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SERBIAN BANK S.C.

SERBIAN BANK S.C. www.srpskabanka.rs banka @srpskabanka.rs. С ontents. Historical O verview Normative F ramework Structure of the Bank Corporate B usiness Retail B anking. Historical O verview. 19 50 - Military Department within The National Bank of Yugoslavia (the central bank)

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SERBIAN BANK S.C.

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  1. SERBIAN BANK S.C. www.srpskabanka.rs banka@srpskabanka.rs

  2. Сontents • Historical Overview • Normative Framework • Structure of the Bank • Corporate Business • Retail Banking

  3. Historical Overview • 1950- Military Department within The National Bank of Yugoslavia (the central bank) • 1996- Yu Garant Banka s.c. • 2003 -Serbian Bank s.c.

  4. Normative Framework • Law on Banks • Laws and regulations on banking business operations and  business operations of financial institutions • Articles of Association of Serbian Bank s.c. • Bank’s procedures • Rules of procedure of management bodies and committees • Internal acts

  5. OrganizationalStructure

  6. Age and qualification structure ofemployeesstatuson the 09/30/2011

  7. CORPORATE BUSINESS

  8. Domestic Payments Products and Services Opening of dinar and foreign currency current accounts for legal entities (resident and non-resident) and enterpreneurs Payments in RSD - Cash payments - Electronic payments - Submission and collectionunder collateral instruments (direct debit, bills of exchange and other) - Collection orders - Submission of settlement orders (cession, compensation and other) - Payments with value date set in future - Larger money turnoverdue to time effective execution of transactions - Competetive tariffs - E-banking

  9. International Payments • International outgoing payments • International incoming payments • Non-resident payments • Payments for business trips • Documentary collections and foreign cheques • Documentary letters of credit - Nostro (import) letters of credit - Loro (export) letters of credit

  10. Correspondent Bank Network Currently Serbian Bank s.c.has established correspondent relations and exchanged RMA with more than three hundred banks in six continents Main Correspondents(settlement banks)of Serbian Bank s.c. are : AustriaVolkskreditbank AG, Linz VKBLAT2L EUR Australia Commonwealth Bank of Australia, Sydney CTBAAU2S AUD GermanyStandard Chartered Bank (Germany) Gmbh, Frankfurt am Main SCBLDEFX EUR, GBP Unicredit Bank AG (Hypovereinsbank), München HYVEDEMM EUR, USD Commerzbank AG, Frankfurt am Main COBADEFF EUR, USD DZ Bank AG, Frankfurt am Main GENODEFF EUR, USD LHB Internationale Handelsbank, Frankfurt am Main LHBIDEFF EUR, USD UBS AG, Frankfurt am Main UBSWDEFF EUR Switzerland UBS AG, Zürich UBSWCHZH80A CHF,USD

  11. Correspondent Bank Network ItalyIntesaSanpaolo SPA, Milano BCITITMM EUR Sweden Svenska Handelsbanken, Stockholm HANDSESS SEK U.S.A.Standard Chartered Bank, New York SCBLUS33 USD Citibank N.A., New York CITIUS33 USD JapanStandard Chartered Bank, Tokyo SCBLJPJT JPY RussiaEuroaxis Bank, Moscow EABMRUMM USD, EUR, GBP, CHF, CAD, AUD, SEK, DKK, JPY Macedonia Sparkasse Bank Makedonija AD, Skopje INSBMK22 All currencies U.K. Citibank N.A., London CITIGB2LCB2 EUR

  12. Corporate Business CORPORATE LOANS LOANS IN LOCAL CURRENCY (RSD) LOANS IN LOCAL CURRENCY (RSD) WITH FOREIGN CURRENCY CLAUSE FOREIGN CURRENCY LOANS OVERDRAFT LOANS GUARANTEES AND LETTER OF GOOD INTENT TO ISSUE GUARANTEE DISCOUNT OF BILLS OF EXCHANGE

  13. Corporate Loans Loans are granted to customers who open an account and perform payments via accounts in Serbian bank Belgrade PROCEDURE FOR LOAN APPROVAL FOR LEGAL ENTITIES RECEIPT OF LOAN DOCUMENTATION (Relations with Corporate clients and Credit Analysis Department/Long-term credit arrangements Department ) DOCUMENTATION PROCESSING(Relations with Corporate clients and Credit Analysis Department/Long-term credit arrangements Department ) PREPARATION OF LOAN PROPOSAL(Relations with Corporate clients and Credit Analysis Department/Long-term credit arrangements Department ) OPINION OF RISK MANAGEMENT DIVISION OPINION OF THE LEGAL DEPARTMENT (mortgage and similar) DECISION OF THE CREDIT BOARD LOAN REALISATION AND TAKING OF COLLATERAL(Loan administration and monitoring department– Back office)

  14. Loan Terms

  15. Current Account Overdraft Loan Upon receipt of overdraft request, assessing and loan approval is automatically performed. • AMOUNT: • 15% of monthly average of payments through account with Srpska Banka a.d. in the last three months (less amount of already withdrawn loans with Srpska Banka a.d.) • Maximum overdraft amount is RSD 8.000.000 • PRODUCT DESCRIPTION: • To overcome current iliquidity, for tax payments • The interest is calculated only for withdrawal amount! • Overdraft is approved for the period of 3 months, with possibility of prolongation • INTEREST: • Commission0.50% from granted/credited amount • COLLATERAL: • Blank single draft, authorization agreement

  16. Guarantees Bank issues different types of guarantees: • Payment guarantees • Performance guarantees, as follows: • Bid bond • Advance payment guarantee • Performance bond • Guarantees for defect repairments in warranty period Along with the request for guarantee issuance, it is necessary to provide documentation showing justification of the request.

