At Calabar Microfinance Bank Limited, We are poised to impact lives by empowering our economically active Nigerians. We offer to our customers the opportunity to break off from the vicious cycle of need and progress to value cycle of growth. Accordingly, our range of products and services are unique and are designed to be relevant to entrepreneurs. They cut across CMF Micro Save, CMF Xmas Account, CMF Rent Alleviation Scheme, CMF Asset Acquisition Scheme, CMF Festival Account, CMF trade financings, CMF Funds Management, CMF Personal Credit and Loans, Overdraft etc.

Calabar Microfinance Bank’s products and services are “need driven” customized to meet specific needs of its customers and it’s include the following:

Retail Banking:

On the retail aspect of the Banks business CMF Bank main service concentration is on the use of deposit products for liability generation. The Bank’s lending strategy is directed at Civil and Public Servants, Corporate organizations, Micro clients with group liability base, private enterprises to minimize the center party Risk and default.

As a result of this approach, the Banks Credit portfolio has about the best Asset quality within the Industry.

The Banks non-performing loans to total loan ratio has always been less than the industry average for years now, even through the thick of financial crises that plagued the Microfinance sub-sector in Nigeria in 2010.

The Bank’s clients account base which is well in excess of 30,000 comprises of;

- Civil and Public Servant s
- Commodities and general Commerce
- Micro clients
- Small Medium scale business
- Private enterprises

Deposit Liability Product

• Current Account
• Savings Account
• CMF Micro Save
• Xmas Account
• Festival Accounts.

Credit Products

• Term Loan
• Overdraft
• Microfinance group lending
• Drawing against uncleared Effects
• Microfinance Individual Lending

Treasury Products

• Fixed Deposit
• Call Deposit
• Target Savings Deposit
• Treasury Bills
• Cash Management Services

Liquidity/Cash Management Products

• Collections
• Cash delivery/Pick-up services

Funds Transfer Products

• Draft Issuance Services
• Bills payable
• Direct Debit Order/Standing Instruction

Investment Banking

• Fund Management
• Product Finance
• Loan Syndication
• Financial/Business Advisory services

Contingent Liabilities/Off-Balance Sheet Financing

• Performance Bond
• Advance Payment guarantee
• Bank guarantee

L.P.O Financing