SME Banking 3.0 is focused on helping the bankers involved with SME borrowers. This includes both line bankers at thecustomer relationship level and ..
credit specialists overseeing lending decisions. As well, specialists in marketing, sales,product development and training who are involved in a bank’s SME service line can better understand. SME Banking3.0 systematically develops staff skills to evaluate both qualitative and quantitative factors and assess the creditworthinessof a small business borrower which is typically unable to provide much in the way of either formal financial reportinginformation or tangible collateral security.
APPRECIATE how business reality is reflected and not reflected in financial reports
IDENTIFY a business’s KSF – key survival factors – that SMEs must be focused on
CONSTRUCT sources of financial information using proxy information
ASSESS the skills and capabilities of small business managers/owners
INTERPRET the real meaning of financial statement figures