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ATLANTICO

Founded in 2006, ATLANTICO incorporated Banco Millennium Angola in 2016. As a result of this merger and integration process of operations of both banking institutions, which together have more than 20 years of experience, ATLANTICO consolidated its universal character and strengthened its position in the Angolan banking market, becoming the largest private bank in financing Angolan Companies and Households and strengthening its position as one of the largest banks in the banking sector.

Executive Committee

Governance Model

Our commitment to ATLANTICO’s Ecosystem

Esquema_ecossistema-atlantico_EN

Customers

“Deliver an outstanding service to Customers”
+1.3MILLION CUSTOMERS
3.9COMPLAINTS PER 1,000 CUSTOMERS
11%DIGITAL CUSTOMERS
1.5MILLION JOBS CREATED

Shareholders

“Protect and maximize Shareholders’ equity, in a whole and sustainable way”
23.7%RETURN ON EQUITY
48.6%COST TO INCOME
+135AOA BILLION EQUITY
14%GROWTH OF RECURRING RESULTS

Regulatory Agencies

“Acting strictly and in line with the best practices in the financial industry”
41INTERNAL CONTROL IMPROVEMENT OPPORTUNITIES
15.9%CAPITAL ADEQUACY RATIO

Partners

“Build and foster partnerships, where we grow and strengthen together”
+60JOBS CREATED
BENCHMARK IN TRADE FINANCE10%MARKET SHARE

BUSINESS PARTNER NETWORK:

  • INSURANCE
  • ASSET MANAGEMENT
  • CORRESPONDENT BANKS IN 4 CONTINENTS

Communities

“Leave a footprint in Society, contributing to the transformation of their lives in a sustainable manner, creating values for life”
+3,500HOURS INVESTED BY ATLANTICO’S EMPLOYEES
+16,000IMPACTED LIVES
+800ATLANTICO’S VOLUNTEERS
+70JOBS CREATED

People

“Promote individual and professional development of ATLANTICO’s Family by creating values for life and transforming lives”
+30%CARREER DEVELOPMENT
1,820EMPLOYEES
+41,000TRAINING HOURS
+5,000MEMBERS OF ATLANTICO’S FAMILY
81%OVERALL SATISFACTION INDEX

Our strategic Agenda is based on five pillars

Universal

Innovative

Investment Partner

Agile and Customer-driven

Responsible

Universal

ATLANTICO’s ambition is to transform its position as universal bank, in the service to its Customers: “Serve all, always, where and how they choose”.

In 2018, through its digital vision, ATLANTICO has transformed its processes as a way to make them simpler and more agile and innovated in the solutions made available to Customers, providing them with greater availability, autonomy and proximity to the Bank. It also expanded its customer base, regardless of the segment. By 2021, ATLANTICO aims to increase its Customer base to 2 million.

Mass Market

For the segment of private individuals and small businesses, whose transaction needs are greater, ATLANTICO bets on a universal positioning, where the Customer chooses at which service point wants to be served, and aims to be closer to Customers. Another critical success factor is the quality of the service provided, based on digital, simple, agile and autonomous processes for the Customer.

In 2018, the Bank concluded the expansion of the breakthrough digital onboarding solution to the entire network of service points, providing fully digital and agile experience during the opening of bank accounts. In the path towards process automation, ATLANTICO continued to innovate with the availability of Direct Deposit Machines, allowing the execution of small deposits autonomously, safely and conveniently, every day of the week and 24 hours a day, thus meeting Customer’s needs.

Prestige

ATLANTICO’s ambition is to provide a personalised, close and priority service to its affluent private Customers (PRESTIGE) and SME (PRESTIGE Empresas). To this end, the Bank invests in customized and specialized management and an offer targeting digital solutions that bring Customers closer and at differentiated levels of service. 2018 was the year of the PRESTIGE segment statement.

