MAYBANK S SME FINANCING SCHEMES OPPORTUNITIES FOR GREEN TECHNOLOGY SECTOR

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1 MAYBANK S SME FINANCING SCHEMES OPPORTUNITIES FOR GREEN TECHNOLOGY SECTOR KJ Balan Head, Business Development, SME Banking Community Financial Services

2 BACKGROUND OF GREEN TECHNOLOGY IN MALAYSIA April 2009 Ministry of Energy, Green Technology and Water ( KeTTHA) was established July 2009 National Green Technology Policy was launched January 2010 First meeting was held among the National Green Technology Council 2

3 NATIONAL GREEN TECHNOLOGY PILLARS ENERGY ENVIRONMENT ECONOMY SOCIAL Seek to attain energy independence and promote sufficient Conserve and minimize the impact on the environment Enhance the national economic development through the use of technology Improve the quality of life for all 3

4 FUTURE OF GREEN TECHNOLOGY IN MALAYSIA Policy Statement I would also like to announce here in Copenhagen that Malaysia is adopting an indicator of a voluntary reduction of up to 40 % in terms of emissions intensity of GDP by the year 2020 compared to 2005 levels. This indicator is conditional on receiving the transfer of technology and finance of adequate and correspond to what is required in order to achieve this indicator Green Technology shall be a driver to accelerate the national economy and promote sustainable development. Reference : National Green Technology Policy Reference: YAB PM at COP15, Copenhagen on 17th December

5 PERSPECTIVE OF GREEN TECHNOLOGY Source: Malaysia Green Technology Corporation 5

6 GREEN INVESTMENT OPPORTUNITIES Economic Transformation Programme (ETP) report in October 2010 aimed to achieved real GDP growth of 6% per year for the next decade. FDI expected to pick up in the next 1-2 years and private investment growth including green technology in 2011 may hits government forecast of 10.2% A minimum of 52,000 jobs are expected to be created to construct, operate and maintain RE power plants by Targeted National Outcomes Parameter No. of Green Jobs 304, ,364 National GDP (RM million) 67, , National GNI (RM million) 65, , Source: Green Technology Roadmap Phase 1 6

7 KEY AREAS (GTFS) ENERGY SECTOR BUILDINGS AND TOWNSHIP SECTOR WATER AND WASTE MANAGEMENT SECTOR TRANSPORTATION SECTOR 7

8 CRITERIA FOR ENERGY SECTOR NO. A TYPE OF ENERGY CRITERIA Renewable: Hydro, Solar, Fuel Cell,Wind,Kenatic,Biomass and combustible waste. ENERGY SUPPLY SECTOR: SCOPE: Application of Green Technology in power generation and in the energy supply side management, including co-generation by the industrial and commercial sectors B ENERGY UTILISATION SECTOR : SCOPE: Application of Green Technology in all energy utilisation sectors and in demand side management programes. 8

9 CRITERIA FOR BUILDINGS AND TOWNSHIP SECTOR NO. CRITERIA A Energy Efficiency & Renewable Energy B Indoor Environmental Quality C Sustainable Site Planning & Management D Materials & Resources E Water Efficiency F Innovation 9

10 CRITERIA FOR WATER AND WASTE MANAGEMENT SECTOR NO. A SCOPE: CRITERIA Technology in the management and utilisation of water resources TYPE OF WATER: Fresh water (tap or portable), water for industrial processes, agriculture and grey water B SCOPE: Waste water treatment, solid waste and sanitary landfill TYPE OF WASTE: Garden waste, Industrial waste (i.e. spent bleaching earth, waste edible oil, POME), Municipal waste (MSW), Agricultural waste, Organic waste, Sewage 10

11 CRITERIA FOR TRANSPORTATION SECTOR NO. CRITERIA SCOPE: Incorporation of Green Technology in the transportation infrastructure, vehicles and fuel, in particular, bio-fuel, electric vehicle and mass public transport system. A INFRASTRUCTURE Green infrastructure B GREEN FUEL Green fuel production C VEHICLE Alternative Fuel and Electric Vehicle (i.e. taxi, bus, etc) 11

