Development of the Business Plan to Develop a Network of Banking Agencies

Development of the Business Plan to Develop a Network of Banking Agencies

Client

Mesofinance Bank

Period

11/2019 – 02/2020

Country

Tunisia

Project Context and Description

The mission is to support a Tunisian mesofinance bank in the study of the opportunity to transform its entire network of regional offices into banking agencies and in the development of its business plan. This mission also includes support with the Central Bank of Tunisia (BCT) to obtain the necessary authorizations.

This project is part of the Bank’s strategic development plan and the implementation of the National Financial Inclusion Strategy.

Work Done by AMEF Consulting

  • Developing a study on customer expectations through conducting a survey of a sample of 240 customers and organizing Focus groups with bank employees
  • Comparative analysis of the existing offer and that offered by the competition (products, pricing, conditions)
  • Operational diagnosis of the offices to be transformed into bank branches and the Bank’s central services
  • Evaluation of human capital
  • Information System (SI) Diagnosis
  • Spreading analysis and estimate of office budget into banking agencies
  • Development of an encrypted Business Plan with a sensitivity study
  • Support for the creation of the accreditation file to be submitted to the BCT.
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Strategy and Organization 


Design of the business Strategy of a Mesofinance Bank

Design of the business Strategy of a Mesofinance Bank

Client

Mesofinance Bank

Période

06/2021 – 11/202&

Pays

Tunisia

Project description and context

The mission is to support a mesofinance Bank in the development of its new development strategy for the period 2021-2025. The strategy was developed using a participatory approach and covered the following main topics:

  • In-depth strategic diagnosis
  • Vision and strategic development axes.
  • Means and Resources for the implementation of the strategy.

Business Plan and strategy implementation program.

Work carried

  • Mission framing
  • Collection and analysis of documents and data.
  • Study of the Mésofinance market
  • Animation of exchange and brainstorming workshops with governance bodies and bank staff.
  • Development of an in-depth diagnosis of the bank in several areas
  • Development of the vision and strategic development axes
  • Breakdown of the new strategy into several strategic projects by function
  • Development of governance and the implementation plan for strategic projects.
  • Development of the bank’s new business plan for the period 2021-2025.
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Strategy and Organization 


Opportunity Study for the Creation of a Microfinance Institution

Opportunity Study for the Creation of a Microfinance Institution

Client

A Retail Bank

Period

2013

Pays

Tunisie

Project Context and Description

In order to develop the microfinance sector in Tunisia, a new law was adopted in 2011. Thus, a mesofinance bank found itself faced with a decision to be taken regarding the creation of a company for the development of the microfinance business under this new law.

To this end, AMEF Consulting was asked to conduct an opportunity study to create a microfinance institution, by developing its business plan.

Work Done by AMEF Consulting

  • Study of the microfinance market in Tunisia (the institutional framework, the gap between supply and demand, competition, …)
  • Defining financial products and non-financial services to offer to customers
  • Defining the governance and organization of the Microfinance Institution (MFI) to create and sizing its teams
  • Development of the MFI’s financial business plan to be created
  • Support for the preparation of the application for accreditation.
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Inclusive Finance and Microfinance Strategy and Organization 


Due Diligence of a Pan-African Financial Group

Due Diligence of a Pan-African Financial Group

Client

A Finance Group

Period

12/2012-06/2013

Country

Sub-Saharan Africa

Project Context and Description

As part of its regional growth in Africa, a Tunisian financial institution has been interested in acquiring a majority block of the capital of a non-bank pan-African group, in association with other investors.

To this end, AMEF Consuting has been asked to support it in the strategic and financial audit work of this group (Due Diligence) in order to confirm its interest in acquiring this majority block and define its financial offer.

The pan-African financial group operates in 9 countries in sub-Saharan Africa and specializes in financing small and medium-sized enterprises.

Work Done by AMEF Consulting

  • Study of banking regulation in several sub-Saharan African countries (UMOA; CEMAC; Zambia; Tanzania and Kenya)
  • Financial and tax diagnosis of the Consolidated and Individual Financial Statements of the Group and its subsidiaries
  • Study of the commitment’s portfolio of subsidiaries and the level of provisioning of credit risks
  • Support for the development of the business plan forecast of the Post Acquisition Group’s business
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Strategy and Organization