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I) History of Equity Bank

II) Definition of microcredit

III) Core values and mission

IV) A social aspiration

A. Pre-University Internship Program
B. Supporting agricultural growth
C. Lighting the city
D. Clean-up
E. Donations

V) Results

A. Growth in pre-tax profit
B. Growth in customer and staff numbers
C. Innovations
D. Growth in high-risk economic sector

VI) Achievements

VII) Sources
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Résumé du document
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This bank started its operations in 1984 as Equity Building Society in Kenya. Its establishment was motivated by the desire to create a financial service provider which would touch base with majority of the Kenyan population. The initial focus was to offer mortgage services but in the early 1990's Equity Building Society changed its business focus to micro finance services.

Unfortunately the bank experienced difficult financial times in the early 1990's and in 1992 it almost faced liquidation by Central Bank of Kenya (CBK). However, due to the Bank's record of creating easy access of financial services by ordinary Kenyans, CBK opted to apply judgement to allow EBS re-invent itself. Then Equity Building Society became Equity Bank Society ()

Extraits

[...] Ø EB present a cheque of 55 thousand euros to the National Famine Relief Fund in 2006. The bank has also launched an appeal for donation from staff and customers. Ø EB has adopted new loan guarantee schemes for women. The bank has set aside 75 million euros to fund this project. Results The bank has become one of the very few to cross ten millions Euro in terms of pre-tax profit in Africa. Actually, the Bank posted a pre-tax profit of eleven million euros in 2006, representing 120% growth compared to 5 million in 2005. [...]


[...] There is no doubt today that the Bank is a leader in the microcredit sector in the country . But do you know exactly what microcredit is ? Definition of microcredit Microcredit is the extension of very small loans to the unemployed, to poor entrepreneurs and to others living in poverty who are not considered bankable. Microcredit is a part of microfinance, which is the provision of financial services to the very poor; it includes savings, microinsurance and other financial innovations. [...]


[...] That’s why loans and advances are proposed in high-risk economic sectors such as agriculture, consumers, micro enterprise . Achievements About its achievements, EB business model has attracted both local and international recognition. On many occasions the bank has been invited to various international forums to share on its successes. A top tax payer : Kenya Reserve Authority recognized EB for being the best tax payer in the country. Euro Money 2007 Awards for excellence : in August 2007, EB’s unique business model was recognized when the best bank in Kenya was voted in the Euro Money awards. [...]


[...] Concerning Equity Bank, the percentage of operations comprised by microfinance is about 95 per cents. Its products are principally loans, voluntary savings and fund transfer services. The main funding sources are savings and shareholder capital Core values and mission They are seven essential principles with guide the operations of EB : EB’s mission : EB mobilizes resources and offer credit to maximize value and economically empower the micro-finance clients and other stakeholders by offering customer-focused quality financial services. Partners and associations : Over the years, EB has established partnerships with various associations and organisations. [...]

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Informations sur le doc

Date de publication
20/10/2008
Langue
français
Format
Word
Type
étude de cas
Nombre de pages
9 pages
Niveau
grand public
Consulté
1 fois

Informations sur l'auteur Ludivine B. (étudiant)

Niveau
Grand public
Etude suivie
droit des...
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