|Overdraft Line – Consumer||• Credit Agreement given by the bank that allows the customer concerned when needed to make payments on its current account although account balance is not sufficient.
• Permission to make current account negative is limited up to a fixed amount over a period.
|Overdraft Line – Corporate||Credit Agreement given by the bank that allows the customer concerned when needed to make payments on its current account although the account balance is not sufficient.|
|Personal Loan||This type of financing meets all kinds of needs: travel, home furnishings, etc. and requires no purchase justification.
It is backed systematically with death and disability insurance covering at least the amount borrowed.
|Vehicle Loan||This type of financing meets a need of acquiring a vehicle for a customer. It requires proof of purchase. It is backed systematically with death and disability insurance and comprehensive vehicle insurance covering at least the amount borrowed.|
|Housing Loan||Credit for the acquisition or construction project (land / housing), developing or carrying out extensions.
The loan amount depends on the project, the personal contribution and repayment ability.
|Investment Loan||Loan to launch an investment program to develop the activity, finance projects, assets and increase production capacity or create a new business acquisition.|
|Current Account||Essential contractual support that formalizes the relationship between the client and ICB|
|Savings Account (simple, smart or super saving)||• Account earns interest and available for use; Withdrawals and deposits are free on this account and there is no timeframe for savings made|
|Savings Account – EDUCATION PLAN||• Special account earns interest but unavailable for daily use;
• Savings timeframe is at least 3 years, and no withdrawal is possible during the 3 years
|Savings Account – HOUSING PLAN||• Special account paid, unavailable for daily use;
• Savings timeframe is at least 5 years, and no withdrawal possible during the 5 years
|Savings account – RETIREMENT PLAN||• Account unpaid and unavailable until retirement or else face penalties.
• Allows the holder to acquire capital to receive retirement funds as a capital plus interest or as an annuity capital.
• This account can be backed by additional benefits (life insurance – absolute and final disability) to qualify for an additional capital in the event of a disaster.
|Fixed Deposit Account||• A cash placement which pays a fixed rate for a period agreed with the customer. Deposit can be made all at once or gradually.
• No withdrawal is possible pre-term otherwise penalty are calculated over prepayments.
|Credit documents – IMPORT||Bank facility granted to clients for the importation of goods.
Commitment given by ICB on behalf of his client importer (applicant) to pay suppliers based outside of Senegal (beneficiary) to pay the value of a bill or invoice provided that the terms and conditions in the letter of credit are met.
|Credit documents – EXPORT||Commitment given by our client’s bank’s partner, to pay to our client based in Senegal (exporting) the value of a bill or invoice provided that the terms and conditions of the letter of credit are met.|
|Document collection||Agreement between our client and his partner providing that goods are shipped and documents or drafts are sent by the seller’s bank with instructions for collection with its correspondents in the city where the Buyer is located.|
|Bank Guaranty||• Bid bond: It allows participation in a tender and guarantees the seriousness of the offer.
• Advance Payments: It can be requested by the client when a company benefits from progress payments or advances as collateral for repayment in case the bid would not be executed.
• Performance bond: It allows the client to have the funds necessary to complete the contract in the event of business failure.
• Deposit holdback: The holdback may be replaced by a bank guarantee if the client agrees.
- James Alieu Bittaye: – 11, Cité SIPROS Mamelles
- Charles Ayi Hyde: – Mermoz Ancienne Piste
- Abdou Aziz BA: – Mermoz Ancienne Piste
- Nanhoubasseou DAH: – FB18, Avenue Leopold Sedar Senghor, Dakar, Senegal
- Errol Folly Kangni: – Mermoz Ancienne Piste
- Bruno Dominique Ndiaye: – Mermoz Ancienne Piste
- Auelie Martine Odile Dieme: – Mermoz Ancienne Piste
- Ngone Konate – Almadies
- Faty Diagne Sambe – Mermoz Ancienne Piste
- Haoua Abdoul Moutalabi – Mermoz Ancienne Piste
- Coumba Betty Sambe – Mermoz Ancienne Piste
- Ndeye Madeleine Diagne – Mermoz Ancienne Piste
- Sulaimon Balogun – Mermoz Ancienne Piste
- Adedeji Adelayi – Mermoz Ancienne Piste
- Aderemi Muyinudeen Makanjuola – Caverton offshore support group 1,Princekayode akingbade Victoria Island Lagos
- Nsikak Titus Ekure – s/c Samuel Asabia House, 35 Marina
- James Alieu Bittaye – 11, Cité SIPROS Mamelles
- Eyitope Oyinkan ST. Matthew-Daniel – Ikoyi Lagos
- ICB ROUME – 18 Avenue Leopold Sedar Senghor Po Box 32310 Dakar Ponty (+221 33 842 07 42)
- ICB MERMOZ – MERMOZ PYROTECHNIQUE (+221 33 869 92 69)
- ICB ALMADIES – Lot 7 zone 15 Almadies NGOR-ALMADIES (+221 33 869 76 90)