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NOVOSADSKA BANK A. 1864. NOVOSADSKA BANKA Novi Sad, Serbia. FACILITATING ACCESS TO CREDIT TO SMEs, COOPERATIVES AND INDIVIDUAL ENTREPRENEURS. Contact us at : 021/527-229 e-mail: info@novban.co.yu. NOVOSADSKA BANKA BANK PROFILE. Long business tradition
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NOVOSADSKA BANKA 1864
NOVOSADSKA BANKA Novi Sad, Serbia FACILITATING ACCESS TO CREDIT TO SMEs, COOPERATIVES AND INDIVIDUAL ENTREPRENEURS Contact us at: 021/527-229 e-mail: info@novban.co.yu
NOVOSADSKA BANKA BANK PROFILE • Long business tradition • Located on the territory from Šid to Vršac and from Belgradeto Subotica • Dispersed bank business network– 185 organisation parts • Branch offices in Novi Sad, Belgrade, Stara Pazova, Bačka Palanka, and Vršac Contact us at: 021/527-229 e-mail: info@novban.co.yu
NOVOSADSKA BANKABUSINESS PROFILE • The first Bank that implemented standards ISO. Also posess ISO standard 9001:2000 from 02.12.2003; • Five “Businesspartner” awards and one “Golden Statue” for the best Bank in Vojvodina in 2001 Contact us at: 021/527-229 e-mail: info@novban.co.yu
NOVOSADSKA BANKABUSINESS PROFILE • Universal Bank with wide range of services • Client financing in the field of production and trade – target group are small and medium size enterprises • Credit line by European Agency for Reconstruction and Commerzbank with Hermes coverage Contact us at: 021/527-229 e-mail: info@novban.co.yu
B1 B2 B3 B4 B1 B2 B3 B4 NOVOSADSKABANKATHE OVERVIEW OF REVOLVING LOAN SCHEME EU BUDGET DONORS European Agency for Reconstruction NBS Fund Management Unit Novosadska Bank Commercial Bank Contact us at: 021/527-229 e-mail: info@novban.co.yu
NOVOSADSKABANKACREDITING TERMS AND CONSITIONS • The enterprises dealing with production and service provision except trade • With dominantprivate ownership • Which may provide 20% of own investment • Which may provide the highest quality collateral of loan repayment to the Bank Contact us at: 021/527-229 e-mail: info@novban.co.yu
NOVOSADSKABANKACREDITING TERMS AND CONDITIONS • Loan value is from EUR 20.000 to EUR 200.000 • Loan repayment term is from 1 to 5 years with maximal grace period of up to 1 year • Interest rate is variable – currently its is 8,10% p.a. • Loan repayment and interest payment is quarterly Contact us at: 021/527-229 e-mail: info@novban.co.yu
NOVOSADSKABANKADOCUMENTATION • Client is obliged to submit the following documentation: • Business plan • Balance sheet for the last three business years • Income sheet for the last three business years • Annex for the last three business years Contact us at: 021/527-229 e-mail: info@novban.co.yu
NOVOSADSKABANKASMALL AND MEDIUM SIZE ENTERPRISES On the basis of EAR-NBS credit line, the Bank has approved: • 62loans in the amount of EUR 6,791 mil. • equipment: EUR 4,701 mil. • facilities: EUR 1,582 mil. • revolving assets: EUR 0,508 mil. • Existing employee number: 1.974 • The number of employees generated by projects: 658 Contact us at: 021/527-229 e-mail: info@novban.co.yu
NOVOSADSKABANKAREGIONAL ALLOCATION OF APPROVED LOANS Contact us at: 021/527-229 e-mail: info@novban.co.yu
NOVOSADSKABANKASHORT-TERM RETAIL LOANS • On the basis of current accounts • from 5.000 to 50.000 dinars • 2,5% of interest to utilised part of loan • 6 months • Consumer loans – without down payment and deposit • consumer goods, medical treatment, scholarship • from 5.000 to 100.000 dinars • 2,2% per month Contact us at: 021/527-229 e-mail: info@novban.co.yu
NOVOSADSKABANKALONG-TERM RETAIL LOANS • For several purposes – including deposit • cars (new and second hand), vehicles, home appliances, medical treatment, education, gas system installation, heating system installation • from 150.000 to 450.000 dinars • from 3 to 5 years • minimum 30% of deposit, interest 12% per annum • Housing loans – including deposit • Housing, business, garage facilities; the services of construction, reconstruction, and adaptation of apartment or house • from 150.000 to 1.800.000 dinars • from 3 to 15 years • minimum 30% of deposit, interest 12% per annum Contact us at: 021/527-229 e-mail: info@novban.co.yu
NOVOSADSKABANKALOANS TO AGRICULTURAL PRODUCERS • For machinery and equipment • from 60.000 to 600.000 dinars • up to 2 years • interest 12% per annum • repayment in quarterly or semi-annual installments Contact us at: 021/527-229 e-mail: info@novban.co.yu
NOVOSADSKABANKAPAYMENT SYSTEM • The advantages of Novosadska banka • long-term banking experience • high liquidity level • security and reliability • dispersed network of business units • sophisticated Information Technology • professional and skillful human resources • operation according to international standards • cash payment for corporates is performed without commission Contact us at: 021/527-229 e-mail: info@novban.co.yu
NOVOSADSKABANKAELECTRONIC BANKING • Advantages for corporates • time efficient, cost efficient (30% cheaper than payment at outlet) • the possibility of use for 24h • up-to-date • prompter assets turnover • regular e-communication with the Bank’s officer Contact us at: 021/527-229 e-mail: info@novban.co.yu
NOVOSADSKABANKAPAYMENT CARDS • YUBA payment card • DINA payment card • VISA payment card • VISA Electron • VISA Classic • VISA Business Contact us at: 021/527-229 e-mail: info@novban.co.yu
NOVOSADSKABANKAWEB BANKING • What is Web banking? • What are its advantages? • What may be paid by it? • What is necessary to use WEB banking? Contact us at: 021/527-229 e-mail: info@novban.co.yu
NOVOSADSKABANKACONTACT • www.novban.co.yu • E-mail: info@novban.co.yu, verbez@novban.co.yu • Branch Novi Sad, tel: 021/ 442-599 • Branch Beograd, tel: 011/ 36-10-327 • Branch Stara Pazova, tel: 022/ 310-140 • Branch Bačka Palanka, tel: 021/ 750-370 • Branch Dunav, tel: 021/ 442-375 • Branch Banat, tel: 013/ 821-156