SGE, one of Bulgaria's leading banks in the consumer finance market, is increasingly interested in expanding its small and medium-sized enterprise (SME) loan portfolio and has introduced tailored SME products, created a dedicated SME department, and concentrated efforts on increasing the commercial structures aimed at SME customers. Within the framework of the European Union/European Bank for Reconstruction and Development (EBRD) technical assistance programme, SGE anticipates to continue to increase its SME banking market share in a highly competitive market. DAI Europe Ltd. is assisting SGE in this process by reviewing and suggesting improvements to SGE's SME lending methodology, risk management practice (including credit scoring), and SME loan product offering. DAI also trains newly hired and existing loan officers in credit and sales skills. Once the human resource base of the Bank is strengthened, DAI will advise on a suitable marketing campaign to support the active growth strategy in the SME segment and the utilization of the credit line in accordance with EBRD requirements