BANK OF AFRICA – UGANDA

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BANK OF AFRICA – UGANDA BANK OF AFRICA – UGANDA

Products and ServicesProducts and Services

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Who we areWho we are Member of BANK OF AFRICA group International Pan African Bank with strong presence

in East & West Africa Operated in Africa for more than 25 years Boasts of 13 commercial banks in 15 African

countries Present in France Operates 3 leasing companies One Stock brokerage company & 1 IT subsidiary Consolidated asset base is over 2.5Bn Euro

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Where we areWhere we are

Kampala:

13 Branches

Upcountry:

10 Branches

Opening soon:7 Branches

…..AND STILL GROWING…..

In Uganda

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Conveniently remit money to family without lots of hassle Be able to affordably deposit onto account back home and grow savings

base A reliable partner to help you acquire property without relying on family

and friends A solid and credible partner to help you bridge business financing needs Ensure that money remitted meets the intended purpose

DIASPORA FINANCING NEEDSDIASPORA FINANCING NEEDS

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Personal Banking Mortgage financingForexave SavingsTots 2 TeenzReward SavingsCurrent AccountsWeb Banking

Business BankingOrdinary Commercial loanDocumentary CollectionsLetters of Credit

OUR TAILORED OFFERINGOUR TAILORED OFFERING

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FOREXAVE is a product targeted at individuals and reputable companies whose aim is to accumulate funds on their accounts for saving purposes.

Features & Benefits:Features & Benefits:

•Minimum/Opening Balance: USD 150,

Euro 100, GBP 100,

•Interest on Account: 2% p.a

•Offers use of a Cheque Book

•First cheque book is offered free of charge

•NO Account Management Fees

•FREE Deposits

•FREE Withdraws

Forexave Forexave Saving Saving accountaccount

Personal Banking… Personal Banking…

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A savings product designed with the aim of rewarding high savers and boosting stable deposits for them

Features & Benefits:Features & Benefits:•Minimum opening/operating balance of Ugx 5,000,000/=•Lucrative Interest rate of 7% per annum on deposits of Ugx 5 million and above.•Unlimited deposits to the account i.e. No commitment to a fixed plan/installment. •Bonus Interest: Double interest in the last quarter of the account’s anniversary.•Totally free account – no charges.•Free ATM card•Free monthly statements.•Free standing orders on any of your other BOA account to your Reward Savings account.

Reward Reward Saving Saving accountaccount


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An account that encourages parents save up for their children and guarantee their futureProduct Features Product Features

Opening balance; UGX 50,000 USD 50 EURO 50 GBP 50

Life assurance cover 10X the average monthly balance for last 3 months. Max is UGX 25,000,000.One free dental/optical/general check-up per yearMinimum average operating balance to earn interest of 2% pa.UGX 100,000Free Deposits & WithdrawsNo monthly Account Management fees

Personal Banking… Personal Banking… TOTS 2 TEENZTOTS 2 TEENZ

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Financing facility availed for Purchase, extension, renovation or improvement of residential properties

Forms of facilitation offered

Home Purchase Loan

Home Improvement Loan

Home Extension Loan

Home Construction Loan

Mortgage Mortgage financingfinancing


Buy to let Mortgage

Re-finance Mortgage

Equity release Loan

Land Purchase Loan

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The home purchase loan product is customized to provide you solutions for your unique needs.

Features and Benefits

High loan amounts: We finance up to 80% of the cost of the property,

Flexible loan period: You can take up to 15 years to repay the loan.

Easy and affordable repayments: Our Interest rates are competitive and calculated on a reducing balance basis, making your monthly repayments manageable.

Applicant and Co-Applicant to the loan: Home Loans can be applied either individually or jointly. Proposed owners of the property are co-applicants.However, the co-applicants need not be co-owners.

No Ongoing Charges: With no monthly loan maintenance fees or annual fees, you save thousands of shillings towards your loan repayment.

