Customer/Client:  KfW
Period of realization:  20/08/2015 –30/ 11/2015
Country:  Ukraine

The main purpose of the consulting support is to provide an access to finance for the SMEs in agricultural sector, increase the share of agricultural loans in SME portfolio of the Ukrainian banks participating in trainings/seminars and improve the agricultural loan portfolio quality through the improvement of the skill level of the banks' officers.
The project is implemented in two phases:
a)    Assessment of the banks’ needs in consultancy services based on the screening the banks’ officers on the:
•    Existing financial products offered to agricultural clients;
•    Monitoring and Risk Management systems for agricultural financial products in place;
•    Existing agricultural loan portfolio including loan portfolio quality, etc.;
•    Level of skills of the banks' officers on the principles of financial and economic analysis of agricultural clients' business, pledge evaluation, agricultural production cycle, risk assessment etc.
b)    Based on the screening carried out developing a set of trainings/seminars, depending on the different needs and available skills on the following topics:
•    Financial and economic analysis of agricultural clients' business on a cash flow basis considering all their activities and depending on the existing conditions in the banking sector;
•    Cash flow/production output forecast;
•    Risk management techniques inherent to the agricultural sector;
•    Agricultural loan portfolio management and monitoring;
•    Credit model;
•    Pledge evaluation/Collateral policy;
•    Specific features while development of the loan product with consideration of the specific character of the agricultural sector operations in Ukraine (seasonal prevalence, etc.) and current economic situation, etc. ;
•    Basic knowledge of the agricultural production cycle typical for the Ukrainian agricultural sector (including agricultural maps).
About 15 banks are covered by consultancy services and about 30 banks’ officers will be trained on subjects stipulated above.

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