Professional Business Consulting for Banks and Microfinance Institutions

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1 Professional Business Consulting for Banks and Microfinance Institutions 15 years on international banking and finance market

2 ABOUT TA CONSULT TA Consult successfully implements banks and MFIs development projects 80 projects in 18 countries DUNS A highly professional unanimous team of experts with vast practical experience in banking and financial consulting in CIS region, Eastern Europe and Central Asia; international best practices and adjusting those to the clients requirements taking into account local markets specifics; continuous search for the most effective practical solutions ensuring development of our clients business; our vision of the project s progress in perspective ensuring sustainable and longlasting success; our close contacts with investors who are interested in implementation of their projects in Eastern European and Central Asian countries. Expert Rating Agency Certificate given to TA Consult as one of the largest consulting groups in Russia The history of our activities starts in 1998 The technology and processes applied by TA Consult is a result of 15- years management and consulting experience of the company s leading experts

3 INTERNATIONAL PARTNERS Our clients and partners

4 LOCAL PARTNERS Our clients and partners

5 We do it and we do it well INSTITUTIONAL BUILDING LENDING RISK MANAGEMENT HR MARKETING ATTRACTING INVESTMENTS Strategic planning Business planning Budgeting Business development Business flows Corporate Governance Organization structure Scoring MSE lending SME financing Agricultural lending Retail lending House lending Internal audit International standards Loan portfolio management Delinquency management IT-audit and support HR technologies Motivation systems Training for staff and top managers Trainings design and delivery HR function audit Event organizing Market and competition research Product development Segmentation Positioning Due diligence Portfolio audit Investor requirements compliance analysis

6 Russian Federation Belarus Ukraine Romania Bulgaria Hungary Italy Spain France UK The Netherlands Slovakia Latvia Malta Tajikistan Turkmenistan Uzbekistan Azerbaijan PROJECTS GEOGRAPHIC COVERAGE

7 MSE Lending SME Lending Portfolio Audit Portfolio Management Delinquency Management Institutional Building Risk Management Marketing HR APS/MIS Agrilending Training Online-training Due Diligence Scoring Sales techniques Working with Banks - I Banks Association of the North-West Federal District SDM-Bank Bank Vozrozhdenie Energomashbank Bank Association Bank of Valletta Hamkorbank Priorbank BPS-Sberbank Bank VTB Belarusbank Belagroprombank

8 MSE Lending SME Lending Portfolio Audit Portfolio Management Delinquency Management Institutional Building Risk Management Marketing HR APS/MIS Agrilending Training Online-training Due Diligence Scoring Sales techniques Working with banks - II BTA Technobank Bank BelVEB Belinvestbank Fransa Bank MTB Belgazprombank RRB-Bank Belrosbank (now Alfa-Bank) Alfa-Bank Narodny Bank Belorussian Bank for Small Business

9 MSE Lending Risk Management Marketing Portfolio Audit Agricultural Lending Training Due Diligence Delinquenc y Manageme nt Strategic Planning IT/MIS Working with MFIs Nachala, Microfond, SIS Credit (Bulgaria) JOBS (Bulgaria) LAM (Romania) OMRO, AIPPIMM (Romania) Express Finance (Romania) FAER (Romania) CP AC (Spain) Crea-Sol (France) PerMicro (Italy) BFS (UK) Qredits (The Netherlands) PRIMOM (Hungary) NADSME (Slovakia) Behnamo, Madina, Chiluchorchashma (Tajikistan) Capitalia (Latvia) AMFA (Азербайджан) Bryansk Microloan Fund (Russia)

10 SDM-Bank Assistance in Implementation of Institution Building Programme (IBP) Key Projects Objective assistance to SDM s management in implementation of the IBP with the purpose to strengthen SDM s corporate governance, strategy, operations and internal procedures Institution Building Corporate Governance Organizational structure Development of Key Performance Indicators (KPIs) Business development and planning Preparation of business and strategy plan Annual budgeting Marketing Strengthening of sales function Creating and implementation of brand Diversifying client base and loan portfolio Risk Management Establishment of in dependent RM division Determining gaps and suggesting corrective measures Developing and implementing automated system to monitor fraudulent transactions in retail Name of client: SDM-Bank (EBRD project) Country: Russian Federation Implementation period:

11 Russian Federation: Russia Small Business Fund Bank Vozrozhdenie MSE Lending Support Key Projects MSME Lending/ Institution Building Objective to help Bank Vozrozhdenie further implement and maintain the overall sound strategies for lending to MSEs in the new branches ensuring sustainability of MSE lending operations and high portfolio quality. The Consultant introduced microlending activities in two new regional branches in Novorossiisk and Volgogrand: - trained expert managers and support specialists in charge of all stages of credit process (customers attraction, financial and economic analysis, etc.) including basic seminars and on-the-job training; - trained branch management and Credit Committees' members on credit analysis and decision making principles and control according to the existing methodology; - monitored the lending process on all stages in the designated branches; - selected heads of microlending departments on the branch level; - analysed and evaluated the microfinance lending results and made suggestions for adjustment of the lending policy/methodology; - expanded and developed sales channels for MSE clients segments. Name of client: Bank Vozrozhdenie (EBRD project) Country: Russian Federation Implementation period:

