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Big Bank – Small Money! Microfinance and Retail Banking

Big Bank – Small Money! Microfinance and Retail Banking

Project Implementation

Project Implementation in Three Phases: Development of PSBC’s Microcredit Business Nov 2009: 1.2 million loans outstanding Amount of Microcredit Outstanding (in Mio. EUR) 5000 4000 3000 2000 1000 Piloting Piloting of 4 Microcredit Products in selected provinces including Henan, Shandong and Zhejiang Expansion Countrywide Roll Out of Microcredit Products to over 2500 branches Consolidation Ensuring Portfolio Quality by focusing on Capacity Development and Risk Management 1.000.000 800.000 600.000 400.000 200.000 Number of Microcredit Outstanding 0 Jan. 08 Feb. 08 Mar. 08 April 08 May 08 June 08 Aug. Sept. Oct. Average monthly 08 08 08 growth rate: 78% July 08 Nov. 08 Dec. 08 Jan. 09 Mar. April May June Average monthly 09 09 09 09 growth rate: 15% Feb. 09 July 09 Aug. 09 0 16.11.2009 Seite 10

FOCUS: Microcredit Piloting March 2007 First project appraisal mission with PSBC June 2007 A consulting company has been mandated to implement a microcredit product in a pilot branch in Henan April 2008 The project has been officially launched the microfinance and retail banking competence centre in PSBC’s credit department has been established Expert missions to pilot provinces As a consequence pilot products and procedures have been undergoing a first reengineering: Joint elaboration of new regulations, procedures and a operational manual for the credit staff More than 10.000 loan officers and credit managers have been equipped and trained with the so called “green book” Expansion Starting from June 2008 until December 2008 rapid expansion of the credit business Development and implementation of various management tools and instruments (PBS, ABC, …) Training of trainers Awareness raising for the growth risks (risk assessment in pilot provinces and organization of an intensive exchange with Bank Rakyat Indonesia BRI) Joint decision to develop and implement a new fully fledged training system in PSBC The elaboration and implementation of a fully fledged risk management strategy is delayed, thus the risk avers product setting has not been further touched Consolidation Starting from January 2009 until now: Mitigating risks by enhancing the capacities of credit related personnel in PSBC Therefore development and stepby-step implementation of a fully fledged training (and coaching) system all over the country Frankfurt School is subcontracted by GTZ Frankfurt School experts are integrated in the management structure of the PSBC GTZ project management and implement together with PSBC and GTZ experts the training (and coaching) system in 10 provinces Altogether over 1.500 trainers and key staff members have been trained and coached Release of new rules and regulations for the credit business and a new operational manual for the credit staff Integration in PSBC’s credit department and a successful communication culture with PSBC colleagues on management and operational level are key for the success!!! 16.11.2009 Seite 11

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