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BUSINESS PLAN Credit Broker Company «Trust Finance»

Стоимость: 20 000 руб
  • 95
  • Английский
  • 13.10.2014
  • В электронном виде
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  • Описание
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Adaptation of this business plan is possible for similar project around the world.

Project Description

Project idea: startup of credit broker company «Trust Finance».

Credit broker is a company, which acts as a personnel representative of the client in financial institutions and helps to make out a bank loan successfully of necessary sum.

Directions of activity: «Trust Finance» company provides the credit services in the following directions:

  • consumer credit;
  • auto credit;
  • mortgage crediting;
  • business credit;
  • bank guarantee;
  • leasing.

Project Audience: natural and legal persons, representatives of small and medium business.

Project financial indicators:

Indicator

Unit

Value

Necessary investments

RUB

***

NPV

RUB

***

IRR

%

***

Payback period

years

1.00

Discount payback period

years

1.00

 

Excerpts from Research:

Market of credit lending or credit market is a segment of financial market, the largest in modern market economies, because the credit relations exactly are the basic mechanism which provides the moving and development of market economy in general.

Aggregate assets of banking sector in 2013 has increased by ***% and amounted to *** trln RUB (***% of GDP). A year earlier, banking assets has increased by *** %. The slowdown of the banking assets growth in 2013 was associated with general slowdown of economic growth.  

Volume of debts of enterprise and organizations to banks in 2013 has increased by 12.7% and showed the same dynamics as in 2012.

The average monthly growth rate of enterprise debt to banks has amounted to *** bln RUB.

It is difficult to determine the development level of brokerage in Russia, because the brokerage services are often provided by other organizations, e. g. realtors, consulting firms.

Credit brokers are considered by many leading banks as the additional perspective sales channel. Herewith some representatives of banking sphere believe that the credit brokers are most demanded for implementation of mass products while the difficult banking products must be implemented by the credit organization directly to the client with usage of individual approach.

A consultant by credit mortgage products gains the payment for his work as a percentage of the transaction value – 0-5.0% of credit sum.

With regard to the volume of credit funds, which are issued by banks of the Russian Federation (RF) in 2013, according to the information of the Central Bank, Russian banks has issued the credits for natural and legal persons in amount of *** RUB, which exceeds by 19% the indicator of 2012. Herewith the overdue debts on all credits has increased for a year by 11.2% up to *** bln RUB.

According to preliminary experts’ estimates, the market will be developing actively the next 5-7 years at least. It will not be enough for banks to have own filial networks for supporting and increasing of such growth rates. Among the alternative sales channels are the credit brokers.  According to the approximate estimates, the market share of brokers in Russia is accounted for 30%. Thus, it is possible to make a conclusion that annual volume of credit brokerage in Russia amounts to *** trln RUB approximately for today. Russia has all chances of approaching if not to American market model, where the broker office is the main «door» to the mortgage system then at least to European variant, where 60-70% of transactions are made through the brokers (thereby the annual market volume will increase in 2-2,5 times  – up to *** trln RUB).

The research showed that 70% of companies are represented in Moscow and Moscow Region (MR) – most often they are the head offices of credit brokers. 6% of companies have the representation in Saint Petersburg and Leningrad Region (LR).  22% of companies are registered in other regions of Russia. It is important to notice that the companies which have the representation in Moscow and MR, Saint Petersburg and LR as well as other subjects of RF belong to this category.

In December 2013 the credit broker companies most often provided such services as crediting of small and medium business and consumer crediting without collateral (***% and ***% accordingly). In May 2011 (results of previous research) these services were provided by ***% of companies. In December 2013 the mortgage and lombard crediting offers (***% and ***% of studied companies accordingly) were met some rarer.

The offers of providing realtor and legal services were the less popular in December 2013 – ***% and ***% accordingly (***% and ***% in May 2011).

