Description of each company’s corporate unit functions within BFA's organisational framework, with a breakdown between the business, operational support, accounting and control areas.
BOARD OF DIRECTORS’ SUPPORT FUNCTIONS AND STRUCTURES
COMPANY SECRETARY’S OFFICE
Custódio Moreira João
The Company Secretary is entrusted with ensuring sound corporate governance, with particular emphasis on the proper functioning of the governing bodies and the timely communication of their resolutions. The Company Secretary also provides support to these bodies so that their members have access to all the information necessary to make well-informed decisions, while also acting as secretary to the governing bodies’ meetings, in strict compliance with the applicable legal and regulatory framework.
BOARD OF DIRECTORS' OFFICE
Ana Cristina Macedo
The Board of Directors' Office (BDO) is entrusted with the core mission of providing strategic support and advice to the members of the Board of Directors with respect to BFA’s planning, management, and control, as well as to monitor and report on the implementation of the organisation’s strategic plan activities. In addition, it is also incumbent upon the BDO to represent the Bank institutionally before the media, public and private organisations, both nationally and internationally, including developing and strengthening an extensive business network as well as advancing institutional relations with these organisations.
BUSINESS AREAS
BFA’s corporate strategy for its business areas is largely underpinned by its retail network segmentation, designed and organised from a customer-oriented standpoint. This customer segmentation supports the outlined business strategy, aiming to boost the creation, development and provision of financial products and services with tailor-made features for each customer segment. To this end, BFA has established separate, dedicated and specialised business networks for each of the commercial segments, namely:
BUSINESS UNITS
LARGE COMPANIES DEPARTMENT
Euclides Firmino Capitamolo
The Large Companies Department is entrusted with managing business operations and lending activities among customers operating in the Large Companies segment. It provides a bespoke customer service within the scope of their business relationship with the Bank in full alignment with BFA's corporate strategy and business goals.
MEDIUM-SIZED COMPANIES DEPARTMENT
Gualter Alexandre Kiffen
The Medium-Sized Companies Department is entrusted with managing business operations and lending activities among customers operating in the Medium-Sized Companies segment. It provides a bespoke customer service within the scope of their business relationship with the Bank in full alignment with BFA's corporate strategy and business goals.
OIL & GAS AND INSTITUTIONAL DEPARTMENT
Abigail Atayde Teixeira
The Oil & Gas and Institutional Department is tasked with managing business operations and lending activities among customers operating in the Oil & Gas and Institutional segments. It provides a tailor-made customer service within the scope of their business relationship with the Bank, in full alignment with BFA's corporate strategy and business goals.
BUSINESS AND RETAIL DEPARTMENT (NORTHERN REGION)
Valdemiro Mateus Domingos
The Business and Retail Department (Northern Region) is entrusted with managing business operations and lending activities among Retail, Micro and Small Business Customers in Luanda (Northern Region), South Luanda, North Luanda, Cabinda, North Kwanza, Moxico, Malange, Zaire, and Uíge areas, in full alignment with BFA's corporate strategy and business goals.
BUSINESS AND RETAIL DEPARTMENT (SOUTHERN REGION)
Anselmo Nuno Neves
The Business and Retail Department (Southern Region) is entrusted with managing business operations and lending activities among Retail, Micro and Small Business Customers in Luanda (Southern Region), Benguela, Bengo, Bié, Cuando Cubango, South Cuanza, Cunene, Huambo, Huíla, and Namibe areas, in full alignment with BFA's corporate strategy and business goals.
INVESTMENT CENTRES DEPARTMENT
Dicelma Teixeira Cunha
The Investment Centres Department is entrusted with managing business operations among high-net-worth retail customers (‘Affluent Customers’), ensuring a tailored customer service, and the provision of forward-looking, exclusive, and premium financial products and services.
PRIVATE BANKING DEPARTMENT
Antónia Conceição Silva
The Private Banking Department is entrusted with managing business operations among retail customers within the Private Banking segment, ensuring a bespoke customer service, and the provision of forward-looking, exclusive, and premium financial products and services.
AGREEMENTS & PARTNERSHIPS MANAGEMENT DEPARTMENT
Maude Dias Silva
The Agreements & Partnerships Management Department is tasked with ensuring the negotiation and signing of agreements with public and private institutions operating in the domestic market, either directly or in collaboration with the commercial networks of the corporate and retail banking divisions, in full alignment with BFA's corporate strategy and business goals.
