DDI_WLD_2007_PCGS_v02_M 2011-02-11 NADA DDI Document - Version 02 - (04/21/21) This version is identical to DDI_WLD_2007_PCGS_v01_M but country field has been updated to capture all the countries covered by survey. Version 01 (February 2011) Partial Credit Guarantee Survey 2007 PCGS 2007 WLD_2007_PCGS_v01_M Leora F. Klapper and Juan Carlos Mendoza (World Bank), Thorsten Beck (Tilburg University) NADA Development Research Group This data is on 76 partial credit guarantee schemes across 46 developed and developing countries. Based on theory, we discuss different organizational features of credit guarantee schemes and their variation across countries. We focus on the respective role of government and private sector and different pricing and risk reduction tools and how they are correlated across countries. We find that government has an important role to play in funding and management, but less so in risk assessment and recovery. There is a surprisingly low use of risk-based pricing and limited use of risk management mechanisms. Argentina Belgium Bahamas, The Brazil Canada Switzerland Chile Colombia Costa Rica Egypt, Arab Rep. Spain Estonia France United Kingdom Greece Honduras Croatia Hungary Indonesia India Israel Italy Sri Lanka Lithuania Luxembourg Macao SAR, China Moldova Mexico North Macedonia Malta Netherlands Panama Peru Portugal Paraguay Romania El Salvador Slovak Republic Sweden Thailand Turkiye Taiwan, China Uruguay United States Venezuela, RB Sample survey data [ssd] The scope of WLD 2007 PCGS includes: - General characteristics of partial credit guarantee funds (assets, employees, type of guarantee, tax regime, responsibilities) - Operational characteristics (eligibility, guarantee limit and coverage, pricing structure, information requirements, risk management) - Monitoring Other [oth] Use of the dataset must be acknowledged using a citation which would include: - the Identification of the Primary Investigator - the title of the survey (including acronym and year of implementation) - the survey reference number - the source and date of download Example: Leora F. Klapper et al., World Bank. Partial Credit Guarantee Survey (PCGS) 2007. Ref. WLD_2007_PCGS_v01_M. Dataset downloaded from http://microdata.worldbank.org on [date]. The user of the data acknowledges that the original collector of the data, the authorized distributor of the data, and the relevant funding agency bear no responsibility for use of the data or for interpretations or inferences based upon such uses. PCG_Master_Oct08 46 210 COUNTRY COUNTRY COUNTRY COUNTRY COUNTRY 46 Argentina Bahamas, The Belgium Brazil Canada Chile Colombia Costa Rica Croatia Egypt, Arab Rep. El Salvador Estonia France Greece Honduras Hungary India Indonesia Israel Italy Korea, Dem. Rep. Lithuania Luxembourg Macao, China Macedonia, FYR Malta Mexico Moldova Netherlands Panama Paraguay Peru Portugal Romania Slovak Republic Spain Sri Lanka Sweden Switzerland Taiwan, China Thailand Turkey United Kingdom United States Uruguay Venezuela, RB FUND NAME FUND NAME FUND NAME FUND NAME FUND NAME 46 - -- ----- ALMI Foretagspartner AB Agricultural Credit Guarantee Fund Besluit Borgstelling Midden en Klein Bedrijf Canada Small Business Financing Program Credit Guarantee Fund Trust for Small Induestries (CGTSI) to be renamed as Credit Guarantee Fund Trust for Small and Medium Enterprises (CGTMSE) Credit Guarantee Schemes of the Regional development Department of the Central Bank of Sri Lanka Credit and Export Guarantee Fund KreDex FO.GA.BA. S.A.P.E.M. FODEMIPYME Fondo Regional de Garantias del Tolima S.A Fondo de Garantia del Programa de Financiamiento para el Sector Rural en Apoyo a la Seguridad Alimentaria Fonga Finsa Fondo de Garantia para Pequenos Empresarios Fondo de Garantia para las Micro, Pequenas y Medianas Empresas Fondo de Garantias para la Micro y Pequena Empresa Fundacion Fondo de Garantia para Prestamos a la pequena Industria FOGAPI Fundo de Garantia para a Promocao da Competitivida Garanty Fund Gurantee Funds Industrial and Commercial Development Fund Interbank Guarantee Society GARANTIVEST Korea Credit Guarantee Fund Loan Guarantee Scheme Mutual Counter Guarantee Fund (MCGF) Mutualite D'aide Aux artisas National Loan Guarantee Fund for SMEs - FNGCIMM S.A. Ose Garantie SFGA Srl Primary Guarantee Fund for Rural Credit SGR SGR Sogarsa Sociedad de Garantias Reciprocas para el Sector Agropecuario, Forestal, Pesquero y Afines S.A SME Guarantee Fund Section 7a Program Small Firm Loan Guarantee Small and Medium Enterprise Credit Guarantee Fund of Taiwan (Taiwan SMEG) Sociedad de Garantias Reciprocas Sowalfin State Budget Tempte SA (Credit Guarantee Fund of Small and very small Enterprises) The State guarantee Bank for Supporting SMEs INSTITUTION INSTITUTION INSTITUTION INSTITUTION INSTITUTION 46 - -- --- Autoridad de la Micro, Pequena y Mediana Empresa (AMPYME) Banco Hondureno para la Produccion y la Vivienda BANHPROVI Banco Nacional de Comercio exterior SNC Banco Popular y de Desarrolo Comunal Banco de Desenvolvimento economico e social Banco de La Republica Oriental de Uruguay CSC Centrale Suisse de Cautionnement Central Bank Central bank of the Bahamas (trustee) Client Services Dept. Credit Guarantee Company Credit Guarantee Fund Trust for Small Induestries (CGTSI) to be renamed as Credit Guarantee Fund Trust for Small and Medium Enterprises (CGTMSE) Croatian Agency for Small Department of Trade and Industry FO.GA.BA Financiary Garantias y Servicios SGR, S.A de C.V ISMEA, Israel SMEs Authorities Industry Canada Kedi Garanti Fonu (Credit Guarantee Fund) LTD Macao Economic Services Macedonian bank for Development promotion Malta Entreprise Corporation Ministerio de Hacienda National Loan Guarantee Fund for SMEs - FNGCIMM S.A. IFN OSEO Group Persona Juridica Privada bajo la Forma de Fundacion Perum Sarana Pengembangan Usaha Rural Credit Guarantee Foundation (AVHGA) SGFA Srl SenterNovem (agency of department of economic affairs) Slovak Guarantee and Development Bank Small Business Credit Guarantee Corporation (SBCG) Societe Cooperative de Cautionnement Mutuel Sowalfin Specialized Financial Institution Superintendencia de Bancos Instituciones Financier UAB Investiciju ir versio garantijos (INVEGA) US Small Business Administration CONTACT PERSON CONTACT PERSON CONTACT PERSON CONTACT PERSON CONTACT PERSON 45 - --- Alvaro Yanez O. Armando Gomez Baquero Audrius Zabotka Cassandar Nottage Chankipa@kodit.co.kr, bluemay@kotdi.co.kr Dolly Gerassi. dollyg@ismea.org.il Dr. Alfredo Marrero Dr. Giorgio Venceslai Edgard Coquis Fernandez Davila Emilija Stojmilovska Gloria de Arosemena Jako Kruuse Head of Export Jean Louis Leloir Jim Hammersley Joseph Zammit Julio Cesar Quintanilla Hernandez Katerina Daskalopoulou Lic. Mauricio Mieres Hermosillo Lotta Javenius Lotta.javenius@almi.se Lucy Conejo Vargas M. Sousa Branca MRs Niramol Taww, Vice President of Public Relations Office. Mark Hambly Mr W. M Karumaratne Mr. Aurel Saramet President Mr. Mohammed Abdel Hamid Mr. Tomislav Krovacevic CEO Ms. Demet Kayaten (assistant) Najah Ayoub Nestor Ruben Pata Nicoles Pirotte Nina Dewi (nina@perum-sarana.com) Oscar Perez Patrick Dahm R.J.M.J Starmans Rolf Wey S.L. Choudhury. CEO. Mr. Ratnesh, assistant general manager. Vicky Chen +886-2-2321-4261 Victoria Gutierrez de Mejia Viorel Gherciu Zsofia Hars-Garami START OF OPERATIONS (YR) START OF OPERATIONS (YR) START OF OPERATIONS (YR) START OF OPERATIONS (YR) START OF OPERATIONS (YR) 46 1896 2006 1987.609 19.844 TOTAL ASSETS (VALUE) TOTAL ASSETS (VALUE) TOTAL ASSETS (VALUE) TOTAL ASSETS (VALUE) TOTAL ASSETS (VALUE) 40 6 16411 42000000000 1421417597.525 6659079719.858 NO. OF EMPLOYEES NO. OF EMPLOYEES NO. OF EMPLOYEES NO. OF EMPLOYEES NO. OF EMPLOYEES 36 10 3571 233.444 682.84 TYPE OF GUARANTEE SYSTEM - MUTUAL GUARANTEE ASSOCIATION TYPE OF GUARANTEE SYSTEM - MUTUAL GUARANTEE ASSOCIATION TYPE OF GUARANTEE SYSTEM - MUTUAL GUARANTEE ASSOCIATION TYPE OF GUARANTEE SYSTEM - MUTUAL GUARANTEE ASSOCIATION TYPE OF GUARANTEE SYSTEM - MUTUAL GUARANTEE ASSOCIATION 46 FALSE 1 TRUE TYPE OF GUARANTEE SYSTEM - PUBLICLY OPERATED NATIONAL SCHEMES TYPE OF GUARANTEE SYSTEM - PUBLICLY OPERATED NATIONAL SCHEMES TYPE OF GUARANTEE SYSTEM - PUBLICLY OPERATED NATIONAL SCHEMES TYPE OF GUARANTEE SYSTEM - PUBLICLY OPERATED NATIONAL SCHEMES TYPE OF GUARANTEE SYSTEM - PUBLICLY OPERATED NATIONAL SCHEMES 46 FALSE 1 TRUE TYPE OF GUARANTEE SYSTEM - CORPORATE ASSOCIATION TYPE OF GUARANTEE SYSTEM - CORPORATE ASSOCIATION TYPE OF GUARANTEE SYSTEM - CORPORATE ASSOCIATION TYPE OF GUARANTEE SYSTEM - CORPORATE ASSOCIATION TYPE OF GUARANTEE SYSTEM - CORPORATE ASSOCIATION 46 FALSE 1 TRUE TYPE OF GUARANTEE SYSTEM - BASED IN BILATERAL OR MULTILATERAL TYPE OF GUARANTEE SYSTEM - BASED IN BILATERAL OR MULTILATERAL TYPE OF GUARANTEE SYSTEM - BASED IN BILATERAL OR MULTILATERAL TYPE OF GUARANTEE SYSTEM - BASED IN BILATERAL OR MULTILATERAL TYPE OF GUARANTEE SYSTEM - BASED IN