Best Approach to Finance SMEs-Program Lending

Best Approach to Finance SMEs Program Lending Presented by Kamran Rabbani SME Financing Specialist & Trainer

Global Importance of SMEs ,[object Object],[object Object],[object Object],[object Object],[object Object]

Opportunities for Banks ,[object Object],[object Object],[object Object],[object Object],[object Object]

Why Banks do not lend to SMEs ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

Why Banks do not lend to SMEs ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

Rethinking of lending approach ,[object Object],5% 90% 5% Small SMEs having lack of tangible collateral ,no audited accounts & no past track record. Feasible for Program Lending SMEs that are not viable Top tier SMEs with collateral or strong balance sheet Loan yield of Prime + 1% to 5% Expected loss of 0.5%-1.0% Loan yield of Prime + 6% to 10% Expected loss of 1.0% - 5% Loan yield of Prime + 11% to 15% Expected loss of 5%-10%

[object Object],[object Object],What is a Programme Lending ?

Benefits ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

Implementing Program Lending Pre-Requisite ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

Innovations Required ,[object Object],[object Object],[object Object],[object Object],[object Object]

The Product Program contains ... ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

Program Lending – Process: ,[object Object],[object Object],[object Object],[object Object]

Program Lending – Process: ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

Program lending -How It Works ,[object Object],[object Object],Default Rate Low Score High Score Simplified Underwriting On Low Risk Applications Reject High Risk Apps to Lower Bad Debt Manual Review Marginal Cases

Best Approach to Finance SMEs-Program Lending

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Best Approach to Finance SMEs-Program Lending