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FINAN CING G UARANTEES INSURANCE Main business directions

FINAN CING G UARANTEES INSURANCE Main business directions. THREE BUSINESS PILLARS. FINANCING. G UARANTEES. INSURANCE. EximBank FUNCTION. Specialized bank, unique in the finance banking sector Target clients : SME with development potential Exporters or potential exporters

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FINAN CING G UARANTEES INSURANCE Main business directions

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  1. FINANCING GUARANTEES INSURANCE Main business directions

  2. THREE BUSINESS PILLARS FINANCING GUARANTEES INSURANCE EximBank FUNCTION Specialized bank, unique in the finance banking sector Target clients: SME with development potential Exporters or potential exporters Public local authorities Big companies 2

  3. FINANCING SOLUTIONS

  4. FINANCING SOLUTIONS EximBankoffers to the companies products to finance the following: • Current activity • Companies’ investment projects • Export activity • A special segment is represented by financing products under the state aid scheme as the Subsidized interest rate credits that can be granted for: • SME developmentworking capital • prioritary domainsentrepreneur women • Interest rate is 5 points lower than the regular market value • and it is fixed during the financing period. • EximBankconsider as a priority supporting the companies that have projects funded with European funds and launched a financing package that contains co-financing and pre-financing solutions. • 3

  5. COMPLEXGUARANTEES SOLUTIONS

  6. COMPLEX GUARANTEES PACKAGE EximBank facilitates companies access to financing solutions by completing the necessary guarantees • EximBank Guarantees products: • aim to guarantee credits or banking letters of guarantees received by companies from commercial banks • cover the risks of payment credits default or execution of the banking letters of guarantees • complete the guarantees offered to the financing bank • Cover up to 80% form the main credit Simplified procedure to offer guarantees • Guarantee value: max.Euro1,5 mil. • Valability term : max. 5 years • Granting period : max. 10 days 6

  7. COMPLEX GUARANTEES PACKAGE EximBank may issue guarantees for • Exporters – completes the necessary guarantees for export credits and the banking letters of guarantees issued by commercial banks. • SME and big companies– completes the guarantees package for development credits, covering the payment default risks. • European funded projects. • Prioritary domains – guarantees credits or banking letters of guarantees granted for investment projects abroad, infrastructure development, public utilities projects, environment protection, human resources development. • 7

  8. COMPLEX GUARANTEES PACKAGE • EximBankgranted a guarantee for a current activity credit contracted from another commercial bank to a production facility • Guarantee value →Eur 800.000(80% out of the credit granted by the bank) • Guarantee validity term →12 months (as per the financing period) • Costs(related to the guarantee value) • Analysis fee • 0,1% flat=Eur800 • Administration fee • 0,45% p.a.= Eur 3.600 • Guarantee fee • 0,8% p.a.= Eur6.400 8

  9. COMPLEX GUARANTEES PACKAGE • Letters of banking guarantees • EximBankis taking over payment obligations, damage reparatory entitled, for non fulfillments or faults in covering the commitments of Romanian companies toward foreign business partners. • Letters of guarantees may be issued for: • public auction participation • advance re-payment • good execution • good functioning • payment 9

  10. RISKSMITIGATION

  11. RISKS MITIGATION EximBank is offering to Romanian companies the possibility of substantially decrease the commercial and political risks that might occur during international commercial transactions through a wide range of guarantee products Insurance policy for covering the risk of external non payment for non market risks Insurance policy for export credits on medium and long term Insurance policy for Romanian capital investment abroad Insurance policy for buyer credits 11

  12. RISKS MITIGATION Consultancy EximBank is offering the product called Commercial and Credit Information, meant as an instrument used by companies to get to know their future business partners before concluding a commercial contract. Information supplied Trade Registry identification data Publicly reported financial data Business analysis based on financial data Recommendations regarding the safety level up to which the company may conclude commercial transactions using credit 12

  13. Thank you! Additional details informatii@eximbank.ro www.eximbank.ro Pentru detalii despre produsele si serviciile noastre 13 EximBank Splaiul Independentei, Nr. 15, Sect. 5, Bucuresti www.eximbank.ro

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