Projects

 

Belarus: Belinvestbank Institution Building Programme

Country: Belarus; Status: ongoing, November 2016 – April 2019

Name of client: EBRD

Project description:
The overall objective
of TA Consult in this project is to assist the BIB with institutional strengthening, further commercialisation and increasing its investment attractiveness through the implementation of an IBP, which will focus on:

·         Strengthening of Corporate Governance and organisational restructuring;
·         Strengthening of business operations in retail, MSME and corporate segments, including commercialisation of lending under state programs;
·         Improving risk management and internal control function;
·         Increasing the efficiency of the IT function to ensure it can fully support business operations;
·         Strengthening the Human Resources (“HR”) function;
·         Enhancing product development and marketing activities.
 

Belarus: Belinvestbank Institution Building Programme - Strengthening Capacities for MSME Lending

Country: Belarus; Status: ongoing, May 2016 – November 2018

Name of client: EBRD

Project description:

The objective of the Assignment is to increase BIB’s efficiency and competitiveness in providing MSME loans in Minsk and 5 regions in Belarus on a sustainable basis including through identification of gaps, impediments and risks in the current MSME lending system and implementation of institutional capacity building measures.

The MSME credit advisory services allow not only to identify gaps in the key aspects of working with MSME but introduce a systemic approach to MSME lending, help develop and improve the lending methodology, policies, processes, procedures and systems at BIB in MSME lending, improve its underwriting and problem loan workout policies and procedures, strengthen its staff’s skills in credit analysis, assessment of environmental and social risks, monitoring and problem loan workout. The objectives of the Assignment are therefore focused on the following aspects of MSME lending:

·         reviewing and adapting MSME lending methodology, procedures and processes;
·         MSME underwriting techniques;
·         credit risk management, including environmental and social aspects;
·         staff selection and training;
·         marketing/customer service;
·         new product development;
·         portfolio quality management;
·         arrears management.

The scope of the assignment:

·         Conducting an assessment of the current MSME operations at BIB to identify gaps in the key aspects of MSME servicing as well as major impediments and risks to successful development of MSME lending operations;
·         Providing recommendations on improving MSME lending operations at BIB;
·         Training specialised lending personnel through classroom seminars and on-the-job training;
·         Conducting seminars and workshops for senior and middle managers, loan officers, risk managers and back-office staff on all relevant aspects of MSME lending should be conducted;
·         Implementing institution-building measures in BIB to ensure the sustainability of MSME lending after the end of the Assignment.

 

Russian Federation: Support with Developing Standards for Microlending

Country: Russian Federation; Status: completed, March 2017 – March 2018
Name of client: EBRD

Project description:

The project aims to facilitate MSME support in the Russian Federation by a gradual standardization of approaches to MSME lending for market participants with the objectives to improve risk management, to develop and diversify financial market operations as well as to protect consumer rights as in particular micro enterprises. Within the project the Consultant provides assistance to the Central Bank of Russia in developing the following standards:

A.       Standard for Risk Management;
B.       Standard for Financial Markets Operations (including underwriting and attraction of funding from individuals;
C.        Standard for Assessment of MFIs (for banks);

The key focus of the assignment is:

·       Review and improvement of the existing draft Basic Standard for MFIs on risk management;
·       Assistance in the development of a Basic Standard for Financial Markets Operations (including loan underwriting and attraction of funds from individuals);
·       Assistance in the development of a Basic Standard for the MFIs’ Assessment;
·       Presentation of the above mentioned standards to the market and providing training to market participants.

 

Turkmenistan: Strengthening Capacities for Financial Intermediaries for MSME

Country: Turkmenistan; Status: completed, July 2014 - July 2017

Name of client: EBRD

Project description:

The objective of the TC project is to help develop and improve the MSME lending methodology and procedures in Turkmen banks through institutional capacity building measures.  The project extends to both private and state banks of Turkmenistan – partners of the EBRD MSME project and involves the following activities:

- Implementation of an MSME lending scheme tailored to finance the needs of eligible MSMEs in 2 banks of Turkmenistan;
- Support of institutional strengthening of the PBs;
- Training local managers and loan officers in various techniques of analysing and granting loans and in various methods of recovering them;
- Overseeing proper credit analysis of borrowers; administering and supervising loans and the monitoring of the lending programme overall; problem loan analysis; administration of collection efforts; administration of write-offs and training; and assessment of local personnel;
- Assistance to EBRD in its policy dialogue with the Turkmenistan Government on MSMEs and access to finance, to remove obstacles to efficient MSME lending;
- Ensuring the EBRD environmental and social due diligence procedures are followed by partner banks. 


SDM Bank – Assistance in Implementation of Institution Building Programme

Country: Russian Federation; Status: Completed, 2011-2013
Name of client: SDM Bank, EBRD

Project objective: to assist SDM’s management in implementation of the IBP with the purpose to strengthen SDM’s corporate governance, strategy, operations and internal procedures, including environmental and social, thereby increasing SDM’s efficiency with the goal to increase SDM’s value and attractiveness during the period of EBRD’s Investment.


RSBF TC Programme/BANK Vozrozhdenie –  MSE Lending Support

Country: Russian Federation; Status: Completed, 2012
Name of client: DAI Europe Ltd. 

Project objective: to help Bank Vozrozhdenie 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.

Achievements:

  • New microlending programme has been rolled out in two bank branches – in Novorossiysk and Volgograd;
  • Necessary management, credit staff are selected and trained for efficient microlending operations in above branches (6 LOs were trained in financial analysis and client acquisition, 6 branch managers were trained in decision making principles on loan approval);
  • Train-the-trainer programme and the internal MSE-lending knowledge replication facility has been placed.


Selected Agent for Implementation of JASMINE Program (EIB project realized by MFC, Warsaw)

Countries: Spain, France, Italy, the Netherlands, UK, Malta, Bulgaria, Romania, Hungary, Slovakia, Latvia.
Status: Completed, 2010-2013

Project objective: to provide tailor-made trainings to JASMINE Beneficiaries in line with the strengths and weaknesses identified by Planet Rating or Microfinanza Rating agencies and reported in their assessment reports.

Achievements:

TA Consult designed and conducted series of trainings for more than 20 non-bank microcredit providers throughout European Union in credit process methodology/ optimization, good governance, strategic planning, credit scoring, IT support and risk management, including risks linked with external sources of funding.



Training “Marketing and Brand Building”

Clients:  1) Hamkorbank, Andijan, Uzbekistan;   2) AMFA, Baku, Azerbaijan, Status: Completed, 2012 - 2014

Project objective: to increase professional level of the client’s staff in marketing, brand building and product development

Achievements:    

TA Consult Partners designed and conducted tailor-made trainings covering:

  • Marketing goals and strategies
  • Segmentation and competition analysis
  • SWOT – analysis
  • Principles of marketing research
  • Branding
  • Development and promotion of credit products

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