FINANCIAL MANAGEMENT

PRESENTATION

of

FINANCIAL INSTITUTION

YOMA BANK

GROUP NINE
FINANCIAL INSTITUTION

Financial institutions are:

Banks

Non‐bank financial institutions

and

Scheduled institutions.
 Banks
An entity licensed by the Central
Bank to carry on banking business

Banking business

The business of commercial banking

OR

The business of development banking

Commercial Banking Business

①  accepting or receiving various kinds of

deposits ;

②  paying and collecting cheques drawn by or

paid in by customers;

③  providing credit facilities; and

④  such other banking business as the
Central Bank may prescribe
Development banking

The business of accepting fixed

deposits with terms exceeding one
year and financing of specific
economic sectors

The resources collected by such banks

or funds provided by the Government
List of Bank in Myanmar
State Owned Bank
Central Bank

State-run Bank

Semi-government Bank

Private Bank

New Bank
 Yoma Bank

The Responsible
Bank
Our Mission

One Dream
One Team
One Vision
CORE VALUE

Customer Focus

People Development

Team Work

Pride in the Organization

Yoma Bank History
Foundation and First year
Founded in May 1993,receiving license

First Bank in August 1993

1996, Bank Expanded

1999, The First Computerize Accounting

system

2001, Yoma has 41 Branches in 24 Cities

Banking Crisis
Myanmar Banking Crisis in 2003
Yoma Bank History
Full Operating
August 2012 reinstated Full Banking license

Focusing its service on Small and Medium-

sized Enterprises (SMEs), International
Finance Corporation (IFC), member of
World Bank Group, Loan of over $30 million

September 2014, received the First $5

million for SME Program

IFC assist installing new core Banking

system and risk management and corporate
governance
 Full Operating

November 2014 Mobile Banking with

Telenor

March 2015, “Fusion Banking Essence”

Software from British Provider “Misys”

May 2015,To Promote SMEs German

Development Agency GIZ as partner
 Product and Service

①  Retail Banking

②  SME Banking

③  Business Banking
 ①  Retail Banking
Called Deposit Account
Saving Deposit Account
Current Deposit Account
Remittance
Jzu Deposit Account
Fixed Deposit Account
Smart Deposit Account
Safety Deposit Boxes
Payment Order
Certified Cheques
Gift Cheques
Pay Roll
 Called Deposit Account

Interest will be calculated daily and can

be withdrawn every month

6% interest rate per annum

Saving Deposit Account

Interest is paid quarterly

No service charge

8.25% interest rate per annum

Current Deposit Account
Convenient for withdrawing money with
received cheque at your nearest branch

Cheque book for easier payments

Remittance

Myanmar’s most reliable, efficient and

secure remittance service that transfers
through a network of more than fifty
Yoma Bank branches across the country

We offer you the best domestic

remittance service in Myanmar
Jzu Deposit Account

Interest will be calculated daily

and can be withdrawn every
month

3% interest rate per annum

 Fixed Deposit Account

Interest per
Period (Days)
annum
30 8%

60 8.5 %

90 8.75 %

180 9.5 %

270 9.75 %

360 10 %
Smart Deposit Account

Smart Account

MPU Smart Card

No minimum balance

No MPU Card fee

No transaction fees at any ATM

No account maintenance fee

 Safety Deposit Boxes
Yoma Bank Safety Deposit Lockers are
rented on an annual basis.

Botahtaung and HlaingThayar branches in

Yangon and at the 78th Street branch in
Mandalay.

Their size are

22” x 5” x 5” 50,000 kyats

22” x 10” x 3” 60,000 kyats

22” x 10” x 5” 100,000 kyats

22” x 10” x 10” 200,000 kyats

 Payment Order

Designed to help facilitate your payments

to a third party within Myanmar

Yoma Bank account holders can instruct

the Bank to make a guaranteed payment
or series of payments to a third party
institution via paper or electronic means.

Unlike cheques issued, signatures will

not be required in order for the payment
to be cashed
 Certified Cheques
We provide one of Myanmar’s safest and
most efficient checking services.

Our Certified Cheque guarantees the validity

of the cheque by reserving its value on your
Current Account.

