Information Booklet. What you need to know about NDB.
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1 Information Booklet What you need to know about NDB _Information_Bklet_2.indd 1
2 Mission To provide innovative financial products and services which promote economic development of Botswana 18423_Information_Bklet_2.indd 2
3 Vision We are Batswana s number 1 development financial services partner Values The values that we strive for are; Teamwork, Excellency, Accountability, Customer Orientation _Information_Bklet_2.indd 3
4 Information Booklet What you need to know about NDB. About NDB NDB was established under an Act of Parliament in The Bank is owned by the Government of Botswana and operates under the control of a Board of Directors appointed by the Minister of Finance and Development Planning. NDB IS YOUR BUSINESS BANK NDB s main objective lies in providing a varied range of financial services to Botswana s business sector while aiming to earn satisfactory returns on shareholder s funds. As a Development Financial Institution (DFI), NDB is viable and self-sustaining. By providing growth in terms of job creation for example, NDB continues to contribute immensely to the growth of the local economy. NDB s business is directed towards the business community in whatever capacity whether they may be small, medium or large-scale enterprises and/or projects. In 1998, NDB became the first bank on the African continent to be certified under ISO 9001:2000 International Quality Standards. WHO DO WE FINANCE Botswana citizens Legally registered citizen companies, joint ventures and partnerships Locally registered foreign owned companies Other locally registered and legal recognised entities (e.g. trusts, Agricultural Management Association etc.) LOAN AMOUNT From P maximum of P15 million * T & C s apply _Information_Bklet_2.indd 6
5 HOW DO I APPLY? Collect loan application forms from an NDB office near you (Gaborone, Francistown, Palapye and Maun) or phone these offices to send your application forms. You can also log on to GENERAL PARAMETERS *NOTE: The parameters, though general, are considered on a case-by-case basis. INTEREST RATE: Fixed and floating rates. Interest rates are negotiable, depending on the risk profile. REPAYMENT FREQUENCY: Depending on the project/client s repayment capacity, loans are payable monthly, quarterly; bi-annually or annually. EARLY REPAYMENT PENALTY INTEREST CHARGE: Maximum of one month interest as per Bank of Botswana Act Cap 55:01 LOAN ADMINISTRATION FEE STRUCTURE: (subject to review) LOAN SIZE UP TO P75, % P75, 001 P250, % P250, 000 P4, % OVER P4, 000, % LOAN FEE (% OF LOAN AMOUNT) +VAT For loans below P20 000, minimum loan fee is BWP VAT * OWNER S CONTRIBUTION/EQUITY: Minimum contribution of 15% of the total project cost to be spent on the project, either in cash or in-kind. LOAN REPAYMENT: 1 to 15 years, depending on the purpose and magnitude of the loan and the project s repayment/cash generation capacity. *GRACE PERIOD: The grace period must be justified by the project. Interests may not be capitalised _Information_Bklet_2.indd 7
6 Information Booklet What you need to know about NDB. PROJECT S VIABILITY FINANCIAL VIABILITY MANAGEMENT MARKET COMPETITION TECHNICAL ECONOMIC RELIABLE SUPPLIERS SECURITY : Repayment capacity, profitability : Competent management personnel : Reliable and sustainable market for products or services : Product s competitive advantages over similar products/competitors : Availability of equipment/machinery, technical personnel, back up services etc. : Product s sustainability; employment creation; import substitution, foreign exchange earnings; provision of services to the community : Availability of raw materials : The bank requires security for all facilities granted in the form of movable or immovable assets. The security may even come from other sources apart from the project s Project assets also form part of security. Movable assets: Livestock, agricultural machinery, industrial machinery and other forms of tangible valuable assets including publicly listed shares. Value on movable assets: 140% on forced sale value, (FSV). The Bank, however, has the direction to apply a location factor to the value provided. TYPES OF LOANS/ PROJECTS THAT QUALIFY FOR FINANCING _Information_Bklet_2.indd 8
