Public Bank is a multi-award winning commercial bank with extensive local and foreign operations that span throughout Asia. The Bank has a strong presence in both consumer & commercial sector, especially in Small & Medium Enterprises (SMEs). With more than 40 years of banking excellence, Public Bank is committed in providing quality services and innovative products that will set in place the development & growth of SMEs by providing SMEs with total financing solution that meet their diversified and specialized needs.
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SMI/SME Editorial Banking & Finance
SMI/SME Editorial Banking & Finance
Banking & Finance
Financing Your Business
FINANCING a business involves choosing from a vast array of alternatives. It involves choices of financing through debt or equity; if taking loans, whether it should be secured or unsecured; and also depending on the stage of operations, whether you are at start-up, already launched, profitable, looking for exit/succession funding. ...Last Updated ( Monday, 27 December 2010 14:05 )
Improved Credit Ratings for Better Access to Financing
The SME Credit Bureau (SMECB) which was initiated by Bank Negara, was set up in 2008 via a strategic alliance between Credit Guarantee Corp Malaysia Bhd (CGC), Dun & Bradstreet Malaysia Sdn Bhd and the Association of Banks in Malaysia. SMI/SME Business Directory speaks to Alex Lim, CEO of the SME Credit Bureau for an insight into how SMECB benefits Malaysian SMEs.Last Updated ( Monday, 27 December 2010 14:06 )
Financial Solutions for SMEs with CIMB
Small and medium sized enterprises (SMEs) have been ear-marked as one of Malaysia’s key drivers for economic growth. These businesses are increasingly expanding beyond local shores. As they expand, these SMEs face a myriad of challenges and one of these challenges is access to financial solutions that meet all their needs. As such, selecting the right bank is vital. Businesses want to build a lo...
Last Updated ( Monday, 27 December 2010 14:05 )
Insurance for SMIs/SMEs
Exposure to risk is part and parcel of any business. There are risks of losses that arise from damage to business property, liability and the deterioration of health and loss of employees’ lives, especially key employees. As risk is part and parcel of running a business, the practice of risk management for an enterprise is a crucial aspect. As long as a company operates a business, it faces expo...
Last Updated ( Tuesday, 01 September 2009 15:24 )
Government Funds / Financing Schemes
According to BNM Annual Report 2006, there were 94 Government funds/financing schemes for SMEs with a total allocation of RM25 billion, as at end-2006. Five of these special funds were established by Bank Negara Malaysia with a total allocation of RM11.4 billion. SME BANK SME Bank or Bank Perusahaan Kecil & Sederhana Malaysia Berhad is the result ...
Last Updated ( Monday, 27 December 2010 13:52 )
Types of Loan Facilities for SMIs/SMEs
The following are the types of loan facilities offered by commercial banks: 1. Overdraft An overdraft allows a current account holder to withdraw in excess of his/her credit balance up to an approved limit. The utilised portion of the overdraft will be subject to interest charges. 2. Br...
Last Updated ( Monday, 27 December 2010 13:52 )
Loan and Trade Financing Facilities for SMIs/SMEs
Whether expanding your production capacity or penetrating the export market is what your SMI business needs, you will be comforted to know that banks offer a wide array of financing packages which can be tailored to suit your needs. A few common characteristics that define these financing options include low interest rates, long repayment periods and a high margin of finance. Depending on your imm...
Last Updated ( Monday, 27 December 2010 14:04 )
Funds and Grants
Technology Acquisition Fund (TAF) 1 TAF 1 provides funding to eligible Malaysian companies to acquire foreign technology for immediate incorporation into company’s manufacturing activity. The acquisition of technology could be in the form of acquiring know-how/patent rights/prototype/design via the following methods: Licensing of technology; Purchase of technology; and Outr...
Last Updated ( Monday, 27 December 2010 14:04 )
Incentives for other sectors
INCENTIVES FOR HIGH TECHNOLOGY COMPANIES High technology companies are defined as companies engaged in promoted activities or in the production of promoted products in areas of new and emerging technologies. High technology companies that meet certain criteria are eligible for the following incentives: Pioneer Status with full tax exemption at statut...
Duties and Sales Tax Exemption
Exemption of Import Duty For companies manufacturing finished products for the export market, full exemption from import duty on direct raw materials are normally granted, provided the raw materials/components are not manufactured locally or, where they are manufactured locally, are not of acceptable quality and price.
Last Updated ( Thursday, 05 March 2009 16:37 )
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