Maja Tomanič Vidovič (Slovene Enterprise Fund) Maja Tomanič Vidovič's presentation at the Operational Training Session in Maribor 16/17 April 2015

1. SUPPORT FOR SME – s
IN THE FORM OF
GUARANTEES

2. 1. ABOUT THE SEF

3. PURPOSE OF THE OPERATION

4. Presentation of the results of bank
collateral in Slovenia
PhD. FRANCE ARHAR, President of the Association of Banks Slovenia

5. THE ROLE OF SEF IN THE ENVIRONMENT
1.
• facilitator between domestic and forINeign financial
institutions and SMEs who need affordable financial
resources
2.
• financial partner
3.
• stimulator of appropriate financial solutions for the
financing of SMEs in Slovenia

6. SEF‘s COMPREHENSIVE FINANCIAL SUPPORT
– financial products

7. SEF‘s COMPREHENSIVE FINANCIAL SUPPORT
– purpose of financing
Women Entrepreneurship
Start-up

8. PRODUCTS BY TARGET GROUPS ADAPTED
TO THE STAGES OF THE LIFE CYCLE + SEF TWIN

9. ACTIVE PORFOLIO SEF‘s
ACTIVE PORTFOLIO
31.12.2014
Number of active agreem.:
4.633
Amount of active agreem.:
600,37 mio EUR
 Guarantees with interest rate subsidy 236,16 mio EUR
 Credits 40,46 mio EUR
 Deposits 222,8 mio EUR
 Special incentives 47,6 mio EUR
 Interest rate subsidies 35,1 mio EUR
 Capital investments 17,9 mio EUR
 Convertible loans 0,35 mio EUR

10. GUARANTEES
/for YOUNG and SME5+ enterprises/
PHASE:
/FURTHER GROWT/
 current operation
 further growth and
development

11. ACTIVE GUARANTEE PORTFOLIO 2004 and 2014
NUMBER AMOUNT IN MIO EUR

12. GUARANTEES
/for YOUNG and SME5+ enterprises/
Guarantees for bank loans
BANK
guarantees
loan
SME

14. GUARANTEES
/for YOUNG and SME5+ enterprises/
GUARANTEES FOR
CLASSICAL PROJECT
P1
GUARANTEES FOR
TECHNOLOGICAL
INNOVATIVE PROJECT
P1 TIP
Height of guarantee 60-80%
principal of the loan without
interes
60 - 80%
principal of the loan without interest
Amount of credit until 1.250.000
EUR/investment/30% ok/
until 200.000 EUR - ok
until 937.500 EUR/investment/30% ok/
until 200.000 EUR - ok
Repayment period until 10 years until 7 years
Moratorium until 24 month until 24 month
Interest rate EURIBOR 6 MONTH + 0,95% EURIBOR 6 MONTH + 0,00%
Save to 233.942,00 EUR of savings in
the interest rate
to 80% lower requirements for
collateral
to 172.548,60 EUR of savings in the
interest rate
to 60% lower requirements for
collateral

15. GUARANTEES
/for YOUNG and SME5+ enterprises/
CREDIT REQUIRED
COLLATERAL
WITHOUT
GUARANTEE
REQUIRED
COLLATERAL
WITH
GUARANTEE
100
OF UNITS
160 OF UNITS
80 OF UNITS
100
160
200
80
GUARANTEE
GUARANTEE
SEF-S

16. THANK YOU FOR YOUR
ATTENTION!