BILATERAL OR MULTILATERAL 46 FALSE 1 TRUE TYPE OF GUARANTEE SYSTEM - NGOS TYPE OF GUARANTEE SYSTEM - NGOS TYPE OF GUARANTEE SYSTEM - NGOS TYPE OF GUARANTEE SYSTEM - NGOS TYPE OF GUARANTEE SYSTEM - NGOS 46 FALSE 1 TRUE TYPE OF GUARANTEE SYSTEM - OTHER TYPE OF GUARANTEE SYSTEM - OTHER TYPE OF GUARANTEE SYSTEM - OTHER TYPE OF GUARANTEE SYSTEM - OTHER TYPE OF GUARANTEE SYSTEM - OTHER 16 Anonymous Society of public interest Anonymous association mixed with private characteristics COC is a private joint stock company. Its guaratee covers individuals and portfolios, according to the program. Case by case automatic cover Corporation established by Special Act El Brou tiene algun fondo de garantia destinado a lineas especificas formado por aportes de la propia institucion Fondo de Garantia donde su principal accionista es el Estado de La Provincia de Buenos Aires, pero tambien son accionistas Camaras Empresariales, Pymes y Grandes Empresas. Fundacion Fondo de Garantia. Foundation Guarantee Fund. Government guarantees loans at 85% Guarantee fund managed by a non state public bank Guarantees managed by the Bank of Chile Please see below Specialty Financial institution State in cooperation with private banks State owned, joint-stock Company (national level) with territorial/local branches/offices (13 to date) and with affiliated joint-stock companies (3 to date) as Local Guarantee funds (at regional level). Starting 2006, status as Non-bank Financi bank guarantees PROFIT/NONPROFIT PROFIT/NONPROFIT PROFIT/NONPROFIT PROFIT/NONPROFIT PROFIT/NONPROFIT 41 5 NON-PROFIT 1 PROFIT Sysmiss TYPE OF GUARANTEE - DIRECT GUARANTEE TO BANKS TYPE OF GUARANTEE - DIRECT GUARANTEE TO BANKS TYPE OF GUARANTEE - DIRECT GUARANTEE TO BANKS TYPE OF GUARANTEE - DIRECT GUARANTEE TO BANKS TYPE OF GUARANTEE - DIRECT GUARANTEE TO BANKS 46 FALSE 1 TRUE TYPE OF GUARANTEE - COUNTER-GUARANTEE TO MUTUAL GUARANTEE TYPE OF GUARANTEE - COUNTER-GUARANTEE TO MUTUAL GUARANTEE TYPE OF GUARANTEE - COUNTER-GUARANTEE TO MUTUAL GUARANTEE TYPE OF GUARANTEE - COUNTER-GUARANTEE TO MUTUAL GUARANTEE TYPE OF GUARANTEE - COUNTER-GUARANTEE TO MUTUAL GUARANTEE 46 FALSE 1 TRUE TYPE OF GUARANTEE - CO-GUARANTEE WITH MUTUAL GUARANTEE INSTITUTIONS TYPE OF GUARANTEE - CO-GUARANTEE WITH MUTUAL GUARANTEE INSTITUTIONS TYPE OF GUARANTEE - CO-GUARANTEE WITH MUTUAL GUARANTEE INSTITUTIONS TYPE OF GUARANTEE - CO-GUARANTEE WITH MUTUAL GUARANTEE INSTITUTIONS TYPE OF GUARANTEE - CO-GUARANTEE WITH MUTUAL GUARANTEE INSTITUTIONS 46 FALSE 1 TRUE TYPE OF GUARANTEE - ON EQUITY PARTICIPATION OR PARTICIPATORY DEBT TYPE OF GUARANTEE - ON EQUITY PARTICIPATION OR PARTICIPATORY DEBT TYPE OF GUARANTEE - ON EQUITY PARTICIPATION OR PARTICIPATORY DEBT TYPE OF GUARANTEE - ON EQUITY PARTICIPATION OR PARTICIPATORY DEBT TYPE OF GUARANTEE - ON EQUITY PARTICIPATION OR PARTICIPATORY DEBT 46 FALSE 1 TRUE TYPE OF GUARANTEE - OTHER TYPE OF GUARANTEE - OTHER TYPE OF GUARANTEE - OTHER TYPE OF GUARANTEE - OTHER TYPE OF GUARANTEE - OTHER 6 Borrower Guarantee Co-guarantee with other Guarantee funds. Garantia to businesses that are requested by the entities that provide the credit Individual Guarantees in favor of the MYPES Individual guarantee by public banks loan portfolio TAX REGIME TAX REGIME TAX REGIME TAX REGIME TAX REGIME 37 9 TAX EXEMPT 1 TAXABLE Sysmiss RESPONSIBILITIES - FUNDING - GOVERNMENT AGENCY RESPONSIBILITIES - FUNDING - GOVERNMENT AGENCY RESPONSIBILITIES - FUNDING - GOVERNMENT AGENCY RESPONSIBILITIES - FUNDING - GOVERNMENT AGENCY RESPONSIBILITIES - FUNDING - GOVERNMENT AGENCY 46 FALSE 1 TRUE RESPONSIBILITIES - FUNDING - FINANCIAL INSTITUTION RESPONSIBILITIES - FUNDING - FINANCIAL INSTITUTION RESPONSIBILITIES - FUNDING - FINANCIAL INSTITUTION RESPONSIBILITIES - FUNDING - FINANCIAL INSTITUTION RESPONSIBILITIES - FUNDING - FINANCIAL INSTITUTION 46 FALSE 1 TRUE RESPONSIBILITIES - FUNDING - CENTRAL BANK RESPONSIBILITIES - FUNDING - CENTRAL BANK RESPONSIBILITIES - FUNDING - CENTRAL BANK RESPONSIBILITIES - FUNDING - CENTRAL BANK RESPONSIBILITIES - FUNDING - CENTRAL BANK 46 FALSE 1 TRUE RESPONSIBILITIES - FUNDING - BANKING SUPERVISOR RESPONSIBILITIES - FUNDING - BANKING SUPERVISOR RESPONSIBILITIES - FUNDING - BANKING SUPERVISOR RESPONSIBILITIES - FUNDING - BANKING SUPERVISOR RESPONSIBILITIES - FUNDING - BANKING SUPERVISOR 46 FALSE 1 TRUE RESPONSIBILITIES - FUNDING - PRIVATE COMPANY RESPONSIBILITIES - FUNDING - PRIVATE COMPANY RESPONSIBILITIES - FUNDING - PRIVATE COMPANY RESPONSIBILITIES - FUNDING - PRIVATE COMPANY RESPONSIBILITIES - FUNDING - PRIVATE COMPANY 46 FALSE 1 TRUE RESPONSIBILITIES - FUNDING - NGOS RESPONSIBILITIES - FUNDING - NGOS RESPONSIBILITIES - FUNDING - NGOS RESPONSIBILITIES - FUNDING - NGOS RESPONSIBILITIES - FUNDING - NGOS 46 FALSE 1 TRUE RESPONSIBILITIES - FUNDING - MULTILATERAL AGENCY RESPONSIBILITIES - FUNDING - MULTILATERAL AGENCY RESPONSIBILITIES - FUNDING - MULTILATERAL AGENCY RESPONSIBILITIES - FUNDING - MULTILATERAL AGENCY RESPONSIBILITIES - FUNDING - MULTILATERAL AGENCY 46 FALSE 1 TRUE RESPONSIBILITIES - FUNDING - OTHER (1) RESPONSIBILITIES - FUNDING - OTHER (1) RESPONSIBILITIES - FUNDING - OTHER (1) RESPONSIBILITIES - FUNDING - OTHER (1) RESPONSIBILITIES - FUNDING - OTHER (1) 46 FALSE 1 TRUE RESPONSIBILITIES - FUNDING - OTHER (2) RESPONSIBILITIES - FUNDING - OTHER (2) RESPONSIBILITIES - FUNDING - OTHER (2) RESPONSIBILITIES - FUNDING - OTHER (2) RESPONSIBILITIES - FUNDING - OTHER (2) 46 FALSE 1 TRUE RESPONSIBILITIES - OWNERSHIP - GOVERNMENT AGENCY RESPONSIBILITIES - OWNERSHIP - GOVERNMENT AGENCY RESPONSIBILITIES - OWNERSHIP - GOVERNMENT AGENCY RESPONSIBILITIES - OWNERSHIP - GOVERNMENT AGENCY RESPONSIBILITIES - OWNERSHIP - GOVERNMENT AGENCY 46 FALSE 1 TRUE RESPONSIBILITIES - OWNERSHIP - FINANCIAL INSTITUTION RESPONSIBILITIES - OWNERSHIP - FINANCIAL INSTITUTION RESPONSIBILITIES - OWNERSHIP - FINANCIAL INSTITUTION RESPONSIBILITIES - OWNERSHIP - FINANCIAL INSTITUTION RESPONSIBILITIES - OWNERSHIP - FINANCIAL INSTITUTION 46 FALSE 1 TRUE RESPONSIBILITIES - OWNERSHIP - CENTRAL BANK RESPONSIBILITIES - OWNERSHIP - CENTRAL BANK RESPONSIBILITIES - OWNERSHIP - CENTRAL BANK RESPONSIBILITIES - OWNERSHIP - CENTRAL BANK RESPONSIBILITIES - OWNERSHIP - CENTRAL BANK 46 FALSE 1 TRUE RESPONSIBILITIES - OWNERSHIP - BANKING SUPERVISOR RESPONSIBILITIES - OWNERSHIP - BANKING SUPERVISOR RESPONSIBILITIES - OWNERSHIP - BANKING SUPERVISOR RESPONSIBILITIES - OWNERSHIP - BANKING SUPERVISOR RESPONSIBILITIES - OWNERSHIP - BANKING SUPERVISOR 46 FALSE 1 TRUE RESPONSIBILITIES - OWNERSHIP - PRIVATE COMPANY RESPONSIBILITIES - OWNERSHIP - PRIVATE COMPANY RESPONSIBILITIES - OWNERSHIP - PRIVATE COMPANY RESPONSIBILITIES - OWNERSHIP - PRIVATE COMPANY RESPONSIBILITIES - OWNERSHIP - PRIVATE COMPANY 46 FALSE 1 TRUE RESPONSIBILITIES - OWNERSHIP - NGOS RESPONSIBILITIES - OWNERSHIP - NGOS RESPONSIBILITIES - OWNERSHIP - NGOS RESPONSIBILITIES - OWNERSHIP - NGOS RESPONSIBILITIES - OWNERSHIP - NGOS 46 FALSE 1 TRUE RESPONSIBILITIES - OWNERSHIP - MULTILATERAL AGENCY RESPONSIBILITIES - OWNERSHIP - MULTILATERAL AGENCY RESPONSIBILITIES - OWNERSHIP - MULTILATERAL AGENCY RESPONSIBILITIES - OWNERSHIP - MULTILATERAL AGENCY RESPONSIBILITIES - OWNERSHIP - MULTILATERAL AGENCY 46 FALSE 1 TRUE RESPONSIBILITIES - OWNERSHIP - OTHER (1) RESPONSIBILITIES - OWNERSHIP - OTHER (1) RESPONSIBILITIES - OWNERSHIP - OTHER (1) RESPONSIBILITIES - OWNERSHIP - OTHER (1) RESPONSIBILITIES - OWNERSHIP - OTHER (1) 46 FALSE 1 TRUE RESPONSIBILITIES - OWNERSHIP - OTHER (2) RESPONSIBILITIES - OWNERSHIP - OTHER (2) RESPONSIBILITIES - OWNERSHIP - OTHER (2) RESPONSIBILITIES - OWNERSHIP - OTHER (2) RESPONSIBILITIES - OWNERSHIP - OTHER (2) 46 FALSE 1 TRUE RESPONSIBILITIES - MANAGEMENT - GOVERNMENT AGENCY RESPONSIBILITIES - MANAGEMENT - GOVERNMENT AGENCY RESPONSIBILITIES - MANAGEMENT - GOVERNMENT AGENCY RESPONSIBILITIES - MANAGEMENT - GOVERNMENT AGENCY RESPONSIBILITIES - MANAGEMENT - GOVERNMENT AGENCY 46 FALSE 1 TRUE RESPONSIBILITIES - MANAGEMENT - FINANCIAL INSTITUTION RESPONSIBILITIES - MANAGEMENT - FINANCIAL INSTITUTION RESPONSIBILITIES - MANAGEMENT - FINANCIAL INSTITUTION RESPONSIBILITIES - MANAGEMENT - FINANCIAL INSTITUTION RESPONSIBILITIES - MANAGEMENT - FINANCIAL INSTITUTION 46 FALSE 1 TRUE RESPONSIBILITIES - MANAGEMENT - CENTRAL BANK RESPONSIBILITIES - MANAGEMENT - CENTRAL BANK RESPONSIBILITIES - MANAGEMENT - CENTRAL BANK RESPONSIBILITIES - MANAGEMENT - CENTRAL BANK RESPONSIBILITIES - MANAGEMENT - CENTRAL BANK 46 FALSE 1 TRUE RESPONSIBILITIES - MANAGEMENT - BANKING SUPERVISOR RESPONSIBILITIES - MANAGEMENT - BANKING SUPERVISOR RESPONSIBILITIES - MANAGEMENT - BANKING SUPERVISOR RESPONSIBILITIES - MANAGEMENT - BANKING SUPERVISOR RESPONSIBILITIES - MANAGEMENT - BANKING SUPERVISOR 46 FALSE 1 TRUE RESPONSIBILITIES - MANAGEMENT - PRIVATE COMPANY RESPONSIBILITIES - MANAGEMENT - PRIVATE COMPANY RESPONSIBILITIES - MANAGEMENT - PRIVATE COMPANY RESPONSIBILITIES - MANAGEMENT - PRIVATE COMPANY RESPONSIBILITIES - MANAGEMENT - PRIVATE COMPANY 46 FALSE 1 