EBRD EastAgri Annual Meeting 2005
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EBRD EastAgri Annual Meeting 2005. 1 st March 2005. EBRD’s Objective in MSE Finance. - PowerPoint PPT Presentation
Transcript of EBRD EastAgri Annual Meeting 2005
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EBRDEastAgri Annual Meeting 20051st March 2005
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EBRDs Objective in MSE FinanceProvide private micro and small enterprises, throughout our countries of operations, not catered to by the formal financial sector with sustainable access to financial services regardless of the industry sector.
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Approach to MSE FinanceEnsure fast and wide outreach including remote and depressed areasEnsure commercial viability of MSE lending as building block for sustainabilityIntegration of MSE lending operations into formal financial system as standardEfficient use of Technical Assistance funds with clear and measurable performance benchmarksDonor Co-ordination & Harmonization - in On-lending, Project Management, and TA-Institution Building
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PBs, MFIs and NGOsWhere there are commercial banks that meet standards of integrity, commitment and financial stability, TA and loan funds are provided (40).Where no suitable commercial banks are available, or where these banks are unwilling to adopt necessary procedures and client orientation, specialised MFIs are set up (12). NGOs being explored best-practice, track-record, and preferably commercialising so that they can attract capital market funds rather than scarce donor resources for lending (1 NGO upgrade, 1 NGO loan and 1 NGO TC only).
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Results & Successes Overall (to end Dec 2004)EBRD has been promoting MSE development throughout the region for 10 years. It is now operating in 19 countries with 55 partners, through 944 branches employing 3,671 loan officers
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Results & Successes Overall (to end Dec 2004)
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Results: Number of Loans Disbursed(to end Dec 2004)
Grand Total
CountryProjectProject start dateNo. of loans grantedUS$ amount of loans grantedUS$ average loan amountUS$ amount of loans outstandingNo. of loans outstandingUS$ arrears > 30 daysArrears % > 30 daysUS$ average loan amount1.3032
AlbaniaProCredit BankFeb-990.00%
AzerbaijanMFBANov-02
BosniaProCredit BankNov-970.00%
BulgariaProCredit BankOct-010.00%
GeorgiaProCredit BankMay-99
KosovoProCredit BankFeb-000.00%
MacedoniaProCredit BankJul-030.00%
MoldovaProCredit BankDec-990.00%
RomaniaProCredit BankMay-010.00%
RussiaKMBNov-98
Serbia & MontenegroProCredit BankApr-010.00%
UkraineProCredit BankFeb-01
AVERAGE00.00%0
TOTAL00000
Grand Total
285
68
53
354
714
801
74
2059
338
76
271
254
4318
Number of Loans Granted
Sept
2338206.29
67024.84
780908.67
2401601.50927576
5146608.32197883
3210090
275900
10696682
2294308.77266534
131602
805666
1084512.93145468
28478452.4574588
US$ Amount of Loans Granted
Oct
2338206.29
67024.84
780908.67
2401601.50927576
5146608.32197883
3210090
275900
10696682
2294308.77266534
131602
805666
1084512.93145468
28478452.4574588
+
US$ Amount Granted
Nov
285
68
53
354
714
801
74
2059
338
76
271
254
4318
No. of Loans Granted
Agro Out%
20874902.89
110072.7
2577154.8
23373346.6093701
29112795.3044754
28771929
1676713
73386089
16602033.3298396
600322
4184328
10589825
194365035.985792
US$ Amount Outstanding
# Disbursed
3135
103
287
4451
4909
7149
510
17411
3131
316
1111
2591
