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Alexbank - SME Workshops and Trainings

 | Published April 24, 2017  -  Deadline May 25, 2017
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Project Description: Alexbank ("AXB" or the "Client") is the 9th largest bank in Egypt by asset size and the 6th largest private bank. The Client has a market share of approximately 1.9%, 3.1% and 2.0% by asset, lending and deposit respectively at the end of 2015. AXB has one of the largest branch networks among commercial banks in Egypt. Intesa SanPaolo (“ISP”) has 70.25% of AXB’s shares, 20% was retained by the Egyptian government and 9.75% are held by IFC since 2009.

Access to finance remains a key issue in Egypt and has been made a top priority for the Government of Egypt. Currently, loans to SMEs account for only c.6% of the total loan portfolio of Egyptian banks. Some of the principal constraints for SME lending are the lack of MSME transparency and poor credit information, which is partially due to lack of financial literacy of SMEs.

The European Bank for Reconstruction and Development’s (the "EBRD" or the "Bank") senior unsecured loan of up to USD 50 million to AXB will increase funding available to Egyptian SMEs, which are currently under-served by the local banking sector. AXB has identified SME lending as an important pillar of its recently approved growth strategy. The loan will assist AXB develop its SME lending activities and expand access to finance for SMEs.

Assignment Description: The EBRD intends to provide technical assistance to selected SMEs to improve their ability to receive financing by providing training to improve the quality of their loan applications, financial skills and general business know-how, among others (the “Assignment”).

The overall objective of the Assignment is to engage the services of a consultant (the “Consultant”) to conduct workshops or trainings to support AXB’s existing and potential SME clients in accessing know-how in several relevant business areas. The objective of the workshops or trainings is to equip the SMEs non-financial managers/owners with the necessary skills (basic financial management, organisational, operations, quality management and marketing skills) to make better business decisions.

Understanding financial information and its implications on the business operations will allow the managers/owners to make better decisions and improve the quality of their loan applications and therefore increasing their chances of accessing finance.

The Consultant(s) shall perform the following tasks:

Know-How of SMEs
Develop, prepare and conduct a series of interactive workshops in cooperation with AXB for the bank’s SME clients or potential clients on topics of interest and relevant for their growth to the target group.

The topics of the workshops shall include, but not limited to, the following areas:

• Financial management
• Marketing
• Organisational skills
• Corporate Governance
• Technology, payment and solutions
• Quality management
• Environment
• Digital economy and alternative distribution channels

Based on the required outcomes and deliverables, the Consultant shall customize the content of the training program to fit the selected SMEs’ backgrounds as well as prepare the supporting material accordingly. The training material will be tailored for an audience with limited knowledge of Finance and accounting.

The trainings/workshops will be delivered in the form of interactive two-day training sessions for each group. An agenda will be designed for each specific topic in collaboration with AXB. All training materials will be provided in Arabic.

Assignment Start Date and Duration: The Assignment is expected to start in July 2017 and have an estimated overall duration of eighteen (18) months.

Maximum Cost Estimate for the Assignment: EUR 150,000.00 (exclusive of VAT)
The Consultant must determine whether any indirect taxes/VAT are chargeable on the proposed services and state the basis for such. If any indirect taxes/VAT are payable, the EBRD’s Client will have to pay indirect taxes/VAT element to the services directly to the Consultant unless otherwise agreed.

Funding Source: It is anticipated that the Assignment will be financed by the EBRD Shareholder Special Fund. Selection and contracting is subject to the availability of funding.

Eligibility: There are no eligibility restrictions

Consultant Profile: Corporate services are required. Consultant will be a firm or a group of firms with preferably previous project experience related to:

1.  Business planning, financial support, coaching and mentoring, and/or related training in Egypt.

2. Experience in SME lending and managing similar assignments in Egypt and/or the North Africa region. Knowledge of the Egyptian banking sector and SME finance situation will be considered an advantage.

