1. DOING GOOD BUSINESS WITH US!

2. ABOUT US CORPORATE BANKING
Specialized bank, unique institution on the financial/banking market, actively involved in supporting and promoting the Romanian business environment via two functionalities:
CORPORATE
We have a portfolio of banking products and services that may be accessed by any company, either SME or big company, involved in international transactions or exclusively present on local market.
BANKING
We offer to commercial banks state guarantees and insurance policies facilitating the speeding up of crediting towards local companies with better risk mitigation conditions.

3. DOING GOOD BUSINESS WITH US!
FINANCING
FACTORING
TRADE FINANCE 
CASH MANAGEMENT
FINANCIAL RISKS MITIGATION SOLUTIONS

4. CORPORATE FINANCING CURRENT ACTIVITY CREDITS INVESTMENTS EXPORT
By using this facility you can cover the temporary cash deficit of your company via a flexible financing mechanism, accustomed to your specific financial state.
INVESTMENTS
CREDITS
It is a credit recommended if you intend to develop your business and need financing to cover costs related to modernizing/extending your activity.
EXPORT
CREDITS
This facility may cover costs related to goods production and delivery as well as services providing for export purposes.

5. SME FINANCING CREDIT FACILITY FOR INVESTMENTS LETTERS OF GUARANTEE
CURRENT ACTIVITY
Currency : RON
Tenor: maximum 12 months
Facility:
minimum: 50,000 Lei
maximum: 2 Mio. Lei
INVESTMENTS
CREDIT
Tenor: maximum 7 years
maximum: 2 Mio. Lei
LETTERS OF GUARANTEE
Issued in RON for:
Biddings participation
Good execution of contracts
Advance payments reimbursement
Payments guarantee
Tenor: maximum 24 months

6. EU FUNDED PROJECTS FINANCING
CO-FINANCING
CREDIT
We cover up to 85% of the company’s contribution or of the value of the non-eligible project’ costs.
Credit tenor is related to the project type, implementing term and reimbursement capacity.
PRE-FINANCING
CREDIT
We grant up to 100% of the financing received from the management authority.
Credit tenor: up to 2 years
LETTERS OF COMFORT
We express our intention to make available to the company the necessary funding for supporting the project, under the condition of its approval by the management authority.

7. FACTORING
We know it is hard for the company to expect delayed payments so we can ensure the necessary cash for the business as usual by partially or entirely invoice financing. 
ADVANTAGES
No administration fee
Financing up to 100% of the nominal value of the invoice
Services at international standards – EximBank is member of Factors Chain International
No collaterals requested
Rapidity - upon signing the factoring agreement payment is performed no later than 24 hours after the invoices are being presented.
Payment of receivables before maturity - deferred payment becomes payment at sight
Flexibility in funding usage – funds may be used as needed
Access to information related to potential partners through the foreign factoring agency
Minimal documentation as compared with the one required for granting a loan

8. TRADE FINANCE
Our almost 25 years of experience in supporting international commercial transactions gives us the competitive advantage of drafting trade finance solutions accustomed to each company.
DOCUMENTARY BILL OF CREDIT- EximBank is irrevocably assuming for its importer client the payment to the exporter of the counter value of documents showing the goods delivery or services providing.
LETTER OF BANKING GUARANTEE- EximBank offers letters of banking guarantee for participating in biddings, for payments, good execution, reimbursement of advance payments, custom and taxes payments. EximBank also offers letters of counter-guarantee issued in favor of another bank as a support for letters of guarantees issuing or granting other facilities.
DOCUMENTARY INCASSO – EximBank transmits the commercial documents (invoices, transport documents) and /or financial (bills, promissory notes) as per the exporters’ instructions in order to obtain the payments / payments approval from the importer.
DOCUMENTARY PAYMENT ORDER - EximBank instructs the beneficiary bank to credit a certain amount to the beneficiary’s account upon fulfilling certain conditions and/or presenting documents, statements, etc.

9. CASH MANAGEMENT
We can provide Commercial Information reports about Romanian and foreign companies for making the most profitable investments and commercial decisions.
CURRENT ACCOUNT- enables clients to perform intra and inter banking transactions, both in RON and other currencies, cashing and payment of debt instruments, other payment instruments, currencies exchange operations, etc
PAYMENT/COLLECTION SOLUTIONS:
Standard payment instruments: payment order (OP), promissory note (BO), bill of exchange, cheque, external payment order
Standing orders
Cross-currency payments/collections
Multiple payments
AUTOMATICALLY OVERNIGHT DEPOSITS
INTERNET BANKING E-xim Banking
OTHER SOLUTIONS: working capital account, Trezolink, Escrow accounts fax/ transmissions, payment reports (paper based and electronic)

10. TREASURY
You can count on us any time you need actual information on financial markets, good quotations and financial risk management solutions because we can offer:
EXCHANGE MARKET - EximBank offers competitive calculations for pairs of currencies including RON as well as for pairs of foreign currencies.
Transactions with clearing date TODAY
Transactions with clearing date SPOT (clearing ≤ T+2)
Client’s option to place transaction orders at a limited exchange rate
DERIVATIVES - EximBank offers the following structures for protection against foreign exchange risks:
FORWARD transactions (clearing >T+2) for the due dates indicated by the client
SWAP transactions
MONETARY MARKET
Standard and non – standard period deposits - (in order to place a cash excess client may constitute deposits with preferential rates, in RON or other currencies, for amounts higher than 100,000 RON, EUR/USD)
Automatic Overnight - option of having an overnight deposit automatically with preferential interest rates
(minimal amount RON, EUR or USD)

