ICB - INVESTMENT BUSINESS PLAN
Creating a business investment plan with a bank involves leveraging banking services, such as fixed deposits, savings accounts or investment-linked accounts, to grow your funds. Here's a step-by-step approach to creating an investment plan
About International Commercial Bank Burundi
Step 1: Define Your Investment Goals
Step 3: Explore Banking Investment Options
Step 2: Evaluate Your Initial Deposit
Purpose: Determine why you're investing (e.g., growing business capital, saving for expansion, or earning passive income).
Timeframe: Decide whether your investment will be short-term (1–2 years), medium-term (3–5 years) or long-term (5+ years).
Step 2: Evaluate Your Initial Deposit
Step 3: Explore Banking Investment Options
Step 2: Evaluate Your Initial Deposit
- Determine the amount you’re willing to invest or deposit with the bank.
- Assess whether this deposit will serve as:
- Savings for growth: For use in mutual funds, bonds or bank investment schemes.
- Investment capital: For use in mutual funds, bonds or bank investment schemes.
Step 3: Explore Banking Investment Options
Step 3: Explore Banking Investment Options
Step 3: Explore Banking Investment Options
Banks often provide a variety of investment options, such as:
- Fixed Deposits (FDs): Guaranteed returns at fixed interest rates.
- Suitable for low-risk investors.
- Offers fixed returns over a specific period.
- Savings Accounts with High Interest: Banks may offer interest-bearing accounts for better liquidity and mod
Banks often provide a variety of investment options, such as:
- Fixed Deposits (FDs): Guaranteed returns at fixed interest rates.
- Suitable for low-risk investors.
- Offers fixed returns over a specific period.
- Savings Accounts with High Interest: Banks may offer interest-bearing accounts for better liquidity and moderate returns.
- Investment Products:
- Mutual Funds: Bank-partnered mutual fund investments.
- Bonds or Securities: Treasury bonds or other securities through the bank.
- Insurance-linked Investments: Dual-purpose plans combining savings and insurance.
- Business Loans or Credit Lines: Some banks offer investment schemes with credit lines for business expansion.
Step 4: Create an Investment Plan
Step 5: Open the Investment Account
Step 5: Open the Investment Account
- Choose the Product:
- Match your goals (e.g., liquidity, long-term returns) with the bank's products.
- Set Investment Duration:
- For FDs, select a suitable tenure (e.g., 1 year, 3 years, or more).
- Diversify Investments:
- Spread investments across multiple products to balance risk and return.
- Set a Withdrawal or Reinvestme
- Choose the Product:
- Match your goals (e.g., liquidity, long-term returns) with the bank's products.
- Set Investment Duration:
- For FDs, select a suitable tenure (e.g., 1 year, 3 years, or more).
- Diversify Investments:
- Spread investments across multiple products to balance risk and return.
- Set a Withdrawal or Reinvestment Strategy:
- Decide whether to withdraw returns periodically or reinvest them for compounding.
Step 5: Open the Investment Account
Step 5: Open the Investment Account
Step 5: Open the Investment Account
- Visit the bank or website www.icbburundi.com and discuss your requirements with an investment advisor.
- Submit the required documents, such as ID proof, business details and proof of funds.
- Submit the required documents, such as ID proof, business details and proof of funds.
Step 6: Monitor and Adjust
Step 5: Open the Investment Account
Step 6: Monitor and Adjust
- Regularly review your investments and returns.
- Modify or reinvest based on changing business needs or market conditions.
Example Plan
Initial Deposit: Minimum USD 280,000
Maximum –Unlimited Amount USD
Allocation:
- USD 280,000 in a 1-year fixed deposit at 10-15% annual profit.
- Unlimited amount USD in 5 years fixed deposit at 15-20% annual profit.
- USD 140000000 in a mutual fund linked with the bank for higher growth potential.
GENERAL NOTICE
*ICB Bank guarantee will be delivered to client as a guarantee
** CLIENT has the right to withdraw the fixed fund after acknowledging ICB bank minimum of 60 days from the date of withdrawal.
*** Bank will issue cheque book, debit & credit card for the account holder.
**** Annual profit rate will be calculated according to the period of completion fixed deposit in the bank and in case the account holder withdraws it before due time then the annual profit will be adjusted accordingly
FIELDS OF INVESTMENT WITH ICB
- GOLD TRADING
- MINING
- COPPER
- OIL AND GAS TRADING
