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

Slides:



Advertisements
Similar presentations
EU Funds and Postbank June 2010 Sofia POSTBANK YOUR PROJECT PARTNER.
Advertisements

RXQ Process Flow for Typical Customer Billing and Payment Receives bill Sends account specific payment details to Billing Party Sends authorization.
Presented by Roger Pierce NewcomerStartup.com 1. Youre starting a business! 3 Million Canadian Entrepreneurs Most respected occupation Youll need some.
Cash Budget Forecast of cash inflows and outflows over the next short-term planning period Primary tool in short-term financial planning Helps determine.
FIBI FIRST INTERNATIONAL BANK OF ISRAEL O verview
FIBI FIRST INTERNATIONAL BANK OF ISRAEL O verview
FIBI FIRST INTERNATIONAL BANK OF ISRAEL O verview
Chapter 3 Working with Financial Statements
Banco Itaú Holding Financeira S.A. YE 2003 Results February 19, :00 p.m. Alfredo Egydio Setubal Investor Relations Director Silvio de Carvalho.
First International Bank of Israel Ltd. - FIBI
Interpreting the Accounts (Ratio Analysis). What is ratio analysis? A set of accounting ratios often used to help interested parties interpret ( make.
Part Executive Summary 2. Business concept 3. Products & services description 4. Target Market 5. Competitive analysis 6. Marketing plan 7. Operations.
1 Conference Call First Quarter of 2001 Banco Itaú S.A.
1 GFNORTE: 4Q07 Results February, Q07 Overview. 2.Asset Quality. 3.Stock Metrics. 4.Final Considerations. Contents.
Company presentation April 2004 Financial Year 2003 Results and Outlook for the Future.
© Prentice Hall, 2005Excellence in Business, Revised Edition Chapter Financial Management and Banking.
FIBI FIRST INTERNATIONAL BANK OF ISRAEL O verview
31/03/2012 Overview. 2 Net Operating Earnings and ROE NIS Millions.
Delta Airlines, Inc. Financial Analysis Presented By: Karen Brown Chintan Patel Pina Patel.
FINANCIAL ANALYSIS & STATEMENTS. Financial Analysis Methods to monitor the fiscal status of the organization over a period of time Monthly, quarterly,
China's banking system has undergone significant changes in the last two decades Banks in china are now functioning more like banks than before China's.
FIBI FIRST INTERNATIONAL BANK OF ISRAEL O verview
Start up money Capital“money invested by the owners” - it can be a substantial amount - limited to personal wealth (Sole trader/partner) - LTD/PLC can.
1 3Q05 BRSA Bank Only Financial Results 27 October 2005.
30/06/2012 Overview. 2 Net Operating Earnings and ROE NIS Millions 281 NIS Millions 285 NIS Millions.
FINANCE BASIC FACTS. Sources of funds Internal Retained profits Sale of assets Using trade credit Investing surplus cash Reducing inventory External Personal.
FINANCIAL ANALYSIS & STATEMENTS. Financial Analysis Methods to monitor the fiscal status of the organization over a period of time Monthly, quarterly,
WORK MODEL IN STATE GUARANTEED FUNDS SME’ S ISRAEL MICHAEL TAVOR MARCH 2014 Tavor Economic Consultants Ltd. Zarchin 10, Ra'anana Israel
Annual Report Corning Incorporation John Harkins ACG 2021 Section 002.
4.00 Bluff
The crisis impact on the development of SME’s in Russia and antirecessionary support measures Dina Krylova Executive director OPORA RUSSIA Kiev, 17 June.
Conference Call about the Results of the 1 st Quarter of 2004 May 05, 2004 Conference Call about the Results of the 1 st Quarter of 2004 Banco Itaú Holding.
CHAPTER 14 Global Logistics Strategies. Copyright © 2001 by The McGraw-Hill Companies, Inc. All rights reserved.McGraw-Hill/Irwin 14-2 The Global Logistics.
CHAPTER 3 NON-DEPOSITORY INSTITUTIONS. INSURANCE COMPANIES TYPES OF INSURANCE COMPANIES – Life Insurance Companies Term Insurance Whole Life Insurance.
Muhammad Afaaq MC MBA(Finance) Finance (FINI-619) Internship report on National Bank of Pakistan.
6-1 McGraw-Hill/Irwin© 2006 The McGraw-Hill Companies, Inc. All rights reserved.
The Surety Industry and Workers Compensation Guarantees Casualty Actuarial Society Presentation by: Marsh Surety Practice Drew Brach, Managing Director.
NATIONAL LOAN GUARANTEE FUND FOR SMEs GUARANTEES OF NLGFSME – A WAY FOR FACILITATING THE ACCESS OF SMEs TO FINANCING International Forum for Investments.
1 GFNorte’s 1Q08 Results Conference Call April 25, 2008.
T HE I NTERPRETATION OF FINANCIAL STATEMENTS Profitability, liquidity, efficiency, gearing ratios.
BANCO ITAÚ S.A. CONFERENCE CALL FOURTH QUARTER OF 2000.
Small Business Administration  Created in 1953 to develop and aid small businesses in the U.S. Types of Financing  Real Estate  Franchises  Inventory.
11 GFNORTE November Yearly Recap Net Income Net Interest Margin ROA ROE Book Value Past Due Loan Ratio MILLION PESOS 3Q083Q07 1,740 15% 2,007.
1 GFNORTE 3Q08 Results Conference Call October 24, 2008.
Net Interest Margin Provision for Loan Losses Banking Service Fees Administrative Expenses Extraordinary Result Others Statements of Income R$
Structure of Banking Industry
Handout Manajemen Keuangan
Financial Management Decisions n Investment: What assets to own? n Financing: How to pay for those assets? n Dividend: What to do with Net Income?
Acquisition of BEG December th largest GDP in Brazil with one of the highest growth potentials; 5.0 million inhabitants (Approximately 50%
4.01, 4.02 Bluff
S/ash A gym that’s accommodating as well as fun. Equal Partnership: Lance, Marsha, Victor, Roxanne, Andy and Brett.
INTEREST RATE SWAP S&L pays interest on $15 million at 11.5% 11.5% Fixed-Rate Obligation in Eurobond Market Commercial Bank Counterparty Southwest Savings.
Annual Report Alcoa Co. Dustin Leslie ACG fall A.
FINANCIAL SECTOR Kaleigh Theurer. DEFINITION  Category of stocks containing firms that provide financial services to commercial and retail customers.
Cash Preservation Cash Management: Is How A Business Survives!
DEBT FINANCING. Why Debt? Bill Gates had a rule: Microsoft must always have enough money in the bank to run for a year even with no revenues In 2007,
GFNorte´s 3Q07 Results Conference Call October 26, 2007.
3 Chapter Financial Analysis.
Banks Chapter 2.
Social enterprise business organisations
INTEREST RATE SWAP Southwest Savings Association
Using QuickBooks Pro for Accounting 2008 Glenn Owen
5 Financial Analysis FIVE C H A P T E R Irwin/McGraw-Hill
Metropolitan airports commission
1. WHO ARE WE? FINANCIAL NETWORK WITH FINANCIAL ENGINEERING THAT PERMITS: ISSUANCE OF GUARANTEES AND COLATERALS THROUGH INVESTOR GROUPS TO BE PRESENTED.
CAIIB-FINANCIAL MANAGEMENT MODULE-C – RATIO ANALYSIS RATIO ANALYSIS
X100 Introduction to Business
Unit 1b – Functions of Departments
Chapter 11 Debt & Other Forms of Financing
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