33785
No. of Loans Outstanding
$ Disbursed
8204.2325964912
985.6594117647
14734.1258490566
6784.1850544513
7208.1349047322
4007.6029962547
3728.3783783784
5195.0859640602
6787.8957771164
1731.6052631579
2972.9372693727
4269.735950609
6595.2877391058
US$ Average Loan Amount
Agro v Other Outstanding
0.0003189793
0.0097087379
0.0034843206
0.0002246686
0.0002037075
0.0001398797
0.0019607843
0.0063999999
0.0003193868
0
0.00090009
0.0003859514
0.0000295989
% Arrears > 30 days
Grand Total Dec
CountryProjectProject start dateNo. of loans grantedUS$ amount of loans grantedUS$ average loan amountUS$ amount of loans outstandingNo. of loans outstandingUS$ arrears > 30 daysArrears % > 30 daysUS$ average loan amount
1.2415
AlbaniaProCredit BankFeb-9900.00%0
BosniaProCredit BankNov-9700.00%0
BulgariaProCredit BankOct-0100.00%0
GeorgiaProCredit BankMay-9900
KosovoProCredit BankFeb-0000.00%0
MacedoniaProCredit BankJul-0300.00%0
MoldovaProCredit BankDec-9900.00%0
RomaniaProCredit BankMay-0100.00%0
RussiaKMBNov-9800
Serbia & MontenegroProCredit BankApr-0100.00%0
UkraineProCredit BankFeb-0100
AVERAGE00.00%0
TOTAL00000
Grand Total Dec
0
0
0
0
0
0
0
0
0
0
0
0
0
Number of Loans Granted
Dec
0
0
0
0
0
0
0
0
0
0
0
0
0
US$ Amount of Loans Granted
Jan
0
0
0
0
0
0
0
0
0
0
0
0
0
+
US$ Amount Granted
0
0
0
0
0
0
0
0
0
0
0
0
0
No. of Loans Granted
0
0
0
0
0
0
0
0
0
0
0
0
0
US$ Amount Outstanding
0
0
0
0
0
0
0
0
0
0
0
0
0
No. of Loans Outstanding
0
0
0
0
0
0
0
0
0
0
0
0
0
US$ Average Loan Amount
0
0
0
0
0
0
0
0
0
0
0
0
0
% Arrears > 30 days
CountryProjectProject start dateNo. of loans grantedUS$ amount of loans grantedUS$ average loan amountUS$ amount of loans outstandingNo. of loans outstandingUS$ arrears > 30 daysArrears % > 30 daysUS$ average loan amount
1.272
AlbaniaProCredit BankFeb-9900.00%0
BosniaProCredit BankNov-9700.00%0
BulgariaProCredit BankOct-0100.00%0
GeorgiaProCredit BankMay-9972125,9761,750603,9424181,445
KosovoProCredit BankFeb-0000.00%0
MacedoniaProCredit BankJul-03106198,1241,869526,2262860.00%1,840
MoldovaProCredit BankDec-9900.00%0
RomaniaProCredit BankMay-0100.00%0
RussiaKMBNov-9800
Serbia & MontenegroProCredit BankApr-0100.00%0
UkraineProCredit BankFeb-0100
AVERAGE1,8210.00%0
TOTAL178324,1001,130,1687040
0
0
0
0
0
0
0
0
0
0
0
0
0
Number of Loans Granted
0
0
0
0
0
0
0
0
0
0
0
0
0
US$ Amount of Loans Granted
0
0
0
0
0
0
0
0
0
0
0
0
0
+
US$ Amount Granted
0
0
0
0
0
0
0
0
0
0
0
0
0
No. of Loans Granted
0
0
0
0
0
0
0
0
0
0
0
0
0
US$ Amount Outstanding
0
0
0
0
0
0
0
0
0
0
0
0
0
No. of Loans Outstanding
0
0
0
0
0
0
0
0
0
0
0
0
0
US$ Average Loan Amount
0
0
0
0
0
0
0
0
0
0
0
0
0
% Arrears > 30 days
CountryProjectProject start dateNo. of loans grantedUS$ amount of loans grantedUS$ average loan amountUS$ amount of loans outstandingNo. of loans outstandingUS$ arrears > 30 daysArrears % > 30 daysUS$ average loan amount
1.3284
AlbaniaProCredit BankFeb-9900.00%0
BosniaProCredit BankNov-9700.00%0
BulgariaProCredit BankOct-0100.00%0
GeorgiaProCredit BankMay-9966417,5376,326643,8164481,437
KosovoProCredit BankFeb-0000.00%0
MacedoniaProCredit BankJul-03147321,7342,189830,2534290.00%1,935
MoldovaProCredit BankDec-9900.00%0
RomaniaProCredit BankMay-0100.00%0
RussiaKMBNov-9800
Serbia & MontenegroProCredit BankApr-0100.00%0
UkraineProCredit BankFeb-0100
AVERAGE3,4710.00%0
TOTAL213739,2711,474,0698770
285
68
53
354
714
801
74
2059
338
76
271
254
4318
Number of Loans Granted
2338206.29
67024.84
780908.67
2401601.50927576
5146608.32197883
3210090
275900
10696682
2294308.77266534
131602
805666
1084512.93145468
28478452.4574588
US$ Amount of Loans Granted
2338206.29
67024.84
780908.67
2401601.50927576
