mikrofinansz kovacs viktor zoltan - €¦ · )uhh sxusrvh 1r rzq vrxufh /rqj whup < , µ ] v ]...

Simple and easy way of SME micro financing”

What is important for a micro client?

Viktor Zoltán Kovács.

Segment Marketing

What is important for a micro client?

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#be simple.#be simple.

free purpose

business development

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#be convenient.#be convenient.

less documentationdocumentation

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#be fast.#be fast.

withinwithin 48 hours

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K&H CosmeprogramK&H Cosme

program

Portfolio type of gtee (fast& easy)

Free of charge – no additional collateraladditional collateral

Available for lower ratedclients – better pricing

ratedpricing

>3000 & SME

Avg ticketsize 9 mn

Results

Country usage

size 9 mnHUF

>3000 micro& SME loans

+26 bn HUF new loansnew loans

Country wideusage

March 2016

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business activity loanbusiness activity loanloanloan

Free purpose

No ownsource Long term

K&H Business activity loan

UpNO hard collateral

imited documentationan be used freely for all business purposean be used freely for all business purposeo need to send invoices

available within 48 hoursCOSME gtee – better pricing – no need for hard collateral

Easyavailable

Automaticyearlyreview

Up to 15 mn HUF

1030 newdeals

collateral

deals6.5 bn HUF

Online loan calculator

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future 2.0future 2.0

Digitalisation servicesBusiness on the Go

Lower microsegment

New services

Fast & simple

Thank you for attention

mikrofinansz kovacs viktor zoltan - €¦ · )uhh sxusrvh 1r rzq vrxufh /rqj whup < , µ ] v ]...

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