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ProCredit Bank

ProCredit Bank . October 2005. Our Shareholders. 32.50%. 25,0%. 20%. 11.25%. 11.25%. The international network of ProCredit Institutions . No. of account. ProCredit Bank. Ukraina. in South East Europe. Moldavia. Rumania. Gjeorgjia. Bosnja. Serbia and Montenegro.

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ProCredit Bank

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  1. ProCredit Bank October 2005

  2. Our Shareholders 32.50% 25,0% 20% 11.25% 11.25%

  3. The international network of ProCredit Institutions • No. of account

  4. ProCredit Bank Ukraina in South East Europe Moldavia Rumania Gjeorgjia Bosnja Serbia and Montenegro Bullgaria Kosova Maqedonia Albania

  5. ProCredit at the international network Of 19 financial institutions With a total assets of 1.5 billion EUR Serve more than 770,000 customers The number of the borrowers is 420.000 The loan portfolio 950 million EUR The deposit volume 800 million Euro The number of the staff is 7.000 The number of the branches is 300

  6. Mission Statement • ProCredit Bankis…. • A development-oriented full-service bank • Offers a wide range of banking products • Lending to SME • Large number of jobs • Vital contribution to economies • Explicitly avoids all speculative lines of • business • Extensive training of staff • Friendly and competent services • Enjoyable and efficient working atmosphere • Shareholders • Expects sustainable ROI • No interest in short-term profit maximization

  7. Branches Network Tirana 1 – Tirana e Re Tirana 2 – tek Tregu I Lire Tirana 3 – prane Muzeut Kombetar Tirana 4 – Laprake, tek Blloku Gintash Durres 1- Durres 2 Fier Korce Shkoder Elbasan Vlore Lezhe Berat Sarande Bilisht Lushnje Pogradec Gjirokastra- ne fund te vitit rrethe ku kemi dege rrethe qe mbulojme me sherbimet tona

  8. Overview

  9. Loan Products ProEkspres within 24 hoursup to 300.000 All ProMikro up to 1’300’000 All ProAgro agriculture loan ProLikuid business overdraft, salary overdraft, consumer overdraft ProConsum consumer loan ProBiznes from 10.000 – 2.8 milion Euro ProHouse housing loan

  10. Banking Services Accounts and Payments Current accounts no minimum deposit required; Time deposits minimum 100Euro/USD or 10.000leke; maturity until 5 years; competition interest rates Savings accounts you earn interest and you have access any time in your account. No minimum deposit required National and International Transfers Wire transfers locally and internationally through our 16 branch network Within Pro Credit Network Payments within a day. Card Business International Debit and Credit Cards MasterCard, Maestro, Visa Electron and Visa Classic POS network of ProCredit Bank 300 in the biggest cities ` ATM network 26 Other services and products Salary Processing Institutions can pay their local and international employees threw ProCredit Bank at no charge Foreign currency exchange Euro, USD against Lek and against each other Except Money Transfer Orders by fax No additional charge Trade Finance Product -Letter of Credit -Bank Guarantees -Documentary Collection

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