- 4.7 Instructor Rating
- 9 Courses
Introduction to Small Business Finance
1.1. Defining a small business is different around the world
1.2. Some of the best small business finance models from around the world
1.3. The A-Z of how small businesses are financed
2.1. Credit process: commercial loans vs consumer/SME loans
2.2. Dealing with SME ‘financials’ (or the absence of financials)
2.3. Why are accounting policies important?
2.4. Making your borrowers more effective
3.1. Finance vs banking
3.2. Debt vs equity
3.3. Financial intermediation
3.4. Why do SMEs borrow and why should an FI lend to SMEs?
4.1. What needs to change at SMEs?
4.2. Identifying key products and services suitable to your target market
4.3. Lending on receivables and inventory
4.4. Lend the product that suits the borrower’s need, not necessarily what the borrower asks for
5.1. Going slowly into a banking relationship, not quickly into a banking transaction
5.2. Mechanics of booking and reviewing SME transactions
5.3. Understanding 5C’s of Credit
5.4. A layman’s approach to terms and conditions
6.1. Early identification of potential small business default:
6.2. Financial vs non-financial warning signals
6.3. Strategies available to manage small business default
6.4. Breaking down debt into negotiable elements
7.1. Why are good environmental practices relevant to finance?
7.2. Potential impact on profits and cash flows?
7.3. Potential impact on collateral, borrowers and lenders?
7.4. Climate change and finance?
8.1. Products which your financial institution can offer to its SME clients?
8.2. Non-bank services including cash processing, wages, pension fund management, forex management and export related support
9.1. Building strong customer relationships and sustainable operating profits
9.2. Top-down credit analysis to manage change
9.3. What can change the sustainability of your borrower’s operations?
9.4. Possible ways to deal with black swan events
10.1. How is your institution organised around small business finance?
10.2. Key SME functions each FI needs to have:
Small businesses are the veins and arteries of the economy. Millions of imaginative, hardworking and self-motivated individuals respond creatively to the demands of the economy in the respective countries we come from.
The financial services industry’s ability to serve the small business world is crucial in ensuring the continued success for any economy. But serving the community requires considerable and specific skills, as well as an instinct for this business. It also requires an understanding of how technology and innovation can be used to succeed in this fierce competition for the business of the small customer.
Where banks are failing small businesses today, new forms of financing support are coming in to take the place of traditional players. More important than selling credit, banks have to learn how to sell a sense of community and mutual support.
This training is designed to be carried out digitally for the benefit of your promising employees in this business.
Expert in SME Banking, Credit and Risk Management Advisor, Excellence in Retail Financial Services Awards Programme, The Asian Banker
Andrew McRobert is a credit and risk management specialist in development, commercial and SME banking. He currently runs a training and consulting firm in SME and small business banking. He started his banking career in Citicorp and has also held various positions in commercial banking. Andrew had also worked in corporate finance at Price Waterhouse in Jakarta, Indonesia and has undertaken credit, problem loans and risk management assignments for the Asian Development Bank, IFC, African Development Bank and others. He has designed, written and presented financial markets seminars in nearly 30 countries in the Asia-Pacific, Middle East and African markets.
Banks have not experienced a significant deterioration in asset quality of their MSME exposure, supported by various policy measures.
China has the largest green loan balance in the world, estimates place its green loan balance at $3.3 trillion by end of 2022
Dennis Khoo, author and former UOB TMRW head, in this wide-ranging interview discussed the lessons from setting up one of the first digital banks in Southeast Asia, the imperative for incumbents to start a digital-only bank experiment and offers a road-map to it.
Licensed digital banks and P2P/marketplace platforms focused on alternative business lending to SMEs are overcoming operating and market challenges to scale and sustain their businesses. Leading players are charging ahead with more comprehensive service solutions and expanding regionally.