7 TARGET MARKET All commercial/service industry & tourism All industrial, manufacturing, processing & mining All property purchase & property development (commercial) All agricultural projects including game farming COMMERCIAL RETAILING Supermarkets Large scale retailers General dealers Specialised retailers (service stations, restaurants, furniture shops, funeral parlours, flowers etc.) Bottle stores and bars Butcheries Hair salons The facilities cover working capital, machinery & equipment, and building construction & refurbishment. COMMERCE & SERVICE INDUSTRY Hotels, lodges and catering Schools (primary, secondary & tertiary) Medical services Construction company services Business & professional services Recreational services Repairs of motor vehicles Other repairs Laundry, dry-cleaning etc. Other community, personal services The facilities include working capital, machinery and equipment, furniture & fixtures, motor vehicles and building construction & refurbishment. INDUSTRY, MANUFACTURING, PROCESSING & MINING Mining & quarrying _Information_Bklet_2.indd 9
8 Information Booklet What you need to know about NDB. Grain milling Bakery products Textile Tanning, leather products & processing Furniture manufacturing, wood & wooden products Non-metallic products manufacturing (e.g. plastic bags, card boxes, toilet paper) Metal products manufacturing (e.g. welding products) Other manufacturing (e.g. artificial flowers) Agricultural based manufacturing Also includes loans for working capital, machinery and equipment, furniture fixtures, motor vehicles and building construction PROPERTY PURCHASE For trading or manufacturing businesses for owner occupation (as per projects listed above) For long term leasing (as per projects listed above; shopping centres, office space, factory units and commercial residential units e.g. town houses) PROPERTY DEVELOPMENT For trading or manufacturing businesses (Owner occupation) For long term leasing (As per projects listed above including Shopping centres, Office space, factory units, commercial residential units e.g. town houses) For property: Location is important Title deed Valuation report of immovable offered as security Building contractors-quotations Professional team-architects, quantity surveyors, building managers/supervisors Approved building plans & building permit Offer of sale for property purchase Lease agreement, rental space and rental charges AGRICULTURE Livestock/breeding stock _Information_Bklet_2.indd 10
9 Poultry Piggery Diary Small stock (sheep & goats) Game Ostrich Horticulture Agricultural machinery and equipment Agricultural inputs (fertilisers, chemicals, seeds, feed, labour, contract ploughing, land development etc.) Other crop production and livestock projects WATER DEVELOPMENT Borehole drilling & equipping Water reticulation Purchase of existing borehole Others (irrigation equipment etc) _Information_Bklet_2.indd 11
10 Information Booklet What you need to know about NDB. Farm Development Purchase of farms and ranches Farm development Farm fencing Kraals Farm house Farm machinery & equipment & storage Others NOTE: The list provided above is not exhaustive. As such, discuss any proposal with the Bank to see if it qualifies for financing. Products For information on new products, contact NDB offices. STRUCTURED FINANCE The bank can also offer a Structured Finance Package other SERVICES OFFERED BY THE BANK SELECTED PERFORMANCE BONDS Application and assessment is the same as for other loans. The difference is that funds are not disbursed. The performance bond is turned into a loan should the bank be required to pay for the client. INTERBANK GUARANTEE Application and assessment is same as for other loans. Could be considered if client requires overdraft facility with its banker, and