Yoma Bank’s Certified Cheque makes paying

by cheque a safe experience

Gift Cheques

Describe your adoration to your valuable

person
Pay Roll for Employers’ benefit

Reduce staff and costs associated with

processing monthly payroll takes

Pay your employees accurately and

timely

Ensure salaries are directly credited into

employees’ accounts via secure channels

Remove the burden and risk of paying in

cash

Maintain an updated list of employees’

contact details and adresses

No Fees & Charges

Pay Roll for Employees’ benefit

Receive your salary to your SMART

account and enjoy many more SMART
features

Get access to your cash at any ATMs with

zero transaction fees or make Digital
payments at any shops with MPU Logo

Open Savings, Call, Fixed Deposit and

JZU accounts to conveniently manage
your finances and money transfers
through Yoma Bank Mobile Banking
Application
 ②  SME Banking

Committed to support SMEs

SME is backbone of Myanmar Economy

Our Goal is Development of SME across

the ASEAN region

SME requires significant investment in

technology
 ②  SME Banking
Our challenge is to deliver competitive
quality products to our SME customer

Actively targeting SME in its loan portfolio

over 70% of our loan

Average loan size USD 175,000

More developed commercial centers of

Yangon and Mandalay
③  Business Banking

Corporate Banking &

Trade Finance

International Banking

Currency Exchange

Financial Solution
Corporate Banking & Trade
Finance
Import Letter of Credit

Performance Guarantee

Yoma Trade Guarantee

A written commitment issued on behalf of
the buyer to guarantee, on demand

The amount specified to meet the buyers’

obligations under a contract signed

Provides both seller and buyer with the

comfort that payments and goods will be
delivered in a timely manner
 Hire Purchase
geared to provide flexible, deferred
payments to clients who seek to finance a
physical asset
A buyer pays regular installments to the
Bank based upon the specific value of an
item
full payment of the loan, the buyer will
obtain complete ownership of that item
acts as a third party to facilitate and
provide the financial support between both
the buyer and the seller
Signed between the buyer and the bank on
the sale of the product and the seller and
the bank on the transfer of ownership
International Banking
International Banking team is at the
forefront of providing international
banking services to individuals, corporate
clients and multinational companies

Western Union
Straightforward Guaranteed Service
Services are now available at all Yoma Bank
branches

International Remittance
International remittance With a Yoma Bank
Foreign Currency Account, you will be able
to remit funds to any part of the world
Foreign Currency Account
Our Foreign Currency Account will help
you meet the challenges of doing business
overseas, providing essential support in
core areas such as importing and exporting,
foreign currency and international
payments.

Foreign Currency exchange

The Yoma Bank Currency Exchange
Service, available at selected branches, has
exchange rates that are updated on a daily
basis to provide you with real time,
competitive rates. As we expand this
service across the country our clients will
have increased access to currency
exchange services. Money Exchange
Counters can currently be found at the
selected Yoma Bank branches
Correspondent Banks
Financial Solution
Loans
Term Loan
Overdraft
Temporary Overdraft
Lien Loan
Share Loan
Gold Loan
Pledge Loan
Home Loan
Term Loan
A business loan backed by eligible
collateral with a one-year
A safe and secure way for you to quickly
increase your business capital

Overdraft

facility allows you the flexibility of

drawing and repaying your loan
according to your needs
Temporary Overdraft

supports your short term financing needs

Lien Loan

A short-term loan backed by your Yoma

Bank Savings or Fixed Deposit account

Share Loan

For customers who have bought shares

in FMI Company Limited, it is possible to
use these shares as a guarantee for a loan
Gold Loan

To help customers expand their

businesses, Yoma Bank offers the Gold
Loan. Customers can use gold bars or
bullion as collateral

Pledge Loan

For customers who need working capital

during the period while their investment
is tied up in stocks
Home Loan
Land & Building, Condo - up to 25 years -
30% down payment

Apartment – up to 15 years - 30% down

payment

13% Interest per annum

1.5% Processing Expenses (one time –

include assessor & lawyer fees)

Simple, & easy digital process

3% early repayment fee on the

outstanding principal if paid within the
first 1 - 3 year
 Current Activities
of
YOMA BANK

Eye Exam for children

Very important to ensure that the

child’s eyes are healthy
Have no vision problems that could
interfere with school performance and
potentially affect the child’s safety
On October 14th, as part of Yoma Bank’s
25th Anniversity 25 for 25 celebration
in partnership with PUN HLAING
SILOAM HOSPITALS
 Current Activities
of
YOMA BANK
Celebrating its 25th Anniversary and we
have been inspired by kindness to give
back 25 for 25 gives life to our gratitude

On Aug 30th, Yoma Bank partnerd with

Ocean Supercenter to supprise shoppers
at City Mall St. Jhon and Shwe Gone Dine
Ocean Supercenters
THANK YOU

GROUP NINE