procredit bank october 2005. our shareholders 20% 11.25% 32.50% 25,0%
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ProCredit Bank ProCredit Bank
October 2005October 2005
Our Our ShareholdersShareholders
20%
11.25%
11.25%
32.50%
25,0%
The international The international network of ProCredit network of ProCredit Institutions Institutions
• No. of account
ProCredit BankProCredit Bank
in South East in South East EuropeEurope
Albania
Serbia and
MontenegroBosnja
Moldavia
Rumania
Gjeorgjia
Ukraina
Bullgaria
Maqedonia
Kosova
ProCredit at the ProCredit at the international networkinternational 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
Mission StatementMission Statement
ProCredit Bank is….
• 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
Branches Branches NetworkNetwork
rrethe ku kemi degerrethe ku kemi dege
rrethe qe mbulojme me rrethe qe mbulojme me sherbimet tonasherbimet tona
Tirana 1 – Tirana e ReTirana 1 – Tirana e ReTirana 2 – tek Tregu I LireTirana 2 – tek Tregu I LireTirana 3 – prane Muzeut KombetarTirana 3 – prane Muzeut KombetarTirana 4 – Laprake, tek Blloku GintashTirana 4 – Laprake, tek Blloku GintashDurres 1- Durres 2Durres 1- Durres 2FierFierKorceKorceShkoderShkoderElbasanElbasanVloreVloreLezheLezheBeratBeratSarandeSarandeBilishtBilishtLushnjeLushnjePogradecPogradecGjirokastra- ne fund te vititGjirokastra- ne fund te vitit
OverviewOverview
Capital 18,017,135.72
Assets 185,091,418.74
Gross Loan Portfolio 82,897,989.06
Customer Deposits 148,499,068.85
Profit in 2004 1,274,242.74
Number of Clients 74,932
Number of branches 16
Number of staff 436
ProEkspres within 24 hours up to 300.000 All
ProLikuid business overdraft,
salary overdraft, consumer overdraft
ProMikro up to 1’300’000 All
ProAgro agriculture loan
ProBiznes from 10.000 – 2.8 milion Euro
Loan ProductsLoan Products
ProConsum consumer loan
ProHouse housing loan
Banking Services
Accounts and PaymentsCurrent 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 requiredNational 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 26Other services and productsSalary 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 faxNo additional charge
Trade Finance Product-Letter of Credit-Bank Guarantees-Documentary Collection