Slovakia—CAC Leasing

Client: European Bank for Reconstruction and Development

Duration: 2005-2006

Region: Eastern Europe and Central Asia

Country: Slovakia

Solutions: Economic Growth

DAI was contracted by the European Bank for Reconstruction and Development (EBRD) to improve small and medium-sized enterprise (SME) financing methodologies at CAC Leasing and help develop a new credit scoring model.

Sample Activities

  • Develop a software scorecard appropriate to the new credit scoring model.
  • Integrate environmental due diligence processes as part of the information technology upgrade.
  • Train staff on credit assessment and monitoring, customer relationship management, and credit scoring.
  • Assist the company with its reorganization plan and redesigning of risk processes.
  • Train sales team leaders in innovative sales techniques for the SME market.
  • Expand the company’s marketing strategy with respect to the SME market.
  • Represent the EBRD by monitoring compliance and procedures, making recommendations to CAC management on relevant policies, and making recommendations to the EBRD for expansion of the programme.

Select Results

  • Provided training courses to 30 managers and lease credit officers in cash flow-based leasing analysis, operating leasing, accounting issues, risk evaluation, and funding optimization.
  • Created a standardized credit scoring model to facilitate quick, but thorough, decision making regarding leases.
  • The arrears rate over 60 days of the leasing/financing contract was less than 8 percent, calculated as portfolio at risk on the volume of outstanding leases to SME lessees funded by the Facility.


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