The Consultant’s team is expected to comprise Key Experts as follows:

Key Expert No. 1: Project Manager (“PM”) with preferably 10 years relevant previous professional experience in SME lending and demonstrable knowledge of the Egyptian banking sector and SME finance situation and conducting training on the entire transaction cycle for SME lending and managing similar assignments in Egypt and or the close region and relevant qualifications with excellent communication, training, and presentation skills.

• Key Expert No. 2: Pool of additional experts with preferably 5 years relevant previous professional experience related to SMEs in:
- Financial management;
- Marketing & sales; International Trade (Export & Import)
- Organisational skills;
- Corporate Governance;
- Technology, payment and solutions;
- Quality management;
- Environment;
- Digital economy and alternative distribution channels.

All Key Experts should be able to communicate effectively in English and Arabic languages. A good mix of international and local experts is therefore required.

Submission Requirements: In order to determine the capability and experience of consulting firm, the information submitted should include the following:

1. Brief overview of the firm/group of firms including company profile, organization and staffing;

2. Details of previous project experience of firm or group of firms and related assignments undertaken in the previous five years, including information on contract value, contracting entity/client, project location/country, duration (mm/yy to mm/yy), expert months provided , assignment budget, percentage carried out by consultant in case of association of firms or subcontracting, main activities, objectives;

3.  CVs of key experts who could carry out the Assignment detailing qualifications, experience in similar assignments (particularly assignments undertaken in the previous five years), including information on contracting entity/client, project location/country, duration (mm/yy to mm/yy), expert months provided, assignment budget, main activities, objectives;

4.  Completed Consultant Declaration Form and Contact Sheet, the template for which is available at: http://www.ebrd.com/pages/workingwithus/procurement/notices/csu/contact_sheet.doc The above information should not exceed 20 pages, excluding CVs and Consultant Declaration Form and Contact Sheet.

The complete expression of interest (including CVs, Contact Sheet, Declaration Form) shall be submitted in English and Arabic, in electronic format preferably as one file (pdf or Word format), clearly labelled “Expression of Interest for Alexbank – SME Workshops and Trainings” to the Client's contact person detailed below not later than the closing date and time with a copy of the complete expression of interest submitted in English and Arabic in electronic format preferably as one file (pdf or Word format) to EBRD’s contact person by the same due date and time. 

Important Notes:

1. Selection and contracting will normally be made from responses to this notification. The highest-ranked Consultant will be selected from a shortlist and be invited to negotiate the contract, subject to availability of funding.

2. Expressions of Interest will be evaluated against the following criteria and respective weightings:

(a) Firm’s previous project experience related to SME lending policies and procedures and related training undertaken in the previous 5 years (30%)

(b)  Firm’s previous project experience in working on similar assignment in Egypt and/or North Africa (20%)

(c) CVs of proposed Key Experts Nos. 1 and 2 with previous project experience in the relevant sector in Egypt and/or North Africa (30%)

d) CVs of local experts with previous project experience in the relevant sector in the relevant sector in Egypt and/or North Africa – (20%)

 

 

The Client Contact Person:

Safinaze Abaza
Alexbank
Head of Training
Tel: +202 23992000 Ext: 7469
E-mail: Safinaze.Abaza@alexbank.com

 

The EBRD's Contact Person:

Mrs Viv Headlam
European Bank for Reconstruction and Development
One Exchange Square
London EC2A 2JN
UK
Tel: +44 207 338 6885
Email: lewishev@ebrd.com

Central Bank of Egypt - Central Securities Depository for Government Securities

 | Published January 12, 2015  -  Deadline June 30, 2017
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GENERAL PROCUREMENT NOTICE
 
The Central Bank of Egypt (CBE) [the Executing Agency] intends using various funds made available by the European Bank for Reconstruction and Development [EBRD], the Middle East and North Africa (MENA) Transition Fund, the African Development Bank (AfDB) and the CBE for the Project “Central Bank of Egypt - Clearing, Settlement and Depositary for Government Securities”.
 
