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Roles of KODIT for SME Development

Roles of KODIT for SME Development. Chong-Kwan HAN Senior Executive Director Korea Credit Guarantee Fund (KODIT) E-mail : jkhan@kodit.co.kr. Profile of KODIT. ▪ Status: Non-profit Special Legal Entity backed by Gov. ▪ Establishment : 1976 ▪ Capital Fund : USD 5.7 billion (‘12)

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Roles of KODIT for SME Development

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  1. Roles of KODIT for SME Development Chong-Kwan HAN Senior Executive Director Korea Credit Guarantee Fund (KODIT) E-mail : jkhan@kodit.co.kr

  2. Profile of KODIT ▪ Status: Non-profit Special Legal Entitybacked by Gov. ▪ Establishment : 1976 ▪ Capital Fund : USD 5.7 billion (‘12) ▪ Outstanding Guarantee : USD 42.4 billion (‘12) No. of customers : 230,000 ▪ No. of Employees : 2,150 ▪ Biz Network : 1 Head office 9Regional HQs, 99 Branches

  3. Target of Credit Guarantee ▪ Firms with insufficient collateral & difficulties in financing ▪ Firms with low credit rating, but with future growth potential Firms in High Credit Rating [Blue Zone] Credit Loan Firms in Average Credit Rating (with Future Potential) [Gray Zone] Credit Guarantee Firms in Low Credit Rating [Red Zone] Restructuring or Out of market

  4. Performances Since establishment of KODIT SME lending has increased Positive policies : Credit guarantee, SME banks, SME loan guideline, etc. Unit : billion USD 1. Increase in SME Lending

  5. Performances ▪ [‘09] B/ A = 88% ▶ Net increase of Loans to SMEs (‘09) : 18.2 Billion US$ (A) ▶ Net Increase of Credit Guarantee (‘09) : 16.0 Billion US$ (B) (Unit : billion USD) Item / Year 2008 2009 Net Increase Loans to SMEs (A) 364.5 382.7 18.2 16.0 Credit Guarantee (B) 42.2 58.2 Percentage (B/A) 11.6% 15.2% 88.0% 2. Intensive Rescue Plan in 2008

  6. Performances Ease the National Economic Fluctuation [CG supply→ Invest. Expansion → Employment Increase →Economic Upturn] The GrowthRate of GDP The GrowthRate of CG 3. Counter-cyclical Economic Policy

  7. Performances(1) ▪ Effects on Financial Measures of Guaranteed Co. Financial Measures Guaranteed Co. Non-Guaranteed Co. Asset growth rate 25.2% > 14.1% Sales growth rate 18.8% > 15.1% Operating profit growth 23.2% > 18.1% Return on equity 25.0% > 15.0% Debt ratio 213.8% > 155.9% 4. Improvement in Performance of SMEs * Average from 2006 through 2008

  8. Kazakhstan share the experience with KODIT •  Improvement SMEs’ financial accessibilities and competiveness. Thank You Conclusion

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