TRUE RESPONSIBILITIES - MANAGEMENT - NGOS RESPONSIBILITIES - MANAGEMENT - NGOS RESPONSIBILITIES - MANAGEMENT - NGOS RESPONSIBILITIES - MANAGEMENT - NGOS RESPONSIBILITIES - MANAGEMENT - NGOS 46 FALSE 1 TRUE RESPONSIBILITIES - MANAGEMENT - MULTILATERAL AGENCY RESPONSIBILITIES - MANAGEMENT - MULTILATERAL AGENCY RESPONSIBILITIES - MANAGEMENT - MULTILATERAL AGENCY RESPONSIBILITIES - MANAGEMENT - MULTILATERAL AGENCY RESPONSIBILITIES - MANAGEMENT - MULTILATERAL AGENCY 46 FALSE 1 TRUE RESPONSIBILITIES - MANAGEMENT - OTHER (1) RESPONSIBILITIES - MANAGEMENT - OTHER (1) RESPONSIBILITIES - MANAGEMENT - OTHER (1) RESPONSIBILITIES - MANAGEMENT - OTHER (1) RESPONSIBILITIES - MANAGEMENT - OTHER (1) 46 FALSE 1 TRUE RESPONSIBILITIES - MANAGEMENT - OTHER (2) RESPONSIBILITIES - MANAGEMENT - OTHER (2) RESPONSIBILITIES - MANAGEMENT - OTHER (2) RESPONSIBILITIES - MANAGEMENT - OTHER (2) RESPONSIBILITIES - MANAGEMENT - OTHER (2) 46 FALSE 1 TRUE RESPONSIBILITIES - CREDIT RISK ASSMT. - GOVERNMENT AGENCY RESPONSIBILITIES - CREDIT RISK ASSMT. - GOVERNMENT AGENCY RESPONSIBILITIES - CREDIT RISK ASSMT. - GOVERNMENT AGENCY RESPONSIBILITIES - CREDIT RISK ASSMT. - GOVERNMENT AGENCY RESPONSIBILITIES - CREDIT RISK ASSMT. - GOVERNMENT AGENCY 46 FALSE 1 TRUE RESPONSIBILITIES - CREDIT RISK ASSMT. - FINANCIAL INSTITUTION RESPONSIBILITIES - CREDIT RISK ASSMT. - FINANCIAL INSTITUTION RESPONSIBILITIES - CREDIT RISK ASSMT. - FINANCIAL INSTITUTION RESPONSIBILITIES - CREDIT RISK ASSMT. - FINANCIAL INSTITUTION RESPONSIBILITIES - CREDIT RISK ASSMT. - FINANCIAL INSTITUTION 46 FALSE 1 TRUE RESPONSIBILITIES - CREDIT RISK ASSMT. - CENTRAL BANK RESPONSIBILITIES - CREDIT RISK ASSMT. - CENTRAL BANK RESPONSIBILITIES - CREDIT RISK ASSMT. - CENTRAL BANK RESPONSIBILITIES - CREDIT RISK ASSMT. - CENTRAL BANK RESPONSIBILITIES - CREDIT RISK ASSMT. - CENTRAL BANK 46 FALSE 1 TRUE RESPONSIBILITIES - CREDIT RISK ASSMT. - BANKING SUPERVISOR RESPONSIBILITIES - CREDIT RISK ASSMT. - BANKING SUPERVISOR RESPONSIBILITIES - CREDIT RISK ASSMT. - BANKING SUPERVISOR RESPONSIBILITIES - CREDIT RISK ASSMT. - BANKING SUPERVISOR RESPONSIBILITIES - CREDIT RISK ASSMT. - BANKING SUPERVISOR 46 FALSE 1 TRUE RESPONSIBILITIES - CREDIT RISK ASSMT. - PRIVATE COMPANY RESPONSIBILITIES - CREDIT RISK ASSMT. - PRIVATE COMPANY RESPONSIBILITIES - CREDIT RISK ASSMT. - PRIVATE COMPANY RESPONSIBILITIES - CREDIT RISK ASSMT. - PRIVATE COMPANY RESPONSIBILITIES - CREDIT RISK ASSMT. - PRIVATE COMPANY 46 FALSE 1 TRUE RESPONSIBILITIES - CREDIT RISK ASSMT. - NGOS RESPONSIBILITIES - CREDIT RISK ASSMT. - NGOS RESPONSIBILITIES - CREDIT RISK ASSMT. - NGOS RESPONSIBILITIES - CREDIT RISK ASSMT. - NGOS RESPONSIBILITIES - CREDIT RISK ASSMT. - NGOS 46 FALSE 1 TRUE RESPONSIBILITIES - CREDIT RISK ASSMT. - MULTILATERAL AGENCY RESPONSIBILITIES - CREDIT RISK ASSMT. - MULTILATERAL AGENCY RESPONSIBILITIES - CREDIT RISK ASSMT. - MULTILATERAL AGENCY RESPONSIBILITIES - CREDIT RISK ASSMT. - MULTILATERAL AGENCY RESPONSIBILITIES - CREDIT RISK ASSMT. - MULTILATERAL AGENCY 46 FALSE 1 TRUE RESPONSIBILITIES - CREDIT RISK ASSMT. - OTHER (1) RESPONSIBILITIES - CREDIT RISK ASSMT. - OTHER (1) RESPONSIBILITIES - CREDIT RISK ASSMT. - OTHER (1) RESPONSIBILITIES - CREDIT RISK ASSMT. - OTHER (1) RESPONSIBILITIES - CREDIT RISK ASSMT. - OTHER (1) 46 FALSE 1 TRUE RESPONSIBILITIES - CREDIT RISK ASSMT. - OTHER (2) RESPONSIBILITIES - CREDIT RISK ASSMT. - OTHER (2) RESPONSIBILITIES - CREDIT RISK ASSMT. - OTHER (2) RESPONSIBILITIES - CREDIT RISK ASSMT. - OTHER (2) RESPONSIBILITIES - CREDIT RISK ASSMT. - OTHER (2) 46 FALSE 1 TRUE RESPONSIBILITIES - MONITORING - GOVERNMENT AGENCY RESPONSIBILITIES - MONITORING - GOVERNMENT AGENCY RESPONSIBILITIES - MONITORING - GOVERNMENT AGENCY RESPONSIBILITIES - MONITORING - GOVERNMENT AGENCY RESPONSIBILITIES - MONITORING - GOVERNMENT AGENCY 46 FALSE 1 TRUE RESPONSIBILITIES - MONITORING - FINANCIAL INSTITUTION RESPONSIBILITIES - MONITORING - FINANCIAL INSTITUTION RESPONSIBILITIES - MONITORING - FINANCIAL INSTITUTION RESPONSIBILITIES - MONITORING - FINANCIAL INSTITUTION RESPONSIBILITIES - MONITORING - FINANCIAL INSTITUTION 46 FALSE 1 TRUE RESPONSIBILITIES - MONITORING - CENTRAL BANK RESPONSIBILITIES - MONITORING - CENTRAL BANK RESPONSIBILITIES - MONITORING - CENTRAL BANK RESPONSIBILITIES - MONITORING - CENTRAL BANK RESPONSIBILITIES - MONITORING - CENTRAL BANK 46 FALSE 1 TRUE RESPONSIBILITIES - MONITORING - BANKING SUPERVISOR RESPONSIBILITIES - MONITORING - BANKING SUPERVISOR RESPONSIBILITIES - MONITORING - BANKING SUPERVISOR RESPONSIBILITIES - MONITORING - BANKING SUPERVISOR RESPONSIBILITIES - MONITORING - BANKING SUPERVISOR 46 FALSE 1 TRUE RESPONSIBILITIES - MONITORING - PRIVATE COMPANY RESPONSIBILITIES - MONITORING - PRIVATE COMPANY RESPONSIBILITIES - MONITORING - PRIVATE COMPANY RESPONSIBILITIES - MONITORING - PRIVATE COMPANY RESPONSIBILITIES - MONITORING - PRIVATE COMPANY 46 FALSE 1 TRUE RESPONSIBILITIES - MONITORING - NGOS RESPONSIBILITIES - MONITORING - NGOS RESPONSIBILITIES - MONITORING - NGOS RESPONSIBILITIES - MONITORING - NGOS RESPONSIBILITIES - MONITORING - NGOS 46 FALSE 1 TRUE RESPONSIBILITIES - MONITORING - MULTILATERAL AGENCY RESPONSIBILITIES - MONITORING - MULTILATERAL AGENCY RESPONSIBILITIES - MONITORING - MULTILATERAL AGENCY RESPONSIBILITIES - MONITORING - MULTILATERAL AGENCY RESPONSIBILITIES - MONITORING - MULTILATERAL AGENCY 46 FALSE 1 TRUE RESPONSIBILITIES - MONITORING - OTHER (1) RESPONSIBILITIES - MONITORING - OTHER (1) RESPONSIBILITIES - MONITORING - OTHER (1) RESPONSIBILITIES - MONITORING - OTHER (1) RESPONSIBILITIES - MONITORING - OTHER (1) 46 FALSE 1 TRUE RESPONSIBILITIES - MONITORING - OTHER (2) RESPONSIBILITIES - MONITORING - OTHER (2) RESPONSIBILITIES - MONITORING - OTHER (2) RESPONSIBILITIES - MONITORING - OTHER (2) RESPONSIBILITIES - MONITORING - OTHER (2) 46 FALSE 1 TRUE RESPONSIBILITIES - RECOVERY - GOVERNMENT AGENCY RESPONSIBILITIES - RECOVERY - GOVERNMENT AGENCY RESPONSIBILITIES - RECOVERY - GOVERNMENT AGENCY RESPONSIBILITIES - RECOVERY - GOVERNMENT AGENCY RESPONSIBILITIES - RECOVERY - GOVERNMENT AGENCY 46 FALSE 1 TRUE RESPONSIBILITIES - RECOVERY - FINANCIAL INSTITUTION RESPONSIBILITIES - RECOVERY - FINANCIAL INSTITUTION RESPONSIBILITIES - RECOVERY - FINANCIAL INSTITUTION RESPONSIBILITIES - RECOVERY - FINANCIAL INSTITUTION RESPONSIBILITIES - RECOVERY - FINANCIAL INSTITUTION 46 FALSE 1 TRUE RESPONSIBILITIES - RECOVERY - CENTRAL BANK RESPONSIBILITIES - RECOVERY - CENTRAL BANK RESPONSIBILITIES - RECOVERY - CENTRAL BANK RESPONSIBILITIES - RECOVERY - CENTRAL BANK RESPONSIBILITIES - RECOVERY - CENTRAL BANK 46 FALSE 1 TRUE RESPONSIBILITIES - RECOVERY - BANKING SUPERVISOR RESPONSIBILITIES - RECOVERY - BANKING SUPERVISOR RESPONSIBILITIES - RECOVERY - BANKING SUPERVISOR RESPONSIBILITIES - RECOVERY - BANKING SUPERVISOR RESPONSIBILITIES - RECOVERY - BANKING SUPERVISOR 46 FALSE 1 TRUE RESPONSIBILITIES - RECOVERY - PRIVATE COMPANY RESPONSIBILITIES - RECOVERY - PRIVATE COMPANY RESPONSIBILITIES - RECOVERY - PRIVATE COMPANY RESPONSIBILITIES - RECOVERY - PRIVATE COMPANY RESPONSIBILITIES - RECOVERY - PRIVATE COMPANY 46 FALSE 1 TRUE RESPONSIBILITIES - RECOVERY - NGOS RESPONSIBILITIES - RECOVERY - NGOS RESPONSIBILITIES - RECOVERY - NGOS RESPONSIBILITIES - RECOVERY - NGOS RESPONSIBILITIES - RECOVERY - NGOS 46 FALSE 1 TRUE RESPONSIBILITIES - RECOVERY - MULTILATERAL AGENCY RESPONSIBILITIES - RECOVERY - MULTILATERAL AGENCY RESPONSIBILITIES - RECOVERY - MULTILATERAL AGENCY RESPONSIBILITIES - RECOVERY - MULTILATERAL AGENCY RESPONSIBILITIES - RECOVERY - MULTILATERAL AGENCY 46 FALSE 1 TRUE RESPONSIBILITIES - RECOVERY - OTHER (1) RESPONSIBILITIES - RECOVERY - OTHER (1) RESPONSIBILITIES - RECOVERY - OTHER (1) RESPONSIBILITIES - RECOVERY - OTHER (1) RESPONSIBILITIES - RECOVERY - OTHER (1) 46 FALSE 1 TRUE RESPONSIBILITIES - RECOVERY - OTHER (2) RESPONSIBILITIES - RECOVERY - OTHER (2) RESPONSIBILITIES - RECOVERY - OTHER (2) RESPONSIBILITIES - RECOVERY - OTHER (2) RESPONSIBILITIES - RECOVERY - OTHER (2) 46 FALSE 1 TRUE RESPONSIBILITIES - OTHER (1) RESPONSIBILITIES - OTHER (1) RESPONSIBILITIES - OTHER (1) RESPONSIBILITIES - OTHER (1) RESPONSIBILITIES - OTHER (1) 9 CCG board of directors FOGABA Financiera de Desarrollo AFD Government of Romania Ministry of agriculture Ourselves State State of RM board of trustees RESPONSIBILITIES - OTHER (2) RESPONSIBILITIES - OTHER (2) RESPONSIBILITIES - OTHER (2) RESPONSIBILITIES - OTHER (2) RESPONSIBILITIES - OTHER (2) 3 CGTSI PHARE (EU programme) Ver Punto 4 ELIGIBILITY - REST. BY BORROWER SIZE - SMALL: NO. OF EMPLOYEES: < ELIGIBILITY - REST. BY BORROWER SIZE - SMALL: NO. OF EMPLOYEES: < ELIGIBILITY - REST. BY BORROWER SIZE - SMALL: NO. OF EMPLOYEES: < ELIGIBILITY - REST. BY BORROWER SIZE - SMALL: NO. OF EMPLOYEES: < ELIGIBILITY - REST. BY BORROWER SIZE - SMALL: NO. OF EMPLOYEES: < 16 30 5 250 50.25 61.805 ELIGIBILITY - REST. BY BORROWER SIZE - SMALL: LEVEL OF SALES: < ELIGIBILITY - REST. BY BORROWER SIZE - SMALL: LEVEL OF SALES: < ELIGIBILITY - REST. BY