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Growing Together

Leader in SME Ecosystem Value Creation beyond Financial Services

To be the Center of Excellence (CoE) for SME Development

S.M.I.L.E.

• Strong Teamwork and Integrity

• Managing Stakeholders

• Innovation and Technology

• Leadership and Growth

• Efficiency and Productivity (LEAN)

SHAREHOLDER SUPERVISING MINISTRY

Ministry of Entrepreneur and Cooperatives [MEDAC]

REGULATORY

CREDIT RATING

By Malaysian Rating Corporation Berhad (MARC)

OUR SUBSIDIARIES

Our Stakeholders

1. Strategic Investment Section 2. Government Investment Company Section

3. Legal Section

Ministry of Entrepreneur & Cooperatives (MEDAC)

1. Finance Development & Enterprise 2. Banking Supervision

3. Financial Sector Development

Ministry of Economic Affairs (MEA)

Other Ministries

KPLB

Other Government Agencies

Malaysian Parliament

Our Mandate and Development Roles

01 02 04

Specialize

DFIs are specialized FIs established by the Government with specific mandate to develop and promote key sectors that are considered of strategic importance to the overall socio-economic development.

Roles

Roles and functions in providing focused financial and development support to bolster economic growth, socioeconomic agenda and human capital development

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Sectors

The strategic sectors include agriculture, small and medium enterprises (SMEs), infrastructure, maritime, export oriented sector as well as capital-intensive and high-technology industries

DFIA

The are 13 DFIs in the country of which 6 are prescribed under the Development Financial Institutions Act 2002 or (Amended) Act 2015 and supervised by Bank Negara Malaysia (BNM

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06 05 04 03 02 01

Activities

SMEs activities in line with shariah

compliance

Applicant

Manufacturing, services and selected

construction

SME Bank General Financing Criteria

Entity & Location

Majority owned by Malaysian

(>51%) and project must be in

Malaysian territory

Financial Status

Healthy and Solvent

Status

No adverse track records and legal

actions on shareholders/

director/ company

Status

Must be SMEs and more than 6

months in operation

Manufacturing

Revenue Full Time Staff

Services

Medium

Small

Micro

Medium

Small

Micro

Classification by National SME Development Council

RM15 mil – RM50 mil

RM300,000 – RM15 mil

<300,000

75 - 200

5 - 74

RM3 mil – RM20 mil

RM300,000– RM3 mil

<RM300,000

30 - 75

5

5 - 29

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SME Classification

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Working Capital

Asset Financing

Fixed Working Capital

Revolving Working Capital

• Letter of Credit • Bankers Acceptance

• Bank Guarantee

Fixed & revolving working capital can help you to: • Buy raw material/ stock • Renovations • Business operations • Acquisitions • Contract financing

Land & building Equipment

Commercial Vehicles

Machinery

Single Customer Limits Single : RM50 million Group : RM100 million Profit Rates From 4.0% to 8.5% p.a. (Depend on financing package) Financing Tenure Maximum tenure as 30 years (Depend on financing item/ package)

Financing General Terms

Types of Financing

COVID-19: PENJANA Tourism Financing

To support SMEs in the tourism sectors by preserving their capacity and assisting them to undertake the necessary investments to adjust and remain viable post COVID-19

Eligibility : (1) SMEs in the core tourism and tourism-related sectors (2) Licensed by/ registered with MOTAC (3) Eligibility sectors are as follows: i. Tourism accommodations premises (budget hotel, registered homestays, chalet and resorts) ii. Travel agencies & tour operators iii. Transportation for tourists (bus, boat and car rental operators) iv. Medical tourism v. M.I.C.E. (Meetings, Incentives, Conference, Exhibitions) ecosystem vi. Money service business vii. Tourism-related retail, recreation and wellness that can justify significant reliance on tourists. Purpose : Working Capital and Capital Expenditure Financing Amount : up to RM300,000.00 per SME Profit Rate : 3.5% (inclusive of guarantee fee) Tenure : Up to 7 years Note: - Recipients of Special Relief Facility (SRF) and/or PENJANA SME Financing (PSF) are not eligible for

PENJANA Tourism Financing - For MICRO size business can opt for BSN, Maybank Islamic Bank, CIMB Bank, RHB Bank, AmBank,

Bank Muamalat, Alliance Bank or Hong Leong Bank

The tourism industry is seen as one of the key contributors to the nation’s economic growth. Various initiatives are being taken to develop the industry especially by the government as well as those directly involved in the industry

General Idea on SFT3

Business Entity • Registered under the Companies Commission

of Malaysia Act 1965/2016 or Co-operative Societies Act 1993

• The shareholders structure is at least 51% owned by Malaysian

• The Company has been in operations for a minimum of 2 years

• Shareholders’ fund of not more than RM10.0million

• Any other conditions imposed by SME Bank and Malaysia’s Ministry of Tourism & Culture (MOTAC)

