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Products/Services:
The Agency plans to offer a spectrum of 14 separate guarantee products and services, at the pre-shipment stage, to the export, indirect export and finance communities.
- Specific Transaction Guarantees
- Whole Turnover Guarantees
- Whole Turnover Guarantee, Open Account Sales
- Group Wide Guarantees
- Facilities Upgrade
- Countertrade/Barter
- Bid Bonding
- Performance Guarantees
- Inventory Replenishment
- Agency Sales
- Future Receivables
- EDI
- Post-Shipment
- Advisory
Specific Transaction Guarantees
Guarantee repayment for a specific pre-shipment credit, on a single occasion. Pricing would reflect attendant risk of single transaction support, with cost of up to 4% of transaction value. Repeat single transaction guarantee requests, within the same 12 month period (rolling-basis) and without claims experience, 'would be discounted by one-quarter, on each occasion, with a reduction to 1% of transaction value commencing the fourth and any subsequent transactions (12 month rolling-basis). The Agency will apply a general underwriting guarantee principle of 80% of total value, up to a maximum exposure per shipment of US$ 100,000.
Repayment guarantees, covering whole turnover of an exporter or indirect exporter, regardless of payment method by the foreign buyer. Guarantee applicants would be offered the option of including only export sales which will not be on Letter of Credit basis. Premiums will vary between 1%-2%, based on types of products to be exported, destinations, commercial creditworthiness, types of payment and prior experience with arrears. The Agency will provide up to US$2.5 Million cover, in any 12 month period (rolling basis), with maximum underwriting liability, at any point in time, of US$ 100,000.
Whole Turnover Guarantees, Open Account Sales Only
Repayment guarantees, covering sales made on Open Account or Net Terms basis. Premium would vary with an estimated average of 2%, depending of types of products to be exported and other conditions per above. The Agency will provide up to US$2,5 Million cover, in any 1 1 month period (rolling basis), with maximum underwriting liability, at any point in time, of US$100,000.
Repayment guarantees for an entire category of supplier, sector or geography-based. Premiums would be based on group membership, remitted annually at start of 12-month period. Guarantee cover would be customized, reflecting industry or geographic specifics. Premiums would be in the range of US$750-US$1,000, per group member, and guarantees would cover US$25000 (maximum exposure, at any one point in time) per group member, 80% underwriting ratio, with proviso for a 90% option (with a supplementary premium, best practices), with no limit on total value of export shipments per 12 month period.
Repayment guarantees for export-oriented equipment improvements including commercial fishing boats, customer-specific production customization and retooling, ISO 9000 certification, HACCP ( Hazardous Accidents Critical Control Points) agro-industry plant improvements, phyto-sanitary certification of pest-free orchards, post-harvest/pre-shipment storage facilities including Controlled Atmosphere ( CA ), ecotourism and adventure travel ground handling, inter-modal transport and logistics support, E-Commerce - B2B and B2C( Business -to-Business and Business -to -Customer). Premium will be set case-by-case, with cover conditional on preparation and delivery to PEFG of a business plan and project scheduling milestones.
Pre-shipment finance and working capital guarantees for exports structured on the basis of countertrade/barter and other forms of non-monetary payments settlement. Transaction support will be either transaction-specific or limited whole turnover. Premium will set case- by-case.
Provision of guarantees for bonds required during tendering and International Competitive Bid (ICB) procurement. Guarantee support will either be specific for one particular order or standing commitment for a series of bids submitted by the same exporter or indirect exporter. Premium will be set case-by-case.
Provision of guarantees re: commercial viability of an exporter or an indirect exporter, including use in programmes such as NDND (No Duty, No Drawback). Performance guarantee will not cover technical qualifications of the supplier. Guarantee support and premium structure will be identical to Bid Bonding.
Guarantees will cover exports and indirect exports sold on the basis of continuous inventory replenishment to OEM (Original Equipment Manufacturers), Tier One and Tier Two pre- approved OEM accounts or their direct suppliers who are based in Pakistan. Such guarantees be for entire series of shipments, defined in terms of buyer and/or time frame. Premium is expected to be a maximum of 1% to 1.5% of shipment value, under normal conditions and low to medium-risk destinations.
Guarantees for shipment made via selling intermediaries, less than majority-owned by the originator of the goods or services. Specific transaction or limited whole turnover (for the entire category of sales by the guarantee applicant) with premium determined on a case-by- case basis, premium discounts in the event of no claims experience.
Credit enhance future receivable, through provision of pre-shipment finance guarantees, by a group of related or non-related companies, to improve access to bank credits and capital markets (e.g. Asset-Backed Securities, ABS). Premiums will be determined case-by-case.
Guarantees processed on the basis of EDI (Electronic Document Interchange) and /or B2B Business-to-Business E-Commerce, using pre-approved customer lists; shipping companies; inspection services; trade intermediaries; and terms and maximum per transaction limits. Premiums will be based on an annual registration fee and a per transaction premium, tentatively set at 0.5% -1% of transaction value.
Arranging post-shipment credit cover, including commercial and political risk with international underwriters. An arranging fee will be charged.
Specialized trade development reports, focusing on foreign trade credit conditions and related foreign market institutional factors. Fees will be case-by-case.