3 years ago

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

June 2010 - Banks and Microfinance in Europe - European ...
Retail banking market investigation
Growth strategies in retail banking Study - Roland Berger
MICROFINANCE INDUSTRY REPORT Thailand - Banking with the ...
Microfinance Industry Report: Nepal - Banking with the Poor Network
Microfinance Industry Report: Indonesia - Banking with the Poor ...
[+]The best book of the month Banking on Small Business: Microfinance in Contemporary Russia: Version 2 [FREE]
microfinance industry report - Vietnam - Banking with the Poor Network
A History of Asia's Regional Microfinance Network - Banking with the ...
Innovations in Microfinance in Southeast Asia - Philippine Institute ...
Retail banking market investigation
Innovation in Retail Banking: Asia Pacific - The Asian Banker
Retail banking market investigation
Retail and Trade Banking in Vienna - Raiffeisen
Global Retail Banking - IBP Real Estate
Gender and rural microfinance: Reaching and empowering ... - IFAD
A Structural Empirical Analysis of Retail Banking Competition: the ...
Financial Inclusion and Postal Banking - Postal Financial Inclusion
Retail Banking Business Review - we.CONECT
Retail banking in CEE - Roland Berger
Success factors in Russian retail banking - Roland Berger Strategy ...
Managing your money abroad - Ulster Bank
Using Innovation in Retail Banking as a competitive advantage - SMU
Jan-Mar 2009 - United Bank Limited
Jamal Al-Hazeem cover story in The Banker Bahrain 2012 - BMI Bank
ICT Investment in Retail Banks Enterprise ICT Market Trends Spending Patterns Through till 2015
Money, Bank Credit, and Economic Cycles - The Ludwig von Mises ...
OYAKBANK AU ENG 2003.fh9 - ING Bank
Global Retail Banking Market Research Report, Analysis, Opportunities, Forecast, Applications, Leading Players : Ken Research