BORROWER SIZE - SMALL: LEVEL OF SALES: < ELIGIBILITY - REST. BY BORROWER SIZE - SMALL: LEVEL OF SALES: < ELIGIBILITY - REST. BY BORROWER SIZE - SMALL: LEVEL OF SALES: < 14 32 13790 69000000 13464292.643 23258654.938 ELIGIBILITY - REST. BY BORROWER SIZE - MED: NO. OF EMPLOYEES: < ELIGIBILITY - REST. BY BORROWER SIZE - MED: NO. OF EMPLOYEES: < ELIGIBILITY - REST. BY BORROWER SIZE - MED: NO. OF EMPLOYEES: < ELIGIBILITY - REST. BY BORROWER SIZE - MED: NO. OF EMPLOYEES: < ELIGIBILITY - REST. BY BORROWER SIZE - MED: NO. OF EMPLOYEES: < 15 31 20 1500 222.4 364.915 ELIGIBILITY - REST. BY BORROWER SIZE - MED: LEVEL OF SALES: < ELIGIBILITY - REST. BY BORROWER SIZE - MED: LEVEL OF SALES: < ELIGIBILITY - REST. BY BORROWER SIZE - MED: LEVEL OF SALES: < ELIGIBILITY - REST. BY BORROWER SIZE - MED: LEVEL OF SALES: < ELIGIBILITY - REST. BY BORROWER SIZE - MED: LEVEL OF SALES: < 11 35 53387 65000000 19495277.273 29297594.818 ELIGIBILITY - REST. BY BORROWER SIZE - LARGE: NO. OF EMPLOYEES: < ELIGIBILITY - REST. BY BORROWER SIZE - LARGE: NO. OF EMPLOYEES: < ELIGIBILITY - REST. BY BORROWER SIZE - LARGE: NO. OF EMPLOYEES: < ELIGIBILITY - REST. BY BORROWER SIZE - LARGE: NO. OF EMPLOYEES: < ELIGIBILITY - REST. BY BORROWER SIZE - LARGE: NO. OF EMPLOYEES: < 6 40 100 250 208.167 58.482 ELIGIBILITY - REST. BY BORROWER SIZE - LARGE: LEVEL OF SALES: < ELIGIBILITY - REST. BY BORROWER SIZE - LARGE: LEVEL OF SALES: < ELIGIBILITY - REST. BY BORROWER SIZE - LARGE: LEVEL OF SALES: < ELIGIBILITY - REST. BY BORROWER SIZE - LARGE: LEVEL OF SALES: < ELIGIBILITY - REST. BY BORROWER SIZE - LARGE: LEVEL OF SALES: < 6 40 266935 68965000 25904989.167 32008239.155 ELIGIBILITY - REST. TO NEW BUS. ELIGIBILITY - REST. TO NEW BUS. ELIGIBILITY - REST. TO NEW BUS. ELIGIBILITY - REST. TO NEW BUS. ELIGIBILITY - REST. TO NEW BUS. 46 FALSE 1 TRUE ELIGIBILITY - REST. TO EXISTING BUS. ELIGIBILITY - REST. TO EXISTING BUS. ELIGIBILITY - REST. TO EXISTING BUS. ELIGIBILITY - REST. TO EXISTING BUS. ELIGIBILITY - REST. TO EXISTING BUS. 46 FALSE 1 TRUE ELIGIBILITY - REST. TO SPECIFIC SECTOR (Y/N) ELIGIBILITY - REST. TO SPECIFIC SECTOR (Y/N) ELIGIBILITY - REST. TO SPECIFIC SECTOR (Y/N) ELIGIBILITY - REST. TO SPECIFIC SECTOR (Y/N) ELIGIBILITY - REST. TO SPECIFIC SECTOR (Y/N) 46 FALSE 1 TRUE ELIGIBILITY - REST. TO SPECIFIC SECTOR (DETAILS) ELIGIBILITY - REST. TO SPECIFIC SECTOR (DETAILS) ELIGIBILITY - REST. TO SPECIFIC SECTOR (DETAILS) ELIGIBILITY - REST. TO SPECIFIC SECTOR (DETAILS) ELIGIBILITY - REST. TO SPECIFIC SECTOR (DETAILS) 12 Agricultural, Artisan, commerce, services, Agriculture Agropecuario/Agricultural Alcohol, tobacco productions, retail, and wholesal Artisan sector of Luxembourg Industry Commerce and services Manufacturing Rural business Some exclusive sectors Technological sector agriculture, public health agriculture, small and medium enterprises, apparel ELIGIBILITY - REST. BY GEOGRAPHIC AREA (Y/N) ELIGIBILITY - REST. BY GEOGRAPHIC AREA (Y/N) ELIGIBILITY - REST. BY GEOGRAPHIC AREA (Y/N) ELIGIBILITY - REST. BY GEOGRAPHIC AREA (Y/N) ELIGIBILITY - REST. BY GEOGRAPHIC AREA (Y/N) 46 FALSE 1 TRUE ELIGIBILITY - REST. BY GEOGRAPHIC AREA (DETAILS) ELIGIBILITY - REST. BY GEOGRAPHIC AREA (DETAILS) ELIGIBILITY - REST. BY GEOGRAPHIC AREA (DETAILS) ELIGIBILITY - REST. BY GEOGRAPHIC AREA (DETAILS) ELIGIBILITY - REST. BY GEOGRAPHIC AREA (DETAILS) 7 All Egypt's governorates Buenos Aires Costa Rica Exporter sector Locally Luxembourg Wallon region ELIGIBILITY - REST. TO INVESTMENT (I.E. CAPITAL FORMATION) ELIGIBILITY - REST. TO INVESTMENT (I.E. CAPITAL FORMATION) ELIGIBILITY - REST. TO INVESTMENT (I.E. CAPITAL FORMATION) ELIGIBILITY - REST. TO INVESTMENT (I.E. CAPITAL FORMATION) ELIGIBILITY - REST. TO INVESTMENT (I.E. CAPITAL FORMATION) 46 FALSE 1 TRUE ELIGIBILITY - NO RESTRICTIONS APPLICABLE ELIGIBILITY - NO RESTRICTIONS APPLICABLE ELIGIBILITY - NO RESTRICTIONS APPLICABLE ELIGIBILITY - NO RESTRICTIONS APPLICABLE ELIGIBILITY - NO RESTRICTIONS APPLICABLE 46 FALSE 1 TRUE ELIGIBILITY - RESTRICTIONS - OTHER ELIGIBILITY - RESTRICTIONS - OTHER ELIGIBILITY - RESTRICTIONS - OTHER ELIGIBILITY - RESTRICTIONS - OTHER ELIGIBILITY - RESTRICTIONS - OTHER 13 Eligible SMEs for SBCG's guarantee service is defined by the next fixed assets excluding land which shall not exceed 200 million baht. Enterprises registered in France Formal Sector Kodit provides to all enterprises, except for the luxury item handling enterprises. Less developed regions and start up or early stage corporations Loans given for working capital, establishment of new business or expansion of existing business Medium companies are only eligible if exporters or exporter's suppliers Risk categories A1, A2 or B. Declare and pay taxes. To the MYPEs or to technological sectors that desire to develop With at least 50% of shares or stocks being owned or held by Macao residents; contributions to the Macao Social Security Fund meets the criterion of regulated regulation. maximum guarantee is 1 million euros the following types of loans will not qualify for guarantees: Loans used for repayment of outstanding loans and payment of overdue taxes. Loans o clients that at the time of guarantee application have overdue loans and interest payments from p the fund is for intermediate financiers GUARANTEES USED TO FOSTER ECONOMIC POLICIES GUARANTEES USED TO FOSTER ECONOMIC POLICIES GUARANTEES USED TO FOSTER ECONOMIC POLICIES GUARANTEES USED TO FOSTER ECONOMIC POLICIES GUARANTEES USED TO FOSTER ECONOMIC POLICIES 46 FALSE 1 TRUE IF YES, PLEASE SPECIFY IF YES, PLEASE SPECIFY IF YES, PLEASE SPECIFY IF YES, PLEASE SPECIFY IF YES, PLEASE SPECIFY 14 Creation and development of PME in general, with specific support for innovation, transmit trade, and developing exporting. En el marco de las politicas y estrategias del gobierno, el fondo de garantias se inserta en el fomento y desarrollo de la Facilitate the access to credit for MYPE In the SEB-Sus program (mentioned above), the group lending component is targeting only women, In the IMP CGF targeting industrial modernization Investment, Job creation, exports Policy oriented Loans (To comply with government policies); Natural Disaster reconstruction Loan for SMEs (victims of natural disasters); Youth Business start-up loans; Own Brand International Promotions Loans Promote loans to agriculture SMEs The measure of micro credit of SOWALFIn by counter guarantess of societies of mutual security are destined to facilitate access to financing for micro enterprises maximum 10 employees for banks. To promote the flow of funds to priority sectors. In the case of the Susahana credit guarantee scheme to facilitate post tsunami livelihood rehabilitation. Vulnerable population Women and minority populations Women, Veterans, underserved markets. innovative oriented species. GUARANTEE LIMIT GUARANTEE LIMIT GUARANTEE LIMIT GUARANTEE LIMIT GUARANTEE LIMIT 46 FALSE 1 TRUE GUARANTEE LIMIT - MAXIMUM: NATIONAL CURRENCY GUARANTEE LIMIT - MAXIMUM: NATIONAL CURRENCY GUARANTEE LIMIT - MAXIMUM: NATIONAL CURRENCY GUARANTEE LIMIT - MAXIMUM: NATIONAL CURRENCY GUARANTEE LIMIT - MAXIMUM: NATIONAL CURRENCY 22 24 25000 11545360 1908515.727 2864594.763 GUARANTEE LIMIT - MAXIMUM: PERCENTAGE OF THE LOAN AMOUNT (%) GUARANTEE LIMIT - MAXIMUM: PERCENTAGE OF THE LOAN AMOUNT (%) GUARANTEE LIMIT - MAXIMUM: PERCENTAGE OF THE LOAN AMOUNT (%) GUARANTEE LIMIT - MAXIMUM: PERCENTAGE OF THE LOAN AMOUNT (%) GUARANTEE LIMIT - MAXIMUM: PERCENTAGE OF THE LOAN AMOUNT (%) 29 17 10 95 71.483 17.784 GUARANTEE LIMIT - MINIMUM: NATIONAL CURRENCY GUARANTEE LIMIT - MINIMUM: NATIONAL CURRENCY GUARANTEE LIMIT - MINIMUM: NATIONAL CURRENCY GUARANTEE LIMIT - MINIMUM: NATIONAL CURRENCY GUARANTEE LIMIT - MINIMUM: NATIONAL CURRENCY 4 42 2000 46331 16032.75 20950.778 GUARANTEE LIMIT - MINIMUM: PERCENTAGE OF THE LOAN AMOUNT (%) GUARANTEE LIMIT - MINIMUM: PERCENTAGE OF THE LOAN AMOUNT (%) GUARANTEE LIMIT - MINIMUM: PERCENTAGE OF THE LOAN AMOUNT (%) GUARANTEE LIMIT - MINIMUM: PERCENTAGE OF THE LOAN AMOUNT (%) GUARANTEE LIMIT - MINIMUM: PERCENTAGE OF THE LOAN AMOUNT (%) 10 36 20 100 57 23.476 MAXIMUM GUARANTEE PERIOD (IN YRS) MAXIMUM GUARANTEE PERIOD (IN YRS) MAXIMUM GUARANTEE PERIOD (IN YRS) MAXIMUM GUARANTEE PERIOD (IN YRS) MAXIMUM GUARANTEE PERIOD (IN YRS) 23 23 3 25 10.13 5.667 GUARANTEE COVERAGE - PRINCIPAL GUARANTEE COVERAGE - PRINCIPAL GUARANTEE COVERAGE - PRINCIPAL GUARANTEE COVERAGE - PRINCIPAL GUARANTEE COVERAGE - PRINCIPAL 46 FALSE 1 TRUE GUARANTEE COVERAGE - PRINCIPAL COVERAGE RATIO (%) GUARANTEE COVERAGE - PRINCIPAL COVERAGE RATIO (%) GUARANTEE COVERAGE - PRINCIPAL COVERAGE RATIO (%) GUARANTEE COVERAGE - PRINCIPAL COVERAGE RATIO (%) GUARANTEE COVERAGE - PRINCIPAL COVERAGE RATIO (%) 33 13 50 100 80.848 15.812 GUARANTEE COVERAGE - INTEREST GUARANTEE COVERAGE - INTEREST GUARANTEE COVERAGE - INTEREST GUARANTEE COVERAGE - INTEREST GUARANTEE COVERAGE - INTEREST 46 FALSE 1 TRUE GUARANTEE COVERAGE - OTHER COSTS GUARANTEE COVERAGE - OTHER COSTS GUARANTEE COVERAGE - OTHER COSTS GUARANTEE COVERAGE - OTHER COSTS GUARANTEE COVERAGE - OTHER COSTS 46 FALSE 1 TRUE OPERATIONAL MECHANISM - LOAN BASIS/ SELECTIVE OPERATIONAL MECHANISM - LOAN BASIS/ SELECTIVE OPERATIONAL MECHANISM - LOAN BASIS/ SELECTIVE OPERATIONAL MECHANISM - LOAN BASIS/ SELECTIVE OPERATIONAL MECHANISM - LOAN BASIS/ SELECTIVE 46 FALSE 1 TRUE OPERATIONAL MECHANISM - PORTFOLIO/ GLOBAL APPROACH/ LUMP SCREENING OPERATIONAL MECHANISM - PORTFOLIO/ GLOBAL APPROACH/ LUMP SCREENING OPERATIONAL MECHANISM - PORTFOLIO/ GLOBAL APPROACH/ LUMP SCREENING OPERATIONAL MECHANISM - PORTFOLIO/ GLOBAL APPROACH/ LUMP SCREENING OPERATIONAL MECHANISM - PORTFOLIO/ GLOBAL APPROACH/ LUMP SCREENING 46 FALSE 1 TRUE OPERATIONAL MECHANISM - INTERMEDIARY APPROACH OPERATIONAL MECHANISM - INTERMEDIARY APPROACH OPERATIONAL MECHANISM - INTERMEDIARY APPROACH OPERATIONAL MECHANISM - INTERMEDIARY APPROACH OPERATIONAL MECHANISM - INTERMEDIARY APPROACH 46 FALSE 1 TRUE OPERATIONAL MECHANISM - OTHER OPERATIONAL MECHANISM - OTHER OPERATIONAL MECHANISM - OTHER OPERATIONAL MECHANISM - OTHER OPERATIONAL MECHANISM - OTHER 2 All eligible borrowers are covered. Non discretionary guarantees. The banks have a right to issue guarantees on behalf of KredEX for loan amounts up to EEK 500,000. For larger loans, a case by case approach is used. TRAINING AND GUIDANCE - TO THE LENDER TRAINING AND GUIDANCE - TO THE LENDER TRAINING AND GUIDANCE - TO THE LENDER TRAINING AND GUIDANCE - TO THE LENDER TRAINING AND GUIDANCE - TO THE LENDER 46 FALSE 1 TRUE TRAINING AND GUIDANCE - TO THE BORROWER TRAINING AND GUIDANCE - TO THE BORROWER TRAINING AND GUIDANCE - TO THE BORROWER TRAINING AND GUIDANCE - TO THE BORROWER TRAINING AND GUIDANCE - TO THE BORROWER 46 FALSE 1 TRUE PRICING STRUCT. - ANNUAL FEE PRICING STRUCT. - ANNUAL FEE PRICING STRUCT. - ANNUAL FEE PRICING STRUCT. - ANNUAL FEE PRICING STRUCT. - ANNUAL FEE 46 FALSE 1 TRUE PRICING STRUCT. - MEMBERSHIP FEE PRICING STRUCT. - MEMBERSHIP FEE PRICING STRUCT. - MEMBERSHIP FEE PRICING STRUCT. - MEMBERSHIP FEE PRICING STRUCT. - MEMBERSHIP FEE 46 FALSE 1 TRUE PRICING STRUCT. - PER LOAN FEE PRICING STRUCT. - PER LOAN FEE PRICING STRUCT. - PER LOAN FEE PRICING STRUCT. - PER LOAN FEE PRICING STRUCT. - PER LOAN FEE 46 FALSE 1 TRUE PRICING STRUCT. - SIZE OF THE LOAN PRICING STRUCT. - SIZE OF THE LOAN PRICING STRUCT. - SIZE OF THE LOAN PRICING STRUCT. - SIZE OF THE LOAN PRICING STRUCT. - SIZE OF THE LOAN 46 FALSE 1 TRUE PRICING STRUCT. - AMOUNT GUARANTEED PRICING STRUCT. - AMOUNT GUARANTEED PRICING STRUCT. - AMOUNT GUARANTEED PRICING STRUCT. - AMOUNT GUARANTEED PRICING STRUCT. - AMOUNT GUARANTEED 46 FALSE 1 TRUE PRICING STRUCT. - FEE ADAPTED TO RISK PRICING STRUCT. - FEE ADAPTED TO RISK PRICING STRUCT. - FEE ADAPTED TO RISK PRICING STRUCT. - FEE ADAPTED TO RISK PRICING STRUCT. - FEE ADAPTED TO RISK 46 FALSE 1 TRUE PRICING STRUCT. - MATURITY PRICING STRUCT. - MATURITY PRICING STRUCT. - MATURITY PRICING STRUCT. - MATURITY PRICING STRUCT. - MATURITY 46 FALSE 1 TRUE PRICING STRUCT. - FEE (%) PRICING STRUCT. - FEE (%) PRICING STRUCT. - FEE (%) PRICING STRUCT. - FEE (%) PRICING STRUCT. - FEE (%) 28 18 0.03 15 2.676 2.952 PRICING STRUCT. - PAYMENT: IN ADVANCE PRICING STRUCT. - PAYMENT: IN ADVANCE PRICING STRUCT. - PAYMENT: IN ADVANCE PRICING STRUCT. - PAYMENT: IN ADVANCE PRICING STRUCT. - PAYMENT: IN ADVANCE 46 FALSE 1 TRUE PRICING STRUCT. - PAYMENT: QUARTERLY PRICING STRUCT. - PAYMENT: QUARTERLY PRICING STRUCT. - PAYMENT: QUARTERLY PRICING STRUCT. - PAYMENT: QUARTERLY PRICING STRUCT. - PAYMENT: QUARTERLY 46 FALSE 1 TRUE PRICING STRUCT. - PAYMENT: OTHER PRICING STRUCT. - PAYMENT: OTHER PRICING STRUCT. - PAYMENT: OTHER PRICING STRUCT. - PAYMENT: OTHER PRICING STRUCT. - PAYMENT: OTHER 7 Back ended as on March 31, each year for annual service Fee. Cases over 1 year, the guarantee fee is paid Plus sobre la tasa annual annual installments depending on the program agreement monthly if long term PRICING STRUCT. - APPLICATION FEE PRICING STRUCT. - APPLICATION FEE PRICING STRUCT. - APPLICATION FEE PRICING STRUCT. - APPLICATION FEE PRICING STRUCT. - APPLICATION FEE 46 FALSE 1 TRUE PRICING STRUCT. - APPLICATION FEE: SPECIFY AMOUNT (%) PRICING STRUCT. - APPLICATION FEE: SPECIFY AMOUNT (%) PRICING STRUCT. - APPLICATION FEE: SPECIFY AMOUNT (%) PRICING STRUCT. - APPLICATION FEE: SPECIFY AMOUNT (%) PRICING STRUCT. - APPLICATION FEE: SPECIFY AMOUNT (%) 4 1% of guarantee 2% of loan 390$ 60$ PRICING STRUCT. - NO FEES PRICING STRUCT. - NO FEES PRICING STRUCT. - NO FEES PRICING STRUCT. - NO FEES PRICING STRUCT. - NO FEES 46 FALSE 1 TRUE PRICING STRUCT. - FEES PAID BY: FINANCIAL INSTITUTION PRICING STRUCT. - FEES PAID BY: FINANCIAL INSTITUTION PRICING STRUCT. - FEES PAID BY: FINANCIAL INSTITUTION PRICING STRUCT. - FEES PAID BY: FINANCIAL INSTITUTION PRICING STRUCT. - FEES PAID BY: FINANCIAL INSTITUTION 46 FALSE 1 TRUE PRICING STRUCT. - FEES PAID BY: BORROWER PRICING STRUCT. - FEES PAID BY: BORROWER PRICING STRUCT. - FEES PAID BY: BORROWER PRICING STRUCT. - FEES PAID BY: BORROWER PRICING STRUCT. - FEES PAID BY: BORROWER 46 FALSE 1 TRUE ADDITIONAL PENALTY RATE APPLICABLE ADDITIONAL PENALTY RATE APPLICABLE ADDITIONAL PENALTY RATE APPLICABLE ADDITIONAL PENALTY RATE APPLICABLE ADDITIONAL PENALTY RATE APPLICABLE 46 FALSE 1 TRUE ADDITIONAL PENALTY RATE (%) ADDITIONAL PENALTY RATE (%) ADDITIONAL PENALTY RATE (%) ADDITIONAL PENALTY RATE (%) ADDITIONAL PENALTY RATE (%) 4 42 2 17.5 8.375 6.969 DOES REPAYMENT OF LOANS LOWER THE PRICE OF FUTURE GUARANTEES DOES REPAYMENT OF LOANS LOWER THE PRICE OF FUTURE GUARANTEES DOES REPAYMENT OF LOANS LOWER THE PRICE OF FUTURE GUARANTEES DOES REPAYMENT OF LOANS LOWER THE PRICE OF FUTURE GUARANTEES DOES REPAYMENT OF LOANS LOWER THE PRICE OF FUTURE GUARANTEES 46 FALSE 1 TRUE TIME OF PAYOUT - AT TIME OF DEFAULT TIME OF PAYOUT - AT TIME OF DEFAULT TIME OF PAYOUT - AT TIME OF DEFAULT TIME OF PAYOUT - AT TIME OF DEFAULT TIME OF PAYOUT - AT TIME OF DEFAULT 46 FALSE 1 TRUE TIME OF PAYOUT - AFTER BANK INITIATES RECOVERY TIME OF PAYOUT - AFTER BANK INITIATES RECOVERY TIME OF PAYOUT - AFTER BANK INITIATES RECOVERY TIME OF PAYOUT - AFTER BANK INITIATES RECOVERY TIME OF PAYOUT - AFTER BANK INITIATES RECOVERY 46 FALSE 1 TRUE TIME OF PAYOUT - AFTER PCG INITIATES RECOVERY TIME OF PAYOUT - AFTER PCG INITIATES RECOVERY TIME OF PAYOUT - AFTER PCG INITIATES RECOVERY TIME OF PAYOUT - AFTER PCG INITIATES RECOVERY TIME OF PAYOUT - AFTER PCG INITIATES RECOVERY 46 FALSE 1 TRUE TIME OF PAYOUT - AFTER THE BANK WRITES OFF THE LOAN TIME OF PAYOUT - AFTER THE BANK WRITES OFF THE LOAN TIME OF PAYOUT - AFTER THE BANK WRITES OFF THE LOAN TIME OF PAYOUT - AFTER THE BANK WRITES OFF THE LOAN TIME OF PAYOUT - AFTER THE BANK WRITES OFF THE LOAN 46 FALSE 1 TRUE COLLATERAL - PROVIDED BY BORROWERS COLLATERAL - PROVIDED BY BORROWERS COLLATERAL - PROVIDED BY BORROWERS COLLATERAL - PROVIDED BY BORROWERS COLLATERAL - PROVIDED BY BORROWERS 46 FALSE 1 TRUE COLLATERAL - MIN VALUE COLLATERAL - MIN VALUE COLLATERAL - MIN VALUE COLLATERAL - MIN VALUE COLLATERAL - MIN VALUE 46 FALSE 1 TRUE PCG REJECTION - BANK OFFERS LOAN FOR HIGHER RATE/COLLATERAL PCG REJECTION - BANK OFFERS LOAN FOR HIGHER RATE/COLLATERAL PCG REJECTION - BANK OFFERS LOAN FOR HIGHER RATE/COLLATERAL PCG REJECTION - BANK OFFERS LOAN FOR HIGHER RATE/COLLATERAL PCG REJECTION - BANK OFFERS LOAN FOR HIGHER RATE/COLLATERAL 46 FALSE 1 TRUE PCG REJECTION - % UNABLE TO BORROW WITHOUT GUARANTEE PCG REJECTION - % UNABLE TO BORROW WITHOUT GUARANTEE PCG REJECTION - % UNABLE TO BORROW WITHOUT GUARANTEE PCG REJECTION - % UNABLE TO BORROW WITHOUT GUARANTEE PCG REJECTION - % UNABLE TO BORROW WITHOUT GUARANTEE 22 24 3 100 61.182 29.829 INFORMATION REQUIREMENTS - DOCUMENTATION INFORMATION REQUIREMENTS - DOCUMENTATION INFORMATION REQUIREMENTS - DOCUMENTATION INFORMATION REQUIREMENTS - DOCUMENTATION INFORMATION REQUIREMENTS - DOCUMENTATION 39 A one page application for guarantee with the contact bank information, information on loan (amount, interest rate, collateral etc.) All documents are submitted in the credit file Application form for prepayment. Report on Credit investigation and financing. Breakdown of financing account. Executive Title. Application, credit information, borrower's risk analysis and evaluation of the business plan made by the bank. As required by each financial institution's own internal credit norms Balance sheet, income statement, cash flow, other data to determien eligibility. Balance, qualitative and quantitative test, business plan, delinquency schedule and documents of other guarantees afforded. Bank loan sanction letter Copies of documents required to make a decision. Copy of the loan agreement Credit Appraisal report Credit agreement, business plan, credit report, financial report, yearly account, application form. Credit documents Credit guarantee application, loan appraisal report, borrowers loan application. When a request is made for payment of guarantee