Banque Nationale De Credit

What Banque Nationale De Credit does

Banque Nationale de Crédit (BNC) is a state-owned universal commercial bank headquartered at 103 angle Rues des Miracles et du Quai in Port-au-Prince, Haiti, and the third-largest bank in the Haitian banking system with 83 billion HTG in assets as of December 31, 2019. The bank serves approximately 500,000 individual, enterprise, MPME (micro, small and medium enterprise), professional, and public-sector customers through a network of 38–40 branches covering all 10 geographic departments of Haiti, complemented by a digital ecosystem that comprises the Ma BNC smartphone application, the Balans Pam USSD service (*244#) for feature phones, the LajanCash mobile wallet, BNCOnline web banking, and PRONAP-linked ATMs. BNC traces its institutional lineage to the 1880 Banque Nationale d'Haïti, was renamed Banque Nationale de la République d'Haïti (BNRH) in 1910, and was formally established as an independent commercial bank on August 17, 1979 following the BNRH split that simultaneously created the central bank (Banque de la République d'Haïti, BRH).

Name

Banque Nationale De Credit

Legal name

Banque Nationale de Crédit

Website

https://bnconline.com

Company type

Private

Founded year

1979

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

Banque Nationale de Crédit (BNC) is Haiti's third-largest state-owned commercial bank, serving approximately 500,000 individual, MPME, enterprise, and public-sector customers through 38–40 branches, mobile and USSD banking, and bancassurance products.

Ownership category

akta.pro rank

Headquarters

HQ city

Port-au-prince

HQ country

Haiti

Offices15 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Marketing or Sales, Technology or R&D, Supply Chain, Others

Revenue model

1. Interest Income: Traditional banking interest income from loan portfolio including mortgage loans, commercial loans, personal loans, vehicle loans, and MPME financing
2. Fee and Commission Income: Banking fees including account management, transactions, wire transfers (SWIFT), check issuance, card operations, and service charges
3. Insurance Products: Bancassurance products including vehicle insurance, life insurance, multi-risk insurance, and credit life insurance
4. Foreign Exchange: Currency exchange services with competitive rates for USD and other currencies

Pricing tiers

Go-to-market motion1 record

Distribution channels9 records

Marketing channels7 records

Core offering

Banque Nationale de Crédit (BNC) is a universal commercial bank that provides retail and corporate deposit accounts, consumer and commercial loans (housing, vehicle, microfinance, salary, energy), insurance products through its in-house bancassurance arm, payment cards, retirement savings, and digital banking channels (mobile app, USSD, web). It operates Haiti's largest physical branch network of 38-40 branches across all 10 geographic departments, complemented by mobile money (LajanCash), USSD (*244#), and SWIFT-connected international transfers, serving approximately 500,000 individuals, enterprises, professionals, and public-sector clients.

Product overview

Banque Nationale de Crédit (BNC) is a universal commercial bank offering a comprehensive portfolio of banking and insurance products across individual, business, and public sector segments. The core offering combines traditional banking services (accounts, deposits, loans) with digital channels (Ma BNC mobile app, LajanCash mobile wallet, Balans Pam USSD service, BNCOnline). The product architecture includes a digital-first approach with Ma BNC for smartphone banking and LajanCash for mobile wallet services, complemented by physical infrastructure of 38+ branches and ATM network. Specialized products target specific needs: KAY PA'M for housing, Procrédit for SME financing, Kredi-energie for solar/energy equipment, and KREDI 024 for quick credit. Insurance products are offered through BNC Assurance, including vehicle, home, life, and business coverage. The bank operates PRONAP-linked ATM network and SWIFT-connected international transfer services.

Differentiator

Problem solved

Functional benefit

Brands

• Procrédit: Micro, small and medium enterprise (MPME/MPME) financing program offering loans from 15,000 HTG to 5,000,000 HTG for acquisition, assembly, installation of production equipment, raw materials, and working capital. Duration 13–36 months.
• LajanCash
• Ma BNC
• Carte Prépayée Locale (CPPL)
• Kredi Energie
• KAY PA'M
• Balans Pam
• BNC Insurance (L'Assurance BNC)