AGRIBUSINESS DEPARTMENT
José Carlos Costa
The Agribusiness Department oversees the business and technical operations among domestic Agribusiness customers in Angola, specifically agriculture, livestock, fisheries, forestry and other associated industries. Hence, it plays a leading role in the diversification and revitalisation process of the Angolan economy, in tune with Angola's Government national development plan, as well as in full alignment with BFA's business goals.
CREDIT BUSINESS UNITS
RETAIL CREDIT RISK DEPARTMENT
(to be appointed)
The Retail Credit Risk Department performs credit risk analysis, issues opinions and approves credit operations within the Retail segment, in accordance with applicable laws, regulations and internal policies. It is also tasked with engaging in individual credit impairment assessment processes and for monitoring established credit risk alerts.
CORPORATE, INSTITUTIONAL AND PROJECT CREDIT RISK DEPARTMENT
Katiavala Carvalho Silva
The Corporate, Institutional and Project Credit Risk Department performs credit risk analyses, issues opinions and makes decisions on credit operations within the relevant segments, in compliance with applicable legislation, regulations and internal rules. It is also tasked with participating in individual credit impairment assessment processes and monitoring established credit risk alerts.
CREDIT MANAGEMENT DEPARTMENT
Sandra Manuelina Machado
The Credit Management Department is responsible for managing and coordinating the different stages of the credit granting process and owns the end-to-end process, liaising with the various divisions involved in the credit approval process to ensure the following: 1) standardisation of procedures, as well as the ongoing improvement of the credit process’s efficiency and the quality of end-customer service; 2) the monitoring and follow-up of the credit and collateral management processes and all related documentation.
CREDIT MONITORING AND RECOVERY DEPARTMENT
Eduardo Mavova Mateus
The Credit Monitoring and Recovery Department is tasked with ensuring that overdue loans are properly monitored, while working closely with BFA's business network to recover them. Moreover, it must take the necessary actions to recover overdue loans, including drawing up restructuring proposals and negotiating directly with defaulting customers. It must help reduce exposure levels for defaulting customers by implementing appropriate recovery measures and/or strengthening collateral.
FINANCIAL ACTIVITY BUSINESS UNITS
INTERNATIONAL AND FINANCE DEPARTMENT
Márcio Piedade Silva
The International & Finance Department is entrusted with the following key functions: 1) Managing the Bank’s assets and liabilities, taking into account the maturities, currency-denominated assets in relation to its liabilities and associated risks; 2) Ensuring compliance with the rules of sound and prudent management, diversification, and the banking supervision regulations in force regarding the activity of the International & Finance Department, particularly compliance with Mandatory Reserves and Limits on Foreign Exchange Position and Exposure; 3) Managing BFA’s Treasury, both in local currency and foreign currency; fostering close relationships with the National Bank of Angola (BNA), the Ministry of Finance, the Capital Markets Commission (CMC), and BODIVA; 4) trading in foreign exchange, securities, and monetary instruments with authorised counterparties; 5) setting BFA’s pricing levels and proposing necessary adjustments, taking into consideration market developments and competition; 6) quoting market prices for securities in which BFA is designated as a Market Maker; 7) managing relationships and promoting business with international banks and institutional customers; 8) Ensuring the effective segregation of functions between the Back-Office, Middle-Office areas, and the Front-Office areas (Markets, Customers and International).
OPERATIONAL AND ACCOUNTING SUPPORT UNITS
Similar to the approach taken for its business areas, the strategy adopted by BFA for its operational and accounting support functions is also rooted in the implementation of the Bank’s comprehensive corporate strategy, with the necessary adjustments, and is broadly structured along the following key principles:
MARKETING, ORGANISATION AND INFORMATION SYSTEMS UNITS
COMMUNICATIONS, BRANDING AND INVESTOR RELATIONS DEPARTMENT
Gisela Solange Oliveira
The Communications, Branding and Investor Relations Department oversees and coordinates all commercial and institutional communication carried out by BFA in line with the Bank’s comprehensive business strategy and goals, ensuring its effective implementation and the execution of the necessary activities to achieve these objectives, in compliance with applicable laws, regulations and standards.