5146608.32197883
3210090
275900
10696682
2294308.77266534
131602
805666
1084512.93145468
28478452.4574588
+
US$ Amount Granted
285
68
53
354
714
801
74
2059
338
76
271
254
4318
No. of Loans Granted
20874902.89
110072.7
2577154.8
23373346.6093701
29112795.3044754
28771929
1676713
73386089
16602033.3298396
600322
4184328
10589825
194365035.985792
US$ Amount Outstanding
3135
103
287
4451
4909
7149
510
17411
3131
316
1111
2591
33785
No. of Loans Outstanding
8204.2325964912
985.6594117647
14734.1258490566
6784.1850544513
7208.1349047322
4007.6029962547
3728.3783783784
5195.0859640602
6787.8957771164
1731.6052631579
2972.9372693727
4269.735950609
6595.2877391058
US$ Average Loan Amount
0.0003189793
0.0097087379
0.0034843206
0.0002246686
0.0002037075
0.0001398797
0.0019607843
0.0063999999
0.0003193868
0
0.00090009
0.0003859514
0.0000295989
% Arrears > 30 days
5727964.0824
11787795.864
11075657.0112
6848840.9617
8183086.02
1112361.9984
516937
2974481.0208
28580553.4824
560654
Agricultural Loans - Volume of Loans Outstanding as at end Dec'04 in USD
157386
68699
211100
225082
123512
800188024.352876
300177653.98
1387074492.51632
1914683190.10288
694638377.00055
Volume Disbursed to date as at end December 2004 (USD)
5096761737.95263
10820225.7664
Outstanding Portfolio as at end December 2004
CountryProjectStart DateNo. of loans grantedUS$ amount of loans grantedUS$ average loan amountUS$ amount of loans outstandingNo. of loans outstandingUS$ average loan amountUS$ arrears > 30 daysArrears % > 30 days
AlbaniaProCreditFeb-9925,919185,800,1477,16889,860,92713,7766,523746,2020.83%
ArmeniaSME Credit LineOct-025,26016,308,1203,1008,279,3603,7422,21300.00%
AzerbaijanMFBANov-026,71418,036,2272,6866,441,6732,5182,558102,3371.59%
BelarusMicro LendingApr-011,34022,772,90316,9953,759,60135510,5905,6890.15%
BosniaProCreditNov-9734,102170,982,1155,01468,307,56914,3954,745463,1120.68%
BulgariaProCreditOct-0140,355319,852,6697,926174,964,87319,7968,838618,6830.35%
CroatiaMikroPlusJul-0445193,8414,308150,793453,35120,62813.68%
GeorgiaProCreditMay-9946,108239,707,2385,19963,865,20112,5875,0741,176,9971.84%
GeorgiaSELPOct-0010,61726,126,0692,46111,548,2636,1541,87793,2340.81%
KazakhstanKSBPMay-98127,519742,739,6435,825251,018,55244,0815,694917,2320.37%
KosovoProCreditFeb-0023,594199,585,8838,45994,635,70711,2458,416629,8870.67%
Kyrgyz RepublicMSEFFApr-0214,40723,908,8281,66011,218,0768,7071,28812,1660.11%
MacedoniaProCreditJul-0310,26350,470,0884,91820,209,4197,4062,729184,0610.91%
MoldovaProCreditDec-9913,33639,042,9222,92812,580,7785,6842,21388,3750.70%
MongoliaKhan BankJul-04928589,906636445,60084352900.00%
RomaniaProCreditMay-0116,66693,130,4635,58861,198,16210,9215,604120,8460.20%
RomaniaBanca RomaneascaJul-032,31726,414,81811,40018,966,3992,1258,925135,4610.71%
RussiaRSBF (inc KMB)Aug-94225,0821,914,683,1908,507331,667,49545,8197,2392,693,9300.81%
Russia(KMB Only)Nov-98121,2911,007,208,1268,304258,335,18632,8777,8581,883,8610.73%
Serbia & MontenegroProCreditApr-0142,493294,125,6176,922151,988,10124,0896,3091,188,0350.78%
Serbia & MontenegroAlter ModusMar-041,0432,129,1812,0411,363,0651,0011,36253,4553.92%
Serbia & MontenegroOpportunity BankApr-049675,346,7485,5294,022,0908994,47436,7360.91%
TajikistanMSEFFOct-032,3526,144,2842,6122,542,6551,4221,78800.00%
UkraineUMLP (inc ProCredit)Sep-98122,172671,865,4745,499203,105,06249,1344,1341,501,5910.74%
Ukraine(ProCreditOnly)Feb-0147,139252,889,3515,36598,516,23421,0944,670830,8450.84%
UzbekistanJ-USBPApr-0112,18026,805,3642,2016,598,7334,3751,50838,2540.58%
AVERAGE6,4865,4920.68%
TOTAL785,7795,096,761,7381,598,738,155291,11910,826,910
Central AsiaKSBP, