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Supporting Small and Medium -Sized Enterprises Professionally Microbanks in Southeast Europe. Dr. Klaus Glaubitt, KfW. 1. Shortcomings of the Financial Sector in SEE. Banking systems have been misused for non-financial interests Weak banking supervision - PowerPoint PPT Presentation
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Supporting Small and Medium-
Sized Enterprises Professionally
Microbanks in Southeast Europe
Dr. Klaus Glaubitt, KfW
1. Shortcomings of the Financial Sector in SEE
Banking systems have been misused for non-financial
interests
Weak banking supervision
Lack of qualified financing institutions and adapted
credit technologies
Lack of refinancing sources Distrust in local banking sectors restricts mobilization of local
deposits High country risks limit local banks’ access to international capital
markets
3. Loan Development of MEBs (II)
0
5000
10000
15000
20000
Nu
mb
er
of
Lo
an
sTotal Number of Outstanding Loans = 20,102
FEFAD Albania(March 1999)
MEB Bosnia & Herzg.(Nov 1997)
Mirobank Romania4
(Nov 1999)
MEC-Bank Moldova4
(Dec 99)
MEB Kosovo(January 2000)
MFB Serbia(April 2001)
ProCredit Bank Bulgaria (Oct. 2001)3
1 Loan development includes the seven microbanks in which KfW has an equity participation and includes these microbanks’ entire loan portfolio; 2 2002 only until 30.6.2002; 3 Date microbank opened; 4 started out as finance companies -have obtained full banking licenses in 2002Source: IPC Microbank data
4. Outstanding Business and Housing LoansMEB Bosnia and FEFAD Albania
Outstanding business and housing loans MEB Bosnia and FEFAD Albania
December 1999 - September 2002 (EUR mln)
0
5
10
15
20
25
30
December 1999 December 2000 December 2001 September 2002 December 1999 December 2000 December 2001 September 2002
Medium (> 50.000)
Small (10.001 - 50.000)
Micro (1.001 - 10.000)
Micro-micro (< 1.001)
MEB Bosnia FEFAD Albania
0,1%126.1001610,2%66.4101460,3%29.610105
0,0%20.6200-5.2400---
0,0%24.5800-8.8000---
1,1%8.20091-4.8200-1.4700
0,1%19.47014-10.5900-3.3100
0,1%24.870320,5%17.660890,6%14.98085
0,1%28.360240,3%19.300570,2%9.85020
As %
Outstanding Business
Loan Portfolio at Year End
(€ '000s)
Total Business
Loan Write- Offs in Year
(€ '000s)
As %
Outstanding Business
Loan Portfolio at Year End
(€ '000s)
Total Business
Loan Write- Offs in Year
(€ '000s)
As %
Outstanding Business
Loan Portfolio at Year End
(€ '000s)
Total Business
Loan Write- Offs
in Year
(€ '000s)
September 2002
20012000
Total
5. Write offs vs. Business Loan Portfolio
6. Arrears MEB Bosnia (1999 – 10/2002)
0
0,5
1
1,5
2
2,5
3
Jan
99
Mar
99
May
99
Jul 9
9
Sep 9
9
Nov 9
9
Jan
00
Mar
00
May
00
Jul 0
0
Sep 0
0
Nov 0
0
Jan
01
Mar
01
May
01
Jul 0
1
Sep 0
1
Nov 0
1
Jan
02
Mar
02
May
02
July
02
Sep 0
2
Oct
02
7. Number of Disbursed Loans 2002 MEB Bosnia
0
100
200
300
400
500
600
700
Jan Mar May Jul Sep Nov Jan Mar May Jul Sep
8. Volume of Disbursed Loans (in ´000 Euro)
0
500
1000
1500
2000
2500
3000
3500
4000
Jan FebMar AprMay Jun Jul Aug Sep Oct Nov Dec
20012002
9. Number and Volume of national money transfersMEB Bosnia 2001 – 10/2002
0
10.000.000
20.000.000
30.000.000
40.000.000
50.000.000
60.000.000
Jan
00
Mar
00
May
00
Jul 0
0
Sep
00
Nov
00
Jan
01
Mar
01
May
01
July
01
Sep
01
Nov
01
Jan
02
Mar
02
May
02
Jul 0
2
Sep
t 02
Oct
02
Vo
lum
e o
f T
ran
sfer
s
0
5.000
10.000
15.000
20.000
25.000
30.000
35.000
40.000
45.000
50.000
Nu
mb
er o
f T
ran
sfer
s
Volume Number
10. Number and Volume of international money transfersMEB Bosnia 2001 – 10/2002
0
1.000.000
2.000.000
3.000.000
4.000.000
5.000.000
6.000.000
7.000.000
8.000.000
9.000.000
10.000.000
Jan
00
Mar
00
May
00
Jul 0
0
Sep
00
Nov
00
Jan
01
Mar
01
May
01
Jul 0
1
Sep
01
Nov
01
Jan
02
Mar
02
May
02
July
02
Sep
02
Oct
02
Val
ue
of
Tra
nsf
ers
0
200
400
600
800
1.000
1.200
Nu
mb
er o
f T
ran
sfer
s
Volume Number
11. Deposit Volume MEB Bosnia(1/2000 – 10/2002)
0
5
10
15
20
Jan
00
Mar
00
May
00
Jul 0
0
Sep
00
Nov
00
Jan
01
Mar
01
May
01
Jul 0
1
Sep
01
Nov
01
Jan
02
Mar
02
May
02
Jul 0
2
Sep
02
Oct
02
12. Development of the Number of ATM vs. Cashbox transactions at MEB Kosovo
0
1.000
2.000
3.000
4.000
5.000
6.000
7.000
Dat
e
08.0
4.02
14.0
4.02
20.0
4.02
26.0
4.02
02.0
5.02
08.0
5.02
14.0
5.02
20.0
5.02
26.0
5.02
01.0
6.02
07.0
6.02
13.0
6.02
19.0
6.02
25.0
6.02
01.0
7.02
09.0
7.02
17.0
7.02
25.0
7.02
02.0
8.02
12.0
8.02
20.0
8.02
29.0
8.02
06.0
9.02
16.0
9.02
24.0
9.02
01.1
0.02
09.1
0.02
17.1
0.02
0
5.000
10.000
15.000
20.000
25.000
30.000
35.000
40.000
45.000
50.000
Number of ATM transactions
Number of cashbox transactions
Total number of issued cards
Transactions (number) Issued cards (number)