Private Banking

In this segment, ATLANTICO’s main ambition is to provide a personalised service, with financial advice and wealth managment. For this purpose, the Bank has a highly experienced team, with relevant know-how in the main areas of personalised banking, which is based on accuracy, secrecy, innovation and operational safety. The private bankers’ team is in Luanda and has implemented a digital service model that allows to respond to the needs of Private Customers.

Corporate

ATLANTICO has an extensive experience and know-how in the customized management of Corporate Customers, aiming to be a leader in this segment. 2018 was a year of regulatory changes in the banking sector, with an impact on Customers’ dynamics, with profound changes in the exchange market. Nevertheless, the transformation scenario of Customers’ businesses also provided the opportunity to explore new solutions, which led up to the structuring of the first real estate leasing operation and the first confirming operation in Angola.

Large Corporate

ATLANTICO has made a strong commitment in this segment, with the objective of ensuring a personalised management to large companies and institutional Customers. To this end, the Bank has a team of experts in the main business sectors of the Angolan economy: Construction and Services; Distribution and Logistics; Industry; Institutional; Oil and Gas and Real Estate Development and Telecommunications.

Innovative

ATLANTICO positions itself as an innovative and digital bank, aiming to be “Leader in digital transformation”.

ATLANTICO’s digital transformation footprint is already very relevant, standing out as leader in this field in the Angolan financial sector. To this end, the Bank has sought to digitize its core processes and develop innovative solutions to improve the Customer experience and, simultaneously, extend the time that ATLANTICO’s People have available to add more value to Customers.

Onboarding Digital

ATLANTICO Customers can experience a 100% digital onboarding journey: opening an account without any paper, with immediate delivery of a debit card and the access codes to ATLANTICO Directo.

Digital Branch

We open the first digital branch in Angola, where our Customers have the chance to experience a 100% digital journey.

Direct Deposit Machine

We implemented direct deposit machines, which allows deposits to be made autonomously, conveniently and safely, in an extended working time.

Disruption Lab

The Disruption Lab (powered by ATLANTICO) is Angola's first digital laboratory whose ambition is to promote an ecosystem of entrepreneurship and digital innovation.

100% Digital Account Opening

ATLANTICO Customers have the chance to experience a 100% digital account opening journey, through their mobile phone or tablet, in only four steps, anytime, anywhere.

Investment Partner

ATLANTICO aims to be a benchmark partner in the investment to and from Angola, in order to continue to support Angola’s affirmation in the world and the diversification of the Angolan economy. To this end, it has focused on consolidating the network of international partners and strengthening the leading role in investment banking.

The Bank has outlined a strategy for the growth of its network of international correspondent banks and the establishment of relations with multilateral development financial institutions with the objective of accessing external credit facilities to support investment and the trade finance activity.

Multi-geographic positioning

Agile and Customer-driven

ATLANTICO’s plan is to be an agile and Customer-driven organization with the ambition to be the “Best Bank in Customer Service”.

Guided by the Customer’s primacy, ATLANTICO believes that its plan is achieved through its largest intangible asset: ATLANTICO’s Culture. A unique culture made of, by and for People. In 2017, ATLANTICO renewed its commitment to each element of its ecosystem, rebuilding its mission and the corporate values that sustain its culture “Our Values for Life”: Customer driven, People Development, Innovation, Agility and Efficiency and Accuracy.

Responsible

ATLANTICO aims to “Leave a footprint in Society, contributing to the transformation of their lives in a sustainable manner, creating values for life”.

Social Transformation is a foundational pillar of ATLANTICO. Its Founders have created not only a Bank but also an Institution based on the creation of Values for Life. A new generation Institution, creating more value for Customers, for its People, for Shareholders and, above all, for Society, striving for the transformation of lives and committed to its Ecosystem.

This transforming impact begins in the lives of Employees and their Families, ATLANTICO’s People, in their welfare, stability and sustainability, extending to the Communities and the entire ATLANTICO Ecosystem. In 2018, over 800 ATLANTICO’s volunteers invested more than 3,500 hours in Communities. Their commitment, sense of mission and humanism allowed us to impact more than 16,000 lives and create more than 70 direct and indirect jobs.