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  • Benchmarking SME Banking Practices

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    IFC Access to Finance and Financial Markets
    931 просмотров8 страниц
    Benchmarking SME Banking Practices is an IFC initiative which aims to identify key success factors and highlight links between performance and business models, processes and tools adopted by participating banks. In it's current phase, which began in 2005, the project has focused on qualitative and quantitative benchmarking studies in five banks in OECD countries and six emerging market banks located in US, EU, Latin America, Asia and Australia.

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    Benchmarking SME Banking Practices is an IFC initiative which aims to identify key success factors and highlight links between performance and business models, processes and tools adopted by participating banks. In it's current phase, which began in 2005, the project has focused on qualitative and quantitative benchmarking studies in five banks in OECD countries and six emerging market banks located in US, EU, Latin America, Asia and Australia.

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    931 просмотров8 страниц

    Benchmarking SME Banking Practices

    Загружено:

    IFC Access to Finance and Financial Markets
    Benchmarking SME Banking Practices is an IFC initiative which aims to identify key success factors and highlight links between performance and business models, processes and tools adopted by participating banks. In it's current phase, which began in 2005, the project has focused on qualitative and quantitative benchmarking studies in five banks in OECD countries and six emerging market banks located in US, EU, Latin America, Asia and Australia.

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    ‘September 2007 vous coe ‘SME Banking and IFC's Role ‘Small and medium enterprises (SMEs) are major contebuors ro ployment in many pars of the world. However, their financial needs underserved and this continues to bea constant to thei growth. Banks) have traditionally served the corporate and lage business segments ofthe view SMEs asa challenge div to information symmen; kick of collateral ansNbe higher eos of serving smaller tansetions. However, as corporate banking margh ‘cntnne to shrink and increasing fsa restraint lowers yields on government hor rowing, banks have begun to aes che ‘opporunites chat SMES offer in vrs ‘of growth and porfoio diversification IFC Outstanding Portfolio in Financial stitutions ee sve Tn recent years IFC, a member of the ‘World Bank Group has shifed isin ‘valent with SMEs from dret inves rent in enterprises o mainly channeling fonds through financial intermediaries IFC’ micro, small and mes enterprise (MSME} porsolio represents 24 percent ‘ofits woul ponflio and 56 pereent of its financial marke portfolio. Commit ‘meni 1 financial insenatons forthe MSME sector reached $1.9 billion in fiscal year 2007. As of Decernber 2006, IFC financial institutions clints accounted for about five millon MSME leans for toa value of $57.1 billion. Inadition tit investments, IFC financial markers ‘echnical asistnce activites in SME banking include creating SME operations, bank downscaling, cling up microfinance institutions and cresting leasing oper sions and product Benchmarking SME Banking Practices Benchmarking SME Banking Prasices ian IFC initiative which sims to identify key suceas factors and highligh links hrween performance and business models, processes and tools opted oi by paticipaing bans, Ta ins Sy I RET BEM current phase, which began in ac 2005, the projet as focused fon qualitative and quanti benchnaing ste ative bank in OCD coun ar six retging ay banks locate inthe US, EU, Latin America, Asia, and Australia, ‘out, Ina second phase, the core et of benchmarks merging makes fiancal sitions interes ps the cree || wae + room ale ‘SME Segment Offers Growth & Profit, ‘The banks surveyed during the benchmarking exert highlight fierce competition in the corpo- ace ad seal segments a a ke factor in eri the SME matket, The SME market is viewed a an untapped segmene with margins for groweh given shrinking margins inthe comporate stor and inereed competition in teil banking. In adltion, SME banking i cen as high margin business with 2 srong potential for profitability and inmportanecros-selling and porfalio divesifcation ‘opportunites. The banks surveyed reveal hat SME traning i profitable bovines despce challenges such asthe need fr buy-in ac hoch management and operational stafflevels and the neat adapt products and develop IT coos. As highlighted in ROA SME Vers Total Bank page 4, SME portio- ios generat higher rerurn on assets (ROA) than total bank portfolios. Four ou of five bales noted higher porclio and income groweh forthe SME scgment chan the cotl bank. Definitions of SMEs Vary ‘The paticpatng banks’ definitions of SMEs and the rtria used to categorize them vary con- siderably, Most banks not that loan siz is aoe an adequate criteria and indicate tha they have cevalved more sophisticated criteria bated on thor ‘ough analysis oftheir SME clients. Nine ofthe 1] surveyed banks ue den intinse characteristics vallenges in SME banking are similar for PO Re iar ue Com anicdy Banks are still refining their business models. 1 this primary criteria. ‘The banks suggesed that they define SMBs using da easily collectable by font office staff and based on: (1) whether they are asset customers or liability only customers and (2) eisk/erum profes which enables the baak to determine potential reveas, adjust cast to seve, and tnakinize profi. Higher Unsecured Lending in OECD Unsecured lending in che inal unas eyinent is higher overall in dhe banks in OECD countries ‘compared to emerging marker banks. Unsecured leading is percent forthe OECD banks ana 3 |yzed compared co 36 percent on average for thei emerging marker counterparts, Thi i likely de to the availabilty of beter information on clients and

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