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Supporting Small and Medium -Sized Enterprises Professionally Microbanks in Southeast Europe

Supporting Small and Medium -Sized Enterprises Professionally Microbanks in Southeast Europe. Dr. Klaus Glaubitt, KfW. 1. Shortcomings of the Financial Sector in SEE. Banking systems have been misused for non-financial interests Weak banking supervision

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Supporting Small and Medium -Sized Enterprises Professionally Microbanks in Southeast Europe

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  1. Supporting Small and Medium-Sized Enterprises ProfessionallyMicrobanks in Southeast Europe Dr. Klaus Glaubitt, KfW

  2. 1. Shortcomings of the Financial Sector in SEE • Banking systems have been misused for non-financial interests • Weak banking supervision • Lack of qualified financing institutions and adapted credit technologies • Lack of refinancing sources • Distrust in local banking sectors restricts mobilization of local deposits • High country risks limit local banks’ access to international capital markets

  3. Total Number of Outstanding Loans = 20,102 ProCredit Bank Bulgaria (Oct. 2001)3 MFB Serbia (April 2001) MEB Kosovo (January 2000) MEC-Bank Moldova4 (Dec 99) Number of Loans Mirobank Romania4 (Nov 1999) FEFAD Albania (March 1999) MEB Bosnia & Herzg. (Nov 1997) 1 Loan development includes the seven microbanks in which KfW has an equity participation and includes these microbanks’ entire loan portfolio; 2 2002 only until 30.6.2002; 3 Date microbank opened; 4 started out as finance companies -have obtained full banking licenses in 2002 Source: IPC Microbank data 3. Loan Development of MEBs (II)

  4. 4. Outstanding Business and Housing LoansMEB Bosnia and FEFAD Albania

  5. 5. Write offs vs. Business Loan Portfolio 2000 2001 September 2002 Total Business Loan Write- Offs in Year (€ '000s) Outstanding Business Loan Portfolio at Year End (€ '000s) As % Total Business Loan Write- Offs in Year (€ '000s) Outstanding Business Loan Portfolio at Year End (€ '000s) As % Total Business Loan Write- Offs in Year (€ '000s) Outstanding Business Loan Portfolio at Year End (€ '000s) As % 20 9.850 0,2% 57 19.300 0,3% 24 28.360 0,1% 85 14.980 0,6% 89 17.660 0,5% 32 24.870 0,1% 0 3.310 - 0 10.590 - 14 19.470 0,1% 0 1.470 - 0 4.820 - 91 8.200 1,1% - - - 0 8.800 - 0 24.580 0,0% - - - 0 5.240 - 0 20.620 0,0% 105 29.610 0,3% 146 66.410 0,2% 161 126.100 0,1% Total

  6. 6. Arrears MEB Bosnia (1999 – 10/2002)

  7. 7. Number of Disbursed Loans 2002 MEB Bosnia

  8. 8. Volume of Disbursed Loans (in ´000 Euro)

  9. 9. Number and Volume of national money transfersMEB Bosnia 2001 – 10/2002

  10. 10. Number and Volume of international money transfersMEB Bosnia 2001 – 10/2002

  11. 11. Deposit Volume MEB Bosnia(1/2000 – 10/2002)

  12. 12. Development of the Number of ATM vs. Cashbox transactions at MEB Kosovo

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