The proposed project has a total estimated cost of USD 6.63 million equivalent, of which part of the project funds will finance the procurement of the following:
  1. Core System Components
  1. Sub-component 2.1: Primary Market (Auctioning System)
  2. Sub-component 2.2: Secondary Market (CSD & Collateral Management System)
  3. Sub-component 2.3: Repo Auction
  4. Sub-component 2.4: Trading Platform
  1. Interface with other Systems
  1. Sub-component 3.1: Interface with MCDR & EGX
  2. Sub-component 3.2: Clearstream and Euroclear Interfaces
  3. Sub-component 3.3: Bond Dealer Interface
  1. Data Warehouses & Information Dissemination Platform
  2. Hardware
  3. Consultancy services for Egypt (TCS 46361): Scoping and Implementation Support – Central Securities  Depository (CSD) for Government Securities at the Central Bank of Egypt (CBE)
  4. Consultancy services for Egypt (TCS 46360): Yield Curve Pricing Model for Government Securities at the Central Bank of Egypt (CBE)
  5. Additional Consultancy services, if required and to be specified at a later stage.
The proceeds of the funding that is provided by AfDB, EBRD and MENA Transition Fund will be subject to the EBRD's Procurement Policies and Rules and will be open to firms from any country. The funds will not be used for the purpose of any payment to persons or entities, of for any import of goods, if such payment or import is prohibited by a decision of the United Nations Security Council taken under Chapter VII of the Charter of the United Nations or under a law of official regulation of the Purchaser's country. The procurement for Hardware component is funded by the CBE and the procurement process will be subject to its rules.
Interested suppliers, contractors and consultants should contact:
Executing Agency (Client):
Central Bank of Egypt
54 Al-Gomhoreya St., Cairo - Egypt
 
The Client Contact Person:
Salwa Ayoub
Senior IT Project Manager
Payments Systems and Business Technology Sector
 

Central Bank of Egypt - Central Securities Depository Government Securities

 | Published March 16, 2017  -  Deadline May 2, 2017
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Central Bank of Egypt

Data Warehouse

Tender No: EG CBE 17 0002

EBRD Ref: TCS ID: 43199

 

This Invitation for a Tender follows the General Procurement Notice for this project, which was published on the European Bank for Reconstruction and Development (EBRD) website, Procurement Notices (http://www.ebrd.com/work-with-us/procurement/p-pn-43199.html) on 12 January 2015.

 

The Central Bank of Egypt hereinafter referred to as “the Purchaser”, intends using part of the proceeds of a grant from the Middle East and North Africa (MENA) Transition Fund and the EBRD towards the cost of the Data Warehouse.

All grants will be administered by the EBRD.

The Purchaser now invites sealed tenders from Suppliers for the following, hereinafter referred to as “the Contract” to be funded from part of the proceeds of the grants.

The Contract to be financed with the proceeds of the Bank administered grant funds will be subject to the Bank's Procurement Policies and Rules and will be open to firms and joint ventures from any country. The proceeds of the Bank administered grant funds will not be used for the purpose of any payment to persons or entities, or for any import of goods, if such payment or import is prohibited by a decision of the United Nations Security Council taken under Chapter VII of the Charter of the United Nations or under a law of official regulation of the Purchaser's country.

As part of the modernisation of the Egyptian government securities market, the Client will establish a Data Warehouse (DW) system.

The DW is intended to allow analysis by the Client of market data and, in particular, market liquidity using information supplied from either internal systems run by the Client or external systems. Examples of internal systems are the RTGS (the Client’s Real Time Gross Settlement system), the CSD (a new Client Central Securities Depository system) or external data sources such as exchange rates and indices.

The DW is not meant to be used for supervision purposes.

The key requirements of the systems, which will be specified in detail in the tender documents, are as follows.