Products and services

• LajanCash Mobile Wallet Mobile banking/e-wallet service enabling customers to use their cell phones as electronic money purses for storing, sending, and spending funds, including merchant payments, money transfers, salary disbursements, and bill payments. Targeted at unbanked and underbanked Haitian consumers and merchants.
• Ma BNC Mobile Application BNC smartphone application for iOS and Android allowing customers to manage accounts, view real-time balances, execute transactions, manage cards, request checks, browse multi-month transaction history, locate branches, and perform intra/extra-patrimony transfers. Targeted at individual and business account holders with smartphones.
• La Carte BNC (MasterCard) International MasterCard credit card usable domestically in Haiti and abroad, with monthly statements and eligibility for BNC promotional programs. Targeted at individual cardholders needing local and international payment capability.
• Carte Prépayée Locale (CPPL) Local prepaid card designed exclusively for use throughout Haitian territory, offering competitive pricing, immediate availability after recharge, instant transaction execution, fee-free withdrawals at BNC branches, and ATM/POS access via the PRONAP national payment processor. Targeted at unbanked Haitians needing a domestic electronic payment instrument.
• Procrédit (MPME Microcredit Program) Microfinance program for formal MPME in production, transformation, and service sectors, providing loans from 15,000 to 5,000,000 HTG for equipment acquisition, raw-material purchase, and working capital with 13-36 month repayment. Targeted at formal small businesses and entrepreneurs.
• KAY PA'M Housing Loan Long-term housing loan program for land acquisition, home construction, renovation, or home improvement, with financing up to 100% of project cost, repayment up to 30 years, and a fixed interest rate of 10% per annum for the first 10 years. Targeted at individuals and households needing primary-residence financing.
• Kredi-Energie Energy Loan Specialized credit product financing energy kits (generators, solar panels, inverters, batteries) for SMEs and individuals, covering up to 90% of acquisition cost over up to 36 months. Targeted at businesses and individuals needing energy autonomy and renewable-energy investment.
• KREDI 024 Quick Credit Quick consumer credit allowing BNC savings account holders to obtain a loan equal to their savings balance within 24 hours, with repayment terms of 6-36 months and an optional 30-day interest-free grace period. Targeted at existing savers needing fast liquidity.
• Balans Pam USSD Service USSD-based balance-check service accessible via *244# from any phone, enabling customers to verify account balance, last five transactions, card balance, and last five card transactions without a smartphone or internet. Targeted at basic-phone and feature-phone users and unbanked segments.
• Plan Epargne Retraite (PER) Retirement Savings Retirement savings plan offering competitive interest rates and tax advantages, available to individuals and enterprises. Targeted at long-term retirement-planning savers and corporate pension programs.
• Compte Epargne (Savings Account) Individual savings account offering monthly interest payments, available in gourdes and USD, with no service fees, a 2,000 HTG / 20 USD minimum opening, and 24/7 online access. Targeted at individual savers across all BNC customer segments.
• Compte Courant Particulier (Individual Current Account) Individual current account supporting check transactions and card payments, with optional debit-card capability. Targeted at individuals needing transactional banking for everyday payments.
• Compte Epargne Chèque (Combined Checking-Savings Account) Hybrid savings-and-checking account with interest earnings and check-writing capability, including 10 free checks per month and a 5,000 HTG / 250 USD minimum. Targeted at individuals wanting to earn interest while retaining check access.
• Compte Courant Entreprise (Business Current Account) Corporate current account offering unlimited check issuance for business transactions. Targeted at enterprises, professionals, and associations needing high-volume transactional banking.
• Prêt Commercial (Commercial Loan) Commercial lending for real-estate investment, machinery, and equipment with medium- and long-term amortization in HTG or USD. Targeted at established Haitian businesses financing productive assets.
• Prêt Véhicule Commercial (Commercial Vehicle Loan) Loan for commercial vehicle and equipment acquisition with repayment up to 36 months. Targeted at businesses financing transport fleets or commercial vehicles.
• Prêt au Logement Commercial (Commercial Mortgage) Commercial real-estate mortgage financing land, buildings, apartments, or industrial facilities with repayment up to 15 years. Targeted at enterprises acquiring or developing commercial property.
• Transport de Fonds (Armored Cash Transport) Secure armored-vehicle cash-transport service performing fund transfers 2-3 times per week for businesses. Targeted at enterprises requiring secure cash-in-transit services.
• Prêt Véhicule Particulier (Personal Vehicle Loan) Personal vehicle loan financing up to 70% of vehicle cost, available in USD, with repayment up to 48 months at market interest rates. Targeted at individuals financing personal vehicle purchases.
• Prêt au Logement Particulier (Personal Mortgage) Personal mortgage financing land acquisition, home construction, renovation, or expansion for individuals. Targeted at households financing primary residence.
• ATM Network (Cash Withdrawal) BNC ATM network allowing cash withdrawals with PIN, balance consultation, and 24/7 service in gourdes across branches nationwide. Targeted at any BNC cardholder.
• Dépôt à Terme (DAT) - Time Deposit Fixed-term deposit offering competitive interest rates for 3-, 6-, or 12-month tenors in HTG or USD, with a 50,000 HTG / 2,000 USD minimum opening and capability to be pledged as loan collateral. Targeted at savers seeking higher-yield term instruments.
• Coffret de Sureté (Safe Deposit Box) Rental of safe-deposit boxes for secure storage of valuable documents and items, with exclusive tenant access. Targeted at individuals and businesses needing physical safe-custody.
• Kredi Pam (Public Sector Salary Loan) Consumer credit for public-sector employees offering amounts of 6 months' salary (minimum 60,000 HTG, maximum 500,000 HTG) at a 13% variable interest rate over 18 months, with no guarantee required. Targeted at civil servants with at least 1 year of active service.
• Service de Paie (Payroll Service) Free payroll preparation service for businesses managing monthly or bi-monthly employee payments. Targeted at employers seeking outsourced payroll.
• BNC Assurance (Bancassurance Products) BNC's in-house bancassurance suite including Assurance Multirisques Entreprises, Assurance Multirisques Habitation, Assurance Véhicule, Assurance Vie Temporaire, Assurance-vie 024, Assurance Crédit-Vie Collectif, and Assurance Tous Risques Chantier. Haiti's first bank-insurer offering products for individuals, enterprises, and loan-portfolio coverage.
• BNCOnline (Banque en Ligne) Web-based BNC online banking platform enabling account management, fund transfers, statement viewing, and check ordering 24/7. Targeted at individual and business account holders with internet access.
• Banque Itinérante (Mobile Banking Unit) Mobile bank-on-wheels service reaching remote areas of Haiti, especially the Southern department, to promote financial inclusion where physical branches are not present. Targeted at remote and underbanked communities.

