1. AFRICAN BANKING
CORPORATION
ABC GLOBAL ourfull rangeof
exclusiveProducts & Services tailor-madeforYOU our
Diasporaclientele

2.  Our Vision
 Our Mission
 Our Core Values
ABC BANK PROFILE

3. OURVISION
To EMPOWER you to achieve the
EXTRAORDINARY

4. OURMISSION
To NURTURE lasting relationships with all
stakeholders through innovative value adding
financial solutions and services that help realize
your objectives.

5. OURCOREVALUES
 Customer Centric
 Professional
 Teamwork
 Excellence
 Commitment

6. ABC Global Accounts
Loans & Mortgages
Money Transfer Solutions
Life & Medical Insurance
Upgraded Internet Banking
MasterCard
Customer Service
ABC GLOBAL: PRODUCTS &
SERVICES

7. > ABC Global Current Account
> ABC Global Savings Account (Pure Savers)
> ABC Global Salary Account (Pesa)
> YoungStar Account
> Fixed Deposit Accounts
ACCOUNTS

8. ABC Global Current Account
Main Features:
 No Ledger Fees after you fund the account with a minimum of
Kshs 5,000 (or foreign currency equivalent). Accounts with
balances below Kshs 5,000 attract fee of Kshs 300 per month
 ABC Bank Debit MasterCard available in both Kshs & USD ($)
and can be used worldwide while on the go
 Secure and reliable 24hr Upgraded Internet Banking platform for
all transactions e.g. RTGS , EFTs etc
 Competitive Interest earning rates from an account minimum
balance of Kshs 10,000
 Account available in Kshs, USD, GBP, Euro and S.A. Rand
 Ability to apply for Mortgages, Personal and Construction loans
 No limits on deposits but higher deposits earn higher interests

9. ABC Global Savings Account
Main Features:
 Account purely for saving purposes; NO ATM card issued
 Minimum opening balance of Kshs 5,000
 NO Fees charged; its simply a FREE SAVINGS account
 Reduced interest earning balance at competitive rates from
Kshs 5,000 instead of Kshs 10,000
 Account available in Kshs, GBP,USD, EURO and S.A.Rand
 Free Monthly Statements
 24hr access to use our fast, secure & reliable Internet
Banking platform
 Automatic qualification to apply for Mortgages, Personal
& Construction loans

10. ABC Global SalaryAccount
Main Features
 Minimum opening balance
 Minimum interest earning balance is Kshs 25,000
 MasterCard Debit card and Cheque book available
 Account available in USD, GBP, Euro and SA Rand
 Ability to apply for Personal loans, Mortgages and
Construction loans
 Kshs 100 monthly fee
 Secure and reliable Internet Banking platform accessible
24hrs a day

11. ACCOUNTOPENING
REQUIREMENTS
 Fully Completed ABC Global Account Opening Form
 Copy of National Identification Document such as an I.D.
Card or valid National Passport
 2 Passport Size Photos
 Proof of Residential Address like utility bill in your name
– water, electricity of telephone bill
 Introducers Letter
 Copy of PIN (optional)
 Copy of Birth Certificate (where applicable for minors)
 Copy of Student Identification Document (where
applicable)

12. > Residential Mortgage (Owner Occupier)
> Construction Loan
> Vacant Land Purchase
LOANS & MORTGAGES

13. SELFEVALUATION QUESTIONS
Before applying for any kind of loan or mortgage, it is
important to ask yourself these questions:
 How much can I afford to borrow with no strains and
hassles?
 How much can I afford to pay per month?
 How long will my Loan/Mortgage term be?
 How much deposit can I afford if it’s a Mortgage?
 Do I want a Residential (Owner Occupier), Buy-to-Let or
Commercial loan?