MARKETING DEPARTMENT
Filipe Duarte Silvério
The Marketing Department ensures that BFA maintains a competitive product portfolio, aligned with the Bank's comprehensive business strategy and goals, capable of addressing and meeting the needs of different customer segments, while ensuring full alignment with BFA's commercial structures, guaranteeing that the necessary actions are taken to implement its business strategies and goals, in accordance with applicable laws, regulations and standards.
EFFICIENCY, QUALITY AND INNOVATION DEPARTMENT
Sílvia Cristina Peixinho
The Efficiency, Quality and Innovation Department is entrusted with the duties of coordinating the organisation and quality functions at BFA, specifically: 1) analysing and implementing organisational models and solutions to ensure an ongoing improvement process in terms of quality, efficiency and effectiveness; 2) managing the process of assessment, review, approval and publication of the Bank’s regulatory content, while guaranteeing the reliability, consistency and up-to-date nature of its data records across the Bank’s internal communication channels; 3) managing the Bank’s Process Catalogue, ensuring the effective mapping, standardisation and harmonisation of BFA's business and support processes implemented; 4) developing and implementing measures, procedures, working methods and associated regulations, with the aim of improving the quality, rationalisation, effectiveness and efficiency of operational and business processes.
INFORMATION SYSTEMS DEPARTMENT
Hélder Eugénio Muondo
The Information Systems Department is tasked with overseeing and managing BFA's IT systems and telecommunications infrastructure, while assessing its best options in terms of banking software applications. This includes weighing up the pros and cons of in-house development, outsourcing, engaging expertise consultancy services, and the procurement and configuration of off-the-shelf software packages; implement measures aimed at enhancing the robustness, security and user-friendliness (usability) of the technological environment supporting BFA’s operational activities.
BACK-OFFICE UNITS
PAYMENT METHODS DEPARTMENT
António Domingos Amaral
The Payment Methods Department is responsible for the following duties: 1) ensuring the provision of a high-quality service in the processing of payment methods transactions, with the aim of providing efficient and appropriate responses to business requirements, and a service level that meets customers’ needs; 2) to actively drive the search for solutions that enable greater effectiveness and efficiency in services, mitigate operational risk, and enhance customer service quality and turnaround times; 3) to advance the implementation of appropriate information and control mechanisms, particularly regarding operational risk. 4) manage all complaints relating to Banking Cards, POS terminals, ATMs, Domestic Transfers, Payment Processing and Settlements.
CROSS-BORDER OPERATIONS DEPARTMENT
Engrácia Manuel Machado
The Cross-Border Operations Department is entrusted with ensuring a high-quality service in the processing and monitoring of cross-border transactions, with the aim of providing efficient and appropriate services to meet business requirements; to provide technical support on operational matters to BFA’s departments and/or business units upon request; to advance, within the scope of procedural streamlining, the ongoing search for solutions that enable greater efficiency and faster execution of operations, and the implementation of appropriate information and control mechanisms, particularly with regard to operational risk.
TREASURY OPERATIONS DEPARTMENT
Joel Silva Cunha
The Treasury Operations Department manages the execution and monitoring of processes and operations related to cash and treasury assets, namely: 1) executing and monitoring tasks related to cash collections and replenishments to and from BFA's Commercial Network, as well as cash withdrawals and deposits with the National Bank of Angola (BNA), BNA Provincial Branches and their Custodian Banks; 2) carrying out and monitoring tasks related to the processing of cash received from customers, and the storage and replenishment of cash in the vault; 3) overseeing and ensuring the operation and replenishment of the ATM network under the responsibility of the Central Treasury;
PROCESSING AND CONTROL OPERATIONS DEPARTMENT
Walter Braz Silva
The Processing and Control Operations Department is entrusted with the following key functions: 1) To analyse and follow up on loan application processes in accordance with BFA’s General Credit Regulations and Credit Policy, ensuring their processing as well as the registration and control of received collateral; 2) Validating and monitoring the processes for opening and amending customer and account details, as well as the subscription, amendment and cancellation of products included in BFA's offering, namely BFA Net and BFA SMS, while ensuring compliance with applicable service level agreements; and 3) Ensuring the payment of invoices to BFA’s suppliers or service providers, as well as to personnel.
CORPORATE HEADQUARTERS UNITS
FACILITIES AND PROPERTY DEPARTMENT
Daniel Álvaro Coelho
The Facilities and Property Department oversees the provision of services, administration and control of processes related to facilities and property management, security, hygiene and cleaning, vehicle fleet, transportation, cargo, dispatch, and environmental policies, in alignment with BFA’s corporate strategy and goals. It guarantees the implementation of this strategy and the execution of the necessary actions required to achieve them, in compliance with applicable laws, regulations and standards.