•     The DW must support a range of input methods. Eg Application Program Interface (API), Files in various format (fixed format, .csv, common standards such as FIX, ISO 15022 and ISO 20022) and user screen input

•     The data that can be stored can be of different time scales

•     The DW system must be capable of handling at least 7 years of historical data

•     The DW system must enable users to retrieve data by either a file interface (for regularly produced reports) or by a screen-based interface

•     The DW system must have the capability to analyse the information stored by using a query system on the data. The queries can be pre-defined or created by a user (and stored for later use) and can have parameters specified eg Start Date & End Date for data selection)

•     The DW system must have a reporting capability based on the queries created by a user which can output results interactively, to a printer or to a file. File formats can be fixed format, Excel (.csv,.xls,.xlsx), Word (.doc, .docx) or Adobe PDF.

To be qualified for the award of a contract, tenderers must pass the minimum requirements for performance and technical characteristics as set out in Part 2 of the tender documents. Where more than one tenderer meets the minimum requirements, tenders will be evaluated according to the criteria set out in Section III of the tender documents.

Tender documents may be obtained from the office at the address below in electronic form for which there will be no charge.

 

The documents will be promptly dispatched electronically to all entities, however, no liability can be accepted for loss or late delivery.

 

Tenders must be delivered to the office at the address below on or before 2 May 2017 at 13:00 Cairo time at which time they will be opened in the presence of those tenderers’ representatives who choose to attend.

 

Prospective tenderers may obtain further information from the following office:

Contact person: Salwa Ayoub
Title: Senior Project Manager
Payments and Business Technology Sector Central Bank of Egypt:                          

54 Al-Gomhoreya Street, Downtown
Cairo
P.O. 11511
Egypt

E-mail address: salwa.ayoub@cbe.org.eg

 

Egypt: Alexbank – Capacity Building for SME Lending

 | Published April 24, 2017  -  Deadline May 25, 2017
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Project Description: Alexbank ("AXB" or the "Client") is the 9th largest bank in Egypt by asset size and the 6th largest private bank. The client has a market share of approximately 1.9%, 3.1% and 2.0% by asset, lending and deposit respectively at the end of 2015. AXB has one of the largest branch networks among commercial banks in Egypt. Intesa SanPaolo (“ISP”) has 70.25% of AXB’s shares, 20% was retained by the Egyptian government and 9.75% are held by IFC since 2009.

Access to finance for SMEs remains a key issue in Egypt and has been made a top priority for the Government of Egypt. Currently, loans to SMEs account for only c.6% of the total loan portfolio of Egyptian banks. Some of the principal constraints for SME lending are the lack of SME transparency and poor credit information, which is partially due to lack of financial literacy of SMEs.

The European Bank for Reconstruction and Development’s (the "EBRD" or the "Bank") senior unsecured loan of up to USD 50 million to AXB will increase funding available to Egyptian MSMEs, which are currently under-served by the local banking sector. AXB has identified MSME lending as an important pillar of its recently approved growth strategy. The loan will assist AXB develop its MSME lending activities and expand access to finance for MSMEs.

Assignment Description: The EBRD intends to provide technical assistance in the form of capacity building (the "Assignment").  The Assignment will assist the Client in training its employees on MSME banking and finance topics and will include MSME specific concepts including, but not limited to risk, sales and marketing and shall include a ‘training-of-trainers’ element. The Assignment will help AXB to offer a broader variety of products and transfer know-how to management and staff which aim to improve the bank’s MSME lending skills and will potentially deliver an initial assessment of supply and demand factors influencing women-led MSMEs' access to finance at market and AXB-level.

The objectives of the Assignment are as follows:

- Build internal capacity at AXB through recommendations, assistance in implementation measures aiming at expanding MSME lending and risk management, as well as staff training in MSME lending. Review the bank's MSME strategy, current MSME product range, assist with new product development reflecting the Client's strategy and market needs, identifying possible areas for improvement in AXB’s products and processes, including if and when appropriate in relation to women-led MSMEs through an initial assessment.
- Assess feasibility, provide recommendations and assist with implementation of MSME credit scoring, as deemed appropriate.

