www.mspbank.ru

April, 2014

SUPPORT TO THE RUSSIAN SMEs

2

SME Bank

Partner BanksNon-Bank Financial

Institutions

Leasing Companies

Factoring Companies

Micro-Finance Organizations

SMEs

- Equity: USD 550 mln

- Assets: USD 4 bln

Business Model

2013-2015

3

Mass financing of SMEs – anti-crisis measures

Increasing the volume of support

Launch of the program

financing of innovation, modernization and energy efficiency projects

Targeted support of priority sectors of SMEs – drivers of new economy:

- innovation, modernization, energy-efficiency

- non-trade sector

- social sector

2012201120102009

New trends of Program development:- risk sharing with

partners- direct support

for innovative SMEs

- guarantee mechanism

Evolution of the Program

FROM CONVENTIONAL WIDE-SCALE FINANCING TO SUPPORT OF PRIORITY SECTORS

4

82 regions

Program Market

Interest Rates

15 -17%

12.7%

Prioritized segments

83.5%

405 partners

45 thousand SMEs

11.4 USD blnvolume of support

as of March 2014

255 partners

19.3 thousand SMEs

2.8 USD blnvolume of support

since Program launch

168 monoprofile

cities

Program Results

5

Support Priorities

1

2

3

4

Innovative SME

Non-trade SME

Non-trade SME

Start-up

Bank loans and share in equity

Bank loans

Leasing Factoring

Microfinancing

66

MINISTRY OF FINANCEState Guarantee

VNESHECONOMBANKGuarantee

SME BANKBank Guarantee

Guarantees for Medium-Sized Companies

Ultimate Borrowers – Medium-Sized Companies

• Guarantee cover ratio up to 50% of loan amount but not more than 1 bln RUB

• Guarantee tenor from 2 to 10 years

Commercial Bank

1 2 3

Loan Agreement with Medium-

Sized Company

• Capex ratio not below 70% of project costs

7

SME BANK

Banks

Non-bank Financial Institutions

Leasingcompanies

Factoringcompanies

Micro-financing entities

10 products 4 products 2 products 4 products

Guarantee mechanism

1 product

Product Line Structure

8

Federal authoritiesDevelopment of new

regulations

Regional authorities Targeted support

Russian NGOs – joint events

Educational institutions and

consulting companies

Training

Foreign development

institutions Exchange of experience

Research entitiesSource of information

External Partners of SME Bank

A reliable financial partner with 10 years of experience in SME lending support

Availability of a wide partner network throughout Russia

Center of competence for SME lending support in Russia

International Cooperation

COOPERATION WITH DEVELOPMENT INSTITUTIONS

9

34

SME BANK

10

SME Bank’s Information Portal

Openness of information about the Bank and the

Program

Over 2 mln. visitors per

year

On-line response

Actual analytical information on

SME

THANK YOU!

Sadovnicheskaya St. 79, Moscow, RussiaTel./fax +7 (495) 783-79-98, e-mail: info@mspbank.ru

website: www.mspbank.ru/en