Quantifiable outcome

• 500,000 customers served across Haiti
• +3 more outcomes

Named customers5 records

Segments6 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration6 records

Feature6 records

Partnerships

Four partnerships are on record, tiered core.

• Bank of New York MelloncoreTechnology or IntegrationCorrespondent banking partner for USD transactions. BNC account: 803-3143-983 at Bank of New York Mellon, 101 Barclay Street 19th floor South, New York, NY 10286. ABA: 021000018, SWIFT: IRVTUS3N
• CitibankcoreTechnology or IntegrationCorrespondent banking partner for international transactions and banking relationships
• PRONAP (Processeur National de Paiement)coreTechnology or IntegrationNational Payment Processor connecting BNC prepaid cards to the national ATM network for seamless domestic transactions
• BRH (Banque de la République d'Haïti)coreOthersCentral bank regulator providing monetary policy guidance, banking supervision, and financial sector regulations including the 2012 banking law and cooperative credit supervision

Scale indicators11 records

Recent moves7 records

Expansion highlights6 records

Emerging players

• Development Bank of Jamaica: State-linked development lender serving SME and housing finance. Comparable to BNC’s state-backed MPME and housing (KAY PA'M, Kredi Energie, Procrédit) financing mandate.

Broad incumbents

• Scotiabank Haiti: Branch of a global commercial bank operating in Haiti. Overlaps with BNC in deposits, cards, corporate banking, and SWIFT services, but is part of a much larger international franchise.
• Banque Nationale de Paris (BNP) Haiti: Subsidiary of a global bank offering commercial and corporate banking in Haiti. Comparable to BNC in core deposits/lending but backed by a much larger international parent.
• Citibank Haiti (CIBC Caribbean presence): Multinational bank with operations across the Caribbean including Haiti. Overlaps with BNC in correspondent banking, corporate services, and international payments, but competes in a much broader portfolio of products.

Regional players

• FirstCaribbean International Bank (CIBC Caribbean): Regional Caribbean commercial bank serving multiple territories. Comparable to BNC in full-service retail and corporate banking, though geographically broader and not focused on Haiti.
• National Commercial Bank (Jamaica): Caribbean universal commercial bank with full retail/corporate/digital offerings and bancassurance. Most relevant regional comparable to BNC in terms of product scope, digital channels, and bancassurance franchise.

Direct peers

• Capital Bank Haiti: Haitian commercial bank focused on retail and SME banking. Direct competitor for deposits, credit, and digital services offered by BNC.
• Banque de l'Union Haïtienne (BUH): One of Haiti's long-standing private commercial banks offering a full retail and corporate product set. Closely comparable to BNC in customer segments, geographic coverage, and product breadth.
• Unibank Haiti: Haitian universal commercial bank providing checking, savings, loans, and digital channels. Competes head-to-head with BNC for individuals, enterprises, and MPME customers across Haiti.
• Sogebank: Haiti's largest private commercial bank offering deposits, loans, cards, and digital banking. Direct competitor to BNC in the same Haitian retail and corporate banking market, with overlapping product suites and branch networks.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• Xx.com/HaitiBnc
• Facebookfacebook.com/HaitiBnc
• LinkedInlinkedin.com/company/banque-nationale-de-credit

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Banque Nationale De Credit