SME CREDIT BUREAU

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Dun Bradstreet (Singapore) Pte Ltd
SME Credit Bureau in Singapore Serving Critical
Information Needs For Credit Manager
25th October 2006 The BIIA Business Information
Forum 2006 Tianjin, China
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SME Credit Bureau

• A collaborative effort between Dun Bradstreet
  (Singapore) Pte Ltd and the Association of Small
  and Medium Enterprises (ASME).
• Launched on 21 Mar 2005 by Dr Vivian
  Balakrishnan, Minister for Community Development,
  Youth Sports and Second Minster for Trade
  Industry.
• Fully operational on 01 October 2005.

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SME Credit Bureau
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SME Credit Bureau

• It is an online repository of Companies
  information and credit track records.
• Credit history is one indicator of a Companys
  character in terms of meeting its debt
  obligations.
• Inclusive are Companys Registration details to
  help confirm application information and business
  validity.
• Information is obtained from members of the
  bureau, public databases, other external
  databases, including litigation and winding up
  cases.

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SME Credit Bureau - Concept
Companies Businesses Registry Information
Litigation Information
Bureau Members
Data Repository
Scoring Specialist
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SME Credit Bureau Data Elements
Public Information

• Company Registration Data
• Capital Information
• Change of Company Name
• Officer (s)

• Shareholders
• Subsidiaries
• Registered Charges
• Suits / Litigation
• Winding Up

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SME Credit Bureau Data Elements

• Bureau data elements
• Alternate Addresses
• Alternate Company Names
• Previous Enquiries
• Defaults
• Payment Information Summary

• Detailed Payment Information (as appendix)
• Payment Index
• New Credit Risk Index
• Industry Risk Indicator

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Contributors Profile By Industry
GDP Q2, 2006
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Payment Experience By Entity Type
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Payment Experience By Paid Up Capital
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Payment Experience By Industry
GDP Q2, 2006
By Industry
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Payment Experience By Industry
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Payment Experience By Sales Turnover
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Payment Experience By Employee Size
Micro Loan lt 10/200 (manufacturing) Other
Schemes lt 200
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Payment Experience Database

• Relevance of data (to Enterprise Banking)
• Entity Type gt80 on Companies
• Paid up Capital gt 50 of PUC lt ½ million
• Industry In line with top 4 performing sector
• Sales Turnover gt 60 with lt 25 million sales
  turnover
• Employee Size gt 85 with lt 200 employees

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Other Initiatives SME Toolkit

• SME Toolkit
• International Finance Corporation (World Bank
  Group)
• Web-based content management system portal
• Leverage the latest information and communication
  technologies to help SMEs learn and implement
  sustainable business management practices
• Increase SMEs productivity, efficiency and
  capacity, as well as improve their access to
  capital and new markets.

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Other Initiatives SME Toolkit

• Content available in this portal
• Accounting Finance
• Budgeting Forecasting
• Credit Collection
• Financial Management Reporting
• Finding Finance
• Human Resources

• Legal Insurance
• Incorporation
• Marketing Sales
• Customer Service
• International Business

http//www.businesstoolkit.com.sg
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Other Initiatives SME Toolkit
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Other Initiatives Credit Advisory
2. CREDIT ADVISORY UNIT jointly managed by DB
Singapore Evolve Maximus

• Improve financial and business strengths of SMEs
  through highly relevant and customised mentorship
  programmes
• Promote SME development through shared
  initiatives with government agencies, private
  sector, trade associations and business chambers
• Complement risk management initiatives of
  financial institutions and MNCs
• Create stronger partnership with the seekers and
  suppliers of funds (debt and equity) and the
  public sector
• Plan and organise innovative yet educational
  events for the overall business community

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Credit Advisory Professional Services

• 8 industry groups
• Cash-flow management
• Risk return assessment
• Productivity and efficiency mgt
• Business expansion planning
• Fund raising evaluation

• Fund raising and MA advisory
• Balance sheet management
• Corporate and business strategies
• Company valuation

• Financial management and analysis
• Risk policies
• Strategic management

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Other Initiatives Blending of Data

• 3. Blending of Commercial Consumer Data
• Combining Consumer Credit Bureau data with SME
  Credit Bureau Corporate formation
• Facilitate lenders in their credit evaluation on
  credit application from SMEs
• Provides an insight on the credit history and
  capacity of business owners along side that of
  their businesses
• Ultimate goal of providing Blended Score that
  supports predictive quick assessment