1. K-Finance Industrial Bank of Korea (2016. 7)

2. K- Finance overview K-Finance shares experience of policy-driven financing, know-how of SME Financing and IT infra with the international community. Know-how of SME Financing Experienc e of Policy- driven financing IT infra Governments of developing countries Nongovernment organizations International organizations Financial institutions IBK’s Core value

3. IBK’s Know-how Over the last 56 years, IBK has supported countless SMEs regardless of market condition. As a result, IBK has clearly understood about SMEs. It is the core value of IBK, others can not provide. High Risk Asymmetric information Diversity of business Poor Business structure High management cost Greatly affected by Cyclical fluctuation Low absorptive capacity on external shock Atypical credit information Low reliability of Financial information Various business types & business conditions Various financial needs Small profits and quick returns Difficulty achieving economy of scale Insufficient decision making system Difficulty collecting information Characteristics of SMEs IBK’s Know-how Differentiated risk management Independent in-house SME rating model Operating customer oriented loan approval organization Customized SME channels Fragmented financial products & Services (business cycle/type, purpose) Business support systems Knowledge systems New core-banking system launching Providing management information Cash management service Consulting Risk managementClose relationshipProducts & servicesSupporting programIT infra 12345 abcde

4. What to share We are glad to share how to manage SME Policy-driven financing and SME Finance. SME Policy-Driven Financing SME Finance  Foundation of specialized bank for SMEs  SME support policies (The laws and cases for SMEs, Agencies for SMEs)  SME financial policies (Compulsory SME loan ratio, Aggregate Credit Ceiling Loan by Central bank, Credit Guaranty system, Policy-driven financing) Loan Management Loan Screening Loan Follow-up Management Products / Services Marketing / Business Administration  Loan regulation (credit limit, total exposure, interest rate decision )  Internal control  IT Systems  Credit Guarantee  Credit analysis  Credit evaluation  Small business loan Screening  Early warning system  Technology evaluation  Risk review  Asset soundness evaluation  Credit-rating  Corporate restructuring  Electronic payment  Trade finance  Government loan  Supporting culture & contents industry  Manpower operation  Business Efficiency  SME consulting  Cash management service(CMS) Contents 1 2 abcde

5. How to share We will share our know-how through ① training program, ② policy proposal, ③ specialized consulting.  Invitation training  Visiting lecture  Field survey  Dispatching expert  Joint research  Planning policy  Developing Business Model  System Integration  Joint business training Policy Proposal Consultin g K-finance program Course

6. Program details We will prepare the program with the other institutions who also support SMEs likes IBK. Particularly, we are planning IBK-to-KODIT Program. IBK-to-KODIT* program * KODIT : Korea Credit Grantee fund 1 st Day2 nd Day3 rd Day 5 th Day4 th Day 09:00~12:00 12:00~14:00 14:00~20:00 20:00~ Arrival, Incheon→Seoul Welcoming Luncheon Seoul City Tour →KODIT training center 09:00~10:00 10:00~12:00 12:00~13:00 13:00~18:00 KODIT Orientation [KODIT Lecture 1] Lunch [KODIT Lecture 2] 18:00~Dinner 09:00~12:00 12:00~13:00 14:00~18:00 18:00~21:00 [IBK Lecture 1] Lunch Study visit (IBK IT center, Branch) Theme park 09:00~12:00 12:00~13:00 14:00~17:00 18:00~21:00 [IBK Lecture 2] Lunch Field visit (Samsung Electronics) Farewell Dinner 09:00~12:00 12:00~13:00 14:00~17:00 [IBK Lecture 3] Lunch Seoul→Incheon, Departure Ref. providing accommodations and domestic traveling expenses

7. Go to the world by ① Know-how & ② Brand & ③ Network * Know-how of SME finance no.1 bank in Korea, raising Brand awareness, network synergy K-Finance’s Vision We hope that K-finance program gives you the insight about SMEs financing Policy, also that IBK brand gets more well known in the world and the cooperation between Egypt and Korea is enhanced through this program. K-Finance Vision Goal Asia No.1 Bank in SME Banking by 2020 Strategy  Enhance the bilateral tie  Fulfill IBK’s social responsibility  Raise IBK brand’s global awareness  Get a foothold in overseas markets  Create new business  Business collaboration - strategic alliance - joint venture

8. Thank you Mail to : sopist0907@ibk.co.kr