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First Citizens Banc Corp. (FCBC) is a financial holding company. Though its subsidiaries, the Company is engaged in the business of community banking. The subsidiaries of the Company are The Citizens Banking Company (Citizens), SCC Resources Inc. (SCC),
Bayport Management Ltd (BML) is a global leader in at-source credit extension. Through its eight Bayport Financial Services subsidiaries, the group provides market-leading and relevant financial services to consumers in developing markets. We offer our customers, mostly civil servants, access to credit through a variety of loan products with repayments deducted at source. Our goal is to offer financial services and products that support our customers at every stage of their financial journey. Founded in 2001, BML is incorporated in Mauritius. The success of our business model, expressed in attractive financial returns and social impact, has earned us the support of the worlds largest development finance institutions. An increasing proportion of our borrowings are in local currencies, which unlocks economic value in our host markets while driving down our cost of funding. We are an ethical and customer-centric lender. At group-level we have endorsed the Smart Campaign, which is aligned to our mission, vision and values, and six reputable social impact funders have invested in our business. The Bayport Financial Services brand is available in Botswana, Colombia, Ghana, Mexico, Mozambique, Tanzania, Uganda and Zambia, and currently services more than half a million customers.
Colonial Savings provides residential mortgage services with branches across Texas.
Light is a leading finance company in India, with its headquarters in Ahmedabad, Gujarat. The company provides financial products and services in rural and peri-urban areas. It operates across Indian geographies through its network of 195 branches and has catered to the needs of over 4.5 lakh women borrowers.
United Community Financial Corp. (United Community) serves as the holding company for its wholly owned subsidiary, The Home Savings and Loan Company (Home Savings or the Bank). Home Savings is a state-chartered savings bank. The Bank conducts business