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6 ème Conférence Annuelle de SANABEL

6 ème Conférence Annuelle de SANABEL. Beyrouth – Mai 2009. FINANCING MICROFINANCE MENA REGION. Pascale Lacombrade. Group’s Microfinance coordinator. SOCIETE GENERALE. Table of contents. SG Group key facts Profile International Retail Network Within MENA region SG & Micro finance

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6 ème Conférence Annuelle de SANABEL

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  1. 6ème Conférence Annuelle de SANABEL Beyrouth – Mai 2009 FINANCING MICROFINANCE MENA REGION Pascale Lacombrade Group’s Microfinance coordinator SOCIETE GENERALE

  2. Table of contents • SG Group key facts • Profile • International Retail Network • Within MENA region • SG & Micro finance • A snapshot • Within MENA region • Financing an MFI – preliminary facts

  3. +€ 2.0 billion Net income* The Group’s profile • A Baseline pledge : “We stand by you” • Three core business lines • Retail Banking & Financial Services • Global Investment Management & Services • Corporate & Investment Banking • A robust Group • 30 million customers throughout the world • 163,000 employees from 122 nationalities in 82 countries • Net Banking Income: € 21,866 millions • AA- (Standard & Poor’s), AA- (Fitch) and Aa2 (Moody’s)

  4. The Group’s profile • Universal Banking • Global Investment Management & Services • 63,000 employees of 59 nationalities + 13 Million Customers (Individuals & Corporate)

  5. MOROCCO 279branches 2,729employees TUNISIA 99 branches 1,383employees LEBANON 57branches 1,096employees JORDAN 16branches 216employees ALGERIA 53branches 1,148employees EGYPT 123branches 3,148employees SG Retail in the MENA Region + 1,2 Million Customers (Individuals & Corporate)

  6. Microfinance activities - Snapshot + € 150 M Funds engaged (local currency) • The first step … in Morocco SGMA is the very first bank to agree to lend to the sector (backed by USAID, concessional loans) • Today … • 40 % of the total resources allocated by French banks to the sector • 16 subsidiaries lend to 38 MFIs that provide services to 1.5 million micro-entrepreneurs • Three subsidiaries are shareholders in MFIs in Cameroon, Ghana & Madagascar (three in pipe)

  7. MENA – The Group’s “Flagship” in MF +Grameen-Jameel SG = # 1 partner • Main features • 13 MFIs financed • In four countries • Local currency only • Facilities • Overdraft and Short Term Loan • Medium Term Loan • Long Term Loan • Guarantees • Required to initiate relationships • Increasing leverage • Clean facilities • Contacts Marocco Mohamed Amiliki Samir Benhima Tunisia Sana El Molk Bey Egypt Mohamed Antably Jordan Nadim Abaout Lebanon Barbara Daoud

  8. + Transparency Financing an MFI : Preliminaries • Building confidence … • Which expertise / legitimacy in the field of micro finance ? (history, founders, external support, institutional supporting) • Is the governance clear and reliable ? • Does the institution benefit from a good image and reputation ? • May we obtain external guarantees ? • Financials speak … • Documentation • Legal documents • Activity reports • Audited financial reports • Visits • If any, rating reports

  9. Thank you for your attention

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