SME Credit Bureau in Singapore Serving Critical Information Needs For Credit Manager

Dun & Bradstreet (Singapore) Pte Ltd SME Credit Bureau in Singapore Serving Critical Information Needs For Credit Manager 25th October 2006 The BIIA Business Information Forum 2006 Tianjin, China

SME Credit Bureau • A collaborative effort between Dun & Bradstreet (Singapore) Pte Ltd and the Association of Small and Medium Enterprises (ASME). • Launched on 21 Mar 2005 by Dr Vivian Balakrishnan, Minister for Community Development, Youth & Sports and Second Minster for Trade & Industry. • Fully operational on 01 October 2005. Property of Dun & Bradstreet (Singapore) Pte Ltd

SME Credit Bureau Property of Dun & Bradstreet (Singapore) Pte Ltd

SME Credit Bureau • It is an online repository of Companies’ information and credit track records. • Credit history is one indicator of a Company’s character in terms of meeting its debt obligations. • Inclusive are Company’s Registration details to help confirm application information and business validity. • Information is obtained from members of the bureau, public databases, other external databases, including litigation and winding up cases. Property of Dun & Bradstreet (Singapore) Pte Ltd

SME Credit Bureau - Concept Companies & Businesses Registry Information Litigation Information Bureau Members Data Repository Scoring Specialist Property of Dun & Bradstreet (Singapore) Pte Ltd

SME Credit Bureau – Data Elements Public Information • Company Registration Data • Capital Information • Change of Company Name • Officer (s) • Shareholders • Subsidiaries • Registered Charges • Suits / Litigation • Winding Up Property of Dun & Bradstreet (Singapore) Pte Ltd

SME Credit Bureau – Data Elements • Bureau data elements • Alternate Addresses • Alternate Company Names • Previous Enquiries • Defaults • Payment Information Summary • Detailed Payment Information (as appendix) • Payment Index • New Credit Risk Index • Industry Risk Indicator Property of Dun & Bradstreet (Singapore) Pte Ltd

Contributors’ Profile – By Industry GDP Q2, 2006 Property of Dun & Bradstreet (Singapore) Pte Ltd

Payment Experience – By Entity Type Property of Dun & Bradstreet (Singapore) Pte Ltd

Payment Experience – By Paid Up Capital Property of Dun & Bradstreet (Singapore) Pte Ltd

Payment Experience – By Industry GDP Q2, 2006 By Industry Property of Dun & Bradstreet (Singapore) Pte Ltd

Payment Experience – By Industry Property of Dun & Bradstreet (Singapore) Pte Ltd

Payment Experience – By Sales Turnover Property of Dun & Bradstreet (Singapore) Pte Ltd

Payment Experience – By Employee Size Micro Loan: < 10/200 (manufacturing) Other Schemes: < 200 Property of Dun & Bradstreet (Singapore) Pte Ltd

Payment Experience Database • Relevance of data (to Enterprise Banking): • Entity Type: >80% on Companies • Paid up Capital: > 50% of PUC < ½ million • Industry: In line with top 4 performing sector • Sales Turnover: > 60% with < $25 million sales turnover • Employee Size: > 85% with < 200 employees Property of Dun & Bradstreet (Singapore) Pte Ltd

Other Initiatives – SME Toolkit • SME Toolkit • International Finance Corporation (World Bank Group) • Web-based content management system & portal • Leverage the latest information and communication technologies to help SMEs learn and implement sustainable business management practices • Increase SMEs productivity, efficiency and capacity, as well as improve their access to capital and new markets. Property of Dun & Bradstreet (Singapore) Pte Ltd

Other Initiatives – SME Toolkit Content available in this portal: • Accounting & Finance • Budgeting & Forecasting • Credit & Collection • Financial Management & Reporting • Finding Finance • Human Resources • Legal & Insurance • Incorporation • Marketing & Sales • Customer Service • International Business http://www.businesstoolkit.com.sg Property of Dun & Bradstreet (Singapore) Pte Ltd

Other Initiatives – SME Toolkit Property of Dun & Bradstreet (Singapore) Pte Ltd

Other Initiatives – Credit Advisory 2. CREDIT ADVISORY UNIT jointly managed by D&B Singapore & Evolve Maximus • Improve financial and business strengths of SMEs through highly relevant and customised mentorship programmes • Promote SME development through shared initiatives with government agencies, private sector, trade associations and business chambers • Complement risk management initiatives of financial institutions and MNCs • Create stronger partnership with the seekers and suppliers of funds (debt and equity) and the public sector • Plan and organise innovative yet educational events for the overall business community Property of Dun & Bradstreet (Singapore) Pte Ltd

Credit Advisory – Professional Services • 8 industry groups • Cash-flow management • Risk return assessment • Productivity and efficiency mgt • Business expansion planning • Fund raising evaluation • Fund raising and M&A advisory • Balance sheet management • Corporate and business strategies • Company valuation • Financial management and analysis • Risk policies • Strategic management Property of Dun & Bradstreet (Singapore) Pte Ltd

Other Initiatives – Blending of Data • 3. Blending of Commercial & Consumer Data • Combining Consumer Credit Bureau data with SME Credit Bureau Corporate formation • Facilitate lenders in their credit evaluation on credit application from SMEs • Provides an insight on the credit history and capacity of business owners along side that of their businesses • Ultimate goal of providing Blended Score that supports predictive & quick assessment Property of Dun & Bradstreet (Singapore) Pte Ltd

SME Credit Bureau in Singapore Serving Critical Information Needs For Credit Manager