Products
and solutions
Bank accounts
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.
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.
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.
Business cards
Visa Classic
ReliableFast
Secure
Annual fees: 3000 FCFA
Purchase: ; 3000 FCFA
Apply for your debit card in under 5 minutes.
Visa Gold
high-endMakes life easier
Purchase insurance
Annual fees: 3000 FCFA
Purchase: ; 3000 FCFA
Apply for your debit card in under 5 minutes.
Visa Platinum
Purchase insuranceExtended warranty
Contactless payment
Annual fees: 3000 FCFA
Purchase: ; 3000 FCFA
Apply for your debit card in under 5 minutes.
Business loans
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.
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.
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.
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.
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.
Comm Engagement -> 1% to 3% per year PTI
Insurance
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.
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.
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
Single bonus based on capital