Africa-Press – Angola. The Savings and Credit Bank (BPC) is preparing, for launch soon, a financing solution for families and the economy in general.This is “Crédito Resolve”, a short-term product (financial loan) designed to meet immediate needs.
The information was provided in the interview published, in its latest edition, by the chairman of the Board of Directors of the only commercial bank with fully public capital.
Cláudio Pinheiro said that this new solution is in the final stages of adjustments and aims to replace the previous “10 Times Credit”, a bank product that consisted of advancing up to ten effective remunerations to customers with salaries domiciled at the bank.
“We are currently preparing “Crédito Resolve” and we believe that it will really solve the problem. The profile of this new product is that instead of making money available to the customer, we will directly finance the acquisition of goods, such as household appliances, electronic equipment, motorbikes and even cars and other consumer items that fit the risk profile of the product”, he indicated.
The banker recalled that “BPC 10 Times” was initially suspended to be restructured and made available to customers again, which has not happened so far because all the conditions have not been created. This is why the bank’s management decided to rebrand it in the near future.
At this time, said Cláudio Pinheiro, the “BPC Salary 4 Times” continues, with very high levels of demand and satisfaction, as the customer’s request is met within five or seven business days at the most. To make things easier for customers, the bank replaced the guarantor by taking out credit life insurance from any entity, but the bank also finances it via credit if the customer opts for the proposal from Mundial Seguros.
Real economy
In relation to the full financing of credit programmes for the real economy, the Savings and Credit Bank (BPC) admits that it still needs greater flexibility in relation to the balance and robustness of the balance sheet, to fully respond to all the legitimate intentions of the market and even of the bank itself in relation to credit to the real economy.
“We are exploring existing projects, which already have a track record, verifiable evidence that they produce goods and generate exploration results, for example, ongoing projects for rice production, fertilizers, importers of soil correction factors, which need
cease and we realize that with the support of the BPC they can increase soil productivity, expand the exploration area, increase and diversify the internal supply of food goods”, stated the PCA.
Cláudio Pinheiro guarantees that, as long as the aforementioned potential is identified, the public bank will always finance projects that are presented in these terms and demonstrate viability, and allow the bank to remain on the path of granting responsible and prudent credit, within tolerable risk limits.
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