Banks and MicrofinanceCase studies

Palma de Mallorca, 22nd Apr 2013

Banks and Microfinance: Case Studies

BCP Millennium - Portugal: One of the largest Banks in Portugal A guarantees (including extension) for a portfolio volume of

approx. EUR 9m Programme to be implemented across Portugal Focused mainly on unemployed persons for self-employment

BCC Mediocrati - Italy: Part of the Italian ICCREA network (400 banks across Italy) Regional Bank with strong attention to the local economy

(covering urban, rural and remote areas) EUR 3m Senior Loan with leverage of 1.5 (total lending target

EUR 4.5m) to support micro-business growth No collateral requirement to final beneficiaries

Banks and Microfinance: Case Studies

Banco Espírito Santo - Portugal: A approx. EUR 100bn bank, one of the largest in Portugal EUR 8.75m senior loan signed Average of EUR14k of microcredits for entrepreneurs and

microenterprises looking to grow and job creation Programme to be implemented across Portugal

Banca Transilvania - Romania: Largest local bank in Romania Strong presence in Transilvania, but also throughout the country EUR 7.5m EPMF senior loan Strong placement capacity of microloans, including rural areas

Banks and Microfinance: Case Studies

FM Bank - Poland: Sole microfinance organization in Poland being a licenced bank Presence throughout the country and fast expansion PLN 68.7m EPMF guarantee Owned by private equity fund

Société Générale Express Bank - Bulgaria: Leading universal bank in Bulgaria Part of SG Group, better rating than country EUR 8.5m EPMF senior loan Development of microloan activity as new active market niche

Banks and Microfinance: Case Studies

Cooperative Central Bank - Cyprus: Central Cooperative Bank in Cyprus working with more than 100

small cooperative institutions Thanks to the sub-intermediary structure able to reach the entire

Island (urban, rural and remote areas) EUR 8m Senior Loan with leverage of 2 (total lending target EUR

16m) to further support business growth

SEFEA - Italy Investment vehicle of FEBEA network EUR 2m EPMF senior loan On-lend to small MFIs in Italy Strong support from members