” !! Bahrain Development Bank : “ You are not alone ” !!

Introduction: “BDB” Set up in March Important catalyst in attracting Foreign Capital and Technology. Instrumental in creating employment opportunities for Bahrainis. Clear vision, specified objectives, procedures and well studied programmes to accomplish success. Core Values – Ensuring the prosperity of our customers, shareholders and employees.

BDB - Vision To contribute to the Socio-economic development of Bahrain To encourage the growth of Private Sector To broaden the entrepreneurial base To promote Private Investments in Industrial and Service based sector To offer financial and technical assistance to Small & Medium Enterprises (SME) To develop the National Human Resources To diversify the Trading base of the Kingdom by supporting productive and innovative investment opportunities while securing the bank’s assets.

BDB - Objectives Through its support to the SME, BDB contributes towards: Employment Generation Export Promotion Import substitution Business technology up gradation Value added products & services Private Sector Investments in Core Infrastructure Foreign Currency Earning

BDB - Institutional Network The Bank facilitates the provision of developmental services to its SME clients through a close network of institutions BCCI UNIDO MOIC BDB BYEA BIC EDB BBWS

BDB - Group PROJECT FINANCE EQUITY ISLAMIC FINANCE EDUCATION AGRICULTURE FINANCE FISHERIES IT TRG CERTIFIED PROGRAMS SKILL UP GRADATION / EMPLOYMENT BUSINESS INFRASRUCTURE ADVISORY LINKAGES SUPPORT SERVICES TRAINING / CAPACITY BUILDING BUSINESS ADVISORY, BUSINESS PLAN AND SUPPORT SERVICES BIT BANK BDB GROUP BBIC EDP

BDB - Products & Services Term Loan Working Capital Loan Islamic Finance Equity Participation Composite Loan Indirect Finance Small Traders ’ Loan Educational Loan Leasing Fisheries & Agricultural Loans Products Venture Capital Business Advisory Consultancy Services Business Valuation Loan Syndication Training Programs Fast Track Financial Arranger Services ED Training Programs (Package Approach) Business Plan Preparation Development of linkages Business growth counselling Entrepreneurship / Enterprise Development

Eligible Sectors Manufacturing & Industry Sectors Service Sectors Small Traders (on selective basis) Tourism Sector Professionals (Health care, Education, Architecture, Engineering) Health care & Education Agricultural Sector Fisheries Sector

Financing Criteria PurposeStart-Ups; Expansion; Modernization ModeTerm Loan, Working Capital Loan / Composite Loan, Indirect Finance, Equity Finance, Islamic Structured Finance & More. RepaymentUp to 10 Years with Moratorium up to 2 Years Debt Equity Ratio Not to exceed 3:1 Extent of Project Financing - Maximum Loans up to BD 50,000 = 90% of Total Project Cost Loans up to BD 500,000 = 50% of Total Project Cost Interest RatesCompetitive Rate. OthersProject Based in Bahrain; Registered with Licenses; Business plans required

Special Features Competitive Interest Rates Range of Financial Products Free Business Advisory & Financial Consultation Services Bridge Relations Between Entrepreneurs and Investors Financing New & Existing Projects Availability of Short Term and Long Term Loans Long Repayment Period (up to 10 years) Comfortable Grace Period Strong Links with Government Organizations Help in Identifying local partners for foreign investors (Joint Ventures) Business Incubator Facilities for businesses’ early stages at affordable costs High-risk taker

ACHIEVEMENTS

PROJECT COST SUPPORTED

NUMBER OF LOANS

JOB CREATION

Loans, Indirect Financing & Equity

VALUE ADDED

F & A & E

Way Forward  To reach out to the Bahraini youth at all levels and serve as One Stop Institution helping them unleash their entrepreneurial potential and providing complete assistance through a range of support services from business planning to business establishment.  Opening of SME service centers at different locations of the Kingdom ; Sitra, Hidd, and Hamad Town, to increase institutional outreach and to effectively serve the customers.  Expanding the HIDD Incubator Facility.  Strengthen working cooperation with other developmental entities through joint development initiatives.  Participation in the Venture Capital activities to facilitate SME sector growth.  Publicity campaign to improve community awareness on the services provided by BDB for start-up entrepreneurs and SME.  Expanding the existing customer base by 200% in next three years..

You are not alone” Bahrain Development Bank “You are not alone”