EU Funds and Postbank June 2010 Sofia POSTBANK YOUR PROJECT PARTNER
Page 2 Eurobank EFG Group Group financial highlights as at Full Year 2009 Total Loans 57.6 bn Total Deposits 46.8 bn Total Assets 84.3 bn Pre-provision profit 1,569m Net profit* 362 m Key ratios Net Interest Margin2.8% Cost / Income48.4% Non Performing Loans (NPLs) 5.2% NPLs Coverage Ratio59% Total Capital Adequacy12.7% Return on Assets*0.4% Return on Equity*6.0% *excluding one-off tax
Page billion assets 8.50% market share 219 branches Over employees Over 1 million clients 2.3 billion Loan portfolio 2.2 billion Client Deposit base Postbank
Page 4 EU Funds & Postbank SBB Expand your business with the help of Postbank and EU funds Why Postbank? Because: we listen carefully… we understand your needs… we want your business to succeed… we will help you to develop your business ideas… we will offer you reliable business support when you need it we treat your small business seriously, as we would a big business and together we c an solve your financing problems
Page 5 EU Funds & Postbank Application stage Credit promise Bank reference Project account Preparation of application form Project approved Investment loan Bridge financing Financing your own contribution ESCROW account Tenders Contracts on works & supplies Documentary credit Guarantees Imports of goods or services Hedging currency risk Payments Settlements Transfers from project account EU grant payment Bridge loan repayment
Page 6 EU Funds & Postbank CBD EU Financing Individual approach towards the specific business needs of each customer Personal relationship manager for each client Flexible decisions in financial deals structuring
Page 7 EU Funds & Postbank SBB EU Business Equipment Loans Fast procedure - Answer in 5 days Preferential conditions - Financing up to 100% of the project - Maturity up to 20 years - Flexibility - you define your payment schedule so repaying your monthly installments isnt a burden - Preferential interest rate Up to 90% of the collateral value
Page 8 EU Funds & Postbank SBB EU Business Credit Line for working capital Advantages: - Maturity up to 20 years - Without repayments by the end of the year - Minimal requirements - Fast procedure Business Credit line gives you: - Cash availability - Repayment flexibility - The power to seize immediate business opportunities