Interest Rates and Gaps Interest Gaps between big and small & micro Businesses Big Businesses – Interest Rates Small & Micro Businesses - Interest Rates.

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Presentation transcript:

Interest Rates and Gaps Interest Gaps between big and small & micro Businesses Big Businesses – Interest Rates Small & Micro Businesses - Interest Rates

The ratio between deposits & given credit Business Sector (Big businesses) Commercial Sector (Medium businesses) Small businesses

Expenses and Income of Banks from Credit and Deposits Business Sector (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)

Micro Up to 5 employees 1M NIS How small is small? Medium Up to 100 employees 100M NIS Small Up to 20 employees 10M NIS Turnover Employees

State guarantee fund Fund Size4.25 Billion NIS : State million ILS (100 budget, 400 guarantee) Guarantee70% state guarantee for existing companies. 85% state guarantee for new companies. Loan SizeUp 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 programs For 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 committee Appeal committee approval rejection Approval - 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 Fund April 2012 – December 2013 *Cumulative (from the beginning of the Fund) over 3 billion ILS