PROCUREMENT AND SOURCING DEPARTMENT
Ana Karina Afonso
The Procurement and Sourcing Department is tasked with setting BFA's procurement and sourcing strategies, as well as its supplier selection and assessment policies. It is also entrusted with managing the procurement and sourcing of goods and services, including those provided through outsourcing.
HUMAN CAPITAL DEPARTMENT
Gladys Josefina Dinis
The Human Capital Department oversees the coordination and management of all human capital-related activities, from the recruitment process through to an employee’s retirement or resignation, in alignment with BFA’s corporate strategy.
LEGAL DEPARTMENT
(Head to be appointed)
The Legal Department provides strategic legal support and guidance to BFA’s legal processes, in full alignment with the Bank's corporate strategy and business goals, while ensuring their implementation and the execution of the necessary actions to achieve them, in accordance with applicable laws, regulations and standards.
ACCOUNTING AND PLANNING DEPARTMENT
Sara Isabel Rocha
The Accounting and Planning Department is entrusted with ensuring full compliance of BFA’s accounting and tax-related commitments, as well as overseeing planning and budgeting, budgetary control and regulatory reporting.
SUSTAINABILITY OFFICE
Denise Sahali Pinheiro
The Sustainability Office is tasked with the key role of effectively developing and implementing BFA's sustainability initiatives. Its primary function is to monitor and implement the sustainability action plan, while ensuring that the Bank complies with national and international best corporate practices within the scope of its banking operations.
EASE OFFICE
Fernando Filipe Romero
The EASE Office primary role is to ensure the implementation of the scheduled projects under the 2024–2026 Strategic Plan, entitled EASE.
BFA ACADEMY
(Head to be appointed)
BFA Academy’s primary mission is to advance the development of BFA employees’ professional skills through training activities.
CONTROL AREAS
Within the scope of BFA’s business strategy implementation across the control areas, the following activities are ongoing:
AUDIT AND INSPECTION DEPARTMENT
Irene Vicente Miguel
The Audit and Inspection Department is entrusted with the mission of conducting independent and objective assessments aimed at adding value to BFA, thereby helping the financial institution to achieve its strategic and operational goals. To this end, it employs a systematic approach to assess and improve the effectiveness of governance, risk management and internal control processes, in alignment with BFA's corporate strategy and business goals. The Internal Audit function may rely on outsourced entities, while remaining responsible for coordinating and supervising the quality of their work. Internal Audit activities are conducted in accordance with the principles and rules set out in its operating regulations, including the Code of Conduct and the Internal Audit Handbook. This function adheres to the mandatory elements of the International Professional Practices Framework (IPPF) of IIA – Institute of Internal Auditors.
The scope of the Internal Audit function covers all BFA activities, including outsourced operations, and involves assessing the suitability of the internal control system in relation to associated operational risks. During its inspection activities, the Audit and Inspection Department monitors compliance with regulations, standards and procedures, highlighting irregular or fraudulent situations and risks, particularly those related to internal fraud.
COMPLIANCE DEPARTMENT
Liana Marques Santos
The Compliance Department's primary mission is to proactively safeguard and provide the BANK and its team members with the necessary resources to address Anti-Money Laundering, Counter Financing of Terrorism and the Proliferation of Weapons of Mass destruction (AML/CFT/PWMD) issues. Moreover, it must also ensure regulatory compliance at all levels, in accordance with the legal framework governing the compliance function, with the aim of preventing and mitigating the adverse impact of any sanctions that may be imposed, including reputational damage to the financial institution.
RISK MANAGEMENT DEPARTMENT
Manuel Nzuzi Café Bamba
The Risk Management Department’s core mission is to oversee the financial institution’s risk management framework, in full alignment with BFA’s corporate strategy and business goals. It ensures the effective implementation of risk management policies and the execution of the necessary measures to achieve the Bank's comprehensive goals, in compliance with all applicable laws, regulations and standards.
INFORMATION SECURITY OFFICE
Fábio Catão Fernandes
The Information Security Office's primary role is to ensure compliance with information security guidelines, processes and controls, in full alignment with applicable standards, legal requirements and BFA’s corporate strategic goals.
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