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The Small & Medium Enterprises (SMEs) Department was established in 2009 by the Egyptian Banking Institute (EBI) in line with the Central Bank of Egypt’s (CBE) directions in bridging the gap between bankers and SMEs and facilitating SMEs access to finance to create an enabling Ecosystem for them in Egypt. Since then, the SMEs department has been addressing various aspects in the SME’s field through a wide range of international and local training programs and certificates, conferences & seminars, consultative round table meetings, studies and applied researches, study tours and entrepreneurship activities and training packages.

The SME training department also helps banks in the field of SME Banking to help them set up SME banking within their operations with the necessary infrastructure and tools to facilitate the process of extending good quality lending to the SME sector. Technical Advisory takes place through: Short Term Interventions (Down Scaling Model) & Long-Term Interventions (Up scaling Model).

Furthermore, EBI initiated a national SME census under the supervision of the Central Bank of Egypt. This is a collaborative project with the Central Agency for Public Mobilization and Statistics (CAPMAS), and the Centre of Surveys and Statistical Applications (CSSA) at the Faculty of Economics and Political Science, Cairo University. The data base was launched in February 2012 to be used by all banks in order to enhance the visibility and effectiveness of the SME sector. An SME Web Portal has also been developed to avail information on SME Banking, training programs, studies and researches as well as the data of the SME census to support banks’ planners and decision makers as well as all stakeholders of SME promising sector. You can access the portal through this link: http://sme.ebi.gov.eg/

Through the SME’s Heads Forum, meetings are conducted between banks’ SMEs unit heads, where international best practices and up-to-date issues related to SME Banking are presented. Also, among the objectives of the forum is to assess banks training needs in SME banking to set our training plan accordingly. Also, consultative round table meetings are organized in a frequent manner with different promising sectors to construct supportive linkages between banks and the entire sectors dominated by SMEs. The SME department also organizes study tours to advanced countries in SME banking. The study tours witnessed the African, European, Eastern Europe and South Asian experiences, and were specifically designed to enhance SME bankers’ capabilities based on the International best practices.

EBI also aims to spread awareness on Financial Inclusion and Entrepreneurship through actively communicating to youth on how to bring their ideas to life and take it further as a profitable business. As such, the SMEs department has been penetrating the Entrepreneurs Ecosystem using its resources as well as EBI’s local and international partners to train more than 4000 Entrepreneurs through more than 160 training rounds. And with this, EBI’s current and future activities are positioned on the “Entrepreneurship Ecosystem Map of Egypt”.

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SME Banking for Bankers

Course Hours:  20

Course Description: This course will explain the compelling importance for entering (or further developing) SME banking for banks in Egypt; teach the key techniques and success factors (at international best practices) which are needed to make profits in SME banking; and map out an implementation plan, including change management techniques, for moving forward on SME banking.

Product Development for SME Banking

Course Hours:  24

Course Description: The course aims at explaining the product development process cycle, introduce participants to the different tools of building a competitive product range. The participants also, get a chance to illustrate the methods of analyzing SME product client matrix and explain the success factors in international best practices needed for effective SME banking.

 

Marketing and Delivery Channels for SME Banking

Course Hours: 24

Course Description: This course has a fourfold purpose, which is to identify SME clients’ different needs. More emphasis will be given to determine how to market SME products and services. All participants will get acquainted with the procedures of delivering SME banking products. It identifies the success factors and international best practices needed for effective SME banking

Risk Management for SME Banking

Course Hours:  24

Course Description: This course will enable bankers to understand the fundamental causes of risk in SME banking and the tools, processes and organization required to manage those risks.  The course also exposes participants to the success factors and international best practice needed for effective SME banking risk management.

Strategic Planning for SME Banking

Course Hours:  24

Course Description: In this course, participants will acquire the basic skills required for the preparation process of setting up a new or reforming an existing Small and Medium Enterprise Banking Business Line in their banks.  This will be done through preparing a strategic plan and a business plan for this business line.

Role of Branch Managers in Enhancing SME Credit Portfolio – Tools and Methods

Course Hours:  24

Course Description: This course is designed for Branch Managers in the banking sector. The course will enable Branch Managers to understand the nature and characteristics of the SME market in Egypt. Participants will also get acquainted with the impact of the banking sector in enhancing the SME market. Branch Managers will learn new tools and techniques to enhance the Small and Medium Enterprises credit portfolio.

SME Banking for Bankers

Course Hours: 20hrs.

Course Description: This course will explain the compelling importance for entering (or further developing) SME banking for banks in Egypt; teach the key techniques and success factors (at international best practices) which are needed to make profits in SME banking; and map out an implementation plan, including change management techniques, for moving forward on SME banking.

 

Marketing and Delivery Channels for SME Banking

Course Hours: 20hrs

Course Description: This course has a fourfold purpose, which is to identify SME clients’ different needs, to determine how to market SME products and services; to acquaint with the procedures of delivering SME banking products and to identify the success factors and international best practices needed for effective SME banking. The course will also highlight the profile of an entrepreneur and the tools of SME client education

The SME Unit conducted various studies and applied researches that reflect international best practices, success stories and status of SMEs in Egypt

  • Studies:

Access to Finance: Forms of Financing for SMEs in Egypt

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The Future of SME Banking in Egypt

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  • Applied Researches:

SMEs Experience in Malaysia

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Financing Small and Medium Enterprises “The Indian Experience”

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For more information, you can get in touch with us through our email: SMEunit@ebi.gov.eg

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