14. GENERALREQUIREMENTS
 Copy of Title: (if lease, minimum term 45years)
 For outright purchase: Sales agreement or offer letter
from the seller
 Valuation report (valuation fees payable by Applicant)
 Ground Rent and Rates: Latest receipts confirming
payments to the city/town council
 Life Insurance: ABC Insurance quotation
 Landlords using rental income as security, ABC will carry
out a rental assessment

15. ConstructionLoans
Requirements
 Land with a clean title
 Approved building plans.
 Approved structural drawings
 Priced Bill of Quantities reports
 Profile/CV –Architect, Quantity Surveyor, structural Engineer,
Contractor and Project Manager
 Applicants contribution - provide evidence of own funds for the
projects equity contribution . 20% or more is required
 Contractors Agreement specifying duration of the project and
performance bond
 Bank can provide Quantity Surveyors, lawyers and project manager
for this product if you don't have them on place
 Approval within 14-21 days when all documents are in place
 Tailored Interest rate from 15.9% but can be brought down with a
higher deposit from the Applicant.

16. Residential Mortgages
 80% Financing Facility
 Borrower pays 20% deposit of the purchase price
 Loan or property value should be from a minimum Kshs 2.5 Million to a
maximum of Kshs 20 Million
 You must be a salaried individual or self employed with clear proof of
income with a minimum gross salary/income of at least Kshs 100,000 or
equivalent in Foreign Currency
 Property has to be a developed residential property
 Maximum repayment period is up to 15 years depending on age,
retirement or financing level;
 ABC Direct Access Mortgage feature allows you to make lump sum
deposits and withdrawals on your Home loan account
 Approval is within 14 days after receipt of all documentation
 Access to a dedicated Customer Service centre ready to assist you through
the home loan process
 Competitive variable interest rates linked to the CBK base rate from
15.9% and can be negotiated down with a higher deposit from the
applicant

17. Vacant LandPurchase
Features
 Maximum loan period of five (5) years
 Maximum loan amount of Kshs 20,000,000
 We will finance a maximum of 70% of the Land sale
value.
 Very Competitive variable interest rates
 Our commitment fee is only 1% of the loan amount
 The Land MUST HAVE a clean TITLE DEED of which
ABC will verify with the Lands Registry

18. Requirements forEmployed
Applicants
 Duly filled Mortgage/Loan Application Form
 Read, understand and accept the Terms & Conditions
 3 Passport size photos
 Certified 6 months current bank statements (if different from
ABC Bank Account)
 Certified 3 months current pay slips or evidence of income if self
employed
 Copy of Pin Certificate
 Evidence of clients owner contribution
 Proof to meet 20% or 30% financing requirement depending on
financing level (deposit slip of funds)
 Valid Title deed of the property to be charged
 Professional valuation of property to be developed by a valuer
on ABC Bank’s panel
 Signed Sale agreement by both parties and witnessed by a
solicitor

19. Requirements forSelf Employed
Applicants
 Certified Bank statements for the last twelve (12) months
 Audited Accounts for the last one (1) year
 Cash Flow projections for the next one (1) year
 A brief write up detailing history and nature of your business
 Sale agreement duly signed by both parties witnessed by a
lawyer
 Copy of Title (minimum lease period is forty-five [45] Years)
 Net disposable income should be at least 30% of net income to
accommodate domestic expenses
 Certificate of official search of the property from Lands Registry
 Proof that you can meet the 20% or 30% financing requirement
depending on bank financing level (evidence of funds deposit
slip)
 Open ABC mortgage account
 Tenancy agreements for rented property (if any)

20. Requirements forLimited
Companies
 Duly filled Mortgage/Loan Application Form
 Business brief profile, nature and operation of the business
 Certified copy of Incorporation
 Copy of Memorandum &Articles of Incorporation
 Board /Directors Resolution authorizing borrowing
 Read, understand and accept the Terms & Conditions
 6 months current bank statements
 3 years audited accounts and current management accounts
 Expected One (1) year cash flow statements
 Satisfactory credit appraisal and approval
 Execution of all legal documents
 Company KRA PIN and ID Copies of all Directors
 Valid Sale Agreement and copy of the Title Deed
 Review and attach all documents required on the Mortgage/Loan
Application Checklist

