Simple and easy way of SME micro financing”
What is important for a micro client?
Viktor Zoltán Kovács.
Segment Marketing
What is important for a micro client?
of
1
Üzlet iránytű
#be simple.#be simple.
free purpose
business development
Üzlet iránytű
#be convenient.#be convenient.
less documentationdocumentation
Üzlet iránytű
#be fast.#be fast.
withinwithin 48 hours
Üzlet iránytű
K&H CosmeprogramK&H Cosme
program
Portfolio type of gtee (fast& easy)
Free of charge – no additional collateraladditional collateral
Available for lower ratedclients – better pricing
ratedpricing
>3000 & SME
Avg ticketsize 9 mn
Results
Country usage
size 9 mnHUF
March
>3000 micro& SME loans
+26 bn HUF new loansnew loans
Country wideusage
March 2016
Üzlet iránytű
business activity loanbusiness activity loanloanloan
Free purpose
No ownsource Long term
K&H Business activity loan
UpNO hard collateral
imited documentationan be used freely for all business purposean be used freely for all business purposeo need to send invoices
available within 48 hoursCOSME gtee – better pricing – no need for hard collateral
Easyavailable
Automaticyearlyreview
Up to 15 mn HUF
1030 newdeals
collateral
deals6.5 bn HUF
Online loan calculator
Üzlet iránytű
future 2.0future 2.0
Digitalisation servicesBusiness on the Go
Lower microsegment
New services
Fast & simple
Thank you for attention