1. | ProCredit Bank? The Bank for You1

2. | German capital The Bank for You German standards and global presence German capital The only German bank in Serbia 100 % Sole shareholder of the Bank is ProCredit Holding, Frankfurt, Germany; responsible for managing more than 20 banks and financial institution world wide ProCredit Holding shareholders include reputable international financial institutions such as KfW, IFC, IPC, Stichting DOEN ProCredit Bank Serbia founders were ProCredit Holding, EBRD, KfW, FMO, IFC and Commerzbank Our bank is supervised by the National Bank of Serbia and is also is regularly monitored by BAFIN – the German Federal Financial Supervisory Authority Fitch Rating of ProCredit bank Serbia: B+ Sole shareholder of the Bank is ProCredit Holding, Frankfurt, Germany; responsible for managing more than 20 banks and financial institution world wide ProCredit Holding shareholders include reputable international financial institutions such as KfW, IFC, IPC, Stichting DOEN ProCredit Bank Serbia founders were ProCredit Holding, EBRD, KfW, FMO, IFC and Commerzbank Our bank is supervised by the National Bank of Serbia and is also is regularly monitored by BAFIN – the German Federal Financial Supervisory Authority Fitch Rating of ProCredit bank Serbia: B+ 2

3. | ProCredit Bank Serbia The Bank for You Second decade of successful banking 2001 ProCredit Bank Serbia opens for business We are committed to building long-term partnerships with small and medium enterprises and domestic agriculture producers What we do not fund Public and state-owned enterprises, large corporations, political parties and sports clubs We do not invest in the stock market or in speculative activities We do not support projects and companies that damage the environment We do not promote consumer loans We do not sell loans – we build long-term relationships with clients We are committed to building long-term partnerships with small and medium enterprises and domestic agriculture producers What we do not fund Public and state-owned enterprises, large corporations, political parties and sports clubs We do not invest in the stock market or in speculative activities We do not support projects and companies that damage the environment We do not promote consumer loans We do not sell loans – we build long-term relationships with clients Since 2005 3

4. | The partner bank for SME 88 % Commitment to the economy The Bank for You of ProCredit Bank loans have gone to small and medium-sized enterprises and farmers More than EUR 3.6 billion invested in the development of the national economy Every fifth loan is taken in PCB. (20% from total volume of loan portfolio of entrepreneurs in Serbia, is financing by PCB) Special focus towards support of production ProCredit Bank is among five banks with the largest share of a subsidized loans programme developed by the Ministry of Finance and Economy More than EUR 3.6 billion invested in the development of the national economy Every fifth loan is taken in PCB. (20% from total volume of loan portfolio of entrepreneurs in Serbia, is financing by PCB) Special focus towards support of production ProCredit Bank is among five banks with the largest share of a subsidized loans programme developed by the Ministry of Finance and Economy 4

5. | Complete business understanding 6x6x6x6x Expertise and know-how The Bank for You better portfolio in business segment compared with the banking sector in Serbia* ProCredit Bank has an extremely low level of business loans in arrears – 3.69% compared to 21.6% for the banking sector – which is due to our employees having a very high understanding of clients’ businesses and the risks they face This allows us to give feedback to clients about their business – what we consider to be positive and what aspects could be improved Clients appreciate the ProCredit approach and know that they are valued as a stable company with good management and great market position Sometimes customers come to us with ideas for additional financing which we have to reject because our analysis shows that the project would not be good for the client's business. In this regard, we are very careful not to let our clients become over indebted ProCredit Bank has an extremely low level of business loans in arrears – 3.69% compared to 21.6% for the banking sector – which is due to our employees having a very high understanding of clients’ businesses and the risks they face This allows us to give feedback to clients about their business – what we consider to be positive and what aspects could be improved Clients appreciate the ProCredit approach and know that they are valued as a stable company with good management and great market position Sometimes customers come to us with ideas for additional financing which we have to reject because our analysis shows that the project would not be good for the client's business. In this regard, we are very careful not to let our clients become over indebted 5 * June 2014; Source – Credit Bureau

6. | Credit limit The Bank for You It is approved once a year in accordance to financial indicators Funds within the limit can be used for short-term and long-term purposes The dynamics of use and the amount of funds are set by the clients Benefits for the client’s business: Simple procedures Possibility of business planning in accordance with the limit More efficient lending process It is approved once a year in accordance to financial indicators Funds within the limit can be used for short-term and long-term purposes The dynamics of use and the amount of funds are set by the clients Benefits for the client’s business: Simple procedures Possibility of business planning in accordance with the limit More efficient lending process 6 100% Long-term relationship Long-term relationship with clients

7. | Long-term loans The Bank for You Apex and EIB loans - Loans for investment and development credit line from the European Investment Bank (EIB), with the mediation of the National Bank of Serbia (Apex) Cofinancing- ProCredit Bank provides long-term financing from Germany, from an affordable source, for a period up to 10 years, with the option of a fixed interest rate EE financing:  ProCredit Bank is a leader in financing energy- efficiency solutions in Serbia  In addition to lower costs, energy-efficient solutions significantly enhance productivity EE credit line with EU grants - loans for improving energy efficiency in cooperation with KfW and EU Loans from PCB funds Apex and EIB loans - Loans for investment and development credit line from the European Investment Bank (EIB), with the mediation of the National Bank of Serbia (Apex) Cofinancing- ProCredit Bank provides long-term financing from Germany, from an affordable source, for a period up to 10 years, with the option of a fixed interest rate EE financing:  ProCredit Bank is a leader in financing energy- efficiency solutions in Serbia  In addition to lower costs, energy-efficient solutions significantly enhance productivity EE credit line with EU grants - loans for improving energy efficiency in cooperation with KfW and EU Loans from PCB funds 7 €44 million portfolio of loans for improving energy efficiency

8. | Subsidized loans - for years, we have been one of the most successful bank in distributing subsidised loans to domestic enterprises Revolving credit line - offering clients to react quickly and efficiently to daily changes and challenges in the business Overdraft- an additional source of short-term funding Documentary business : Bank guarantees Documentary Letters of Credit Documentary collection Subsidized loans - for years, we have been one of the most successful bank in distributing subsidised loans to domestic enterprises Revolving credit line - offering clients to react quickly and efficiently to daily changes and challenges in the business Overdraft- an additional source of short-term funding Documentary business : Bank guarantees Documentary Letters of Credit Documentary collection of loans subsidised by state programmes distributed by ProCredit Bank* Short-term loans The Bank for You * Results from the Ministry of Economy 8 €73 million

9. | 9The Bank for You Home bank concept

10. | Feel free to ask! The Bank for You PARTNERSHIP BUILDS SUCCESS 10