The rapid digitalisation of MSMEs, emergence of new digital-native business models and niche segments have become a key focus area for financial technology
Some countries in Asia Pacific posted stronger growth in bank lending to small businesses between 2019 and 2021 as compared to the period from 2017 to 2019
Research Director, TABInsights
Christian Kapfter is managing director of TAB Insights, the research arm of The Asian Banker and TAB Global. He has been the head of the Excellence in Retail Banking programme since 2008. TAB Insights, which has developed a rich repository of the data on the global digital banking industry, publishes the annual Digital Banking Ranking, the key findings of which will be shared in this programme. Christian also provides banks with internal benchmarking consulting services and help with their vendor selection exercises.
Other subject matter specialists are brought into the programme from time to time to tap their respective areas of specialty.
Chief Digital & Technology Officer, Partner, & Advisor
Axel Winter is a highly experienced technology leader with strong hands-on experiences in the banking, retail and start-up worlds. He was previously Global Head of Enterprise Architecture & Technology Strategy for Standard Chartered Bank and had similar roles at GE Money and Cisco Systems. He is currently the Chief Digital Officer for a luxury mall operator and advises start-ups in asset tokenization and eCommerce. His expertise in technology infrastructure for banks and large businesses makes him a valuable contributor.
Chairman, Wealth and Society
Gordian Gaeta has been an investment consultant for more than 25 years. He has advised and served many of the leading financial services organisations across Asia and close to half of the top 100 banks worldwide. He specialises in developing and implementing analytical solutions for complex strategic issues in financial services-related industries undergoing significant change or being exposed to intricate risk issues. He is currently the principal of Leopard Capital. As chairman, he convenes the advisory boards in their core function of validating the matrices used in the programmes ratings, rankings and awards to ensure that they are conducted in a professional, impartial and accountable manner.
Former International head of retail banking , and Bord Member
Wilson Chia is one of the most experienced digital bankers in the world with over 30 years as a career banker, mostly with Standard Chartered Bank in international positions. He currently advises CEOs of leading banks in emerging markets on digitalising traditional business lines. His strong financial background and expertise in balance sheet, funding, and product disciplines make him a valuable contributor to the program's operational areas.
Expert in SME Banking, Credit and Risk Management
Advisor, Excellence in Retail Financial Services Awards Programme, The Asian Banker
Andrew McRobert is a credit and risk management specialist in development, commercial and SME banking. He currently runs a training and consulting firm in SME and small business banking. He started his banking career in Citicorp and has also held various positions in commercial banking. Andrew had also worked in corporate finance at Price Waterhouse in Jakarta, Indonesia and has undertaken credit, problem loans and risk management assignments for the Asian Development Bank, IFC, African Development Bank and others. He has designed, written and presented financial markets seminars in nearly 30 countries in the Asia-Pacific, Middle East and African markets.
Founder, TAB Global
Emmanuel Daniel is the founder of TAB Global which includes The Asian Banker, Wealth & Society, RadioFinance, The Banking Academy and The Skill Store. He is an award-winning writer and author with a background in management consulting. He previously served in several government advisory councils, interviewed some of the leading chairmen, chief executive officers, policy makers and entrepreneurs around the world and currently consults with banks on investor, media relations and strategy formulation. His recent book, The Great Transition - The personalization of Finance is Here, was published in September 2022.
Chairman and Founder, Triple Bottom Line Investing (TBLI) Group
Member of Advisory Council, Wealth and Society
Robert Rubinstein, chairman and founder of TBLI Group, has been instrumental in building the environmental, social, and governance (ESG) and impact investing ecosystem, even before these terms were coined. He taught courses in sustainable finance at the Rotterdam School of Management from 2003-2006, and delivered numerous lectures at international business schools and universities throughout his career.
TBLI is a leading global ESG/impact investing network that has been educating, advising and connecting investors for 25 years.
Mr. David Gyori is a globally renowned fintech consultant, trainer, author and keynote speaker. He is the chief exefcutive officer of Banking Reports based in London and is a founding member of the World FinTech Association. Gyori is a faculty member of the Retail Banking Academy, one of the most prestigious banker-training facilities.