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DUBAI COMPUTER GROUP : BANK FINANCE SHOULD NOT BE A MYSTERY!

DUBAI COMPUTER GROUP : BANK FINANCE SHOULD NOT BE A MYSTERY!. Presentation By. The Background: What it is going on in Dubai Banking?. Liquidity Good Risk Appetite Does Not Match High Liquidity Restructuring Everywhere High Inefficiency, Fat And Spoilt Industry

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DUBAI COMPUTER GROUP : BANK FINANCE SHOULD NOT BE A MYSTERY!

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  1. DUBAI COMPUTER GROUP: BANK FINANCE SHOULD NOT BE A MYSTERY! Presentation By

  2. The Background: What it is going on in Dubai Banking? • Liquidity Good • Risk Appetite Does Not Match High Liquidity • Restructuring Everywhere • High Inefficiency, Fat And Spoilt Industry • Inexperienced Relationship Managers • Few Banks Control 80% Of Business

  3. How banks perceive ALL SMEs….. SMEs are perceived as high risk… • High Concentration Risks • Key Man Risk • Limited Fall-back Options • Poor Financial Management & Transparency • Unable to Articulate Financing Needs • Skip Risk

  4. How are Computer & Peripherals Distributors Different? Banks’ perception of Computer Street: • High delinquency, high risk • Opaque business – who are the real clients? • How to capture cash flows? • High risk of ‘Accommodation’ transactions • Industry business risks high

  5. Industry Business Risks • Commoditised Business • High Stock Obsolescence • Low Entry Barriers • Low Margins • Price Volatility • In-House Risks: On Buyer and Supplier Sides • High Skip Risk

  6. So what can you do? • Good Auditor • Ask For The Right Facilities Suiting Your Business Model • Build A Good Case: Testimonials From Buyer And Suppliers • Look At Credit Insurance • Go To The Right Banks • Take Proper Professional Advice • Examine New Areas Like Trade-Flow Of DMCC

  7. Showcase Your Strengths • Identify Your Strengths. Consider Whether You Have: • High Quality Suppliers / Buyers • Some Identifiable USP • Established Track Record With Suppliers & Clients • Good History of Managing Stocks & Receivables • Number of Repeat Clients • Testimonials From Suppliers/Clients • Process Qualifications From International, Reputed Bodies • Financials Audited By Reputed Auditors

  8. What can DCG do? DCG can play a very critical role in assisting members • Build a strong DCG with teeth – confidence builder • Better negotiating power all around • Strict criteria for joining and remaining member • Draw up list of approved auditors, negotiate special rates • Explore TradeFlow with DMCC • Interact more with banks – educate and allay fears • Explore credit insurance

  9. Vianta: Better Bank Financing. Quickly Delivered. Thank You!

  10. You can contact us on ViantaAdvisors JLT#2604, Mazaya Business Avenue AA1,Jumeirah Lakes Towers, Dubai, United Arab Emirates VikramVenkataraman E:vikram@viantaadvisors.com GSM:+971506451048; +971551961234 Shekhar Iyer E:shekhar@viantaadvisors.com GSM:+971559804535

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