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Agribusiness Dept This document has been classified as CONFIDENTIAL - INTERNAL by Centenary Bank.

Presentation Summary

 Centenary Bank experience

-Who are we

-Performance of Agribusiness

- Coffee Value chain exposures

 Current Status of Agriculture Contribution to


GDP

 Coffee financing approach

 Challenges and interventions in Coffee sector

• Innovative financing solutions and mechanisms

Agribusiness Dept This document has been classified as CONFIDENTIAL - INTERNAL by Centenary Bank.
About Centenary Bank

Who we are

• The Bank started as an initiative of the Uganda


National Lay Apostolate in 1983 as a Credit Trust
and operations begun in 1985

• Registered as a fully fledged commercial Bank in


1993 and is now the leading Micro Finance and
commercial loans provider in Uganda

Agribusiness Dept This document has been classified as CONFIDENTIAL - INTERNAL by Centenary Bank.
About Centenary Bank

Agribusiness Dept This document has been classified as CONFIDENTIAL - INTERNAL by Centenary Bank.
About Centenary Bank

Our Mission Statement

• To provide appropriate financial services especially


Microfinance to all people,particulary in the rural
areas ,in a sustainable manner and in accordance
with the law

Our Vision

• To be the best provider of financial services


especially Microfinance

Agribusiness Dept This document has been classified as CONFIDENTIAL - INTERNAL by Centenary Bank.
Centenary Bank Performance

Agribusiness Dept This document has been classified as CONFIDENTIAL - INTERNAL by Centenary Bank.
Centenary Bank Performance

Agribusiness Dept This document has been classified as CONFIDENTIAL - INTERNAL by Centenary Bank.
Centenary Bank Performance

Agribusiness Dept This document has been classified as CONFIDENTIAL - INTERNAL by Centenary Bank.
Centenary Bank Performance

Agribusiness Dept This document has been classified as CONFIDENTIAL - INTERNAL by Centenary Bank.
Ag. Credit as a share of total credit versus Ag GDP as a share of total GDP

Agribusiness Dept This document has been classified as CONFIDENTIAL - INTERNAL by Centenary Bank.
Performance of Agribusiness Loan Portfolio

Agribusiness Dept This document has been classified as CONFIDENTIAL - INTERNAL by Centenary Bank.
Performance of Agribusiness Loan Portfolio

Agribusiness Dept This document has been classified as CONFIDENTIAL - INTERNAL by Centenary Bank.
Performance of Agribusiness Loan Portfolio

Agribusiness Dept This document has been classified as CONFIDENTIAL - INTERNAL by Centenary Bank.
Areas of intervention in Financing Agriculture

Agri - Inputs

Agribusiness Dept This document has been classified as CONFIDENTIAL - INTERNAL by Centenary Bank.
Our Financing approach

Our mandate is to provide:

• Sustainable ,affordable financial services to


farmers

For the following purposes

• Farm inputs ,labour ,land clearing land hiring


,land purchase etc

• Farm operations including purchase of hand


tractors, full body tractors, other farm tools etc

• Marketing ,bulking activities and income


stabilisation

Agribusiness Dept This document has been classified as CONFIDENTIAL - INTERNAL by Centenary Bank.
Our Financing approach

Our Coffee Value chain financing approach:


FACTORY/
FARMER MILLER MARKETING
SOCIETY
(Production) (Secondary AGENT
(Primary
Processing) (Marketing)
Processing)

Financial Requirements Financial Requirements Financial Requirements Financial Requirements

*Credit for farm inputs and *Factory Rehabilitation Asset finance-Upgrading Pre-export financing.
farming operations. *Factory Operations or purchase of new milling Financing entry to
*Credit for farm *Asset Finance – stations. certification Programmes
establishment. purchase of machinery Working Capital e.g.
*Cherry Advances. Fairtrade, UTZ Kapeh

FLOW OF CREDIT

Agribusiness Dept This document has been classified as CONFIDENTIAL - INTERNAL by Centenary Bank.
Innovative Financing models and instruments for Youth in Agriculture

Enterprise Dec-17 Cont


Maize 57,857 25.70%
Cattle 54,204 24.08%
Coffee 39,500 17.50%
Banana 15,558 6.91%
Beans 11,038 4.90%
Soya Bean 7,465 3.32%
Sunflower 5,962 2.65%
Irish Potatoes 5,433 2.41%
Sugarcane 5,238 2.33%

Agribusiness Dept This document has been classified as CONFIDENTIAL - INTERNAL by Centenary Bank.
General Challenges / Risks in Agric Financing and mitigation measures

Agribusiness Dept This document has been classified as CONFIDENTIAL - INTERNAL by Centenary Bank.
Common Financing needs and solutions for Agric-traders, Aggregators & Agents

Agribusiness Dept This document has been classified as CONFIDENTIAL - INTERNAL by Centenary Bank.
Common Financing needs and solutions for processors

Agribusiness Dept This document has been classified as CONFIDENTIAL - INTERNAL by Centenary Bank.
Common Financing needs and solutions for wholesalers and Retailers

Agribusiness Dept This document has been classified as CONFIDENTIAL - INTERNAL by Centenary Bank.
Innovative financing : Other Mechanisms within the two modals

• Contract financing : A form of vertical ordination between growers


and buyers/off-takers that shapes production decisions

• Factoring/invoice discounting

• Leasing / Farm asset and equipment loans where the equipment is


the primary collateral

• Crowd funding: A novel and fast growing model that uses the
internet to connect to borrowers and lenders

• Agent Banking, Mobile tellers and e-savings and credit

• Ordinary financing out of the value chain

Agribusiness Dept This document has been classified as CONFIDENTIAL - INTERNAL by Centenary Bank.
END

Agribusiness Dept This document has been classified as CONFIDENTIAL - INTERNAL by Centenary Bank.

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