BANCASSURANCE

By Liaison Rwanda Limited

LIAISON GROUP is committed to being the Preferred and leading Risk & Pension consultantsIn Africa

Our Vision

Making your business and your life more secure

RISK CONSULTING

RISK MANAGEMENT

INSURANCE BROKING

HUMAN CAPITAL BENEFITS

HEALTH CAREMANAGEMENT

Risk IdentificationRisk AnalysisRisk EvaluationRisk MitigationRisk Monitoring

Overall management of insurance programmes ( Property, Casualty, Financial, automobile, Marine and Aviation) including underwriter matching and claims administration

Management of employee benefits insurance, group life, mortgage and credit protection, keyman and bancassurance

Management of health care programmes including group medical schemes both insured and third party administration. Our liaison health is based on retail

PENSIONCONSULTING

SCHEME ADMINISTRATION

CONSULTING SERVICES

Benefit AdministrationSecretarial servicesDocumentation and ComplianceCommunicationEducation and TrainingAccounting and actuarial valuation

Retirement fund consultancyTrustee Advisory servicesPersonal financial advisory. ( Annuities, Unit trusts and personal retirement schemes)Investment Consultancy services and financial training services.

Our engagement model gives us the opportunity to delight the people who matter more: Our customers.

PERSONALWe build on relationships, as we seek to understand your business , where you are and what you aim to achieve

ANALYTICAL Through our expertise, and talent pool, we think critically of how we can make an impact to your business, making it more secure

DYNAMICWe seek to build continuous innovation, with the aim of making you more relevant into the foreseeable future

Analytical

Personal Dynamic

Why we are different

Competition’sStrategy

Our implemented strategy

This attack and counter attack strategy May have been effective but in our view the big beneficiary is

advertising and PR suppliers. It does not really differentiate the product .Bancassurance by Liaison proposes

Two way value, one to the customer and two to the Bank as demonstrated below.

BANK KITTY

• In Summary, banks are facing the following challenges and we propose to turn the challenges into opportunities :

COMPETITORS

Co-operativeSocieties

Access to Credit

Informal“Chamas” /

“Merry-Go-round”Access to Credit

Other BanksThis has resulted to

Price war and cost of doingBusiness (Advertising,

Marketing, Extended openingHours, etc)

Insurance CompaniesProviding Unit Trusts

Though limited

Other InvestmentCustomers shifting

Savings and InvestmentsIn Stocks and land

The Proposal

This Proposal focuses on Retail and SMEs, Partnerships and the Individual. The proposal is geared to staying ahead of the competition through a two way partnership between the bank and Insurance company.

The Objective

Create and retain (Golden Handcuffs) through HYBRID banking facilities with better features. Better than the competition

The Plan is to create saving incentives and grow the banks asset base and at The same time encourage credit and lending.

THE BANKWe aim at achieving the following special features And benefits:1) Overdrafts up to the level of monthly credit. (Salaried

and regular savings)3) Automatic draw down for education fees up to 3 times regular credit or as agreed4) Automatic emergency draw down up to 3 times monthly credit or as agreed5) Automatic draw down to purchase stocks up to 3 times monthly credit or as agreed6) Credit card limit up to 3 times regular credit or as agreed.7) Personal loans as existing8) Access to mortgage as existing

INSURANCE COMPANY

1. Credit Life Assurance including illnessand funeral expenses to caution extra risk

Including redundancy and Keyman forPartnerships and Sole proprietors

2. Property insurance (Vehicles and General insurance)

LIAISON

The administration of the program.

All this is supported by

More BusinessClaims will be administered through

the bank.Extra accounts for the insurance

CompanyGarages, etc.

Credit RiskReinforce bank security.

(include redundancy)

Extra IncomeProfit sharing

Premium Finance Income

BusinessTransaction fees on premiums

Claim administration

Added Customer Value on insurance

Insurance Partnership

“The selected insurance company will issueThe bank with an indemnity

Against any liability and The bank will act as a facilitator”

BANCASSURANCE

Management and Administration Overall responsibility on the

Bancassurance Program

Bridge the Insurance Act.Liaison is an insurance broker and

Will offer the agency vehicle

Training for all bank Relationship

Officers

Technical Expertise on liability indemnity to the

Bank both fromInsurance.

WHY LIAISON?

LIAISON CONSULTANCY

Capacity to Structure Special Products

- Transactional Fees for the bank- Profit sharing

National Presence- Capacity to use IT Platform

for National reach.

WAY FORWARD

1) Agreement betweenLiaison and the bankTo proceed with the

proposal

2) Discussion with the Banks

IT Director on the product service

Delivery and Systems integration

5) Discussion with bank

HR on training of Bank Officers

4) Discussion with banks Legal

Team on Indemnity

3) Discussion with BanksHead of Operations

on service chain

6)Implementation

Liaison Group (I.B) Ltd / Liaison Financial ServicesLiaison House, State House Avenue. P.O. Box 58013 - 00200 Nairobi, Kenya. Tel:

+254 703 071 000Fax: +254 020 271 0137 www.liaisongroup.net

OUR CONTACTS

Liaison Rwanda LimitedP.O. Box 2990Plot 1520 Kimihurura SectorGasabo DistrictKigaliRwandaTel:+250280004004, +250280005005Email: inforw@liaisongroup.net

Liaison Group (I.B) Ltd / Liaison Financial Services LtdPlot 81,Next to Mountain Trade & Development BankP O Box 646Juba South SudanTel: +211 977 380 666,+211 956 563 563Email:infoss@liaisongroup.netFax:+255 22 270 1761

Mombasa Office,Liaison House,Links Road, NyaliP.O.Box 86693 -80100,Mombasa KenyaTel: -041 470244, 470245/6 Mobile: 254 727 508 654Email: infomsa@liaisongroup.net+254

Liaison Uganda Ltd /Liaison Financial Services LtdPlot 41 Lumumba Avenue, Nakasero Road.P.O.Box 22607 Kampala, Uganda.Tel:+256 077 760 383+254 031 234 398 +254 031 260 384 Fax:+254 031 226 0383Email: info@ug.liaisongroup.net

Liaison Tanzania Ltd,Plot 428, Mikocheni B, off Bagamoyo RoadP.O.Box 80383 Dar es Salaam, Tanzania.Tel:+255 22 270 1762/5Fax:+255 22 270 1761Email:info@tz.liaisongroup.net

THANK YOU