U and C Microfinance Bank LTD

Services

We offer world class microfinance banking services absolutely tailored to suit the need of our customers.

Technology

We deploy cutting-edge digital applications to ease customers' transactions from the comfort of their homes.

Customer Care

Our customer care model is humanely focused on problem solving.

Our Bank

Corporate Governance

The Bank upholds the highest standard of corporate governance based on its banking philosophy that public trust and confidence are reposed where banking business is conducted with the best standard of corporate governance which protects the interest of all stakeholders.

Strategy Objectives

Our goal is to provide simple, flexible, diversified and affordable financial services to the active poor, low income earners, small and medium scale entrepreneurs (SMEs), co-operative societies, market traders, village/town unions, farmers, fishermen, artisans, women groups, informal self help solidarity groups, non-governmental organizations (NGOs), civil/public servants, corporate bodies and the University community on a timely, competitive and sustainable basis while promoting financial inclusion, poverty reduction, wealth and job creation in the economy.

Corporate Performance

Over the last sixteen years of microfinance banking operations, U and C Microfinance bank Ltd has shown incredible resilience and commitment to the delivery of unique microfinance banking services to her teeming customers. This commitment has manifested growth in practically all key performance indicators (KPIs).
The bank has a strong and resilient capital base that increasingly resonates with its growth trajectory. Asset and liquidity base are consistently recording astronomical expansion while the bank’s financial performance trajectory is sterling with fascinating increase year-on-year (YoY) despite the suffocating economic condition in the operating environment. The bank’s physical and technological infrastructures are expanding rapidly to deliver superior customer experience in a cozy and comforting banking ambience.

Customer Base

The Bank’s customer base comprises of individual and corporate customers. The individual customers are largely low income households, petty traders, students and civil servants. Corporate customers include: Enterprises, limited liability companies, contractors, manufacturing firms, agro-allied farmers, informal groups and cooperatives.

Our subsidiaries

PH U and C Coorperative Investment and Credit Society LTD

Deposit Products

- Members Deposit Accounts
- Capital Deposit Accounts
- Thrift Savings Accounts
- Mobile Banking Services
- Collection of Fees/Utility Bills
- Electronic Fund Transfers

Loan Service

- Micro Credits
- Group Lending
- Asset Acquisition Loans
- Agric Loans
- Prosperity Credit

U and C Academy and Consultancy Services

Our Programmes

- Leadership & Strategic Management Courses
- Capacity building for MFBs/SMEs
- Business research support
- Loan recovery & delinquency management
- Microfinance certificate programme for microfinance operators
- Strategic business plan and financial projections for MFBs/SMEs
- Accounting systems setup for MFBs/SMEs
- Risk Management solutions for microfinance practioners
- Financial modeling for MFBs/SMEs
- Budget and strategic plan for MFBs/SMEs

Our Model

- Our training modules are delivered physically and virtually
- Our facilators are topnotch professionals with vast practical experiences in Management, Finance & Banking
- Our learning environment is cozy & comforting
- Our curricular is tailored for problem solving
- Our delivery tools and methodology are world-class

Need to Grow Your Business

Our goal is to provide simple, flexible, affordable and sustainable financial services to the active poor, low income earners, small and medium scale enterprises.

100+

Satisfied Customers

150+

Employee

700+

Happy Customers

5+

Location

Message From CEO

To Our Customers

“U and C Microfinance Bank provides a credible platform for extending financial services to the unbanked populace to assist them to contribute to socio-economic development and reduce poverty.”

Our Core Services

Our Deposit Products

Our deposit products are fashioned intentionally to promote savings culture with attractive yield. Our current deposit accounts create withdrawal convenience for customers through third party transactions and our sophisticated e-channels. Our savings products yield monthly income to customers while our fixed deposit products are tailored to compensate customers with fascinating interest.

Our Loan Offerings

Our credit products deliver capital formation value for business expansion to transform customers’ earning experience and create employment. Our terms are flexible, our conditions are simple. Our delivery channels are both physical and remote; poised to ease access by all mix of customers.

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Services

Technology

Customer Care