Trade & Commerce

Is your company struggling with delayed payments or having significant value stuck in stock? Do you need to increase the efficiency of trade transactions and payment terms to reduce the cost of funding – both for your organization and for your suppliers?

Our tailor-made trade growth and facilitation solutions aim to deliver competitively priced working capital to you and your suppliers helping you run a more efficient business with faster access to liquidity and the ability to unlock funds to optimize your working capital.

Discover our structured trade growth solutions below:

• Short-term working capital to help you source, produce, package, and ship your goods – discover our import/export, invoice discounting, and business expansion solutions
• Improve your trading relationship payment terms or reduce your cost of funding with your overseas supplier – discover our letters of credit and import bills of collection
• Access our dedicated BANK OF AFRICA China (Shanghai) and Dubai office support among other 30 global locations to keep your connections and interact with new partners at an optimized cost

Do you need a partner to help manage the risks of entering new markets, handling price and exchange rate fluctuations – while also helping you to protect critical trading relationships?

Let us help you to integrate risk management alongside your working capital and trade finance management processes. We shall help you to reduce trade risk from customer default, supplier non-performance to currency fluctuations and varying business and cultural
differences.

Discover our secure trade risk management solutions below:

• Mitigate the risk of not being paid or receiving your goods. – discover our guarantees, letters of credit, and import bills of collection solutions
• Protect your business against the impact of exchange rate fluctuations – discover our treasury support services
• Access our dedicated BANK OF AFRICA China (Shanghai) and Dubai office support among other 30 African and global locations to keep your connections and interact with new partners at an optimized cost

Do you need affordable, quick, and reliable payment services? Are you concerned about how to efficiently and cost-effectively to manage your multiple trading transactional accounts?

Manage cash flow and keep control of your global finances with our multi-currency accounts and trade payments solutions. Your everyday banking needs are indeed interlinked and so are our solutions to ensure you have a smooth flow in the management of your business inflows and outflows.

Discover our secure payments management solutions below:

• Manage your business cash flow and keep control of your global finances with our multi-currency accounts – discover our single fee, interest-bearing, collections, and pay as you go solutions
• Oversee your business transactions from anywhere in the world with our borderless business digital solutions – discover our internet banking for business, Corporate VISA card, agent, and mobile banking solutions
• Streamline and undertake your business payments with our swift payments solutions. Discover our local transfers, international transfers, and correspondent bank relationships
• Access our dedicated BANK OF AFRICA China (Shanghai) and Dubai office support among other 30 global locations to keep your connections and interact with new partners at an optimized cost

Do you need to grow your distribution, storage capacity or purchase key assets to grow your business?

Discover our vast range of investment finance solutions below:

• Let us help you import some materials or machinery without having to struggle to meet the capital-intensive purchase, tax, and transport cost requirements. Improve your payment terms or reduce your cost of funding with your overseas supplier – discover our letters of credit, import finance, asset finance, and import bills of collection solutions
• For your new offices or distribution and storage facility development needs, discover our commercial mortgage solution to support your growth ambitions

Our trade sector Banking model is for all your stakeholders. No matter the level, we will help make it easy to access world-class financial services for all your stakeholders.

Discover our banking options for your stakeholders below:

• Personal Banking - Our Corporate Personal Banking service is an exclusive relationship-based offer to directors, senior management, and other personnel of your company. Your Corporate Personal Banking Relationship Manager compliments your business relationship with us and makes it easier for you to manage all your finances together. Our assistance ranges from management of payroll services, pension plans, Group insurance to personal loan requirements. Discover our special rates on our personal banking suite
• Suppliers - Your suppliers and contractors will benefit from our competitive trade finance solutions as they undertake various projects for you and the community. These solutions to them also save you the significant cash flow requirements you need to ensure they deliver on time. Discover our Business Banking opportunities