First Allied is a leading Savings & Loans Company in Ghana, with a mission to provide convenient access to efficient innovative

and responsive financial services to the Small and Micro Enterprise Sector on a sustaina le asis for the mutual enefit of all sta!eholders" #ith $% years of providing e&cellent an!ing services, First Allied has een consistent in uilding a differentiating rand through its superior services and irresisti le customer support" As a customer'centered institution, First Allied cherishes the service of providing road range of accessi le financial solutions to its customers in a timely manner and at optimum convenience" (hrough our networ! of )$ ranches across the country, First Allied provides well' customi*ed products and services targeted at meeting personal financial needs and growth of usinesses" #hat is remar!a le a out First Allied is that+ First Allied offers the LOWEST interest in the Savings & Loans sector First Allied DOES NOT CHARGE any type of C.O.T on any of its accounts , No Maintenance fee, No Bank Charges, No Ledger Fee, No Service Charges First Allied does SATURDAY BANKING First Allied is a LISTENING institution , Every customer is given the attention to e understood Vision (o create an e&cellent institution and e the leader in the provision of -uality financial services to the micro and small enterprise sector in Ghana" Mission (o offer convenient access to efficient, innovative and responsive financial services to the micro and small'scale entrepreneur on a sustaina le asis for the mutual enefit of all sta!eholders" First Allied has over the years set the pace and continues to display product innovations and unparalleled competence and s!ill in the delivery of services on a timely asis to its customers" .t is a listening financial institution and goes the e&tra mile to customi*e products and services suita le to addressing the usiness and financial needs of its customers" History First Allied was licensed y the /an! of Ghana under 012C Law 3)4 5$6637 to provide an!ing services" .t started operations on )8th Septem er, $66%" First Allied egan from Adum, 9umasi where its :ead ;ffice is situated" Set'up to accept deposits from the pu lic and provide loans<credit services to usinesses and consumers, First Allied has grown steadily over the years from a single ranch in $66% to over )= ranches in almost all the economic and commercial centres of the country" (he institution has earned its current envia le status as a leading Savings and Loans company in Ghana through its relentless pursuit of customer'centered services and the continuous introduction of innovative products which have ecome lifelines to many SMEs and individuals who hitherto were marginali*ed y the formal financial system" First Allied has created financial inclusion for these marginali*ed SMEs through the introduction of the S>S> concept into mainstream an!ing" (his innovation caught the attention of the #orld /an! which conferred on First Allied the Most .nnovative 0roduct Award in )==)" /esides this, the institution has since its inception won many other awards and recognition from several prestigious institutions for its e&cellent costumer'centered products and services"

F>(>?E G;ALS #ith the informal sector eing the larger sector of the economy of Ghana, financial institutions cannot afford to ignore the strategic opportunities of sourcing and financing usinesses in this sector which is constantly tilting towards growth" (hus Management is focused at creating a financial system that meets the e&pectation of SMEs and Micro usinesses y providing them access to an!ing products and services that promote financing inclusion and add value to the growth of their usinesses" (hus we aspire to e the mar!et leader in the provision of financial services in the industry through+ @ Mar !t "r!s!n#! (o e a household name in the financial industry with ranches nationwide across the $= regions of Ghana to promote easy access to credit for the growth of SMEs and micro usinesses most of whom have een financially marginali*ed @ "ro$%#t & S!r'i#!s (o e the first and most preferred financial institution through the provision of convenient and innovative an!ing products and services tailored to meet the specific needs of our cherished customers" @ C%sto(!r S!r'i#! (o improve customer service delivery y resourcing all our ranches with state of the art technologies to ena le our well trained and motivated staff go the e&tra mile to e&ceed customer e&pectation for total customer satisfaction y provide timely and convenient services at their eacon call" 1ot withstanding the significant ris!s and regulatory restrictions posing as challenges in the sector, First Allied has een a le to craft effective ut fle&i le systems and procedure to mitigate these challenges, which afford the institution the a ility to advance re-uisite loans and other financial support service to usinesses in this sector for their continuous growth and e&pansion"