1.0. Description of Company’s Activity

6

2.0. Market Analysis

14

2.1. Main Characteristics of Crediting Market in Russia

14

2.1.1. Main Tendencies of  Crediting for 2014-2015

22

2.2. Characteristic of Credit Brokerage Market in Russia

25

2.3. Basic Participants of Credit Brokerage Market in Russia

28

2.4. Analysis of Offering of Credit Brokers’ Services of Russia

33

2.4.1. Consumer Crediting

34

2.4.2. Auto Crediting

39

2.4.3. Mortgage Crediting

41

2.4.4. Business Crediting

44

2.4.5. Leasing Crediting

46

3.0. Competitive Environment

50

4.0. Marketing Plan

58

5.0. Organizational Plan

62

6.0. Financial Plan

64

6.1. Assumption by Project

64

6.2. Sales Volume

65

6.3. Revenue

67

6.4. Personnel Costs

68

6.5. Costs Categories

71

6.6. Taxes

75

6.7. Volume of Necessary Investment

76

6.8. Capital Expenditure

76

6.9. Profit and Loss Statement

77

6.10. Cash Flow Statement

80

6.11. Cash Flows (by Years)

82

6.12. Financial Indicators

83

7.0. Sensitivity Analysis

86

Table 1. Financial Results of Credit Organizations Activity (at the Beginning of 2014), mln RUB

16

Table 2. Data of Issued Credit Funds to Natural Persons

35

Table 3. Term of Credit Funds Issuing to Natural Persons, at 01.07.2014, mln RUB

36

Table 4. Programs of Consumer Crediting in Banks of RF

38

Table 5. Programs of Auto Crediting in Banks of RF

41

Table 6. Programs of Mortgage Crediting in Banks of RF

44

Table 7. Volume of Credit Cash Funds Issued to Organizations (Legal Persons), at 01.07.2014, mln RUB

45

Table 8. Volume of Credit Cash Funds Issued to Organizations (Legal Persons) by Repayment Terms, at 01.07.2014, mln RUB

45

Table 9. Programs of Business-Crediting in Banks of RF

46

Table 10. Rating of the Largest Leasing Financial Organizations of RF by Volume of Credit Portfolio, 2013

50

Table 11. Analysis of Credit Brokerage Amount in Million Cities of RF, October 2014

55

Table 12. Staff Schedule

64

Table 13. Assumptions

66

Table 14. Seasonality of Loading

67

Table 15. Volumes of Services Sales

67

Table 16. Revenue by Years

70

Table 17. Personnel Costs

70

Table 18. Project Costs

73

Table 19. Projects Costs by Years

76

Table 20. Taxes

77

Table 21. Volume of Necessary Investment

78

Table 22. Capital Expenditure

78

Table 23. Profit and Loss Statement

79

Table 24. Cash Flow Statement

82

Table 25. Cash Flows by Years

84

Table 26. Accumulated Cash Flows

85

Table 27. Indicators of Economic Efficiency

85

 

Diagram 1. Dynamics of Banking Assets Growth of RF by 2011-2013

16

Diagram 2. Dynamics of Growth of Ruble and Currency Parts of Credit Portfolio in RF, by 2009-2014, trln RUB

18

Diagram 3. Dynamics of Sectors Debt Growth of RF Economy, 2012-2013, trln RUB

20

Diagram 4. Dynamics of Growth of Population Deposits Volumes into RF Banks, 2011-2013, trln RUB

20

Diagram 5. Growth of Population Debts to Banks of RF

21

Diagram 6. Indicators of Aggregate Financial Result of RF Banks Activity, 2012-2013, bln RUB

22

Diagram 7. Results of Survey «Relevant to the Institution of Credit Brokerage among Russians»

27

Diagram 8. Current State of Credit Brokerage Market in Russia and Growth Potential, bln RUB

29

Diagram 9. Dynamics of Offering of Different Directions of Credit Broker Companies of RF, 2011-2013

35

Diagram 10. Forecast of Leasing Market Dynamics, 2013-2014, trln RUB

48

Diagram 11. Growth of Cash Volume of Signed up Transactions for Auto Transport and Special Technique Leasing, 2012-2013, bln RUB

49

Diagram 12. Growth of Cash Volume of Signed up Transactions for Trucks, 2012-2013, bln RUB

49

Diagram 13. Strategic Canvas of Competitive Companies

59

Diagram 14. Average Project Loading

67