1. Oman Economic Forum “Small and Medium Enterprises: Creating Employment Opportunities & Inspiring Innovation” al-Wathbah SME Development at bank muscat By: Ilham Al Hamaid AGM- SME Credit & Marketing & Regional Corporates 19 th March 2014

2. Content Why SMEs? Brief on al-Wathbah SME at bank muscat al Wathbah SME Initiatives / Way forward

3. SME is a driving force for economic growth and job creation SMEs drive & shape innovation, speed-up structural changes, introduce competition and contribute to the productivity. Country’s approach to support and develop SMEs Why SMEs?

4. SME at bank muscat since last 20 years Independent department headed by AGM 43 team members distributed between small, mid and regions ARMs across the country Specialized products and services Al-Wathbah SME at bank muscat

5. What do we offer SMEs?  Financial Services SME Finance: Funded : Overdraft, Loan, Advance (Others), Bill Discounting, Letter against Trust Receipt, etc Non-Funded: Letter of Credits & Guarantees Government Guarantee Program with Ministry of Commerce & Industry Program Lending products  Non Financial Services

6. Non-Collateral Products Contract & Supply Finance Program Purchase Order Finance Receivable Finance Asset Finance Program

7. al-Wathbah SME Non Financial Services  Workshops for SMEs  Seminars at different colleges of the country  al Wathbah Business Zone  CEO Mentorship program - joint efforts with Public Authority of SMEs & Ministry of Commerce & Industry  Tours for the best SME practices  Participation with government initiatives i.e. government guarantee program, exhibitions, sponsorships, etc.

8. al-Wathbah Businesswomen’s initiatives  al Wathbah Businesswomen’s Forum: dedicated web page for business women to network and market their products / services.  Other initiatives: *Al Wathbah Ramadhan Souq *Networking events

9. 2014: Upcoming Initiatives/Way Forward  al Wathbah SME Academy  al Wathbah Businesswomen’s Advisory Forum  al Wathbah SME TV  al Wathbah Business Women Annual Event / Award  al Wathbah SME Souq  Mentoring Entrepreneurs  al Wathbah Centers / Desks  Workshops & networking events across the country

10. Thank You