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CB “PROCREDIT BANK” S.A. Republic of Moldova. May 2012. ProCredit Worldwide. Develop ment -oriented group. 16 170 employees. 777 branches. 21 countries. 2 922 640 customers. WHERE? 21 countries on 3 continents: Eastern Europe, Latin America and Africa DOING WHAT?
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CB “PROCREDIT BANK” S.A. Republic of Moldova May 2012
ProCredit Worldwide Development-oriented group • 16 170 employees • 777 branches • 21 countries • 2 922 640 customers • WHERE? • 21 countries on 3 continents: Eastern Europe, Latin America and Africa • DOING WHAT? • Expanding access to financial services in developing countries and transition economies • TO WHOM? • Very small, small and medium-sized entreprises
About ProCredit Bank • History: • Foundation of MEC Moldova in 1999 • Rebranding to ProCredit S.A. in 2003 • Foundation of CB “ProCredit Bank” S.A. in 2007 • Fist operations in 2008 • Network: • 24 branches • 26 ATMs • 459employees • 11 лет опыта кредитования бизнеса на молдавском рынке • 23представительства • 5ххсотрудников
Reasons to Workwithus Kenya Nicaragua Honduras El Salvador Ecuador Columbia Columbia Bolivia Bolivia Ukraine Ukraine Serbia Serbia Romania Georgia Georgia Georgia Georgia Bulgaria Bulgaria Bulgaria Bulgaria Bosnia Bosnia Bosnia Bosnia Armenia Armenia Armenia Armenia Armenia Albania Albania Albania Albania Albania Mozambique Mozambique Mozambique Mozambique Mozambique Mozambique Serbia Serbia Serbia Serbia Serbia Serbia Kosovo Kosovo Kosovo Kosovo Kosovo Kosovo Kosovo Serbia
How we do this • Guided by our corporate values: • Transparency • Culture of open communication • Social responsibility and tolerance • Service orientation • High professional standards • A high degree of personal commitment
Product and services • Loans • Credit Lines • Deposits • Current Accounts • E-banking • Documentary operations • Exchange operation • Money transfers • VISA-credit and debit cards • Salary Projects
Credit products for SME’s clients Types of available finance: • Loans • Loans for fixed assets and working capital • Refinancing of loans • Loans for purchase of real estate • Loans for agriculture • Credit Lines • Documentary operations • Letters of credit • Bank Guarantees
PCB Moldova in cooperation with IFIs • International Finance Corporation (IFC) • European Bank for Reconstruction and Development (EBRD) • European Fund for Southeast Europe (EFSE) • European Investment Bank (EIB)
Disbursement Process – ex. EIB Funds The entire process for approving credit product with complete documentation is up to five - six days. Before Credit Committee an allocation proposal is filled in and signed by client and Bank. Allocation Proposal is presented to EIB for Confirmation (twice per month).