claims, copies of loan inspections reports, copy of loan ledger and documents regarding recovery action Credit review, feasability study/bank assesment. Collateral information (if any). Credit offering letter if available, and a copy of the credit agreement. (submitted after guarantee approval) Datos del prestamo e informacion sobre el cliente. (situacion economico financiera, antecedentes de cumplimiento, etc.) Estado de las recuperaciones: cartera vigente, pagos programados y pagos recibidos, saldos vigentes, numero de creditos y monto de cartera vencida clasificada por tiempo, monto de la cartera en riesgo y composicion de deuda. Financial information, accounting and administrative Financial statistics/status, legal documents of the business, documents of the operation that will be guaranteed. Guarantee request: SME declaration on requested guarantee, evaluation report, collateral evaluation report, draft loan contract, SMI certificate on budget duties, borrower's business plan, borrower's identity card. Hoja de aprobacion de la Sociedad de Garantias Investment program, business history, balance sheet for two years, legal registration etc. Legal documents, proof of credit approval and diagnostic in format of the Economy Ministry. Loan contract, collateral, balance sheet. Online application on the website. (Due diligence is done on the financial institution/bank before inducting as a member lending institution (MLI). Documentation for abiding by CGTSIs rules is undertaken by the MLI.) Registration form completed only when a loan is made. When CSBF Loan goes into default, lenders are required to submit a claim for loss form with all supporting documents such as loan document, security document, all invoices proof of payment Request of the loan, copy from company's contract (in case of existence), Rent or ownership contract of the Activity location, Copy from Commercial register, licence of activity, Tax card, certificate of tax status, social Insurance status, cop Standard documentation regarding borrower, project, financing costs, etc. Statement of the account, summary of collective efforts, and listing of securities held. Study of Credit, authorization of the committee and receipt proof of the exporting operation The banks do the transitions and read the documents with complete analysis. The entities must carry a registry of operations that deal with the guarantee of the fund in which all of the following must be consigned: type of operation, total amounts, the supported import for the guarantee of the fund, additional guarante The same documents that are presented to the bank. (business plan, latest financials, overview of existing obligations) + bank's memo. The same that is required for other loans that do not make use of garantees for example: balances, social statutes. Yearly accounts, and authorized plans. applications, business plan, financial statements. balance sheet, income statement, business registration, tax records. monthly reports none INFORMATION REQUIREMENTS - COST INFORMATION REQUIREMENTS - COST INFORMATION REQUIREMENTS - COST INFORMATION REQUIREMENTS - COST INFORMATION REQUIREMENTS - COST 19 1.5% of the lawsuit target amount Cost of paper and printing It is very minimal. N/A No estimated. No information None Not applicable. Not available We estimate there is no additional cost. carried by the bank. no cost no extra cost. none unknown zero cost. RISK MANAGEMENT - (RE)INSURANCE RISK MANAGEMENT - (RE)INSURANCE RISK MANAGEMENT - (RE)INSURANCE RISK MANAGEMENT - (RE)INSURANCE RISK MANAGEMENT - (RE)INSURANCE 46 FALSE 1 TRUE RISK MANAGEMENT - PORTFOLIO SECURITIZATIONS RISK MANAGEMENT - PORTFOLIO SECURITIZATIONS RISK MANAGEMENT - PORTFOLIO SECURITIZATIONS RISK MANAGEMENT - PORTFOLIO SECURITIZATIONS RISK MANAGEMENT - PORTFOLIO SECURITIZATIONS 46 FALSE 1 TRUE RISK MANAGEMENT - NONE RISK MANAGEMENT - NONE RISK MANAGEMENT - NONE RISK MANAGEMENT - NONE RISK MANAGEMENT - NONE 46 FALSE 1 TRUE RISK MANAGEMENT - OTHER RISK MANAGEMENT - OTHER RISK MANAGEMENT - OTHER RISK MANAGEMENT - OTHER RISK MANAGEMENT - OTHER 14 70% state counter-guarantee. 50% EIF (European Investment fund) Counter guarantee for certain product By ways of adjusting Coverage ratio for the borrowers and lenders. Launching the Package credit guarantee. Credit Risk Portfolio Management Currently under legal process EIF Counter-gurantee For specific types like creations, transmissions, innovation and financing of the immaterial and exportations, The OSEO creates a risk mitigation effect. In its operating instructions the CBSL has laid down procedures to be undertaken to recover the loans. In the event of non compliance, the lending insitution lose guarantee cover. Lender oversight office supervises lender activity Los recursos del Fondo are invested in Titulos Valores to the best performance Matriz de Transicion Refianzamiento. Refinancing Contracts Risk Policy; annualy approved by the sole shareholder. Risk Spreading PCG OPERATING BUDGET - AMOUNT PCG OPERATING BUDGET - AMOUNT PCG OPERATING BUDGET - AMOUNT PCG OPERATING BUDGET - AMOUNT PCG OPERATING BUDGET - AMOUNT 29 17 714 828000000 76597907.138 164214087.666 PCG OPERATING BUDGET - REPORTING YR PCG OPERATING BUDGET - REPORTING YR PCG OPERATING BUDGET - REPORTING YR PCG OPERATING BUDGET - REPORTING YR PCG OPERATING BUDGET - REPORTING YR 26 20 2006 2007 Sysmiss CONTRIBUTION OF GOVERNMENT/PUBLIC FUNDING (%) CONTRIBUTION OF GOVERNMENT/PUBLIC FUNDING (%) CONTRIBUTION OF GOVERNMENT/PUBLIC FUNDING (%) CONTRIBUTION OF GOVERNMENT/PUBLIC FUNDING (%) CONTRIBUTION OF GOVERNMENT/PUBLIC FUNDING (%) 10 36 100 49.922 45.389 OUTCOMES - STOCK - NO. OF LOANS GUARANTEED OUTCOMES - STOCK - NO. OF LOANS GUARANTEED OUTCOMES - STOCK - NO. OF LOANS GUARANTEED OUTCOMES - STOCK - NO. OF LOANS GUARANTEED OUTCOMES - STOCK - NO. OF LOANS GUARANTEED 29 17 26 2869551 136760.276 536636.165 OUTCOMES - STOCK - NO. OF GUARANTEE REQUESTS DENIED OUTCOMES - STOCK - NO. OF GUARANTEE REQUESTS DENIED OUTCOMES - STOCK - NO. OF GUARANTEE REQUESTS DENIED OUTCOMES - STOCK - NO. OF GUARANTEE REQUESTS DENIED OUTCOMES - STOCK - NO. OF GUARANTEE REQUESTS DENIED 17 29 5468 846.176 1381.553 OUTCOMES - STOCK - AVERAGE VALUE OF GUARANTEES OUTCOMES - STOCK - AVERAGE VALUE OF GUARANTEES OUTCOMES - STOCK - AVERAGE VALUE OF GUARANTEES OUTCOMES - STOCK - AVERAGE VALUE OF GUARANTEES OUTCOMES - STOCK - AVERAGE VALUE OF GUARANTEES 24 22 1000 345386 76723.958 91611.069 OUTCOMES - STOCK - NO. OF DEFAULT LOANS OUTCOMES - STOCK - NO. OF DEFAULT LOANS OUTCOMES - STOCK - NO. OF DEFAULT LOANS OUTCOMES - STOCK - NO. OF DEFAULT LOANS OUTCOMES - STOCK - NO. OF DEFAULT LOANS 20 26 99306 5264.05 22142.191 OUTCOMES - STOCK - AVERAGE DEFAULT AMOUNT OUTCOMES - STOCK - AVERAGE DEFAULT AMOUNT OUTCOMES - STOCK - AVERAGE DEFAULT AMOUNT OUTCOMES - STOCK - AVERAGE DEFAULT AMOUNT OUTCOMES - STOCK - AVERAGE DEFAULT AMOUNT 16 30 307 246735 47433.563 59692.376 OUTCOMES - STOCK - TOTAL AMOUNT OF LOAN GUARANTEES OUTCOMES - STOCK - TOTAL AMOUNT OF LOAN GUARANTEES OUTCOMES - STOCK - TOTAL AMOUNT OF LOAN GUARANTEES OUTCOMES - STOCK - TOTAL AMOUNT OF LOAN GUARANTEES OUTCOMES - STOCK - TOTAL AMOUNT OF LOAN GUARANTEES 15 31 125738 2073607320 536496507.4 677344703.976 OUTCOMES - STOCK - TOTAL AMOUNT PAID-OUT TO LENDERS OUTCOMES - STOCK - TOTAL AMOUNT PAID-OUT TO LENDERS OUTCOMES - STOCK - TOTAL AMOUNT PAID-OUT TO LENDERS OUTCOMES - STOCK - TOTAL AMOUNT PAID-OUT TO LENDERS OUTCOMES - STOCK - TOTAL AMOUNT PAID-OUT TO LENDERS 17 29 76835 114500700 18787703.529 29908155.552 OUTCOMES - STOCK - NO. OF LOANS THAT REQUIRED PAY-OUTS OUTCOMES - STOCK - NO. OF LOANS THAT REQUIRED PAY-OUTS OUTCOMES - STOCK - NO. OF LOANS THAT REQUIRED PAY-OUTS OUTCOMES - STOCK - NO. OF LOANS THAT REQUIRED PAY-OUTS OUTCOMES - STOCK - NO. OF LOANS THAT REQUIRED PAY-OUTS 16 30 48021 5761.938 15256.423 OUTCOMES - STOCK - BUS. ASSISTED - TOTAL NO. OF OUTCOMES - STOCK - BUS. ASSISTED - TOTAL NO. OF OUTCOMES - STOCK - BUS. ASSISTED - TOTAL NO. OF OUTCOMES - STOCK - BUS. ASSISTED - TOTAL NO. OF OUTCOMES - STOCK - BUS. ASSISTED - TOTAL NO. OF 24 22 2 441399 38465.208 100146.973 OUTCOMES - STOCK - BUS. ASSISTED - NO. OF NEW JOBS CREATED OUTCOMES - STOCK - BUS. ASSISTED - NO. OF NEW JOBS CREATED OUTCOMES - STOCK - BUS. ASSISTED - NO. OF NEW JOBS CREATED OUTCOMES - STOCK - BUS. ASSISTED - NO. OF NEW JOBS CREATED OUTCOMES - STOCK - BUS. ASSISTED - NO. OF NEW JOBS CREATED 13 33 4 476510 76388.308 156666.589 OUTCOMES - STOCK - BUS. ASSISTED - NO. OF NEW BUS. OUTCOMES - STOCK - BUS. ASSISTED - NO. OF NEW BUS. OUTCOMES - STOCK - BUS. ASSISTED - NO. OF NEW BUS. OUTCOMES - STOCK - BUS. ASSISTED - NO. OF NEW BUS. OUTCOMES - STOCK - BUS. ASSISTED - NO. OF NEW BUS. 8 38 6 3076 908.875 1157.13 OUTCOMES - STOCK - BUS. ASSISTED - NO. OF NEW JOBS CREATED OUTCOMES - STOCK - BUS. ASSISTED - NO. OF NEW JOBS CREATED OUTCOMES - STOCK - BUS. ASSISTED - NO. OF NEW JOBS CREATED OUTCOMES - STOCK - BUS. ASSISTED - NO. OF NEW JOBS CREATED OUTCOMES - STOCK - BUS. ASSISTED - NO. OF NEW JOBS CREATED 3 43 28 2000 742.667 1092.273 OUTCOMES - STOCK - BUS. ASSISTED BY SIZE - MICRO ENTERPRISES OUTCOMES - STOCK - BUS. ASSISTED BY SIZE - MICRO ENTERPRISES OUTCOMES - STOCK - BUS. ASSISTED BY SIZE - MICRO ENTERPRISES OUTCOMES - STOCK - BUS. ASSISTED BY SIZE - MICRO ENTERPRISES OUTCOMES - STOCK - BUS. ASSISTED BY SIZE - MICRO ENTERPRISES 15 31 77000 7776.733 19589.77 OUTCOMES - STOCK - BUS. ASSISTED BY SIZE - SMALL OUTCOMES - STOCK - BUS. ASSISTED BY SIZE - SMALL OUTCOMES - STOCK - BUS. ASSISTED BY SIZE - SMALL OUTCOMES - STOCK - BUS. ASSISTED BY SIZE - SMALL OUTCOMES - STOCK - BUS. ASSISTED BY SIZE - SMALL 17 29 10 220129 14887.471 53053.287 OUTCOMES - STOCK - BUS. ASSISTED BY SIZE - MED OUTCOMES - STOCK - BUS. ASSISTED BY SIZE - MED OUTCOMES - STOCK - BUS. ASSISTED BY SIZE - MED OUTCOMES - STOCK - BUS. ASSISTED BY SIZE - MED OUTCOMES - STOCK - BUS. ASSISTED BY SIZE - MED 14 32 4 5833 946.357 1617.027 OUTCOMES - STOCK - BUS. ASSISTED BY SIZE - LARGE OUTCOMES - STOCK - BUS. ASSISTED BY SIZE - LARGE OUTCOMES - STOCK - BUS. ASSISTED BY SIZE - LARGE OUTCOMES - STOCK - BUS. ASSISTED BY SIZE - LARGE OUTCOMES - STOCK - BUS. ASSISTED BY SIZE - LARGE 8 38 321353 40188.125 113607.772 OUTCOMES - STOCK - BUS. ASSISTED BY SECTOR - MANUFACTURING OUTCOMES - STOCK - BUS. ASSISTED BY SECTOR - MANUFACTURING OUTCOMES - STOCK - BUS. ASSISTED BY SECTOR - MANUFACTURING OUTCOMES - STOCK - BUS. ASSISTED BY SECTOR - MANUFACTURING OUTCOMES - STOCK - BUS. ASSISTED BY SECTOR - MANUFACTURING 17 29 3 321353 21342.059 77423.717 OUTCOMES - STOCK - BUS. ASSISTED BY SECTOR - SERVICES OUTCOMES - STOCK - BUS. ASSISTED BY SECTOR - SERVICES OUTCOMES - STOCK - BUS. ASSISTED BY SECTOR - SERVICES OUTCOMES - STOCK - BUS. ASSISTED BY SECTOR - SERVICES OUTCOMES - STOCK - BUS. ASSISTED BY SECTOR - SERVICES 17 29 2 55009 7565.078 17730.298 OUTCOMES - STOCK - BUS. ASSISTED BY SECTOR - AGRICULTURE OUTCOMES - STOCK - BUS. ASSISTED BY SECTOR - AGRICULTURE OUTCOMES - STOCK - BUS. ASSISTED BY SECTOR - AGRICULTURE OUTCOMES - STOCK - BUS. ASSISTED BY SECTOR - AGRICULTURE OUTCOMES - STOCK - BUS. ASSISTED BY SECTOR - AGRICULTURE 15 31 16672 1320.533 4273.764 OUTCOMES - STOCK - BUS. ASSISTED BY SECTOR - CONSTRUCTION OUTCOMES - STOCK - BUS. ASSISTED BY SECTOR - CONSTRUCTION OUTCOMES - STOCK - BUS. ASSISTED BY SECTOR - CONSTRUCTION OUTCOMES - STOCK - BUS. ASSISTED BY SECTOR - CONSTRUCTION OUTCOMES - STOCK - BUS. ASSISTED BY SECTOR - CONSTRUCTION 14 32 2 89947 7769 23999.704 OUTCOMES - YR - NO. OF LOANS GUARANTEED OUTCOMES - YR - NO. OF LOANS GUARANTEED OUTCOMES - YR - NO. OF LOANS GUARANTEED OUTCOMES - YR - NO. OF LOANS GUARANTEED OUTCOMES - YR - NO. OF LOANS GUARANTEED 31 15 3 261824 13386.903 47791.236 OUTCOMES - YR - NO. OF GUARANTEE REQUESTS DENIED OUTCOMES - YR - NO. OF GUARANTEE REQUESTS DENIED OUTCOMES - YR - NO. OF GUARANTEE REQUESTS DENIED OUTCOMES - YR - NO. OF GUARANTEE REQUESTS DENIED OUTCOMES - YR - NO. OF GUARANTEE REQUESTS DENIED 19 27 1500 229.632 429.178 OUTCOMES - YR - AVERAGE VALUE OF GUARANTEES OUTCOMES - YR - AVERAGE VALUE OF GUARANTEES OUTCOMES - YR - AVERAGE VALUE OF GUARANTEES OUTCOMES - YR - AVERAGE VALUE OF GUARANTEES OUTCOMES - YR - AVERAGE VALUE OF GUARANTEES 31 15 866 612483 116866.71 144135.413 OUTCOMES - YR - NO. OF DEFAULT LOANS OUTCOMES - YR - NO. OF DEFAULT LOANS OUTCOMES - YR - NO. OF DEFAULT LOANS OUTCOMES - YR - NO. OF DEFAULT LOANS OUTCOMES - YR - NO. OF DEFAULT LOANS 25 21 20968 1214.16 4243.313 OUTCOMES - YR - AVERAGE DEFAULT AMOUNT OUTCOMES - YR - AVERAGE DEFAULT AMOUNT OUTCOMES - YR - AVERAGE DEFAULT AMOUNT OUTCOMES - YR - AVERAGE DEFAULT AMOUNT OUTCOMES - YR - AVERAGE DEFAULT AMOUNT 19 27 177 425379 71404 97999.389 OUTCOMES - YR - TOTAL AMOUNT OF LOAN GUARANTEES OUTCOMES - YR - TOTAL AMOUNT OF LOAN GUARANTEES OUTCOMES - YR - TOTAL AMOUNT OF LOAN GUARANTEES OUTCOMES - YR - TOTAL AMOUNT OF LOAN GUARANTEES OUTCOMES - YR - TOTAL AMOUNT OF LOAN GUARANTEES 22 24 68700 9698194000 970806223.818 2504005096.571 OUTCOMES - YR - TOTAL AMOUNT PAID-OUT TO LENDERS OUTCOMES - YR - TOTAL AMOUNT PAID-OUT TO LENDERS OUTCOMES - YR - TOTAL AMOUNT PAID-OUT TO LENDERS OUTCOMES - YR - TOTAL AMOUNT PAID-OUT TO LENDERS OUTCOMES - YR - TOTAL AMOUNT PAID-OUT TO LENDERS 26 20 6201 189605612 27052049.231 50649068.073 OUTCOMES - YR - NO. OF LOANS THAT REQUIRED PAY-OUTS OUTCOMES - YR - NO. OF LOANS THAT REQUIRED PAY-OUTS OUTCOMES - YR - NO. OF LOANS THAT REQUIRED PAY-OUTS OUTCOMES - YR - NO. OF LOANS THAT REQUIRED PAY-OUTS OUTCOMES - YR - NO. OF LOANS THAT REQUIRED PAY-OUTS 22 24 4744 577.409 1395.04 OUTCOMES - YR - BUS. ASSISTED - TOTAL NO. OF BUS. OUTCOMES - YR - BUS. ASSISTED - TOTAL NO. OF BUS. OUTCOMES - YR - BUS. ASSISTED - TOTAL NO. OF BUS. OUTCOMES - YR - BUS. ASSISTED - TOTAL NO. OF BUS. OUTCOMES - YR - BUS. ASSISTED - TOTAL NO. OF BUS. 28 18 3 230000 12723.964 43731.586 OUTCOMES - YR - BUS. ASSISTED - NO. OF NEW JOBS CREATED OUTCOMES - YR - BUS. ASSISTED - NO. OF NEW JOBS CREATED OUTCOMES - YR - BUS. ASSISTED - NO. OF NEW JOBS CREATED OUTCOMES - YR - BUS. ASSISTED - NO. OF NEW JOBS CREATED OUTCOMES - YR - BUS. ASSISTED - NO. OF NEW JOBS CREATED 13 33 29 204103 18552.846 55973.556 OUTCOMES - YR - BUS. ASSISTED - NO. OF NEW BUS. OUTCOMES - YR - BUS. ASSISTED - NO. OF NEW BUS. OUTCOMES - YR - BUS. ASSISTED - NO. OF NEW BUS. OUTCOMES - YR - BUS. ASSISTED - NO. OF NEW BUS. OUTCOMES - YR - BUS. ASSISTED - NO. OF NEW BUS. 13 33 4 29600 3140.769 8179.15 OUTCOMES - YR - BUS. ASSISTED - NO. OF NEW JOBS CREATED OUTCOMES - YR - BUS. ASSISTED - NO. OF NEW JOBS CREATED OUTCOMES - YR - BUS. ASSISTED - NO. OF NEW JOBS CREATED OUTCOMES - YR - BUS. ASSISTED - NO. OF NEW JOBS CREATED OUTCOMES - YR - BUS. ASSISTED - NO. OF NEW JOBS CREATED 4 42 19 10000 2687.5 4883.499 OUTCOMES - YR - BUS. ASSISTED BY SIZE - MICRO ENTERPRISES OUTCOMES - YR - BUS. ASSISTED BY SIZE - MICRO ENTERPRISES OUTCOMES - YR - BUS. ASSISTED BY SIZE - MICRO ENTERPRISES OUTCOMES - YR - BUS. ASSISTED BY SIZE - MICRO ENTERPRISES OUTCOMES - YR - BUS. ASSISTED BY SIZE - MICRO ENTERPRISES 16 30 4158 700.125 1165.331 OUTCOMES - YR - BUS. ASSISTED BY SIZE - SMALL OUTCOMES - YR - BUS. ASSISTED BY SIZE - SMALL OUTCOMES - YR - BUS. ASSISTED BY SIZE - SMALL OUTCOMES - YR - BUS. ASSISTED BY SIZE - SMALL OUTCOMES - YR - BUS. ASSISTED BY SIZE - SMALL 18 28 3 34919 2228.278 8193.159 OUTCOMES - YR - BUS. ASSISTED BY SIZE - MED OUTCOMES - YR - BUS. ASSISTED BY SIZE - MED OUTCOMES - YR - BUS. ASSISTED BY SIZE - MED OUTCOMES - YR - BUS. ASSISTED BY SIZE - MED OUTCOMES - YR - BUS. ASSISTED BY SIZE - MED 16 30 1 11470 918.563 2833.416 OUTCOMES - YR - BUS. ASSISTED BY SIZE - LARGE OUTCOMES - YR - BUS. ASSISTED BY SIZE - LARGE OUTCOMES - YR - BUS. ASSISTED BY SIZE - LARGE OUTCOMES - YR - BUS. ASSISTED BY SIZE - LARGE OUTCOMES - YR - BUS. ASSISTED BY SIZE - LARGE 9 37 83801 9314 27932.626 OUTCOMES - YR - BUS. ASSISTED BY SECTOR - MANUFACTURING OUTCOMES - YR - BUS. ASSISTED BY SECTOR - MANUFACTURING OUTCOMES - YR - BUS. ASSISTED BY SECTOR - MANUFACTURING OUTCOMES - YR - BUS. ASSISTED BY SECTOR - MANUFACTURING OUTCOMES - YR - BUS. ASSISTED BY SECTOR - MANUFACTURING 20 26 83801 8039.921 22091.437 OUTCOMES - YR - BUS. ASSISTED BY SECTOR - SERVICES OUTCOMES - YR - BUS. ASSISTED BY SECTOR - SERVICES OUTCOMES - YR - BUS. ASSISTED BY SECTOR - SERVICES OUTCOMES - YR - BUS. ASSISTED BY SECTOR - SERVICES OUTCOMES - YR - BUS. ASSISTED BY SECTOR - SERVICES 20 26 2 92563 7314.849 21498.678 OUTCOMES - YR - BUS. ASSISTED BY SECTOR - AGRICULTURE OUTCOMES - YR - BUS. ASSISTED BY SECTOR - AGRICULTURE OUTCOMES - YR - BUS. ASSISTED BY SECTOR - AGRICULTURE OUTCOMES - YR - BUS. ASSISTED BY SECTOR - AGRICULTURE OUTCOMES - YR - BUS. ASSISTED BY SECTOR - AGRICULTURE 17 29 18886 1229.824 4554.677 OUTCOMES - YR - BUS. ASSISTED BY SECTOR - CONSTRUCTION OUTCOMES - YR - BUS. ASSISTED BY SECTOR - CONSTRUCTION OUTCOMES - YR - BUS. ASSISTED BY SECTOR - CONSTRUCTION OUTCOMES - YR - BUS. ASSISTED BY SECTOR - CONSTRUCTION OUTCOMES - YR - BUS. ASSISTED BY SECTOR - CONSTRUCTION 18 28 1 80000 6343.611 19719.647 OUTCOMES - REPORTING YR OUTCOMES - REPORTING YR OUTCOMES - REPORTING YR OUTCOMES - REPORTING YR OUTCOMES - REPORTING YR 29 17 2006 2007 Sysmiss ADDITIONAL COMMENTS ADDITIONAL COMMENTS ADDITIONAL COMMENTS ADDITIONAL COMMENTS ADDITIONAL COMMENTS 28 1. Number of Default loans. This is the number of loans that had non payment incidents. However, many of them started to perform again or didn't requrie KredEX's indemnification because of other collaterals covered the residual principal of t 1. We have reported small businesses along the medium sized ones. 2 Commerce included 235 businesses in the commerce sector 9. Eligibility Small sales less than 2 million dollars. Medium Between 2 and 20 million dollars, and Large Over 20 million dollars. ALMI Foretagspartner AB is owned by the state and is the parent company of a group of 21 subsidiaries