12 APPLICATION PROCEDURE GTFS APPLICATION BUSINESS REVIEW PRESENTATION TECHNICAL EVALUATION FINANCING APPLICATION GUARANTEE APPROVAL 12

13 GTFS APPLICATION Supporting Document Online via website ( mail/hand) GreenTech Malaysia s office GreenTech will give notification whether accepted or rejected 13

14 BUSINESS REVIEW PRESENTATION Passed screening process Present project business ( 30 minutes ) Only applicant that deemed commercial viable will be further process 14

15 TECHNICAL EVALUATION Application will be evaluated Additional information must be provided (data/drawing/report) technical evaluation purpose Technical Evaluation team will submit and present the GTFS project to the GTFS Technical Committee (GTC) for their consideration and approval Green Project Financing Recommendation Certificate will be issued (valid for six (6) months from the issuance date) All applicants will be officially notified on their approval status 15

16 FINANCING APPLICATION Successful applicants will apply for financing at any financial institutions ( FIs ) of their choice. Loan application will be evaluated by FIs Letter of Offer will be issued 16

17 GREEN TECHNOLOGY FINANCING SCHEME (GTFS) Has zero or low green house gas (GHG) emission Minimises the degradation of the environment Safe for use and promotes healthy and improved environment for all forms of life Promotes the use of renewable resources Conserves the use of energy and natural resources 17

18 18 PRODUCT FEATURES ( GTFS)

19 GUARANTEE APPROVAL Credit Guarantee Corporation Malaysia Berhad (CGC) will provide a guarantee of 60% on the approved financing amount. Letter of Guarantee will be issued A guarantee fee of 0.5% per annum on the total guarantee amount will be charged to the borrower. 19

20 BNM DEFINITION ON SME Sector Size Primary Agriculture TURNOVER Manufacturing (including agrobased) & MRS Services Sector (Including ICT) Micro <RM200k <RM250k <RM200k Small RM200k RM1 mill RM250k RM10 mill RM200k RM1 mill Medium RM1 mill RM5 mill RM 10 mill RM 25 mill RM 1 mill RM 5 mill Sector Size Primary Agriculture NUMBER OF EMPLOYEES Manufacturing (including agro-based) & MRS Services Sector (Including ICT) Micro < 5 < 5 < 5 Small Medium

21 NEW SME DEVELOPMENT FRAMEWORK VISION Creation of globally competitive SME s across all sectors that enhance wealth creation and contribute to the social well-being of the nation GOALS Increase Business Information Expand Number of High Growth & Innovative Firms Raise Productivity Intensify Formalisation FOCUS AREAS Innovation & Technology Adaption Human Capital Development Access to Financing Market Access Legal & Regulatory Environment Infrastructure ACTION PLAN INSTITUTIONAL SUPPORT Reliable Database Monitoring & Evaluation Effective Coordination Effective Business Services Source: SME Corporation Malaysia 21

22 DISTRIBUTION(%) OF SME s BY SIZE & LEGAL STATUS Source: SME Census 2011, Department of Statistics, Malaysia (DOSM) 22

23 SME s ESTABLISHMENT BY SECTOR Sector Total Establishments (a) Total SMEs (b) Percentage (%) of SMEs over Total Establishments (b) / (a) *100 Overall Total 662, , Services 591, , Manufacturing 39,669 37, Agriculture 8,829 6, Construction 22,140 19, Mining & Quarrying Source: Economic Cencus 2011, Profile of Small & Medium Enterprise 23

24 FINANCIAL LANDSCAPE FOR SME s FINANCIAL LANDSCAPE FOR SME s BNM Special Funds and Guarantee Schemes Government Funds & Schemes BANKING INSTITUTIONS Credit Guarantee Schemes Credit Bureau Malaysia DEVELOPMENT FINANCIAL INSTITUTIONS Government Crisis Funds Venture Capital Companies Leasing & Factoring Ar-Rahnu & Pawn Booking Microfinance Institution Source: SME Annual Report 2011/12 24

