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Products
and solutions

Account

No matter what stage your business is at, find an account that meets your needs.

Cards

Get the most out of your business spending with the right debit card.

Loans

Discover a financial solution that will help your business realize its full potential.

Insurance

Whatever its size, its sector of activity... a company must take out insurance contracts to face different hazards.

Bank accounts

Our accounts cover all your everyday business banking needs, from basic current accounts to interest-bearing accounts and flexible deposits.
CURRENT ACCOUNT

Account with checkbook opened by SME/SMI legal entities, Large companies, Institutions, etc.

Advantages

  • No waiting for customer needs;
  • Personalized account management;
  • Personalized advice and support;
  • Free access to remote banking.
Fees:     5500 F/month
TERM DEPOSIT (DAT)

Amount of money blocked in an account and generating interest higher than that of the savings account.

Benefits

  • No waiting for customer needs;
  • Attractive and negotiable salary rate;
  • Possibility of pledging the DAT to obtain a loan.

Fees:     Without any fees
BANKINSURANCE

A set of insurance services for safety and solvency. These are financial services that integrate banking and insurance activities.

Benefits

  • Increase in profitability;
  • Customer loyalty;
  • Strengthening of equity capital.



Fees:     Without any fees

Business cards

Depending on your business needs, choose from a wide range of debit cards, the ability to manage employee purchases or even advanced expense management.
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Visa Classic

Reliable
Fast
Secure

Annual fees: 3000 FCFA
Purchase:                       ; 3000 FCFA
Make a request
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Visa Gold

high-end
Makes life easier
Purchase insurance

Annual fees:          3000 FCFA
Purchase:                         ; 3000 FCFA
Make a request
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Visa Platinum

Purchase insurance
Extended warranty
Contactless payment

Annual fees:          3000 FCFA
Purchase:                         ; 3000 FCFA
Make a request

Business loans

All professional firms need equity capital to conduct their business and support their growth. You can get flexible and fast financing for almost all your needs.
CREDIT CT

Short-term business credits are mainly intended to finance the bottom of the balance sheet (working capital needs and cash flow needs). The repayment period is less than or equal to 24 months.

Advantages

Diligent and timely processing of customer loan requests by the bank.

Fees:
  1% + TAF->administrative fees
0.25% +TAF->Comm from MEP
11% to 13%->Interest rate
MLT CREDIT

Resources made available to businesses and repayable over a relatively long period (> 2 years) to finance fixed assets.

Advantages

Benefit from a personalized service; Benefit of speed in file processing.


Fees:
  1% + TAF->administrative fees
0.25% +TAF->Comm from MEP
11% to 13%->Interest rate
DOWNSTREAM

Commitment given by the bank, intended to guarantee the payment of a draft issued by its client in favor of third parties.

Advantages

Optimization of client cash flow Facilitate commercial transactions.



Fees:
 Comm Commitment -> 1% to 3% per year Per Indivisible Quarter (PTI).
DEPOSIT

This is a commitment by which the bank acts as guarantor for its client in favor of a third party and replaces the latter's obligations in the event of default.

Advantages

Reassures the project owner about the financial solidity of the client.


Fees:
Comm Commitment -> 1% to 3% per year PTI
GUARANTEE BANKING

Similar to a bank guarantee, this is a commitment by which the bank acts as guarantor on behalf of a client, to pay a third party all sums owed by the customer in the event of a failure.

Advantages

  • Facilitate calls for tenders and commercial transactions;
  • Optimize cash flow.
Fees:
Comm Engagement -> 1% to 3% per year PTI

Insurance

Essential whatever your sector of activity, insurance covers responsibilities in the event of damage. It secures your business by protecting it against unforeseeable damage and its financial consequences.
KEY MAN INSURANCE

It is a death insurance contract guaranteeing companies the payment of capital in the event of the death or disability of one or more key people in the company.

Advantages

  • Benefit of spontaneous support from the bank on company projects;
  • Guarantee of business continuity in the event of proven difficulty with capital contributions;
  • Benefit from lower cost coverage with a competitive rate;
  • Free access to remote banking.
Fees:
  Single bonus based on capital
AMRS (PROFESSIONAL MULTI-RISK INSURANCE)

AMRS includes a set of guarantees to cover both the company's property and its civil liability.

Advantages

  • Benefit from the advice and expertise of BIIC to secure your investments and interests;
  • Guarantee company assets: buildings, furniture, materials and goods;
  • Having capital to rebuild and re-equip quickly in the event of a disaster.

Fees:
 Comm Commitment -> 1% to 3% per year Per Indivisible Quarter (PTI).
ADI (DEATH AND DISABILITY INSURANCE)

It is a contract by which the latter guarantees the repayment of the outstanding capital in nominal terms of the loans granted to its customers. Reimbursement occurs either in the event of death of the borrower whatever the cause or in the event of total and permanent disability of the borrower after consolidation certified by a doctor.

Advantages

Facilitating access to credit





Fees:
  Single bonus based on capital
BIIC is a universal bank that offers services to large companies, SMEs, SMIs, Institutions and individuals.
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