which are 51 percent owned by a parent company. Other owners are country councils, regional authorities and municipal cooperative bodies. Th Above data in USD. 1 USD = 9,500 IDR Assisted by size data represents small and medium enterprises together. CGC in order to expand its outreach approach, signed protocols with the Industrial development authority (IDA) on 17/1/2007. and with the Egyptian Organization for Standardization and quality (EOS). On 3/26/2007. In this regard, it also signe Construction includes transportation and infrastructure. Breakdown per size and by sector provided in number of loans, not business. Credit guarantee Schemes for the World. (in Korean( for your reference. Data above in HU currency. HU .4293 = EUR 1 For more information please consult with us at our website www.sowalfin.be and download our activity reports. For more information, please visit our website at www.sbcg.or.th and annual report of 2006 can be downloaded from our site. 25. Data in Baht where applicable. Government contribution is 698 million SLR. I will gladly respond to any questions concerning interpretation. The text of the questions sometimes does not permit for simple answers because of our structuring. In the Portuguese Guarantee Scheme one can find the public owned fund ( the mutual counter fund), 4 Mutual Guarantee Societies whose share capital is mostly owned by SMEs, chambers of commerce and banks, and a specific entity (SPGM) which funct Question 2. 15 909, 77 mil SKK. Average value of guarantees for 2006 3729 mil SKK, and total amount of loan guarantees 1 763,8 mil SKK. SBA's budget for this program covers administrative costs, but does not cover program losses. All program losses are covered by fees charged to lenders and borrowers. SBA estimates these costs and sets program fees accordingly. There is a li Stock data for the period May 2002-April 30 2007. Exchange rates as of June 4th 2007 USS$ 1 = 2.42 RON. Including trade and other difficult to categorize buisness Bussines by sector Services. The ACGF was formed through the agreement dated April 20, 1976 between the government of the USA (USAID), Bahamas Ministry of Agriculture and Fisheries and Central Bank of the Bahamas (Trustee) pursuant to the project agreement BARTAD. The pur The Credit guaranete fund Trust for Small Industries (CGTSI) has been launched by the Government of India and Small Industries Development Bank of India (SIDBI) to make available collateral free and third party guarantee free credit to the indu The fixed exchange rate is EUR 1 = Litas 3.4528 The guarantee fund of the Financing program for the Rural sector to help the Nourishment security FONGA-FINSA, is a trust (fideicomiso) established by the European Union in BANHPROVI, to guarantee the credits awarded to intermediate financiers The guarantee funds for micro, small and medium businesses has been created by law on July 3rd, 1995 and regulated by decree 12604 in 1996, 12466 in 2001, and 19610 in 1998. The answers to the survey have been presented taking the following in The guarantry fond GF is funded by the state of the Republic of Macedonia. MBDP is managing the GF, GF is intended to SMEs investment loans, lent by commercial banks in RM. Since 2006, when GF was established, there is no guaranty issued. The primary guarantee activity is still in a start up phase. We think we will be able to begin by September as soon as Central Bank of Italy will release the authorization to operate. This is the reason why no budget nor statistical data are The program finances up to 90% of the cost of the assets used to operate a business. Government provides to lenders a loan guarantee of 8% of net losses while the lender is responsible for the other 15%. Lenders must register security against USD 1 = NT 32.955 Mid June 2007. The statements in red represent slight revision to meet our Fund's practice. COUNTRY CODE COUNTRY CODE COUNTRY CODE COUNTRY CODE COUNTRY CODE 46 ARG BEL BHS BRA CAN CHE CHL COL CRI EGY ESP EST FRA GBR GRC HND HRV HUN IDN IND ISR ITA LKA LTU LUX MAC MDA MEX MKD MLT NLD PAN PER PRK PRT PRY ROM SLV SVK SWE THA TUR TWN URY USA VEN REGION REGION REGION REGION REGION 46 East Asia & Pacific Europe & Central Asia High Income Latin America & Caribbean Middle East & North Africa South Asia INCOME GROUP INCOME GROUP INCOME GROUP INCOME GROUP INCOME GROUP 46 High Income Low Income Lower Middle Income Upper Middle Income GDPPC GDPPC GDPPC GDPPC GDPPC 45 1 2488.63 69245.922 18927.387 14362.975 GDP GDP GDP GDP GDP 46 3265583872 13201800000000 671765558498.783 1975113364461.73 BANK CREDIT BANK CREDIT BANK CREDIT BANK CREDIT BANK CREDIT 45 1 394409006 30378700000000 1152000046930.98 4546340752923.78 BANK CREDIT/GDP BANK CREDIT/GDP BANK CREDIT/GDP BANK CREDIT/GDP BANK CREDIT/GDP 45 1 0.0276 2.301 0.868 0.59 TOTAL ASSETS (VALUE) / BANK CREDIT TOTAL ASSETS (VALUE) / BANK CREDIT TOTAL ASSETS (VALUE) / BANK CREDIT TOTAL ASSETS (VALUE) / BANK CREDIT TOTAL ASSETS (VALUE) / BANK CREDIT 39 7 1.93e-06 0.0633 0.00272 0.01 TOTAL ASSETS (VALUE) / GDP TOTAL ASSETS (VALUE) / GDP TOTAL ASSETS (VALUE) / GDP TOTAL ASSETS (VALUE) / GDP TOTAL ASSETS (VALUE) / GDP 40 6 8.96e-07 0.00526 0.000877 0.00107 TOTAL ASSETS (VALUE) / GDPPC TOTAL ASSETS (VALUE) / GDPPC TOTAL ASSETS (VALUE) / GDPPC TOTAL ASSETS (VALUE) / GDPPC TOTAL ASSETS (VALUE) / GDPPC 39 7 2.97 951194.625 43130.967 155502.282 NO. OF EMPLOYEES / GDPPC NO. OF EMPLOYEES / GDPPC NO. OF EMPLOYEES / GDPPC NO. OF EMPLOYEES / GDPPC NO. OF EMPLOYEES / GDPPC 35 11 0.312 0.017 0.0547 GUARANTEE LIMIT - MAXIMUM: NATIONAL CURRENCY / GDPPC GUARANTEE LIMIT - MAXIMUM: NATIONAL CURRENCY / GDPPC GUARANTEE LIMIT - MAXIMUM: NATIONAL CURRENCY / GDPPC GUARANTEE LIMIT - MAXIMUM: NATIONAL CURRENCY / GDPPC GUARANTEE LIMIT - MAXIMUM: NATIONAL CURRENCY / GDPPC 22 24 2.963 1144.169 116.83 242.012 GUARANTEE LIMIT - MINIMUM: NATIONAL CURRENCY / GDPPC GUARANTEE LIMIT - MINIMUM: NATIONAL CURRENCY / GDPPC GUARANTEE LIMIT - MINIMUM: NATIONAL CURRENCY / GDPPC GUARANTEE LIMIT - MINIMUM: NATIONAL CURRENCY / GDPPC GUARANTEE LIMIT - MINIMUM: NATIONAL CURRENCY / GDPPC 4 42 0.239 12.106 3.314 5.863 PCG OPERATING BUDGET - AMOUNT / GDPPC PCG OPERATING BUDGET - AMOUNT / GDPPC PCG OPERATING BUDGET - AMOUNT / GDPPC PCG OPERATING BUDGET - AMOUNT / GDPPC PCG OPERATING BUDGET - AMOUNT / GDPPC 28 18 0.129 22860.797 2940.893 5389.085 OUTCOMES - STOCK - NO. OF LOANS GUARANTEED / GDPPC OUTCOMES - STOCK - NO. OF LOANS GUARANTEED / GDPPC OUTCOMES - STOCK - NO. OF LOANS GUARANTEED / GDPPC OUTCOMES - STOCK - NO. OF LOANS GUARANTEED / GDPPC OUTCOMES - STOCK - NO. OF LOANS GUARANTEED / GDPPC 28 18 0.000663 67.939 4.033 13.143 OUTCOMES - STOCK - NO. OF GUARANTEE REQUESTS DENIED / GDPPC OUTCOMES - STOCK - NO. OF GUARANTEE REQUESTS DENIED / GDPPC OUTCOMES - STOCK - NO. OF GUARANTEE REQUESTS DENIED / GDPPC OUTCOMES - STOCK - NO. OF GUARANTEE REQUESTS DENIED / GDPPC OUTCOMES - STOCK - NO. OF GUARANTEE REQUESTS DENIED / GDPPC 16 30 0.22 0.0397 0.057 OUTCOMES - STOCK - AVERAGE VALUE OF GUARANTEES / GDPPC OUTCOMES - STOCK - AVERAGE VALUE OF GUARANTEES / GDPPC OUTCOMES - STOCK - AVERAGE VALUE OF GUARANTEES / GDPPC OUTCOMES - STOCK - AVERAGE VALUE OF GUARANTEES / GDPPC OUTCOMES - STOCK - AVERAGE VALUE OF GUARANTEES / GDPPC 23 23 0.151 29.951 6.459 7.699 OUTCOMES - STOCK - NO. OF DEFAULT LOANS / GDPPC OUTCOMES - STOCK - NO. OF DEFAULT LOANS / GDPPC OUTCOMES - STOCK - NO. OF DEFAULT LOANS / GDPPC OUTCOMES - STOCK - NO. OF DEFAULT LOANS / GDPPC OUTCOMES - STOCK - NO. OF DEFAULT LOANS / GDPPC 19 27 0.261 0.0316 0.0639 OUTCOMES - STOCK - AVERAGE DEFAULT AMOUNT / GDPPC OUTCOMES - STOCK - AVERAGE DEFAULT AMOUNT / GDPPC OUTCOMES - STOCK - AVERAGE DEFAULT AMOUNT / GDPPC OUTCOMES - STOCK - AVERAGE DEFAULT AMOUNT / GDPPC OUTCOMES - STOCK - AVERAGE DEFAULT AMOUNT / GDPPC 15 31 0.0385 13.426 3.732 4.113 OUTCOMES - STOCK - TOTAL AMOUNT OF LOAN GUARANTEES / GDPPC OUTCOMES - STOCK - TOTAL AMOUNT OF LOAN GUARANTEES / GDPPC OUTCOMES - STOCK - TOTAL AMOUNT OF LOAN GUARANTEES / GDPPC OUTCOMES - STOCK - TOTAL AMOUNT OF LOAN GUARANTEES / GDPPC OUTCOMES - STOCK - TOTAL AMOUNT OF LOAN GUARANTEES / GDPPC 15 31 47.934 134809.594 38810.875 44401.418 OUTCOMES - STOCK - TOTAL AMOUNT PAID-OUT TO LENDERS / GDPPC OUTCOMES - STOCK - TOTAL AMOUNT PAID-OUT TO LENDERS / GDPPC OUTCOMES - STOCK - TOTAL AMOUNT PAID-OUT TO LENDERS / GDPPC OUTCOMES - STOCK - TOTAL AMOUNT PAID-OUT TO LENDERS / GDPPC OUTCOMES - STOCK - TOTAL AMOUNT PAID-OUT TO LENDERS / GDPPC 17 29 4.975 12646.464 1671.968 3089.497 OUTCOMES - STOCK - NO. OF LOANS THAT REQUIRED PAY-OUTS / GDPPC OUTCOMES - STOCK - NO. OF LOANS THAT REQUIRED PAY-OUTS / GDPPC OUTCOMES - STOCK - NO. OF LOANS THAT REQUIRED PAY-OUTS / GDPPC OUTCOMES - STOCK - NO. OF LOANS THAT REQUIRED PAY-OUTS / GDPPC OUTCOMES - STOCK - NO. OF LOANS THAT REQUIRED PAY-OUTS / GDPPC 15 31 2.018 0.15 0.518 LOG(GDPPC) LOG(GDPPC) LOG(GDPPC) LOG(GDPPC) LOG(GDPPC) 45 1 7.819 11.145 9.551 0.817