SME Bank

PRODUCT BRIEFING

Background

• Operating since 3 Oct 2005 (Rationalization of Bank

Pembangunan & Infrastruktur Malaysia Berhad and Bank

Industri & Teknologi Malaysia Berhad)

• Authorized Capital RM5.0 bil & Paid up Capital RM1.35 bil

• Target Customer: SME’s under the definition by BNM

• Focus: Manufacturing & Services sector, incl.

Construction

Definition of SME in Malaysia

3 3

Manufacturing Including agro-based manufacturing and manufacturing related

services

Annual Turnover Full Time Employees

< RM50 mil < 200 employees

< RM15 mil < 75 employees

< RM300,000 < 5 employees

Services Including Information & Communication Technology

Annual Turnover Full Time Employees

< RM20 mil < 75 employees

< RM3 mil < 30 employees

< RM300,000 < 5 employees

MICRO

SMALL

MEDIUM

Definition by National SME Council

MICRO

SMALL

MEDIUM

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Corporate Structure

Supervising Ministry

4

Shareholder 100% owned

Regulator Under DFIA 2002

SME Financing

• Manufacturing sector • Services sector • Construction sector

• Authorized Capital RM5.0bil

• Paid up Capital RM1.35bil

MOF Inc. Bank Negara

Malaysia MITI

SME Bank

5

Integrated Approach

5

5 MEDIUM SMALL MICRO

Small Medium Enterprises (SMEs)

Development Banking Business

High Impact Developmental

Program Through

Synergized Approach of Financial Assistance

and Intervention

Financial assistance

serves as enabler

for SMEs, as

engine of growth, to

move up the value

chain and create

viral effect to

the economy

Hand-holding

approach from

the entry point to inculcate business

acumen and propel

SME business

to the next level

FINANCING INTERVENTION

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- Progress Follow Ups

- Intervention

Business Growth

-Profit

-Repayment of facility

Additional

Financing

Financing

TOGETHER WE GROW…

Financing Facilities and Funds

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Fixed Asset Financing

• Land

• Building

• Machines and Equipments

• Vehicles

Working Capital Financing

• Fixed Working Capital

• Revolving Working Capital

Islamic

• Commodity Murabahah

• Bai’bithaman Ajil (BBA)

• Bai’ Istisna

• Ijarah

• Ijarah Thummalbai’

• Kafalah

FACILITIES

DANA

Internal Fund (General Fund and Deposit Fund)

Bank Negara Funds (TUB)

Special Fund For Tourism

(SFT2)

Rural Economic

Development Scheme

(SPED)

Funds Under MITI

Public Transport

Development Fund (TPPA)

Skim Modal Asas (SMA)

Kraf, Batik, Kapal

PML (BAP)

Graduates Entrepreneur

Fund (TUS)

Foreign Funds (JBIC, AJDF,

SMIPP)

Dana Usahawan Negeri

Terengganu (DUNT)

Dana Modal Teroka

Dana 1 SME

FUNDS

Internal Fund

Bank Negara Funds (TUB/TIKS)

Young Entrepreneur Fund

1 SME Fund

Enterprise Premise Financing

Women Entrepreneur Program

Small Business Financing

Online Business Financing

IBS Promotion Fund

SME Technology Transformation

Fund

Working Capital Guarantee

Scheme

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IMPORTANT INFO / DOCUMENTS

ID / Registration documents (I/C, M&A, Form 24, 49 etc)

Financial Statements (3 years)

Bank Statements (6 months)

Debtors & Creditors Listing

Costing (quotation/bill of quantity etc)

Info on Market (contracts/LA/orders etc)

Business / product profile

Completed Forms (free forms/downloads) – NO AGENTS