OBJECTIVES In keeping with our vision & mission First Allied seeks to a hieve a strong market!led institution "# working together with stakeholders to maintain its market leadership and de$ine the $uture in terms o$ reating long!term value that provides strong $inan ial returns $or all parties involved in the pro ess% In respe t o$ this First Allied seeks to attain the $ollowing& ' To work loser with ustomers to reate ustomi(ed $inan ial solutions on a onvenient and sustaina"le "asis to generate growth o$ their "usinesses through the satis$a tion o$ their $inan ial needs) ' To ontinuall# dire t investment to the highest potential areas a ross markets in the most e$$i ient and e$$e tive wa# to ma*imi(e long!term ash $low+ reate value!addition and improvement on pro$it $or e*pansion and "etter servi es) ' To grow the First Allied "rand and leverage this to apture other growth opportunities in the most $inan iall# e* luded se tor o$ our e onom#) ' To promote deeper $inan ial in lusion "# the ontinuous reation o$ innovative s#stems that ena"les the $inan iall# marginali(ed "usinesses to have a ess to tailored!made solutions to the $inan ial needs o$ their "usinesses) To improve on our ustomer turn!around time "# deplo#ing up!to!date te hnolog# and also in rease pro*imit# to ,ualit# "anking servi e through "ran h e*pansion%

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Core Values

First Allied "elieves in its ustomers and re ogni(es them as ma-or stakeholders in its "usiness and is thus highl# ommitted to the pursuit o$ their utmost satis$a tion through& Excellence .e strive $or e* ellen e in produ t ,ualit#+ produ tivit#+ ustomer servi e and in all that we do% .e strive to "e the "anker o$ hoi e in ea h market we serve% Integrity. .e re ogni(e that our long!term su ess will "e "uilt upon trusting relationships with ea h other+ ustomers and

other stakeholders% So we will "e honest and $air to ea h other+ $orthright in our ommuni ations and trustworth# in our a tions% Human Resource. .e re ogni(e that our human resour e is our most important asset% There$ore we will& Emplo# the "est!,uali$ied persons+ train+ develop and hallenge them to deliver their "est) re ogni(e and $airl# reward their ontri"utions to the Institution% Democracy.

.e hold that reativit# an onl# "lossom in an environment whi h is $ree $rom intimidation and oppression% So we will& Create the ondu ive working environment to $oster reativit#+ parti ipation and a ounta"ilit# at all levels)

Ensure the $ree $low o$ in$ormation at all levels and en ourage the mindset that is willing to hallenge the status ,uo in pursuit o$ growth and ontinuous improvement o$ s#stems and pro esses% Judicious Use of Resources. .e will make optimum use o$ orporate resour es /in luding time0 to save ost in the long!term and enhan e pro$ita"ilit#% Corporate Responsibility. .e assume responsi"ilit# as a orporate iti(en and will "e a positive ontri"uting presen e in all our operating ommunities% Our "elie$ in these ore values is s#m"oli(ed "# our 1ogo and slogan whi h stipulate our readiness to o$$er our ustomers a golden and irresisti"le helping hand $or the growth o$ their "usinesses and the enhan ement o$ their livelihood $or our mutual "ene$it%

We lend a elping and!!

Customers & Market Focus

First Allied is $o used on nurturing a growing network o$ ustomers who $ind it easier to approa h us and a"le to rel# on our uni,ue produ ts and superior servi es to e*pand their "usinesses% Thus we "ring to the market a port$olio o$ more than 23 produ ts and servi es whi h o$$er timel# and ustomi(ed solutions to the "usiness and $inan ial needs o$ our ustomers and other $inan ial onsumers% Being a market!led institution and upholding ustomers as ore assets+ First Allied listens+ o"serves and learn $rom the market to improve upon its produ ts and servi es to sta# relevant to the "usiness strategies o$ our ustomers% This $o us ena"les us to understand and meet the diverse and ever! hanging "usiness trends and $inan ial needs o$ ustomers% Conse,uent to this ustomer!$o used tradition+ First Allied has "een a driver o$ innovation within the $inan ial se tor it

operates+ thus winning $or itsel$ 4The 5ost Innovative 6rodu t Award7 issued "# the .orld Bank /A$ri a 8evelopment Fa ilit#0% Our greatest strength has "een our a"ilit# to ondu t "usiness on a "road national s ale while maintaining ommunit# and market spe i$i approa h to serving and meeting the $inan ial needs o$ ustomers in the most vi"rant ommer ial se tor o$ our e onom#% 8o not shel$ #our "usiness ideas and strategies9 Approa h First Allied toda# $or a $riendl# "ut "usiness $o used dis ussion $or a timel# $inan ial solutions to #our "usiness needs%