarity potential of the distribution network + Branches Bank Posts (Kiosks) Agents Paga Aqui Physical channels Hubs of the Xikila physical network. Xikila dedicated network. Network of third parties located in customer inflow sites (e.g. gas stations, local retailers, utilities ). Network of merchants adhering to the payment solution Xikila Money. Digital channels Web and Mobile Wallet Integration with existing Angolan ATMs & POS network (EMIS) 9
10 Comércio & Empresários is Banco Postal s commitment to small companies and entrepreneurs, giving privilege to a credit offer II Comércio & Empresários Strategy Banco Postal s Comércio & Empresários targets the small companies and entrepreneurs, that are in the formal and informal economy, presently underserved by Banks and microfinance Implementation of a robust credit approval process and loan products adapted to the risk of this market segment are the key factor for success. 10
11 Comércio & Empresários is Banco Postal s commitment to small companies and entrepreneurs, giving privilege to a credit offer II Comércio & Empresários A small network of dedicated Financial Centers acting as a Hub for an innovative force of Account Managers and with a large customer reach. Product and services adapted to the client segment, with emphasis on low risk loan products. Offer A robust credit approval and collection process, taking advantage of state of the art workflow process and scoring models. Pricing models taking into account not only the credit risk of the specific segment, but also the clients total profitability. Access to the Xikila Mobile Payment Systems and distribution channel for simple cash-in/cash-out, payment and transfer. 11
12 In an omni-channel approach, Banco Postal meets small companies and entrepreneurs through its physical and remote channels II Comércio & Empresários Banco Postal s Comércio & Empresários distribution network - Capillarity potential in the distribution network + Business Centres Account Managers Physical channels Hub for an innovative commercial team. Provides a differentiated service and the possibility of harnessing clients. The Account Managers go directly to the community, for sell and servicing of products and services. Digital channels Web and Mobile Wallet Integration with existing Angolan ATMs & POS network (EMIS) 12
13 Corporate & Personal targets high income individual and corporate clients through a personalized service and a differentiating offer II Corporate & Personal Banco Postal has strategically decided to launch the Corporate & Personal business unit, focused on two high-end value segments. Strategy Medium and large companies: a segment composed of sizable companies where Banco Postal intends to have a tactical focus, by the selective introduction of innovative products and services. High income individuals: a segment composed by high income clients for whom the Bank has the capacity to streamline and monetize through partnerships (including its shareholders) and innovative products. 13
14 Corporate & Personal targets high income individual and corporate clients through a personalized service and a differentiating offer II Corporate & Personal One physical location on a prime office building. Offer Access to the Xikila Money and Comércio & Empresários Branch network for simple cash-in, cashout, payment and transfers. Product and services adapted to the respective market segment which emphasis on trade finance, FX and capital market products. State of the art digital banking and telephone services. 14
15 Distribution channels operate in harmony to provide an omni-channel experience with high level of service II Corporate & Personal Corporate & Personal s distribution network - Capillarity potential in the distribution network + Corporate & Personal Financial Center Remote Client Management Unit Other Distribution Networks Physical channels Main point of service for this BU. High level of service, with a personalized contact in a private environment. Provides services in the absence of the account manager through a pool of specialized commercial assistants. Allow access to simplified services (cash-in, cash-out, payment and transfers). Digital channels Web and Mobile Banking Integration with existing Angolan ATMs & POS network (EMIS) 15
16 The Bank s governance structure allows the Shareholders to follow the strategies and development, as well as effective control and supervision of executive management III Functional Vision Remuneration Committee General Meeting of Shareholders Auditing Committee Strategic Committee Auditing, Compliance and Risk Committee Executive Board of Directors Credit Committee External Auditing ALCO 16
17 This organizational model is supported by a management structure that ensures efficiency and efectiviness of executive and operational governance. III Vision / Responsabilities Carla de Jesus Executive Board of Directors João Freire (CEO) Katila Rigal Virgílio Mendes (Managing Director) Yuri Londa (Managing Director & General Secretary) Raúl Bragrança (Managing Director) Filipe Zola (Managing Director) Comércio & Empresários Corporate & Personal Xikila Money Marketing Marketing General Office CEO Office Human Resources Marketing Finance Credit Credit Legal & Litigation Investment Desk Information Systems Branches Accounting Commercial Commercial Call Center & Complaints Banking Operations Commercial Infrastructure & Logistics Trade Finance Administration Support Image and Communication Agents Risk Dealing Room Human Patrimony Compliance Studies and Strategy Auditing Internal Security 17
18 Banco Postal s management structure is led by the Executive Board of Directors, comprising its Executive Chairman and Two Executive Directors IV Executive Team KATILA PEREIRA SANTOS RIGAL Executive Director CEO Xikila Money Degree in Management Informatics from the University of Minho. Postgraduate on Banking Management ULEGE School of High Management Studies of the Lusophone University of Lisbon. Was na Executive Director at Banco Crédito Sul. Was a Director of Operations at Banco Crédito Sul. Was the Coordinating Director of Operations and the Organization and Application Support Directorate at Banco Económico. Was a Senior Consultant at Accenture. JOÃO CARLOS SILVA FREIRE Chairman of the Executive Board of Directors Support Services Degree in Business Administration from Universidade Moderna and Instituto Superior de Economia de Lisboa. Former Executive Board Member of Deutsche Bank Portugal and head of the Private, Personal & Business Clients. Former manager at Banco Comercial Português Portugal. CARLA YESSÉNIA DE LOUSADA LOURENÇO EVANGELISTA DE JESUS Executive Director CEO Comércio & Empresários Degree in Business administration from Universidade Gregório Semedo. Post-graduate in Business from Universidade do Minho Portugal. Former Commercial Manager at Banco de Fomento de Angola (BFA). Former member of the Credit Commission at BFA. Former Commercial Manager at VTB África. Former Branch Manager at Banco BCI. 18
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