11. RISKS MITIGATION
We offer the Commercial and credit Information, a product that allows the company to get to know its future business partner before concluding a commercial contract.
The advantages of accessing Commercial Information reports are:
All information relating to the risk of the company can be obtained in the pre-contractual period so that the contract contains provisions for minimizing business risk;
Information can be obtained during the commercial contract for monitoring the creditworthiness of the financial partner and changes of its legal status;
The possibility to obtain information about a potential trading partner when it pursues a possible investment, entering an untapped market.
Information offered
Identification data - name, address, registration number with the Trade Registry, VAT, history data, management, business activity, employees, banks, share capital, branches, other information of interest;
Public financial data - balance sheet, P&L, payment behaviour, incidents relating to payment instruments used in the last year of activity, international sanctions;
Summary financial analysis - financial standing based on liquidity, solvency, profitability, financial strength of the company, evolution of the business as volumes and economic results;
Rating - ranking in a risk class based on financial standing;
Credit limit - recommendations on safety threshold up to which the company may conclude commercial transactions baesd on the commercial credit.
EximBank is making all the efforts to offer data and information to its clients as accurate as possible but it may not and will not be hold responsible for the final decision of the client that requested the product.

12. RISKS MITIGATION FOREIGN MARKET CREDIT INSURANCE
INTERNAL MARKET CREDIT INSURANCE
GUARANTEES INSURANCE 
PROPERTY INSURANCE 
GENERAL THIRD PARTY LIABILITY INSURANCE
PERSONAL ACCIDENTS INSURANCE 
Facilities offered by EXIMASIG,
insurance company
owned by EximBank

13. STATE GUARANTEES AND INSURANCE

14. GUARANTEES
We are the only Romanian bank acting as State agent so we can offer sovereign guarantees reducing risks associated with financing and thus facilitating access of local companies to credits.
EXIMBANK GUARANTEE:
covers up to 80% of the principal of the Loan (loan or L/G) that a company may contract from any commercial bank, including EximBank
the tenor is related to the Loan period
issued in the currency of the Loan

15. SME FACILITY AGREEMENT
Any commercial bank may conclude an agreement with us benefiting from a facility allowing EximBank to issue state guarantees for credits for investments and / or working capital granted to SMEs by the partner bank.
SME
FINANCING
BANK
EXIMBANK
GUARANTEE
1. The company files a request for credit and individual guarantees completion
The SME facility:
Is used by the bank to complete the individual guarantees
Is granted in Lei
Guarantees have the same tenor as the SME financing
2. The bank approves the credit and accesses the SME facility granted by EximBank
3. EximBank confirms to the bank the guarantee inclusion in the facility

16. STATE COUNTER GUARANTEE
We cover up to 80% of the banking guarantee letters issued by the commercial banks for infrastructure development projects, public utilities, support of research-development activities, environment protection, human resources, SME development, etc.
OBJECT
Letter of banking guarantee: bidding participation, advance payment reimbursement, good execution etc.
Guarantees facility, hereby named LBG
BENEFICIARIES
Banks issuing LBG
COVERED RISKS
Risk of non payment of LBG in case of its execution following the un-fulfilment of contractual obligations or tender book provisions.
THE TWO GUARANTEE MECHANISMS IMPLEMENTED BY EXIMBANK HAVE PARALLEL FUNCTIONING
Clients and banks issuing the banking letters of guarantee may choose the credit risk mitigation method
STATE
GUARANTEE
STATE
COUNTER GUARANTEE

17. INSURANCE
Insurance policies concluded by EximBank – acting as Export Credit Agency (ECA) - protect the cashings of the exporters against risks associated to foreign partners or destination country and facilitate access to financing products by having the option of being assigned to the financing banks in order to complete the guarantees.
TARGET GROUPS
Manufacturers delivering goods and services on international markets
Service providers for construction works abroad
Romanian investors abroad
TARGET GEOGRAPHIES
Europe non-EU (Moldova, Serbia, Montenegro, Bosnia & Hertzegovina, Turkey), Middle East, Asia, Africa, Central and Latin America
TEMPORARY, up to – Greece. Scheme may be extended by European Commission.
TEMPORARY, up to – EU countries if the private insurers refuse to cover risks.
Necessary documents and insurance claims are available online at

18. INSURANCE PORTFOLIO SHORT TERM INSURANCE covers non-marketable risks
deliveries with repayment terms up to 2 years for buyers in non-EU non-OECD countries
indemnification not exceeding 85% of the credit limit
covers pre-delivery and post- delivery commercial and political risks.
MEDIUM AND LONG TERM INSURANCE - supplier credit (compliant with OECD Consensus)
covers deliveries with repayment terms over 2 years
indemnification not exceeding 85% of the export credit
MEDIUM AND LONG TERM INSURANCE – buyer’s credit (compliant with OECD Consensus)
covers the loan for the purchasing of goods or services supplied by a Romanian company with a repayment period between 2-15 years
indemnification not exceeding 95% of the loan
covers commercial risks and political risks.
INSURANCE OF ROMANIAN INVESTMENTS ABROAD
covers capital investments in high risk countries
indemnification not exceeding 90% of the investment project
covers political risks.
INSURANCE of LETTERS OF GUARANTEE
covers the unfair calling of LGs, risks independent of the will of exporters
indemnification not exceeding 95% of the called LG

19. PARTNERS 19

20. THANK YOU!