The Consultant shall conduct the following tasks:

(a) Training for Internal Capacity Building at AXB

•  Undergo a "training needs" assessment with management and staff to identify the training needs for strengthening the entire transaction cycle for MSME lending and other areas of the bank. Design and conduct training for all those areas where training needs have been identified.

•  Design and conduct an ongoing programme of classroom seminars, workshops and on-the-job training for loan officers, branch managers, and other staff members on all relevant aspects of MSME lending (trainings to be provided in English and in Arabic on a needs basis). The trainings should include technical, organisation and soft skill knowledge.

•  Conduct training for loan officers to perform credit and cash flow analysis of MSMEs, underwriting, loan monitoring and loan recovery.

•  Conduct training for relationship managers on sales and marketing tools to address MSMEs.

•  Assist the bank in developing adequate in-house training capacities on risk management, (underwriting, credit and cash flow analysis, monitoring and recovery) and sales & marketing.

•  Design and implement the "training-of-trainers" programme in order to ensure the successful delivery and sustainability of the TC Assignment.

•  Prepare a full range of staff and loan officer training materials based the bank’s products, policies and procedures, and train internal trainers in the development, use and teaching of the materials.

•  Provide advice on general MSME implementation process, including in the area of sub loan underwriting decisions, portfolio monitoring & management, marketing & sales, internal controls, and risk management;

•  If and when appropriate, conduct an initial assessment to identify market gaps and possible areas for improvement in AXB’s products and processes to effectively serve women-led MSMEs.

•  Other areas such as but not limited to product range development, engaging and exploring alternative delivery channels, MSME expansion and marketing strategy as needs may arise.

(b) MSME credit scoring

A phased approach will be implemented to review and implement credit scoring capacity building measures:

1. Phase 1 shall include:

- Review volume and quality of data available and lending methodology
- Review adequacy of management information system (MIS) with AXB credit scoring system implementation (if available) and assess opportunities for implementation of credit scoring in AXB
- Make recommendations for implementation of credit scoring

2. Phase 2 (subject to outcomes of the Phase 1) (optional at the Client's discretion and might be replaced by training on existing system) shall include:

- Develop scorecard:
      - Identify priority segments for scorecard development and provide a general framework for sample "judgmental", statistical or hybrid scorecards for AXB with different MSME lending products;
       - Develop the appropriate credit scoring methodologies;
       - Develop fully proprietary scorecards (to be determined) for some products.
- Develop a time-bound program for the introduction of credit scoring;
- Identify any potential constraints and develop strategies for overcoming them;
- Develop an automated application processing system (APS) within existing MIS;
- Provide support with implementation.

Assignment Duration: The Assignment is expected to start in September 2017 and have an estimated overall duration of 18 months. Maximum Cost Estimate

Maximum Cost Estimate for the Assignment: EUR 400,000.00 (exclusive of VAT).
The Consultant must determine whether any indirect taxes/VAT are chargeable on the proposed services and state the basis for such. If any indirect taxes/VAT are payable, the EBRD’s Client will have to pay indirect taxes/VAT element to the services directly to the Consultant (up to 20%) unless otherwise agreed.

Funding Source: It is anticipated that the Assignment will be financed by the EBRD Shareholder Special Fund. Selection and contracting is subject to the availability of funding.

Eligibility: There are no eligibility restrictions.

Consultant Profile: Corporate services are required. The Consultant will be a firm or a group of firms with preferably previous project experience related to:

- MSME lending policies and procedures, MSME loan underwriting process, credit risk management, credit and cash flow analysis and credit scoring for MSME;

- Conducting training in Egypt, with a 'training-of-trainers’ element or experience in working on similar assignments in Egypt and/or the North African region. Knowledge of the Egyptian banking sector and SME finance situation will be considered an advantage.

The Consultant’s team is expected to comprise Key Experts as follows:

(a) Key Expert No. 1: Project Manager/Senior MSME Lending and Risk Management Expert with preferably 10 years relevant professional experience and qualifications in MSME lending and demonstrable knowledge of the Egyptian banking and MSME sector, conducting training on the entire transaction cycle for MSME lending with excellent communication, training and presentation skills and with proven track record of business processes and/or technology optimization for MSME lending. Fluency in both English and Arabic is essential.