25 SOURCE OF FINANCING OF SMEs Source: Economic Cencus 2011, Profile of Small & Medium Enterprise 25

26 FINANCING OUTSTANDING AS AT END JUNE 2012 Source: SME Annual Report 2011/12 26

27 FINANCING OPTION FOR SME s Banks Commercial & Islamic Banks Non Banks Development Financial Institution (DFI) Credit Co-operatives Government Agencies Name of Development Financial Institution (DFI) 1 Malaysia Building Society Berhad 2 Malaysian Technology Development Corporation 3 Malaysian Industrial Development Finance Berhad 4 Bank Pembangunan Malaysia Berhad 5 Bank Perusahaan Kecil & Sederhana Malaysia Berhad (SME Bank) 6 Bank Pertanian Malaysia Berhad 7 Sabah Credit Corporation 8 Sabah Development bank Berhad 9 Bank Kerjasama Rakyat Malaysia Berhad (Bank Rakyat) 10 Borneo Development Corporation (Sarawak) Sdn Bhd 11 Borneo Development Corporation (Sabah) Sdn Bhd 12 Perbadanan Usahawan Nasional Berhad 13 Perbadanan Nasional Berhad 14 Johor Corporation 15 Bank Simpanan Nasional 16 Credit Guarantee Corporation Malaysia Berhad 17 Majlis Amanah Rakyat 18 Export-Import Bank of Malaysia Berhad 19 Tekun Nasional 20 Amanah Ikhtiar Malaysia 21 Cradle Fund Sdn Bhd 27

28 BANKING & FINANCIAL INSTITUTION 28 Which banks provide conventional loans and Islamic financing? Bank Conventional Islamic 1 Affin Bank Berhad 2 Al Rajhi Banking & Investment Corporation (Malaysia) Berhad 3 Alliance Bank Malaysia Berhad 4 AmBank (M) Berhad 5 Asian Finance Bank Berhad 6 Bank Islam Malaysia Berhad 7 Bank Muamalat Malaysia Berhad 8 Bangkok Bank Berhad 9 Bank of America Malaysia Berhad 10 Bank of China (Malaysia) Berhad 11 Bank of Tokyo-Mitsubishi UFJ (Malaysia) Berhad 12 BNP Paribas Malaysia Berhad 13 CIMB Bank Berhad 14 Citibank Berhad 15 Deutsche Bank (Malaysia) Berhad 16 Hong Leong Bank Berhad 17 HSBC Bank Malaysia Berhad 18 Industrial and Commercial Bank of China (Malaysia) Berhad 19 JP Morgan Chase Bank Berhad 20 Kuwait Finance House (Malaysia) Berhad 21 Malayan Banking Berhad (Maybank) 22 Mizuho Corporate Bank (Malaysia) Berhad 23 National Bank of Abu Dhabi Malaysia Berhad 24 OCBC Bank (Malaysia) 25 Public Bank Berhad 26 RHB Bank Berhad 27 Standard Chartered Bank Malaysia Berhad 28 Sumitomo Mitsui Banking Corporation Malaysian Berhad 29 The Bank of Nova Scotia Berhad 30 The Royal Bank of Scotland Berhad 31 United Overseas Bank (Malaysia) Bhd

29 CREDIT EVALUATION FRAMEWORK DOCUMENTS TO BE COLLECTED FROM CUSTOMERS EVALUATION PURPOSE 1. Form 24 & Form 49 (for Sdn Bhd) or Business Registration/Business License (for SPP) 2. Memorandum & Article of Association and Certification of Incorporation (for Sdn Bhd only) 1. Experiences 2. Genuineness of a business 3. Latest two (2) years Financial Statements 4. Latest six (6) months Bank Statements 1. Financial track record 2. Feasibility & resilience 5. NRIC of Directors/ Shareholders/ Partners/ Proprietor/ Guarantors (where applicable) 1. Conduct of account 2. Credit behaviour 6. Duly signed Credit Bureau Malaysia Consent Form* 7. Other collateral information (where applicable) 8. Other income information (where applicable) 1. Commitment & support 2. Economic condition & viability 29

30 30 THANK YOU

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