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7 – 8 February 2013

SALGA LIMPOPO FINANCE WEEK “Back to Basics”. 7 – 8 February 2013. Discussion Points. Introduction.

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7 – 8 February 2013

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  1. SALGA LIMPOPO FINANCE WEEK “Back to Basics” 7 – 8 February 2013

  2. Discussion Points

  3. Introduction MBD Credit Solutions is the leading independent provider of credit management solutions in Southern Africa, specifically focusing on the collection of accounts receivables encompassing the entire credit cycle using call centre based and legal collections. MBDCS has 12 years’ experience in the accounts receivable management field. MBDCS services a wide range of large clients from the private and all levels of public sector. • Membership: NCR, Council of Debt Collectors, Law Society, ADRA, ICM, CPA, ACA International • Global Credit Ratings – SQ2+

  4. About the Public Sector Business Unit National, Provincial and Local Government has a key role to play in meeting the service delivery needs of the people of South Africa. In order for this to occur, a good sustainable financial model is needed, which include good revenue management and debt collection at all municipal levels. MBD Credit Solutions has recognised that the public sector operates within a complex regulatory framework and requires unique revenue management solutions and strategies to meet its broader mandate of service delivery. The dedicated Public Sector Business Unit was established by MBD Credit Solutions to address the specific needs of the Public Sector market.

  5. MBD Credit Solutions Clients Financial Services Public Sector Retail Telecommunications Subscription Services Commercial

  6. Footprint and Infrastructure 9 Call Centres 1500 fully equipped seats Technology, Secure Data & IT Cheetah Dedicated Attorney Firm 2500 Employees Customised Revenue Strategies Modelling & Risk Strategy Team

  7. Municipality Debt Breakdown • 24 Municipalities • 5 District • 25 Local Approximately R3.3 billion Based on AG Report 01 Aug 2012 / Latest Annual Reports

  8. Municipality Challenges

  9. How to get back to basics Pre Billing Services Hosting & Administration of Accounts Call Centre Setup Pre Legal Collections Legal Collections Debt Acquisition / Restructuring Cheetah ARM System BPO Solutions ARM – Account Receivables Management

  10. How to get back to basics Pre Billing Services Hosting & Administration of Accounts Call Centre Setup Pre Legal Collections Legal Collections Debt Acquisition / Restructuring • Pre Billing Services • Meter Services • Readings & Cut-Off • Meter Audits & Installation • Stand Verification

  11. How to get back to basics Pre Billing Services Hosting & Administration of Accounts Call Centre Setup Pre Legal Collections Legal Collections Debt Acquisition / Restructuring • Hosting & Administration of Accounts • Complete Suite of Communication Channels • Automated Voice Message, SMS, MMS, Letters, Emails, USSD • Billing & Statements • Account Management • Customer Care

  12. How to get back to basics Pre Billing Services Hosting & Administration of Accounts Call Centre Setup Pre Legal Collections Legal Collections Debt Acquisition / Restructuring • Setting up of Call Centres • Collections Call Centre • Customer Care / Query Resolution Call Centre • Collections Software • Training & Management

  13. How to get back to basics Pre Billing Services Hosting & Administration of Accounts Call Centre Setup Pre Legal Collections Legal Collections Debt Acquisition / Restructuring • Pre-Legal Collections • Early Stage Collections – less than 90 days in arrears • Late Stage Collection – 90 days and above in arrears • Collection of all Municipal Services • Collection of Traffic Fines • Segmentation & Debtor Profiling • Query Resolution & Customer Care

  14. Commission Rate • Commission Rates are at 15% (negotiable based on municipality size, volumes, etc.) • On arrear accounts that have been handed over • No collection, no commission basis • No additional fees unless debtor moves over to legal process where undefended pricing may be applicable

  15. How to get back to basics Pre Billing Services Hosting & Administration of Accounts Call Centre Setup Pre Legal Collections Legal Collections Debt Acquisition / Restructuring • Legal Collections • Preferred relationship with Munnik Basson Dagama Inc. • Specialist in legal collections • Capital Data the – specialist in administration order and debt review

  16. How to get back to basics Pre Billing Services Hosting & Administration of Accounts Call Centre Setup Pre Legal Collections Legal Collections Debt Acquisition / Restructuring MBD Credit Solutions has over the last 10 years refined the valuation of debt acquisition portfolios to a fine art. Having concluded in excess of 100 transactions in the private sector, MBD Credit Solutions has obtained detailed insight into the do’s and don’ts of debt acquisition. MBD Credit Solutions’ valuation techniques and contractual terms and conditions take this experience into account.

  17. Debt Acquisition / Restructuring

  18. Values and Number of Accounts • MBD Credit Solutions has concluded transactions across a wide range of asset classes including in-store retail credit cards, bank credit cards, personal loans, asset shortfall loans, cellular contracts, and distressed mortgage portfolios. • Total face value R10 billion • Total accounts 2 million accounts • MBD Credit Solutions utilises the capacity of the Transaction Capital (MBDCS’ parent company) Debt Capital Markets team to arrange favourable securitisation terms, rates and covenants and ensure long term operational funding. Transaction Capital has also recently listed on the JSE, ensuring further capital and funding available to MBD Credit Solutions

  19. Questions

  20. IMPROVING YOUR REVENUE IS OUR BUSINESS

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