(b) Key Expert No. 2: MSME Credit Scoring Expert with preferably four years relevant professional experience and qualifications in credit scoring and cash flow analysis including underwriting, loan monitoring and loan recovery of MSMEs, risk management and devising scoring systems for MSME lending.

(c) Key Expert No. 3: Marketing and Product Development Specialist with preferably four years relevant professional experience and qualifications in devising market strategies and plans in MSME area for commercial banks in both developed and emerging markets.

(d) Key Expert No. 4: IT Specialist with preferably six years relevant professional experience and IT qualifications in business processes automatization for MSME operations in a commercial bank.

(e) Pool of additional experts with preferably 5 years previous professional experience related to:
- Transaction cycle for MSME lending; - Credit and cash flow analysis for MSMEs; - Sales and marketing for MSMEs;
- Underwriting, loan monitoring and recovery of MSME loans;
- ‘Training of trainers’ programmes;
- Egyptian Banking sector, MSME finance situation, Egyptian corporate and banking law.

All key Experts should be able to communicate effectively in English and Arabic languages. A good mix of international and local experts is therefore required.

Submission Requirements: In order to determine the capability and experience of consulting firm, the information submitted should include the following:

1. Company/group of firms’ profile, organisation and staffing (max. 2-4 pages).

2. Details of previous project experience of firm or group of firms and related assignments undertaken in the previous five years, including information on contract value, contracting entity/client, project location/country, duration (mm/yy to mm/yy), expert months provided , assignment budget, percentage carried out by consultant in case of association of firms or subcontracting, main activities, objectives.

3. CVs of key experts who could carry out the Assignment detailing qualifications, experience in similar assignments (particularly assignments undertaken in the previous five years), including information on contracting entity/client, project location/country, duration (mm/yy to mm/yy), expert months provided, assignment budget, main activities, objectives.

4. Completed Consultant Declaration Form and Contact Sheet, the template for which is available at: http://www.ebrd.com/pages/workingwithus/procurement/notices/csu/contact_sheet.doc

The expression of interest should not exceed 20 pages, excluding CVs and Consultant Declaration Form and Contact Sheet.

The complete expression of interest (including CVs, Contact Sheet, Declaration Form) shall be submitted in English and Arabic, in electronic format preferably as one file (pdf or Word format), clearly labelled “Expression of Interest for Alexbank – Internal Capacity Building” to the Client's contact person detailed below to reach the Client not later than the existing closing date and time. One copy of the complete expression of interest shall be submitted in English and Arabic in electronic format preferably as one file (pdf or Word format) to EBRD’s contact person by the same due date and time.   

 

Important Notes:

1.  Following this invitation for expressions of interest, a shortlist of qualified firms will be formally invited to submit proposals.  Consultant selection and contracting will be subject to availability of funding.

2.  The shortlist criteria are as follows:

(a) Firm's previous project experience related to MSME lending policies and procedures, MSME loan underwriting process, credit risk management, credit and cash flow analysis, credit scoring for MSME and related training, including a 'training-of-trainers' element undertaken in the previous 5 years (30%)

(b) Firm's previous project experience in working on similar assignments in Egypt and/or the North African region (20%)

(c) CVs of Key Experts Nos. 1-4 with previous project experience in the relevant sector in Egypt and/or the North African region (30%)

(d) CVs of Pool of Experts with previous project experience in the relevant sector in Egypt and/or the North African region (20%)

 

The Client Contact Person:

Safinaze Abaza
Alexbank
Head of Training
Tel: +202 23992000 Ext. 7469
Email: Safinaze.Abaza@alexbank.com

 

The EBRD Contact Person:

Mrs Viv Headlam
European Bank for Reconstruction and Development
One Exchange Square
London EC2A 2JN
UK
Tel: +44 207 338 6885
Email: lewishev@ebrd.com

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