Investor Presentaiton
Case Studies - Financial Sector
ARM: Strengthening the Banking Sector for Financial Inclusion
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Client: Ameriabank CJSC (AMB)
ADB Commitment: $30m equity
Key Features:
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Access to finance in Armenia is problematic particularly for MSMES. 50% of
Armenia's 130,000 SMEs have no access to finance and this figure increases to
60-70% in rural areas. Some banks have started to target this segment
because of rising demand and higher yields, coupled with better
understanding of SMEs. AMB is one such bank and has been identified as a
strong partner for ADB to help improve access to finance in the country.
AME is the largest bank in Armenia in terms of assets and has a market share
of about 17% in total assets. It primarily serves corporate customers (75% of
its portfolio) with the remainder comprising SMEs and retail customers. In
recent years, AMB has shifted its strategy to emphasize SME lending. AMB has
conducted detailed market analysis and plans to roll out products tailored to
SMEs' needs. ADB's equity will assist expansion of AMB' SME lending and
bolster its capital base.
ADB will also provide technical assistance of up to $1 million to support digital
banking, IT systems, and risk management investments.
ADB's Value Addition:
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Support AMB expanding lending and new product offerings to SMEs, thus
supporting overall economic growth, job creation, and diversification.
Provide critically needed long-term, local currency funding in the absence of
well-developed capital markets.
Fund AMB's capital requirements for FY2018 and support AMB's planned IPO
by catalyzing other investors.
Approval Date: 27 September 2017
Commitment Date: 22 January 2018
A 32408
Client: Minsheng Financial Leasing Company Limited
ADB Commitment: $200m direct loan
Key Features:
MFL is a private financial institution which was established in 2008 as one of
the first five bank-owned financial leasing companies approved and regulated
by the China Banking Regulatory Commission.
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The transaction is to scale up the deployment of green vehicles, which will
mitigate traffic congestion and air pollution.
ADB's direct loan will be used to finance the leasing or purchasing of green
buses. The green buses eligible for ADB financing will need to meet Euro V-
equivalent emission standards and fall within at least one of these categories:
(i) energy-efficient and new-energy buses; or (ii) buses running on cleaner fuel
such as compressed or liquefied natural gas, or biomethane.
MFL will use the proceeds of the B Loan to finance (i) green vehicles, which
include green buses as well as other commercial vehicles and passenger cars
that meet the same emission standards and fall within the same categories of
the green buses; and (ii) batteries and charging stations for electric vehicles.
The project will be supported by TA to strengthen the capacity of bus
operators by providing information resources and training.
ADB's Value Addition:
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Promote green public transport.
Support the leasing sector through long-term funding.
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Support partnership between public and private sectors.
Catalyze private sector funding.
Approval Date: 30 August 2017
Commitment Date: 30 July 2018
7 October 2019
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