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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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Presentation Transcript
content
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
sbcg business background
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.

sbcg business background4
SBCG business background

Shareholders ’ Structure

sbcg business background5
SBCG business background

OBJECTIVE

1. SMEs assistance.

2. Financial institutions confidence.

3. Speed Up credit extension.

4. Assistance National Economic and Social Development Plan.

slide6

Global crisis Impact on SMEs

Enterprises’ Importance and Productivity in 2007

slide7

Financial

Institutions

Non–financial institutions

or Loan Shark

Global crisis Impact on SMEs

Source of Fund

For SMES

slide8

Short

liquidity.

Income

Decline.

Unable to

pay debt.

Global crisis Impact on SMEs

SMEs face with Economy Crisis

SME

thai government s economic stimulus measures
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.
thai government s economic stimulus measures10

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

slide11

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

portfolio guarantee scheme
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.
portfolio guarantee scheme13
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.
slide15

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

slide16

Portfolio Guarantee Scheme

  • Claim payment
  • 5 installment (start end of second year) guarantee.
  • SBCG will make claim payment upon legal action.
slide17

SBCG

BANK

SMEs

SBCG

BANK

SMEs

Push strategy

Demand

Demand

Pull strategy

Marketing Strategies

slide18

SBCG

BANK

SMEs

Push strategy

Marketing Strategies

By Personal Selling with Financial Institutions

  • Management Level
  • Operation Level
slide22

Demand

Demand

SBCG

BANK

SMEs

Pull strategy

Marketing Strategies

By Marketing Activity with SMEs

  • Public Relations
  • Sales Promotion
slide23

Marketing Strategies

  • Public Relations
  • - Seminar
  • - Workshop
  • Sales Promotion
  • - Reduce fee rate
  • - Expand maximum credit guarantee amount
  • - Increase business sector
slide27

Integrated Marketing Communication (IMC)

  • Financial Institutions

Sales Force

  • SMEs

Public Relations

Sales Promotion

Marketing Strategies

Conclusion :

slide28

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)

portfolio guarantee scheme30
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 %

portfolio guarantee scheme31
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 %

portfolio guarantee scheme32
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 %