1 / 23

Providing Non-Financial Services to SMEs

Providing Non-Financial Services to SMEs. Devrim Z. Tavil TEB SME Banking Marketing Director. Turkish Economy & Banking Sector. Banking Sector in Turkey (June’13). SME Cash Loans in Turkey (mio USD). Number of Banks Number of Employees Total Net Profit Number of Branches

aradia
Download Presentation

Providing Non-Financial Services to SMEs

An Image/Link below is provided (as is) to download presentation Download Policy: Content on the Website is provided to you AS IS for your information and personal use and may not be sold / licensed / shared on other websites without getting consent from its author. Content is provided to you AS IS for your information and personal use only. Download presentation by click this link. While downloading, if for some reason you are not able to download a presentation, the publisher may have deleted the file from their server. During download, if you can't get a presentation, the file might be deleted by the publisher.

E N D

Presentation Transcript

  1. Providing Non-Financial Services to SMEs Devrim Z. TavilTEB SME Banking Marketing Director

  2. Turkish Economy & Banking Sector

  3. Banking Sector in Turkey (June’13) SME Cash Loans in Turkey (mio USD) Number of Banks Number of Employees Total Net Profit Number of Branches Total Assets Total Loans 45 192,214 USD 13,068 mio 10,556 USD 722,157 mio USD 444,603 mio SME Cash Loan share in commercial loans %37 SME Cash Loan share in total loans %27 Turkey, Turkish Economy and Banking Sector Population: 75,627,384 (2012) GDP : USD bln786,064 (2012) GDP/Capita: USD10,456 (2012) GDP growth 2012* *Source: IMF

  4. SMEs in Turkey Number of small sized firms increases but medium-sized firms cannot succeed to reach the big-sized firms group SME Share in Employment 79% SME Share in Production 58% The average life of a company is 13 years ! 50% of newly established firms are closed in 5 years ! Most of the rest are staying small ! Turkish Ministry of Industry & Trade Turkish Statistical Institute 2010

  5. TEB Segmentation & Turkish SME Market Loans & Customer Numbers (As of July 2013) USD 25 mio MARKET TEB USD 10 mio USD 120 bn USD 7.5 bn USD 1 mio 6,30% Market Share + Agri, Gold & Public Finance Banking These customers are served by dedicated RMs

  6. SMEs should double their sizes every 3 years’ period. But HOW 6

  7. How to Differentiate?

  8. Differentiation KNOWLEGDE SMEs R&D TECHNOLOGY TEB SME Banking aims to become the first to be remembered when SMEs are concerned by acting as a “consultant bank” rather than applying classical banking approaches.

  9. 70 Events 40 Cities 20,000 Businessmen&women Since 2005 TEB SME Academy aims to increase the competitive powers of SMEs in local and global markets by means of interactive workshops for “strategy, institutionalisation, marketing and growth scenarios” with the content : • Opening Speeches • TEB SME Banking Approach • Lectures by PhDs • Interactive Workshops TEB SME Academy :A Consultive Solution for SMEs • BENEFITS for SMEs • Increase profitability • Enhance professional management • Increase market share BENEFITS for the Bank • Enhancing customer loyalty • Attracting our competitors’ customers by differentiation • Gaining ‘prestige’ by supporting the SME • Training customers, reducing risk 9

  10. www.tebkobitv.com aims to easen the way to access information about business Members enjoy practical solutions for their daily business problems. TEBLiveFinance TEB SME TV SME TV Experts SMELingo More than 6,000 videos 20,000 daily / 4.5 mn annual visitors More than 130,000 members 10

  11. 350SME RMs TEB SME Consultants is a management consultancy service for SMEs where SME RMs offer diversified solutions for SMEs as a result of a 2-year training program. TEB SME Consultants • SME RMs will have 360° approach when assessing SMEs and be able to analyse & suggest about • firm strategy, long term projects • production • marketing & sales • HR • Certified by TOBB University • 4 Main Expertise • Strategy and Growth Management • Training for 5 Months • 3 Main Consultancy Areas • Training for 24 Months 11

  12. SME Club 15,600 Members 49 Global & Local Partners • A platform bridging SMEs and corporate firms • at the point of purchase with remarkable discounts. • Cost management support for SMEs and attractive discounts up to 50% from the most reputable companies • An SME can save EUR15,000 average/year. • Corporate firms get the advantage of selling to SMEs. • Loyalty club for TEB SME clients • 120$ Yearly membership fee is an additional non-interest income source for TEB.

  13. Information Services • Line for Legislation on Foreign Trade • Line for Customs Legislation • Line for EU Funds • Line forTax and Audit • Line for Corporate Social Responsibility • Line for Quality • Line for Gold • Line for Agriculture • Line for Employers • Line for National & International fairs • Line for Trainings for SMEs • Line for Leasing • Line for Factoring • Line for Assurance 444 0 667 A free-of-charge line that provides 24/7 information and assistance services to TEB SME Clients SME Support Line Assistance Services • Translation Services • International Travel Organisations • Office Management Assistant • Supplying Temporary Office Materials (Laptop, projection machine, etc.) 13

  14. Are They Replicable in Other Markets?

  15. Emerging Markets Developed Markets 10 SME Academies took place in BNPP Algeria since 2007 with the participation of Ministry of Economy and 300 participants & 2 SME Academies took place in Egypt since 2011 SME Academy BNPP Spirit of Innovation 2007 Algeria Egypt Italy Belgium TEB SME Academy PILOT STUDIES IN BELGIUM AND ITALY WILL BE LAUNCHED NEXT YEAR 15

  16. How do non-financial services contribute to business results 16

  17. TEB SME Banking (as of 2012) Number of Customers NET Banking Income Income before tax (after HOEA) USD 230 mio USD 113 mio *Including Card Payment Income **Income before tax (after HOEA)

  18. IFCannounces a Turkish bank as a “Success Story” for the first time... • Developing an SME Banking Strategy & Value Proposition to SMEs • Designing and Roling Out New Non-Financial Services • (TEB SME Academy, TEB SME Consultants etc) • Measuring Return on Investment & Benefits to TEB and SME Clients • Conclusion and Looking Ahead IFC has adopted TEB as a success story for both bank and clients while studying over the non-financial services provided to SME clients.

  19. New Ideas? Entrepreneurship Banking

  20. The Market? Objective The pioneer  bank of Start-Up Business Banking The first bank after the government institutions supporting entrepreneurship and technology

  21. Target Group

  22. The Offer TEB Entrepreneurship Banking Financial Service Package • TEB Start-Up Center • Incubation Centre • Business Management • Consulting • Start-Up Trainings • University • METU • Özyeğin Hacettepe TEB BranchsMicro Business Consultants Regional Start-Up Trainings Non Financial Services

  23. Thank You Devrim Z.Tavil TEB SME Banking Marketing Director +902166352241 devrim.tavil@teb.com.tr

More Related