Adebimpe Ihekuna

• • Management of 'Housing Solution Fund' to deliver optimal return on capital. Delivered an average of 35% huddle rate on capital deployed on specific projects.
  • Innovate and develop new real estate products to foster mortgage creation by partner banks.
  • Analyze financials, assess market conditions, and negotiate investment agreements to ensure that projects align with the fund's investment strategy.

Led the banks retail strategy and market repositioning, grew retail business by 900% in six months and subsequently 150% year on year.
• Pioneered and set up the Agric and export business, delivering 120% growth in a year.
• Revived Payment and revenue collection volume from N180bn yearly to average of N750bn yearly, yielding average fee income of N0.9bn
• Improved International Money Remittance business to deliver average $120m annually from $48m,
• Introduced private banking propositions, enabling the regions to increase deposit by 22% in few months.
• Human capital management – Skill sourcing, training and retention.
• Lead negotiation for business mandates in favor of the bank.
• Community and Government relationship management.
• Regulatory compliance
• Digitized consumer and SME products for digital penetration, reduced cost to serve and increased profitability.

• Develop and implement strategic product propositions targeting different segment of market and customer to achieve growth in the bank's retail banking business (Consumer, SMEs, Wholesale and specialized business such as Real estate)
• Planning, introducing and deploying growth strategy to drive retail growth to over N200bn loan portfolio balance in 5 years, NPL reduction from over 10% to less than 3% in Wholesale business, N1.2trn deposit growth in five years, from N500bn, dormant account reduction by 20% and increased customer acquisition by 45%, Year On year
• Setting product vision and strategy for lending, acquisition, digitization, sales, marketing, deposit mobilization, collection, delinquency management and workforce capability
• Leading and mentoring the product organization and harmonization across other African subsidiaries

• • B2B business banking model that targets key distributors, suppliers and contractors of large and emerging manufacturing companies across sectors. For example, Cement, Telecommunication, Food and beverages, Household equipment, Personal care, Oil and Gas, etc
  • Define and customize lending process per client based on dynamics and processes.
  • Ensuring quality risk asset and collection. Reduced inherited NPL of 16% down to less than 3%.
  • Continuous market expansion to drive growth. Expanded wholesale banking market scope beyond Cement industry to additional three other sectors, resulting to portfolio growth of over 300%

• Responsible for designing lending and liability products targeting consumer and small businesses (SMEs)
• Driving asset and liability creation for balanced funding mix, liquidity management and profitability.
• Identify market opportunities and deploy guidelines, enabling the 200 plus branches to grow revenue and meet targets.
• Win institutional mandates for consummation by branches, delivering over 30% in loan book across branches.
• Track and explore emerging opportunities occasioned by new regulations, Government initiatives, and lead the bank to explore and maximize the opportunities
• Budget setting, cascading to branches, track performance by branch by account officer.
• Worked closely with and supervise the product managers, Senior Sales Managers and the Sales Officers/Relationship Managers in implementing Retail Banking business.
• Monitor segment performance against stated targets, and is responsible for the financial performance and the P&L of the function.
• Develop in-depth industry-wide and product-wide knowledge related to the designated strategic client Segment.