International Finance Corporation2017-06-132017-06-132012https://hdl.handle.net/10986/27115Banks in emerging markets are increasingly providing non-financial services to their SME clients, typically consisting of information sharing, training and consultancy. This study, published by IFC in partnership with the Austrian Government, is the first to explore reasons behind this trend, finding that banks' key motivations include attracting and retaining customers, and strengthening portfolio quality. The report consists of an overview followed by case studies of three banks, namely Türk Ekonomi Bankasý (TEB), Standard Chartered Bank (SCB), and ICICI Bank. It is estimated that there are 365 to 445 million formal and informal micro, small, and medium enterprises, with a subset of 25 to 35 million formal SMEs, in the developing world. Of these, 70 percent do not use external financing from financial institutions, although they are in need of it. Approximately 85 percent suffer from credit constraints.en-USCC BY-NC-ND 3.0 IGOACCESS TO FINANCEACCESS TO FINANCIAL SERVICESACCESS TO INFORMATIONACCOUNTINGAFFILIATESASSISTANCE TO BUSINESSESAUDITINGB2BBALANCE SHEETBANK ACCESSBANK ACCOUNTBANK ASSETSBANK BRANCHESBANK COMPETITIONBANK FINANCINGBANK LENDINGBANK LOANBANK LOANSBANK MANAGEMENTBANK OFFICIALSBANK SERVICESBANKING INDUSTRYBANKING SECTORBANKING SERVICESBANKSBEST PRACTICESBUSINESS ADVICEBUSINESS ADVISORYBUSINESS ASSESSMENTBUSINESS ASSESSMENTSBUSINESS CENTERBUSINESS CENTERSBUSINESS DEVELOPMENTBUSINESS EDUCATIONBUSINESS ENVIRONMENTBUSINESS IDEABUSINESS MANAGEMENTBUSINESS MENTORSBUSINESS MODELBUSINESS MODELSBUSINESS NEEDSBUSINESS OPERATIONSBUSINESS OWNERSBUSINESS PARTNERSBUSINESS PERFORMANCEBUSINESS PLANBUSINESS PLANNINGBUSINESS PLANSBUSINESS PROBLEMSBUSINESS RELATIONSHIPSBUSINESS RESOURCESBUSINESS SERVICEBUSINESS SOFTWAREBUSINESS STARTUPBUSINESS STRATEGYBUSINESS TOOLSBUSINESS TRAININGBUSINESS-TO-BUSINESSCALL CENTERCAPACITY BUILDINGCAPACITY-BUILDINGCASH FLOWCASH MANAGEMENTCERTIFICATECOLLATERALCOMMERCIAL BANKSCOMPETITIVE ADVANTAGECOMPETITIVENESSCONSULTING SERVICECONSULTING SERVICESCORPORATE BANKINGCORPORATIONCOST-SHARINGCREDIT CONSTRAINTSCREDIT CONTROLCREDIT GAPCREDIT REPORTSCREDIT RISKCREDIT-SCORINGCREDITSCUSTOMER BASECUSTOMER LOYALTYCUSTOMER SERVICEDATA ANALYSISDAY-TO-DAY MANAGEMENTDELINQUENCY RATEDELINQUENCY RATESDEVELOPMENT BANKECONOMIC DEVELOPMENTELECTRONIC MEDIAEMERGING MARKETSEMPLOYEEEMPOWERMENTENTERPRISE RESOURCE PLANNINGENTERPRISE SECTORENTREPRENEURSENTREPRENEURSHIPENTRY BARRIERSEXTERNAL FINANCINGFACTORINGFARMERFINANCIAL ANALYSISFINANCIAL INSTITUTIONFINANCIAL INSTITUTIONSFINANCIAL MANAGEMENTFINANCIAL NEEDSFINANCIAL PRODUCTSFINANCIAL RESOURCESFINANCIAL SERVICEFINANCIAL SERVICESFINANCIAL SKILLSFINANCIAL SUPPORTFINANCIAL SUSTAINABILITYFINANCIAL TOOLFINANCIAL TOOLSFINANCING NEEDSFIRMSFOREIGN TRADEGENDERGEOGRAPHIC REGIONGEOGRAPHIC REGIONSGLOBAL MARKETSGROWTH STRATEGIESHUMAN RESOURCESIMAGEIMMEDIATE ACCESSINFORMATION ASYMMETRYINFORMATION DISSEMINATIONINFORMATION SERVICESINFORMATION SHARINGINFORMATION TECHNOLOGYINSURANCEINTEREST RATESINTERNATIONAL BANKSINTERNATIONAL FINANCEKEY CHALLENGESLEGISLATIONLIMITED ACCESSLOAN APPLICANTSLOAN APPLICATIONSLOAN DELINQUENCYLOAN GUARANTEESLOAN REQUESTLOCAL GOVERNMENTMANAGEMENT INFORMATION SYSTEMSMANUFACTURINGMARKET DEMANDMARKET DEMANDSMARKET INFORMATIONMARKET OPPORTUNITIESMARKET OPPORTUNITYMARKET PRICESMARKET RESEARCHMARKETINGMEDIUM ENTERPRISEMEDIUM ENTERPRISESMICRO BUSINESSMICROFINANCEMICROFINANCE INSTITUTIONSMUTUAL FUNDSNATIONAL BANKNETWORKING OPPORTUNITIESNEW BUSINESSNEW MARKETNEWSLETTERSONLINE BUSINESSOPERATIONAL COSTSOUTREACHPHONEPHONE LINEPOOR ACCESSPRIVATE BANKINGPRIVATE SECTORPRODUCT DESIGNPRODUCT DEVELOPMENTPRODUCTION CAPACITYPRODUCTIVITYPROFITABILITYPUBLIC BANKPURCHASING POWERREPAYMENTRESULTRESULTSRETENTIONRETURN ON INVESTMENTRISK MANAGEMENTSELF-HELPSERVICE PROVIDERSSMALL BANKSSMALL BUSINESSSMALL BUSINESS BANKINGSMALL BUSINESSESSMESME CLIENTSME CLIENTSSOCIAL RESPONSIBILITYSPREADSHEETSSTART-UPSUPPLIERSSUPPLY CHAINSUPPORT FOR WOMENTAX CODETAX LEGISLATIONTAXATIONTECHNICAL ASSISTANCETECHNICAL KNOWLEDGETELECOMMUNICATIONSTELEPHONETELEVISIONTIME DEPOSITSTIME PERIODTRAINING CENTERSTRAINING COURSESTRANSACTIONTRANSACTION COSTSTREASURY BILLSUSERSUSESVIDEOVIDEOSWEBWEB PORTALWEB SITEWEB SITESWHITE PAPERSWOMEN BUSINESS OWNERSWOMEN ENTREPRENEURSWOMEN IN BUSINESSWORKING CAPITALWorking PaperInternational Finance Corporation10.1596/27115