SUPPORT FOR SME – s

IN THE FORM OF

GUARANTEES

1. ABOUT THE SEF

PURPOSE OF THE OPERATION

Presentation of the results of bank

collateral in Slovenia

PhD. FRANCE ARHAR, President of the Association of Banks Slovenia

THE ROLE OF SEF IN THE ENVIRONMENT

1.

• facilitator between domestic and forINeign financial institutions and SMEs who need affordable financial resources

2. • financial partner

3. •stimulator of appropriate financial solutions for the financing of SMEs in Slovenia

SEF‘s COMPREHENSIVE FINANCIAL SUPPORT – financial products

SEF‘s COMPREHENSIVE FINANCIAL SUPPORT – purpose of financing

Women Entrepreneurship

Start-up

PRODUCTS BY TARGET GROUPS ADAPTED TO THE STAGES OF THE LIFE CYCLE + SEF TWIN

ACTIVE PORFOLIO SEF‘s

ACTIVE PORTFOLIO 31.12.2014

Number of active agreem.:

4.633 Amount of active agreem.:

600,37 mio EUR

Guarantees with interest rate subsidy 236,16 mio EUR Credits 40,46 mio EUR Deposits 222,8 mio EUR Special incentives 47,6 mio EUR Interest rate subsidies 35,1 mio EUR Capital investments 17,9 mio EUR Convertible loans 0,35 mio EUR

GUARANTEES /for YOUNG and SME5+ enterprises/

PHASE: /FURTHER GROWT/

current operation further growth and

development

ACTIVE GUARANTEE PORTFOLIO 2004 and 2014

NUMBER AMOUNT IN MIO EUR

GUARANTEES /for YOUNG and SME5+ enterprises/

Guarantees for bank loans

BANK

guarantees loan

SME

GUARANTEES /for YOUNG and SME5+ enterprises/

GUARANTEES FOR CLASSICAL PROJECT

P1

GUARANTEES FOR TECHNOLOGICAL

INNOVATIVE PROJECT P1 TIP

Height of guarantee 60-80% principal of the loan without

interes

60 - 80% principal of the loan without interest

Amount of credit until 1.250.000 EUR/investment/30% ok/

until 200.000 EUR - ok

until 937.500 EUR/investment/30% ok/ until 200.000 EUR - ok

Repayment period until 10 years until 7 years

Moratorium until 24 month

until 24 month

Interest rate EURIBOR 6 MONTH + 0,95%

EURIBOR 6 MONTH + 0,00%

Save

to 233.942,00 EUR of savings in the interest rate

to 80% lower requirements for

collateral

to 172.548,60 EUR of savings in the interest rate

to 60% lower requirements for

collateral

GUARANTEES /for YOUNG and SME5+ enterprises/

CREDIT REQUIRED COLLATERAL

WITHOUT GUARANTEE

REQUIRED COLLATERAL

WITH GUARANTEE

100

OF UNITS

160 OF UNITS

80 OF UNITS

100

160

200

80

GUARANTEE

GUARANTEE

SEF-S

THANK YOU FOR YOUR ATTENTION!