21. OtherStandardRequirements
Other Requirements for all Applicants:
 Evidence that statutory approvals have been obtained e.g.
National Environmental Management Authority (NEMA)
approvals, County and Municipal Council approvals,
Approved Architectural plans
 Rent and rates clearance certificate
 Profile of professionals undertaking the construction project
 Copies of signed contracts between Developer and
Contractor
 Bills of Quantities from a practicing Quantity Surveyor
 Stamp Duty paid to Kenyan Government; normally 4%
(urban) 2% (non-urban)
 Valuation Fees- payable directly to independent approved
bank valuer
 Legal fees – payable to the advocate’s office

22. > International Transfers
> Local Transfers
MONEY TRANSFER
SOLUTIONS

23. OurMoneyTransferSolutions
International Transfers
 ABC M-Transfer
 Instant Cash
 SWIFT International Transfer
 M-Pesa (from select money transfer providers)
 Western Union
 Al Dahab Exchange – Middle East Region
Local Transfers
 M-Pesa
 Internal – within ABC Bank and it is FREE and instant
 RTGS – interbank, same day if carried out before 1:00PM EAT
 EFT’s – interbank, using a local clearing house so received
after 3 business days

24. ABC M-Transfer
 An innovative FREE money transfer service available in
over 80 countries worldwide; (USA launch coming soon)
 Register, book and transfer your money- for free –
directly from your foreign account, debit card or bank
account
 Enjoy competitive exchange rates
 Its fast, safe and convenient as the money goes directly to
your account
 Available to non-ABC Bank customers as well
 Log-onto https://abc-moneytransfer.com/ and start
saving TODAY!!!

25. abcD’Bouquet ALL Inclusive Life Package
> > Diaspora Return Ticket
> > Beneficiary Funeral Expense
> > Life Cover
> > Pension
> > Health Insurance
Medical Insurance Package
LIFE & MEDICAL
INSURANCE

26. Easy Bill Payment that provides a fast, simple and secure way to move
money
Funds Transfer: perform transactional and non-transactional tasks such
as;
> > FREEinternal transfer within ABC Bank accounts
> > money transfers to other local banks using RTGS’ and EFT’s
> > M-Pesa Solutions
> > International bank payments using SWIFT
Mobile Banking: download our ABC Bank Internet Banking Application
using ‘Play Store’ found on all android Smartphone’s or link directly from
your web browser.
QuickAccess: secure messaging and ordering platform, download account
statements in PDF, WORD or EXCEL, track all your ABC Bank accounts,
view balances and recent transaction
2nd
Level Authentication which provides another level of security for all your
UPGRADED INTERNET
BANKING

27. Freedom of banking anywhere in the world while on-
the-go with our Debit MasterCard;
Available both in Kenya Shillings (Kshs) and US Dollar
(USD);
Vast branch networkanywhere you see MasterCard
logo;
Access to our24 hourAuthorization Centervia:
 Email: abccards@abcthebank.com
 Phone: +254 (020) 267-2260
+254 (020) 444-0033
DEBIT MASTERCARD

28. DO YOU WANT TO
TALK2US?
Our dedicated Diaspora Department as well
as the ABC Bank Customer Service Team
are standing by waiting to assist you
today!!!
CUSTOMER SERVICE

29. DIASPORA DEPARTMENT

30. CUSTOMERSERVICE
DEPARTMENT
 Bank Website: www.abcthebank.com
 Email Address: talk2us@abcthebank.com
 Hotline: + 254 (0) 701 700700
 Main Bank No: + 254 (020) 426 3000
 Live Chat: www.abcthebank.com/instantchat
 Twitter: @abcbankkenya
 FaceBook: www.facebook.com/abcthebank
 SWIFT Code: ABCLKENA

32. AFRICAN BANKING
CORPORATION
THANKYOU