Agropastoral offers

Banking for the agricultural sector

Accounts, savings, guarantees and investment designed for farmers, associations, companies and intermediaries in the agropastoral sector.

Agropastoral offers

Agropastoral accounts

Eight products from the Agropastoral offers brochure.
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  • Agropastoral chequing account (CCAP)

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    • Product concept

      Current account for employees of farms and agri-food industries, and for agro-pastoral operators.

    • Who it's for

      • Employees of agropastoral farms or agri-food industries (public, private or parapublic). Natural persons with a permanent or part-time income (agro-pastoral farmers).

    • Support services

      • Certificate of tax compliance
      • Photocopy of the CNI or residence card (failing that, birth certificate)
      • 02 4×4 photos
      • Proof of income (contract)
      • Home Location Map or Water / Electricity Bill
      • Opening costs with domiciliation of salary: free of charge
      • Opening costs without domiciliation of salary: 10,000 CFA francs
      • Closing at the request of the customer: 10,000 CFA francs

  • Agropastoral association account (CASAP)

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    • Product concept

      Account for associations, CIGs, cooperatives and mutuals in the agropastoral sector.

    • Who it's for

      • Association, CIG, cooperative, mutual.

    • Support services

      • CASAP opening request on letterhead, signed by the president
      • Legalised copies: constituent assembly minutes, articles and internal rules
      • Association declaration receipt or Coop-CIG register certificate
      • Constituent general meeting minutes and attendance list
      • Latest general meeting minutes and attendance list
      • For other de facto non-farm associations: any creation or authorisation document
      • Letter appointing representatives
      • Copies of representatives’ valid national IDs
      • Two 4×4 photos per proxy member
      • Association tax compliance certificate
      • Opening fee: CFAF 25,000
      • Initial deposit: CFAF 50,000

  • Agropastoral business account (CSAP)

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    • Product concept

      Current account for companies, firms and professionals in the agropastoral sector.

    • Who it's for

      • Agropastoral businesses, firms, practices, professionals, LLCs, EIGs and public limited companies.

    • Support services

      • Opening request on company letterhead
      • Valid IDs of duly appointed signatories
      • Company unique identifier
      • Two 4×4 photos of the signatories
      • Copies of notarised articles
      • Partners’ minutes appointing the manager(s) and powers (LLC), or board minutes appointing the chair, CEO and duties (PLC)
      • Trade register
      • Valid tax compliance certificate
      • Legal notices extract (PLC)
      • Company location plan
      • Opening deposit: CFAF 50,000 (agropastoral firms, practices, professionals)
      • Opening deposit: CFAF 100,000 (LLC, EIG, PLC, etc.)

  • Agropastoral financial intermediary account (CIFAP)

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    • Product concept

      Account for rural-finance MFIs, agricultural credit cooperatives and village savings and credit funds.

    • Who it's for

      • MFIs specialised in rural finance, agricultural credit cooperatives, village savings and credit associations.

    • Support services

      • Opening request on letterhead
      • Notarised articles (where applicable)
      • Trade register or movable-credit licence
      • Board or constituent assembly minutes
      • Minutes appointing the manager(s) or the chair and CEO
      • Tax compliance certificate
      • AML policy and procedures approved by the board
      • Operating authorisation
      • Managers’ approval
      • Valid tax compliance certificate
      • Taxpayer card
      • Last three balance sheets (where applicable)
      • Location certificate
      • Copies of signatories’ or proxies’ IDs
      • Two 4×4 photos of the signatories
      • Legal notices extract (where applicable)
      • Initial deposit: CFAF 100,000

  • Agropastoral savings account (CEAP)

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    • Product concept

      Savings for agropastoral farmers, associations, CIGs, cooperatives and companies.

    • Who it's for

      • Agropastoral farmers, associations, CIGs, cooperatives and companies.

    • Support services

      • CEAP opening application
      • Copy of a valid national ID (or birth certificate)
      • Two 4×4 photos
      • Valid tax compliance certificate
      • Initial deposit: CFAF 25,000
      • Associations and companies: same documents as for a current account

  • Agropastoral project account (CPAP)

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    • Product concept

      Blocked savings dedicated to a crop or livestock project.

    • Who it's for

      • Holders of crop and livestock projects.

    • Support services

      • Blocked savings
      • CPAP opening application
      • Copy of a valid national ID (or birth certificate)
      • Two 4×4 photos
      • Certificate of tax compliance
      • Location plan or water bill
      • Initial deposit: CFAF 50,000

  • Agropastoral solidarity guarantee deposit (DGSAP)

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    • Product concept

      Fundraising and guarantee for loans granted to associations.

    • Who it's for

      • Associations guaranteeing loans to their members.

    • Support services

      • DGSAP opening request on letterhead, signed by the chair
      • Association administrative file, as required to open a current account

  • Agropastoral investment bond (BIAP)

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    • Product concept

      Savings placed in promising agropastoral projects, yielding 5% a year.

    • Who it's for

      • Clients who want savings to earn a return while funding agropastoral projects.

    • Support services

      • 5% annual yield
      • Placements in promising agropastoral projects

Agropastoral offers

Agropastoral credit

Credit at rates adapted to agropastoral actors.
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  • Agropastoral credit solutions

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    • Product concept

      La Régionale BANK offers credit at attractive rates adapted to agropastoral actors.

    • Who it's for

      • Farmers, processors, distributors and agricultural MFIs.

    • Support services

      • Farm-input credit (seeds, livestock, crop or veterinary products, feed, packaging, raw materials)
      • Operating credit (labour, harvest costs, handling, wages, fuel, lubricants, tractor parts)
      • Small-equipment credit (irrigation, sprayers, chainsaws, etc.)
      • Agropastoral product distribution credit
      • Storage credit (collectors, wholesalers, processing units, agribusiness)
      • Receivables finance (discounting, factoring)
      • Letters of credit
      • Production-equipment credit (tractors, machinery, livestock buildings, land systems, mini-plants)
      • Credit for agricultural MFIs and savings and credit cooperatives
      • Overdrafts

Agropastoral offers

Services

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  • Non-financial services

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    • Product concept

      Beyond finance, technical support for farms.

    • Who it's for

      • Agropastoral farmers and project holders.

    • Support services

      • Farm diagnostics
      • Project maturity review and business-model strengthening
      • Advice on equipment and input supply from agronomists
      • Advice on hiring labour
      • Business coaching

  • Digital financial services

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    • Product concept

      Tracking, payments, withdrawals and transfers for the agropastoral sector.

    • Who it's for

      • Agropastoral clients who already bank with us.

    • Support services

      • SMS Banking to track transactions
      • Ananas Money: remote withdrawals, payments and savings
      • GIMAC card for ATM withdrawals across CEMAC
      • Local and international transfers

Agropastoral offers

Target value chains

We support actors in the value chains below, and emerging markets (renewable energy, recycling, waste recovery, ICT).
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  • Supported value chains

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    • Product concept

      Cereals, cash and food crops, legumes, forest products, market gardening and livestock.

    • Who it's for

      • Actors in agropastoral value chains.

    • Support services

      • Cereals: rice, maize, sorghum, millet
      • Cash crops: cocoa, coffee, oil palm
      • Food crops: cassava, plantain, sweet potato
      • Legumes: soya, groundnut, cowpea, beans
      • Non-timber forest products: bitter kola, kola, pepper
      • Market garden: onions, garlic, etc.
      • Livestock: ruminants, fish, poultry, pigs, non-conventional farming

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