interest rates and gaps interest gaps between big and small & micro businesses big businesses...
DESCRIPTION
The ratio between deposits & given credit Business Sector (Big businesses) Commercial Sector (Medium businesses) Small businessesTRANSCRIPT
Interest Rates and Gaps
2010 2011 20123.85% 4.79% 3.70%
7.26%8.11%
7.36%
3.41% 3.32% 3.66%
- קטנים לזעירים גדולים עסקים בין הריביות פער- קטנים זעירים לעסקים ריבית
Interest Gaps between big and small & micro Businesses
Big Businesses – Interest Rates Small & Micro Businesses - Interest Rates
The ratio between deposits & given credit
0%
20%
40%
60%
80%
100%
120%
108.74%77.17%
60.53%
קטנים עסקים ) בינוניים ) עסקים מסחרי סקטור) גדולים ) עסקים עסקי סקטור Business Sector
(Big businesses )Commercial Sector
(Medium businesses )Small
businesses
Expenses and Income of Banks from Credit and Deposits
על מריבית הכנסותמסך ) כשיעור האשראי
) שניתן האשראי
על ממרווח הכנסותמסך ) כשיעור הפקדונות
הפקדונות(
הפסדי בגין הוצאות שיעוראשראי
0%
1%
2%
3%
4%
5%
קטנים עסקים ) בינוניים ) עסקים מסחרי סקטור ) גדולים ) עסקים עסקי Business Sectorסקטור(Big businesses )
Commercial Sector (Medium businesses )
Small businesses
Rate of Expenses due to credit loss
Net income margin on deposits (% from total deposits)
Income from Interest on deposits (% from total credit given)
MicroUp to 5
employees1M NIS
How small is small ?
MediumUp to 100 employees100M NISSmall
Up to 20 employees
10M NIS
100205
10
1
100
Turnover
Employees
State guarantee fund
Fund Size 4.25 Billion NIS : State - 500 million ILS (100 budget, 400 guarantee)
Guarantee 70% state guarantee for existing companies. 85% state guarantee for new companies.
Loan Size Up to 500 thousand NIS to businesses with up to a turnover of 6.25 million NIS.8% of turnover for businesses with up to a turnover of 100 Million NIS.
Participating banks
“Hapoalim”, “Mizrahi-Thfahot”, “Mekantil Discount” and “Ozar Hayal”
Fund programsFor new businesses which have not yet started their operations
Investments – Investment in infrastructure, renovation, equipment, IT, means of production
Working Capital - bridging the payment gaps: customers - suppliers, customers - employees, increasing inventory, personnel recruitment etc.
Integrated - includes aspects of business development and working capital
The fast Route – Loans of up to 100 Thousand NIS for business with up to 3 Million NIS
Firm Sends Initial Application
Coordinating body asks for additional
documents if (needed)
Meeting and a preliminary analysis of the application and
writing a review
Positive recommendations
Application is sent to the bank for its review
Credit committeeAppeal committee
approval rejectionApproval - firm is
allowed to ask for a committee in another
bank (up to two banks)
Rejection - firm is allowed to ask for a
committee in another bank (up to two banks)
Application Process
Notifying the business - possibility to appeal
Negative recommendations
State Guarantee FundApril 2012 – December 2013
Total* Medium Small
12,196 649 11,547 Total of complete application Loan Request sent
6,794 443 6,351 Approved Loans
3,027 995 2,032 Total Number of Loans given
*Cumulative (from the beginning of the Fund) over 3 billion ILS