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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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slide1

Roles of KODIT for SME Development

Chong-Kwan HAN

Senior Executive Director

Korea Credit Guarantee Fund (KODIT)

E-mail : jkhan@kodit.co.kr

slide2

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

slide3

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

slide4

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

slide5

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

slide6

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

slide7

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

slide8

Kazakhstan share the experience with KODIT

  •  Improvement SMEs’ financial accessibilities and competiveness.

Thank You

Conclusion