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Credit Supplementation for SMEs: Thailand Case Study

35 th ADFIAP ANNUAL MEETING, ISTANBUL, TURKEY. 35 th ADFIAP Meeting Istanbul, Turkey. Credit Supplementation for SMEs: Thailand Case Study. Mr. Wiboon Perm- Arayawong , President Thai Credit Guarantee Corporation (TCG) Apr 25, 2012. Presentation Outline. Thailand. Area (km 2 ).

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Credit Supplementation for SMEs: Thailand Case Study

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  1. 35th ADFIAP ANNUAL MEETING, ISTANBUL, TURKEY 35th ADFIAP Meeting Istanbul, Turkey Credit Supplementation for SMEs: Thailand Case Study Mr. Wiboon Perm-Arayawong, President Thai Credit Guarantee Corporation (TCG) Apr 25, 2012

  2. Presentation Outline

  3. Thailand Area (km2) 513,120 GDP (mil USD) 318,522 GDP-PPP(USD) 4,150 69 Population (mil) No. of Enterprises 2,924,912 No. of SMEs 2,913,167 % to Population 4.21 99.59 % to Total Ent.

  4. Thai’s Credit Guarantee System 6 Loans disbursement 4 Claim payment Public Policies, Capital and Loss Compensation Letter of Guarantee issue 3 Bank SMEs 2 Application for Guarantee 5 Loan requests 1 Claim submission when legal action is taken against the borrower.

  5. Thai Credit Guarantee (TCG) Chiang Mai Phitsanulok UdonThani • A state-owned specialized financial institution (SFI) under the supervision of the Ministry of Finance. • Established on December 30, 1991 as the sole Credit Guarantee Corporation in Thailand to assist viable SMEs to access to finance. • There are 9 Offices covering all regions throughout Thailand. Nakhon Ratchasima Ayutthaya Bangkok and Greater Bangkok Office Chonburi Suratthani Songkhla

  6. Annual SME Outreach 2006-2011 (Million THB) No. of Guarantee Issued

  7. Statistics of Credit Guarantee & NPG (FY 2003-2011) (Million THB) 2003 2004 2005 2006 2007 2008 2009 2010 2011 Cumulative Approved Guarantee Outstanding Guarantee

  8. Percent of Outstanding Guarantee to Total SME Loan (%) (Mil. THB) 3,291,750 2,906,745 2,853,907 2,774,714 2,732,149 2,608,806 2,494,084

  9. ADDITIONALITY 108 66 44 41 34 27 19 15 2003 2004 2005 2006 2007 2008 2009 2010 2011 Accumulated Job Creation Cumulative Approved Loan Guarantee

  10. Financial Sustainability Annual Net Income Retained Earnings

  11. 1.5 Lesson Learned • Thailand had lost opportunity to assist SMEs to access to finance effectively for 17 years with individual guarantee only. • Portfolio guarantee scheme was proved to be more effective than individual guarantee • Partial credit guarantee (PCG) is an effective public support scheme for crisis-response.

  12. Thai SMEs

  13. OUTSTANDING LOAN OF ALL BANKS Billion THB (Exchange Rate 30 THB/USD) 5 Yrs Avg. Growth Rate: Large 23.0 % p.a. Medium 8.8 % p.a. Small 2.3 % p.a.

  14. NUMBER OF BORROWERS

  15. 2 /3 of SMEs Don’t Borrow from Banks How did this 2 million SMEs finance themselves?

  16. Target SMEs Ration of SMEs (classified by group) from the total number of SMEs in Thailand (approximate 3 million SMEs) Group 6 Group 1 Group 5 Group 2 Group 4 Group 3 Guesstimate 600,000 SMEs Source: In 2009, OSMEP estimated the total number of SMEs throughout Thailand at 2,914,912 SMEs.

  17. BANKS’ SME LOANS

  18. CURRENT LOAN GUARANTEE % Guarantee to Their SME Loan % Guarantee to Their SME Loan

  19. Strategic Direction

  20. Growth Strategy Productivity Strategy Financial Perspective New Products&Services Risk Based Pricing New Customers Customer Penetrations Reduce cost to serve Minimize NPGs Maximize use of Existing Assets Customer Perspective Friendly PROVIDE THE BEST TOTAL SOLUTION TO OUR CUSTOMERS National Credit Guarantee Institute Partner Consultant Fast Convenience Reliable Training PRODUCT / SERVICE ATTRIBUTES RELATIONSHIP IMAGE Internal Perspective OPERATION MANAGEMENT PROCESSES CUSTOMER MANAGEMENT PROCESSES INNOVATION PROCESSES REGULATORY & SOCIAL PROCESSES Targeting Acquisition Identify New Opportunities to Serve Customers Corporate Governance Credit Guarantee Management NPGs Management Recovery Corporate Social Responsibility Anticipate Future Customer Needs Risk Management Retention Growth Learning & Growth Perspective A CAPABLE, MOTIVATED, AND TECHNOLOGICALLY ENABLED WORKFORCE ORGANIZATION CAPITAL INFORMATION CAPITAL HUMAN CAPITAL Core Credit Guarantee Solutions Leadership Values Culture Decision Support System Knowledge Teamwork Alignment Skills Infrastructure Strategy Map

  21. Thank You

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