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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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7 8 february 2013

SALGA LIMPOPO

FINANCE WEEK

“Back to Basics”

7 – 8 February 2013


Discussion points

Discussion Points


Introduction

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+


About the public sector business unit

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.


Mbd credit solutions clients

MBD Credit Solutions Clients

Financial Services

Public Sector

Retail

Telecommunications

Subscription Services

Commercial


Footprint and infrastructure

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


Municipality debt breakdown

Municipality Debt Breakdown

  • 24 Municipalities

  • 5 District

  • 25 Local

Approximately R3.3 billion

Based on AG Report 01 Aug 2012 / Latest Annual Reports


Municipality challenges

Municipality Challenges


How to get back to basics

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


How to get back to basics1

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


How to get back to basics2

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


How to get back to basics3

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


How to get back to basics4

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


Commission rate

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


How to get back to basics5

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


How to get back to basics6

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.


Debt acquisition restructuring

Debt Acquisition / Restructuring


Values and number of accounts

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


Questions

Questions


7 8 february 2013

IMPROVING YOUR REVENUE IS

OUR BUSINESS


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