is not granted on grounds of inadequate security. If his form of security is lodged with NDB, as first bondholder, NDB could guarantee the client s repayment record is satisfactory and entire operation is viable. LOAN RESCHEDULING NDB rehabilitates existing projects that prove to have the potential for survival and capacity to repay. Rescheduling will be done at the prevailing interest rates. AGRICULTURAL CREDIT GUARANTEE SCHEME (ACGS) Assist dry land farmers with NDB loans if the country is declared drought stricken. (Clients can always contact NDB for further information on the above two schemes.) _Information_Bklet_2.indd 12
11 OTHER SERVICE CHARGES (Subject to review) Note: These charges are however negotiable, on a case-by-case basis. PERFORMANCE BOND FEE 2,5% to 5% + VAT, once-off payment upon approval of the facility. INTER-BANK GUARANTEE FEE 2,5% to 5% + VAT, once-off payment upon approval of the facility. RESCHEDULING FEE 0,25% to 1,5% on the amount rescheduled + VAT. EARLY REPAYMENT PENALTY The Bank charges early repayment penalty interest on amount repaid early. INTEREST RATE PAID ON ADVANCE PAYMENT Currently 3.5% (subject to review) DISHONOURED CHEQUES, STOP ORDERS AND DIRECT DEBITS FEE P VAT LOAN ACCOUNT STATEMENT No charge DOCUMENTS REQUIRED FOR REGISTERING MORTGAGE BONDS COVERING MORTGAGE BOND (By a company) Title Deed Memorandum and Article of Association Certificate of Incorporation SURETY MORTGAGE BOND (BY COMPANY FOR ANOTHER COMPANY) Title Deed Memorandum and Articles of Association (principal debtor) Certificate of Incorporation (principal debtor) Memorandum and Article of Association (surety) Certificate of Incorporation (surety) SURETY MORTGAGE BOND (BY INDIVIDUAL FOR COMPANY) Title Deed Memorandum and Article of Association (principal debtor) Certificate of Incorporation (principal debtor) If married out of Community of Property proof to that effect Decree absolute if divorced _Information_Bklet_2.indd 13
12 Information Booklet What you need to know about NDB. NOTE: If the title deed is held by another financier the permission from such financier to register our bond must be produced. COVERING MORTGAGE BOND-INDIVIDUAL Title Deed Death Certificate if spouse is deceased Proof of marriage out of Community of Property Death certificate if spouse is deceased OTHER ATTACHMENTS TO BE SUBMITTED WITH LOAN PROPOSALS: Business plan Identity document/omang 3 months bank statements Valuations of property offered as security Licences 3 year financial projections COMPANIES APPOINTED FOR VALUATION OF ASSETS OFFERED AS SECURITY TO NDB To strengthen and facilitate efficiency in the bank s operations, the Bank reviewed some of its lending processes and advises customers that it has appointed valuers, listed below, for valuation of their assets to be used as security: _Information_Bklet_2.indd 14
13 Company Physical Address Postal Address Phone No. Fax Address Name Kwena Property Private Bag brob .co.bw Gaborone Services (Pty) Ltd Private Bag F Francistown Apex Properties P O Box maje@majemaje.com (Pty) Ltd Gaborone More Property P O Box mooketsi@moreproperty.co.bw Valuers (Pty) Ltd Gaborone Willy Kathurima P O Box / / willy@wka.co.bw Associates Gaborone 5/6/7 1/4 (Pty) Ltd P O Box kundaa@wka.co.bw P O Box kundaa@wka.co.bw Francistown P O Box joechiya@yahoo.com Maun Space and Place P O Box (Pty) Ltd Gaborone _Information_Bklet_2.indd 15
14 Information Booklet What you need to know about NDB. WHO TO CONTACT HEAD OFFICE: Chief Executive Officer Customer Service Managers (CSM) Development House Queens Road, Main Mall P O Box 225, Gaborone Tel: , Fax: REGIONAL OFFICES: FRANCISTOWN Customer Service Managers (CSM) Tswelelopele House P O Box 282, Francistown Tel: , Fax: MAUN Customer Service Managers (CSM) Main Mall P O Box 453, Maun Tel: , Fax: PALAPYE Customer Service Managers (CSM) Branch Manager P O Box Palapye Tel: , Fax: _Information_Bklet_2.indd 16
15 Help desk Website _Information_Bklet_2.indd 17
16 18423_Information_Bklet_2.indd 18
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