12 Belarus: EBRD MSE/SME Finance Framework: MSME Credit Advisory Services Key Projects MSME Lending/ Institution Building Banks: BPS-Sberbank, Belgazprombank, BTA, MTBank, Belrosbank, Priorbank,RRB-Bank, Belarusian Bank for Small Business, Belvnesheconombank Launching MSME lending outlets in all PBs, including setting up relevant organizational structure and streamlining of lending procedures Training loan officers, HR and management staff (classroom seminars and on-the-job coaching) Improving all related functions at PBs (back office, IT, internal audit, product development and marketing) Over 37,300 loans disbursed during the Programme for the total amount of over USD 837 million. Name of client: EBRD Country: Belarus Implementation period:

13 KfW: German Belarusian SME Financing Conference Key Projects Microfinance Development Support Objective to contribute to strengthening SMEs in Belarus, to development of SME financing instruments by Belarusian banks and linking German and Belarusian SME financing structures The key topics discussed during the Conference: - SMEs in Belarus: legal framework, development obstacles and perspectives, financing conditions; - Instruments, supporting SME development on the national and local level; - SME financing in Belarus, role in facilitating SMEs development. German experience in SME financing. Name of client: KfW/German Federal Ministry of Finance Venue: Minsk, Belarus Date: December 2010 UNDP. Support to Microfinance Development in Belarus Objective to improve access of population and small business to finance and credit resources by developing microfinance services and raising financial culture of population. TA Consult experts designed and delivered a series of seminars targeting loan officers and management level staff of banks and financial institutions. Name of client: UNDP Country: Belarus Implementation period:

14 Europe: EIF JASMINE: Joint Action to Support Microfinance Institutions Key Projects Objective developing and delivering tailor-made trainings for MFIs JASMINE beneficiaries, in line with their strengths and weaknesses identified by Planet Rating or Microfinanza Rating. Training TA Consult designed and delivered a series of trainings for non-banking microcredit providers throughout European Union (Bulgaria, Romania, Hungary, Latvia, Spain, Italy, France, the Netherlands, the United Kingdom, Slovakia, Malta) in good governance, strategic planning, risk management, marketing, MSME lending technology and financial analysis. Name of Client: Polish Microfinance Centre Country: Western, Eastern and Central Europe Implementation period: Pilot initiative of European Commission, European Investment Bank and European Investment Fund

15 USAID Agroinvest. Market Survey on Current Status of Agrilending to SMPs Key Projects Objective to identify focus subsectors (agri-food products) and opportunities for development of effective agrilending to SMPs by Project partner FIs. The market survey coverd all 24 oblasts of Ukraine and the Autonomous Crimean Republic. The Consultant gathered information for each oblast on: Research Market Analysis Agrilending 1. Most typical agro-production lines for SMPs; 2. Number of SMPs per oblast categorized into farm size; 3. For each agro-production line: - factors (climatic, soil, irrigation/drainage, etc.) that affect the line s gross margin; - expert forecast of the potential growth/shrinkage of the line by oblast; - investment potential. 4. List of financial institutions, active in agrilending to SMPs by oblast. The Consultant provided expert advice and recommendations to banks and credit unions on priority oblasts for launching agrilending products for SMP, based on the analysis of optimal size categories of target SMPs and optimal agro-production lines in current and potential demand. Name of client: CHEMONICS INTERNATIONAL INC. Country: Ukraine Implementation period: 2012

16 USAID Agroinvest: Developing manuals and conducting training in agricultural technologies and economics Key Projects Training Agricultural lending Objective to improve qualification of loan officers of Ukrainian banks and credit unions in the area of efficient agricultural lending to small and medium agricultural producers (SMP). The project consists of 2 tasks: Task 1. To develop the following model training modules for further trainings - Field crop production, Vegetables, Orchards, Intensive horticulture; Dairy farming; Pig breading. Task 2. To conduct 25 trainings for credit officers from AgroInvest partner banks and credit unions based on the Work Orders issued by Chemonics. The training sessions are taking place in the regional (oblast) centers of Ukraine and in Kyiv. Name of client: CHEMONICS INTERNATIONAL INC. Country: Ukraine Implementation period: 2013 till present

17 Why TA Consult? We offer our professional, objective independent vision of your problems and offer a solution. Our extensive international experience, knowledge of the large team of highly qualified experts obtained in different countries of the world and in different companies, solutions developed over years and understanding what works best in each particular situation. Our ability to maintain flexibility in the project implementation paying close attention to all individual specific needs and requirements of the client We first analyze your business s current situation, your individual goals and objectives, and further develop strategic plan taking into account existing problems, draft business development plan and bring it to life. TA Consult suggests joining efforts in achieving our common goal success and prosperity of your business. Our task as we see it is to introduce the processes that are fully operational and sustainable after our consultants leave the company!

18 CONTACT US: Russian Federation Belarus The United Kingdom Ukraine Elena Kudryavtseva St. Petersburg Office Director Iryna Aleksa Minsk Office Director Mikhail Hradovich London Office Director Elena Bevz Kiev Office Director Tel.: Tel./fax: Tel.: Tel./fax: Tel: Fax: Tel.: Office 13 - Н Ul. Bolshaya Raznochinnaya, 19 А, St. Petersburg, Office 15 Ul. Pionerskaya, 37А Minsk, Fulham High Street, Fulham Green Chester House, SW6 3J, London, UK Office 12, Ul. Zlatoustovskaya, 82 Kiev, 01135