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Credit Guarantee Management under the Economic Crisis and Measures to Boost Economy

Credit Guarantee Management under the Economic Crisis and Measures to Boost Economy Content SBCG business background Global crisis Impact on SMEs Thai Government Economic Stimulus Measures SMEs Financial Support SBCG’s Special Guarantee Programs SBCG’s Marketing Strategies

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Credit Guarantee Management under the Economic Crisis and Measures to Boost Economy

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  1. Credit Guarantee Management under the Economic Crisis and Measures to Boost Economy

  2. Content • SBCG business background • Global crisis Impact on SMEs • Thai Government Economic Stimulus Measures • SMEs Financial Support • SBCG’s Special Guarantee Programs • SBCG’s Marketing Strategies

  3. SBCG business background Introduction State-owned enterprise. (supervised by the Ministry of Finance.) Specialized Financial institution. Unique credit guarantee institution in Thailand. Registered capital of 4.7 billion baht.

  4. SBCG business background Shareholders ’ Structure

  5. SBCG business background OBJECTIVE 1. SMEs assistance. 2. Financial institutions confidence. 3. Speed Up credit extension. 4. Assistance National Economic and Social Development Plan.

  6. Global crisis Impact on SMEs Enterprises’ Importance and Productivity in 2007

  7. Financial Institutions Non–financial institutions or Loan Shark Global crisis Impact on SMEs Source of Fund For SMES

  8. Short liquidity. Income Decline. Unable to pay debt. Global crisis Impact on SMEs SMEs face with Economy Crisis SME

  9. Thai Government’s Economic Stimulus Measures • Government Economic Stimulus Package called “The Strength of Thailand2009”. • Increase People’s income. • Alleviate Senior citizen cost of living. • Reduce daily Expense.

  10. confirmed launched Thai Government’s Economic Stimulus Measures BOT -Provision -Risk weight Government : Subsidize fund and absorb costs for the losses of NPLs to SBCG. Portfolio Guarantee Scheme SBCG : Introduced new product. Financial Institutions : Reduce credit risk

  11. SMEs Financial Support Benefit of Package Sharing credit risks between financial institutions and SBCG and win-win solution for all parties. Obtain more loan SMEs : Expand credit. : Reduce risk. Financial Institutions : Stimulate the economy. : Boost domestic consumption. Government

  12. Portfolio Guarantee Scheme • Objectives of Package • Boost financial institutions’ lending confidence. • Enable SMEs to survive the crisis. • Stimulate more growth prospects for SMEs. • Reduce business closedown. • Sustain business survival and revitalize where possible.

  13. Portfolio Guarantee Scheme • Principles • MOU confirmed between SBCG and Financial Institutions. • NPL and the proportion of claim payment, agreed by SBCG and Financial Institutions. • Guarantee period up to 5 years. • Guarantee fee 1.75% per year.

  14. Portfolio Guarantee Scheme

  15. Letter of Guarantee issued (with in 1-2 days) Loans disbursement 4 3 Loan Request Application for guarantee 1 2 Portfolio Guarantee Scheme Process SMEs SBCG Bank

  16. Portfolio Guarantee Scheme • Claim payment • 5 installment (start end of second year) guarantee. • SBCG will make claim payment upon legal action.

  17. SBCG BANK SMEs SBCG BANK SMEs Push strategy Demand Demand Pull strategy Marketing Strategies

  18. SBCG BANK SMEs Push strategy Marketing Strategies By Personal Selling with Financial Institutions • Management Level • Operation Level

  19. Marketing Strategies

  20. Marketing Strategies

  21. Marketing Strategies

  22. Demand Demand SBCG BANK SMEs Pull strategy Marketing Strategies By Marketing Activity with SMEs • Public Relations • Sales Promotion

  23. Marketing Strategies • Public Relations • - Seminar • - Workshop • Sales Promotion • - Reduce fee rate • - Expand maximum credit guarantee amount • - Increase business sector

  24. Marketing Strategies

  25. Marketing Strategies

  26. Marketing Strategies

  27. Integrated Marketing Communication (IMC) • Financial Institutions Sales Force • SMEs Public Relations Sales Promotion Marketing Strategies Conclusion :

  28. Conclusion • Global crisis larger than any period • Package to 1.Getting the financial system back to health 2.Increasing aggregate demand • Co-operation (Government, Bank Of Thailand, Financial Institutions, SBCG)

  29. Q & A

  30. Portfolio Guarantee Scheme Guarantee by SBCG Example Concept 3 (Normal Scheme: NPL =18%) Outstanding= 1,000M NPL = 180 M NPL = 18 % 14 % <NPL ≤ 18 % Paid by SBCG= 15.5 % Bank’s NPL = 2.5 % NPL 18 % NPL 12 % NPL 2.5 %

  31. Portfolio Guarantee Scheme Guarantee by SBCG Example Concept (Normal Scheme: NPL =12%) Outstanding= 1,000M NPL = 120 M NPL = 12 % NPGs ≤ 12 % Paid by SBCG= 12 % Bank’s NPL= 0 % NPL 12 % NPL 12 % NPL 0 %

  32. Portfolio Guarantee Scheme Guarantee by SBCG Example Concept 2 (Normal Scheme: NPL =14%) Outstanding= 1,000M NPL = 140 M NPL = 14 % 12 % <NPG ≤ 14 % Paid by SBCG= 13.5 % Bank’s NPL = 0.5 % NPL 14 % NPL 12 % NPL 0.5 %

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