Consumer Banking caters for individuals, offering deposit, loan and payment products. We deliver our services through two consumer sub-segments - Personal Banking and Direct Banking. Personal Banking focuses on our premier and advantage customers with moderate to high-net worth revenues, and Direct Banking focuses on the mass market and the youth. Through these sub-segments, we serve our customers through our unrivalled footprint in Africa, leveraging digital, branch and agency channels. We provide convenient, cost-effective and world-class consumer financial services to millions of Africans.

Commercial Banking’s core objective is being the partner of choice for local enterprises and entrepreneurs in Africa. Our commitment to the financial success of Small and Medium-sized Enterprises (SMEs) is underpinned by the Ecobank Group’s vision to contribute to the economic development and financial integration of Africa.

For SMEs, this is particularly important because despite employing millions of Africans, weak corporate governance structures, inability to forecast cash flows and a lack of collateral to access finance, can affect their growth. Our ability to meaningfully contribute to their financial success and promote sustainable growth through the provision of finance and capacity building, is both exciting and humbling. It is our resolve to nurture SMEs with utmost care by listening, advising and serving them in innovative ways.

Our Corporate and Investment Banking delivers value to our diverse clientele across Sub-Saharan Africa and beyond. We have developed strong partnerships with our clients, reflected in a large portfolio of complex cross-border transactions across multiple industries and products. Leveraging on world-class technology, we provide effective working capital management and banking solutions to our clients in various markets and in multiple currencies.

Driving intra-African trade remains an important strategic focus. We have a digital payments platform covering our footprint. This and other initiatives are key drivers that have enabled us to position CIB as the trade bank of choice in our key markets, providing solutions working with our international offices in Dubai, Johannesburg, Paris and Beijing.