SFT3 Key Features

Nature of Project • Project is located in Malaysia • All projects classified as tourism related

activities including manufacturing of products related to tourism

• Homestay & Handicraft • Renovation/ adding new in historical sites/

hotel/ motel/ lodge/ chalet • To acquire tourism project • Project must be registered with MOTAC as

tourism project (where applicable) or endorsed as a tourism project by Jawatankuasa Pinjaman Tabung Pelancongan (JKPTP)

Lower Profit Rate BFR – 1.0% to +0.5%

Quantum of Financing Minimum

Handicraft & Homestay: RM50,000 Tourism Services: RM1.0 million

Hotel (working cap.): RM5.0 million Hotel (Asset Fin.) RM10.0 million

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COVID-19: Government Guarantee Scheme (GGS)

To ease SMEs in difficult times by providing financial assistance with additional Government Guarantee Scheme COVID 19 (GGS Prihatin)

Purpose : Working Capital and Capital Expenditure (Note: Refinancing is not allowed) Financing Amount : Minimum of RM75,000 Profit Rate : BFR + 0.0% (not inclusive of guarantee fee) Tenure : Up to 6.5 years

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It is part of the Government’s economic stimulus package to provide financial assistance to Small and Medium Enterprises (SMEs) to adopt

digitalization and/or automation in their business operations in achieving higher productivity, process efficiency, efficient cost management and

greater market penetration.

Eligibility Purpose Financing Amount

Financing Tenure

Profit Rate

MySMELady is a financing program specifically for women entrepreneurs which includes asset acquisition and working capital requirement

Purpose : Working Capital and Asset Financing (plant/ machinery/ equipment) Financing Amount : Up to RM3.0 million Eligibility : 1. > 51% of the equity held by a woman OR CEO/MD is a woman that owns at least 10% of the equity 2. The business is owner-operated 3. The company has been in operations for at least one (1) year 4. Meet the eligibility criteria of Syarikat Jaminan Pembiayaan Perniagaan (SJPP) 5. Business is registered with SSM or other authorized authorities/ district office or professional statutory bodies. Profit Rate : 1. Financing amount of up to RM1.0 million: BFR+0.0% (net after 2.0% subsidy by Government) 2. Financing exceeding RM1.0 million: BFR+2.0% (without 2% subsidy by Government) Tenure : Up to 5 years Collateral : 1. Up to 80% guarantee cover by SJPP 2. Joint and several guarantees of Directors/ Shareholders/ Corporate Guarantee

COVID 19: Financial Assistance

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ALL ECONOMIC

SECTOR

Enhance access to financing for SMEs in all economic sectors, in particular underserved SMEs, and to support growth

Tenure

5 years

Purpose

Capital expenditure or/and working capital

Profit Rate

7% p.a. (Inclusive of any guarantee fee)

Sole Proprietor, Partnership and PLT Business Entity Sendirian Berhad Business Entity

Mandatory Documents

SSM form

A copy of company’s Memorandum & Articles

Past 2 years Audited Accounts

All documents above must be CTC by Company Secretary

SSM business certification

A copy of license from local municipal/ authority

All past Management Accounts

Latest Management Accounts

Common Documents for all Business Entities.

SME Bank Application Form & Declaration Form (Download form at www.smebank.com.my)

Latest 6 months company’s Bank Statement

Latest Debtors & Creditors Ageing Report

A copy of Tenancy Agreement (if rented)/ Sales & Purchase Agreement (if owned)

Quotation of Machinery/ Equipment (if Applicable)

Quotation for Renovation from CIDB Certified Contractors (if Applicable)

Quotation for Advertisement & Promotions (If Applicable)

Quotation for commercial vehicles (If Applicable)

Company Profile/ Business Plan

A copy of Letter of Offer from any Financial Institutions

A copy of Letter of Award from Contract Awarder (for Contract Financing)

Projected Cashflow for 5 years

Latest Management Accounts

Endorsement letter from MOTAC (for SFT3)

SME Bank has the rights to acquire additional information from time to time

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The Centre for Entrepreneur Development and Research (CEDAR) is a wholly-owned subsidiary of SME Bank. Established in

2013 to complement the developmental role of SME Bank, CEDAR aspires to be the center of excellence for entrepreneur

development and transformation. Its mission is to continuously develop the capability of entrepreneurs to sustain their growth in

support of the national economic agenda.

CEDAR Values to Entrepreneur

Growth

Employment

Technology Export

CEDAR Objectives

mySMEBank: Online Application