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How Banks Perceive SMEs And The Relevance of A CFO

How Banks Perceive SMEs And The Relevance of A CFO. Presentation By. How Banks Perceive ALL SMEs…. SMEs are perceived as high risk… High Concentration Risks Key Man Risk Limited Fall-back Options Poor Financial Management & Transparency Unable to Articulate Financing Needs

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How Banks Perceive SMEs And The Relevance of A CFO

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  1. How Banks Perceive SMEs And The Relevance of A CFO Presentation By

  2. How Banks Perceive ALLSMEs….. SMEs are perceived as high risk… • High Concentration Risks • Key Man Risk • Limited Fall-back Options • Poor Financial Management & Transparency • Unable to Articulate Financing Needs • Poor Corporate Governance and MIS

  3. Financial Management & Transparency • Is there proper planning of cash flow • Is there a budgeting process and discipline in control of funds • Is there proper, timely disclosure to lenders? • Are there good financial systems in place (debtor control, collections, payables management etc.)

  4. Financing Needs Known? • If borrower, lender management critical • Need for finance planned well in advance? • Knowledge of financing structure? • Ability to handle and negotiate with banks? • Structuring Bank Finance Critical: Spectre of Pari Passu • Lenders Hate Surprises

  5. Corporate Governance & MIS “So good corporate governance is all about ensuring that the needs and interests of all of an organisation's stakeholders are taken into account in a balanced and transparent manner.” • Good and fair treatment of all stakeholders • Proper documentation and process management • Reputation management • Is there proper and good MIS? • Are there systems in place to generate the above?

  6. Better Bank Financing. Quickly Delivered. Thank You

  7. You can contact us on Vianta Advisors JLT#2604, Mazaya Business Avenue AA1,Jumeirah Lakes Towers, Dubai, United Arab Emirates Vikram Venkataraman E:vikram@viantaadvisors.com GSM:+971-50-6451048; +971-55-1961234 Shekhar Iyer E:shekhar@viantaadvisors.com GSM:+971-55-9804535

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