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ProCredit Bank? Why choose

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German capital

German standards and global presence

German capitalThe only German

bank in Serbia

100% Sole shareholder of the Bank is ProCredit Holding, Frankfurt, Germany; responsible for managing more than 20 banks and financial institution world wide

ProCredit Holding shareholders include reputable international financial institutions such as KfW, IFC, IPC, Stichting DOEN

ProCredit Bank Serbia founders were ProCredit Holding, EBRD, KfW, FMO, IFC and Commerzbank

Our bank is supervised by the National Bank of Serbia and is also is regularly monitored by BAFIN – the German Federal Financial Supervisory Authority

Fitch Rating of ProCredit bank Serbia: B+

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ProCredit Bank Serbia

Second decade of successful banking

2001 ProCredit Bank Serbia

opens for business

We are committed to building long-term partnerships with small and medium enterprises and domestic agriculture producers

What we do not fundPublic and state-owned enterprises, large corporations, political parties and sports clubs

We do not invest in the stock market or in speculative activities

We do not support projects and companies that damage the environment

We do not promote consumer loans

We do not sell loans – we build long-term relationships with clients

Since 2005

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The partner bank for SME88%

Commitment to the economy

of ProCredit Bank loans have gone to small and

medium-sized enterprises and farmers

More than EUR 3.6 billion invested in the development of the national economy

Every fifth loan is taken in PCB. (20% from total volume of loan portfolio of entrepreneurs in Serbia, is financing by PCB) Special focus towards support of production

ProCredit Bank is among five banks with the largest share of a subsidized loans programme developed by the Ministry of Finance and Economy

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Complete business understanding

6xExpertise and know-how

better portfolio in business segment

compared with the banking sector in Serbia*

ProCredit Bank has an extremely low level of business loans in arrears – 3.69% compared to 21.6% for the banking sector – which is due to our employees having a very high understanding of clients’ businesses and the risks they face

This allows us to give feedback to clients about their business – what we consider to be positive and what aspects could be improved

Clients appreciate the ProCredit approach and know that they are valued as a stable company with good management and great market position

Sometimes customers come to us with ideas for additional financing which we have to reject because our analysis shows that the project would not be good for the client's business. In this regard, we are very careful not to let our clients become over indebted

5* June 2014; Source – Credit Bureau

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Credit limit

It is approved once a year in accordance to financial indicators

Funds within the limit can be used for short-term and long-term purposes

The dynamics of use and the amount of funds are set by the clients

Benefits for the client’s business:

Simple procedures

Possibility of business planning in accordance with the limit

More efficient lending process

6

100%Long-term

relationship

Long-term relationship with clients

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Long-term loans

Apex and EIB loans - Loans for investment and development credit line from the European Investment Bank (EIB), with the mediation of the National Bank of Serbia (Apex)

Cofinancing- ProCredit Bank provides long-term financing from Germany, from an affordable source, for a period up to 10 years, with the option of a fixed interest rate

EE financing:

ProCredit Bank is a leader in financing energy-efficiency solutions in Serbia

In addition to lower costs, energy-efficient solutions significantly enhance productivity

EE credit line with EU grants - loans for improving energy efficiency in cooperation with KfW and EU

Loans from PCB funds

7

€44million

portfolio of loans for improving energy

efficiency

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Subsidized loans - for years, we have been one of the most successful bank in distributing subsidised loans to domestic enterprises

Revolving credit line - offering clients to react quickly and efficiently to daily changes and challenges in the business

Overdraft- an additional source of short-term funding

Documentary business :Bank guarantees

Documentary Letters of Credit

Documentary collection

of loans subsidised by state programmes

distributed by ProCredit Bank*

Short-term loans

The Bank for You* Results from the Ministry of Economy

€73million

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Cooperation agreement

International money transfer

Deposits

National money transfer

International desk

Loans

Payroll

Home bank concept

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Feel free to ask!

The Bank for You

PARTNERSHIP BUILDS

SUCCESS