EMPOWERING LOCAL BUSINESS TO ACCESS FUNDING. PARTIAL CREDIT GUARANTEE and SUPPLY CHAIN FINANCING

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1 EMPOWERING LOCAL BUSINESS TO ACCESS FUNDING PARTIAL CREDIT GUARANTEE and SUPPLY CHAIN FINANCING

2 Cntents Mandate f the Lesth Natinal Develpment Crpratin Backgrund Enterprise Develpment Facility Partial Credit Guarantee Scheme PCG Plicy Guidelines PCG Deal Flw Prcess Call Flw Prcess Supply Chain Finance SCF Plicy Guidelines SCF Deal Flw Prcess

3 Mandate initiate, prmte and facilitate the develpment f manufacturing and prcessing industries, mining and cmmerce in a manner calculated t raise the level f incme and emplyment in Lesth

4 Backgrund Access t finance has been identified a majr prblem fr lcal private sectr by Natinal Strategic Develpment Plan (NSDP) Financial Sectr Develpment Strategy (FSDS) LNDC Develped the fllwing prgrammes t address this challenge Enterprise Develpment Facility (EDF) The Supply Chain Finance (SCF)

5 Enterprise Develpment Facility (EDF) The framewrk has fur brad strategies Credit Guarantee Scheme (PCG), Equity Participatin, Whlesale Financing and Technical Supprt fr private sectr The Crpratin decided t implement the framewrk in phases starting with Credit Guarantee Scheme

6 Partial Credit Guarantee Scheme (PCG) Objective: is t create a sustainable supprt structure fr the develpment and grwth f Basth majrity wned businesses in Lesth.

7 Partial Credit Guarantee Scheme (PCG) T achieve this bjective, the PCG aims t: Address the limited access t finance by Basth wned businesses by making it easy fr financial institutin t lend t them.; Prmte the exprt business; Prmte labur intensive and thus emplyment generating prjects; Facilitate transfer f technlgy and skills; Develp capacity; and Diversify the ecnmy

8 PCG Plicy Guidelines Plicy Guidelines LNDC Management will develp a budget based n identified prmising and strategic prjects t be apprved by LNDC Bard; Eligible prjects will be thse that wuld have been identified by the Crpratin as strategic and are in line with the bjectives f the facility as stated abve; The facility will finance bth the Greenfield and Brwnfield prjects;

9 PCG Plicy Guidelines Pririty Sectrs Agr-prcessing Mining (except diamnd mining) and quarrying Minerals beneficiatin (e.g. mineral water bttling) Turism (infrastructure) Infrmatin technlgy/ Cnsumer electrnics Franchising Cnstructin Manufacturing

10 PCG Plicy Guidelines Plicy Guidelines Eligible prjects shuld have a majrity sharehlding f Basth. If the majrity sharehlder is a Msth by naturalizatin such a persn must have been a Msth fr at least ten years; The applicant must submit a bankable business plan directly t the bank. The bank shuld prvide its unqualified apprval t LNDC in that regard. The Fund will prvide the Bank with 50% (fifty percent) Guarantee Cverage in respect f Lans extended by the Bank t the Private Sectr Enterprises, regarding shrt, medium and lng term Lans. Qualifying prject prmters must demnstrate the ability t prvide at least 15% cllateral (r as may be required by the bank).

11 PCG Plicy Guidelines Plicy Guidelines Qualifying prjects must demnstrate ability t reach 60% debt t equity rati within their first tw years f peratin. Where apprpriate, an existing entity applying fr funding must submit audited financial statement fr the last 3 years (r fr the number f years in business if less than 3 years), if the latest statement is mre than 6 mnths ld, the mst recent management accunts must als be submitted;

12 PCG Plicy Guidelines Plicy Guidelines The lan amunt t be guaranteed shall nt exceed M (five millin malti). There is n lwer limit. Lans may be utilized fr the purchase f plant and machinery and/r fr perating csts / wrking capital, as well as the purchase f equity stakes in ther cmpanies; Guarantee fees ranging between 1% t 3% wuld be charged annually payable in advance n utstanding balance, thus a debit rder in favur f LNDC fr annual guarantee fee payments must be presented;

13 PCG Deal Flw Prcess In rder t facilitate efficient implementatin and mnitring f the scheme, the fllwing tls were develped: Guarantee Ntice LNDCPCG 001, Applicant Undertaking LNDCPCG 002, Credit Guarantee Certificate LNDCPCG 003, Applicant s Default Ntice LNDCPCG 004, Claim Frm LNDCPCG 005.

14 PCG Deal Flw Prcess Guarantee Ntice LNDCPCG 001 This is an applicatin by the bank t access the facility prvided by the scheme. It is accmpanied by the Applicant s Undertaking, the bank s appraisal (r cpy f the applicant s lan applicatin) and the business plan (where apprpriate).

15 PCG Deal Flw Prcess Applicant Undertaking LNDCPCG 002 This is a declaratin by the client (enterprise) that the infrmatin prvided by him/her is crrect and that he/she has acquired full knwledge f hw the scheme perates. It is submitted tgether with the bank applicatin t the fund.

16 PCG Deal Flw Prcess Credit Guarantee Certificate LNDCPCG 003 The guarantee certificate is a respnse t the Guarantee Ntice. Credit Guarantee is qualified in that it is direct and explicit; uncnditinal; irrevcable (subject t clause 10.5 the f Memrandum f Agreement); legally enfrceable under relevant curts and jurisdictins; partial and bearing n the lan principal nly and based n the principle f final lss sharing.

17 Deal Flw Prcess Private Enterprise Lender PCG Fund Prepares Prject Prpsal Submits applicatin t the bank Meets banks requirements Receives Business Plan Prpsal appraised based n the Nrmal Lending Requirements Bank submits PCG applicatin t LNDC LNDC receives applicatin Review applicatin in line with PCG guidelines LNDC makes decisin within 5 wrking days Lender Lender disburse funds

18 Call Flw Prcess Applicant s Default Ntice LNDCPCG 004 The bank will ldge with the fund the default ntice accmpanied by the claim frm. This serve t infrm the fund f the terminatin f a particular lan agreement under the PCG scheme.

19 Call Flw Prcess Claim Frm LNDCPCG 005 The claim frm prvides a full detailed analysis f the status f the repayment f the lan and includes amunts and receipts, and status f the security. It states amunt claimed by the bank as percentage f the final lss t the bank.

20 Call Flw Prcess Private Enterprise Terminatin event / default Event has ccurred Lender Terminates cntract with brrwer / Bank issues letter f Demand The bank initiates recvery prcess thrugh legal means Makes a call n the Guarantee (submits applicant's default ntice and Claim Frm) PCG Fund LNDC receives and review default ntice and claim frm LNDC pays within 60day Lender Lender receives payment within 60days Lender pursue recvery prcess, and recnciliatin with the fund is dne Deal with brrwer terminated

21 Current Perfrmance f the Scheme The scheme has unlcked M10, 700, in lans frm the three participating banks. The ttal expsure f the scheme as f July 2014 is M5, 350,

22 Thank yu CONTACT: PHONE:

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