Home Purchase LoanHome Purchase Loan


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With BOA’s Home Improvement Loan you can now renovate your living space for a more comfortable environment and surroundings.Features and Benefits

Substantial loan amounts: We finance up to 80% of the cost of the improvement allowing for substantial amounts

Flexible loan period: You can take up to 60 Months to repay the loan.

Easy and affordable repayments: Our Interest rates are competitive and calculated on a reducing balance basis, making your monthly repayments manageable.



Home Improvement LoanHome Improvement Loan


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With BOA’s Home Extension Loan you are able to add more space to your existing home to meet the requirements of your growing family;.Features and Benefits

Maximize your advantage: We finance up to 80% of the cost of the extension allowing for substantial amounts

Affordable payments: Offers flexible loan periods of upto 10 years.

Variable rates: Our Interest rates are competitive and calculated on a reducing balance basis, making your monthly repayments manageable.



Home Extension LoanHome Extension Loan


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With BOA’s Home Construction Loan you are able to construct your own home to match your tastes and preferencesFeatures and Benefits

High Loan Amounts: We finance up to 80% of the cost of the construction allowing for substantial amounts





Home Construction LoanHome Construction Loan


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Buy-to-Let Mortgage is available for the purchase of property, which will provide one or more separate units of accommodation


Flexible Loan Amounts: Mortgages are available for up to 80% of the property’s value. The amount that can be borrowed is based on the anticipated rental income and other incomes income e.g. salary.




Buy-to-let MortgageBuy-to-let Mortgage


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The proceeds of this loan may be used by a borrower who already owns a home to repay an existing mortgage on his /her residence.


Lower your monthly repayment: Our Interest rates are competitive and calculated on a reducing balance basis, making your monthly repayments manageable

Optimize your loan structure: With our Home Mortgage Refinance, youwill be able to choose from a number of options based on what you think best suits your financial objectives

Consolidate your debts: You can take out a new larger loan to pay off not only your old loan, but the rest of your debts as well at very friendly interest rates


Re-finance MortgageRe-finance Mortgage


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The Equity Release Loan enables you to borrow money against your existing complete house and use the money for business expansion, put up more houses, without having to move out of the home.


Flexible loan period: Offers flexible loan periods of upto 15 years making repayments extremely manageable

Flexible payment terms: The money can be paid as a lump sum amount,enabling you to acquire the funds you need to reach your goal faster.

Ease of Use: There are no restrictions on the purpose of the funds, giving you allowance to use the money to meet your various financial needs.

No Ongoing Charges: With no monthly loan maintenance fees or annual fees, you save thousands of shillings towards your loan repayment

Equity Release loanEquity Release loan


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provides land loans to enable the purchase of a plot for construction of residential premises.


Substantial loan amounts: The loan enables you to borrow substantial amounts you need up to a maximum of Ugx 100 million.

Flexible Loan Period: The land loan offers you flexible repayment periods of up to 60 months

Easy and affordable Repayments: Interest rates on this loan are competitive and calculated on a reducing balance basis, making your monthly repayments manageable.

No Ongoing Charges: With no monthly loan maintenance fees or annual fees, you save thousands of shillings towards your loan repayment

Land Purchase loanLand Purchase loan


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Original ID and copy of passport 2 Passport size photographs Copy of utility bills for current residential address (if non-BOA customer) Letter from the employer (if applicable) 3 months pay slips (original or copy certified by employer) Certified bank statements for the last 12 months (for non-BOA customers) Copy of title deed Sale agreement duly signed Photograph of house Valuation report Bills of quantity Approved building plan

My Home Loan Check-listMy Home Loan Check-list


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Technology service that enables SMS, Phone & web banking

Provides information on;o Account balanceo Last 5 transactionso Exchange rateo Accnt Balance changes

Increased convenience accessing your account information wherever you are & whenever

Increased control over account transactions due to consistent overview


DigibankingDigibanking

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As Strong as GroupAs Strong as Group

As Close as a PartnerAs Close as a Partner

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BANK OF AFRICA – UGANDA

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