  17. International Guarantees • Nostro foreign currency letters of guarantee • Loro foreign currency letters of guarantee Consulting services to clients in the realization of foreign trade contracts and domestic operations

  18. Discount of Bills of Exchange • The Bank operates bill discounts for its clients where Serbian Bankhas an agreement with the drawers of discount bills. • Maturity up to 6 months, with possibility of prolongation

  19. Loans Review

  20. Payments Turnover Figures 2007 2008 2009 2010up to 30.09.2011 RSD Domestic Payments Total 170.330.309.801,87 170.882.051.979,34 195.174.907.319,84 217.605.700.316,33 176.048.284.066,98 EUR International Payments Incoming payments58.072.596,72 163.574.759,26 168.294.428,79 143.404.836,89 102.020.586,44 Outgoing payments 65.659.453,22 138.957.222,43 136.191.517.69 91.628.006,96 95.605.169,15 Total 123.732.049,94 302.531.981,69 304.485.946,48 235.032.843,85 197.625.755,59

  21. Payments Review

  22. INVESTMENTS IN SHARES OF OTHER LEGAL ENTITIES IN BANK’S PORTFOLIO ON30.09.2011

  23. Bank’s Assets

  24. Bank’s Equity

  25. Assets Currency Structure

  26. Liabilities and Equity Currency Structure

  27. Assets Term Structure

  28. Liabilities and Equity Term Structure

  29. Structure of Placements

  30. Structure of Deposits

  31. Classified Assets, Calculated Reservesand IAS 39 • Assessment and classification of each individual placement during granting procedure • Quarterly calculations of special reserves and impact on equity

  32. Bank’s Portfolio Structure • Portfolio structure by customer category • Portfolio quality by classification categories A, B, C, D and E

  33. Performance Indicators

  34. Retail Banking

  35. Product Range for Retail Customers 1. Dinar current accounts • dinar current accounts with cheques for receiving salaries and pensions • dinar current accounts without cheques; for domestic and foreign private individuals • Foreign currency current accounts • foreign currency current accounts for domestic and foreign private individuals • Dinar and foreign currency savings • dinar and foreign currency “at sight” savings for domestic and foreign private individuals • dinar and foreign currency time deposit savings with possibility of step by step increase of term deposit for domestic and foreign private individuals • student savings

  36. Product Range for Retail Customers 4. Dinar accounts - specific purpose • accounts for securities trading • farmer accounts 5. Foreign currency deposits - specific purpose • forVISAClassic • forVISA Gold • for credit card • for loan

  37. Product Range for Retail Customers 6. Loans • Cash loans (in dinars andin dinarswith foreign currency clause) • Consumer loans (in dinarsandin dinarswith foreign currency clause) • Loans on the basis of 100% deposit • Loans for refinancing • Credit cards • Current account overdrafts 7. Payment Cards • DinaCard debit card • DinaCardcredit card • DinaCard payment cards for employees of Ministry of Defence • Visa Electron, Classic and Gold debit cards • Visa Classic credit card • Visa Business debit card

  38. Product Range for Retail Customers 8. Cash payments, cash payouts and cashless paymentsof private individuals – domestic and international payments 9. Currency exchange 10. Service of fast money transfer through Western Union network 11.Rental of safe deposit boxes 12. Е-banking, SMS-banking, permanent orders

  39. Bank’s Network Bank conducts transactions with clients - in branch offices in Belgrade, - and also branch offices in tentowns in Serbia Network of agentJPPTT “SRBIJA"  At 1384 Post Office counters funds can be withdrawn with a single chequeup to the amount available on current account for salary receiving held with Serbian bank, without commission. At Post Office countersequiped with POS terminals, funds can be withdrawn up to the available amount using Serbian bank payment card. On-line connection exists in both cases. Also, at Post Office counters, corporate clients of Serbian Bankcan give in cheques from daily market , without commission

  40. Bank’s ATM network • Bank has 23 ATMs in the network: • Belgrade: • - Savska (two ATMs) • - Skadarska • Knez Mihajlova • Resavska • Požeška • Šumadijski trg • New Belgrade: • Blok 38 • Blok 61 • Zemun: • - Aleksinačkih rudara • - KBC Zemun Kraljevo: - Trg srpskih ratnika (two ATMs) - ZC Studenica Lazarevac Valjevo Šabac Čačak Kruševac Kragujevac Svilajnac Trstenik Bor

  41. Telecommunication Infrastructure Connections of the system with the environment • Satelite link withVisa. • Frame-relayconnections are established with: • NBS • Belgrade Stock Exchange • Association of Serbian banks • Central Securities Depository and Clearing House • Branch offices • WirelesslinkwithInfosky оf 5Мb/sforinternet, credit bureauand certain services as SMS banking. • All branch offices are connected with head officethrough Frame-relay connections, except branch office in Skadarska, Belgradeconnected through 10Мb/s optics. • All branch offices have back-up links over ISDN ports.

  42. Thank you for your attention SERBIAN BANK S.C. Belgrade, Serbia, 25 Savska Street phone: +381 11/3607251, +381 11/3607402 www.srpskabanka.rs banka@srpskabanka.rs

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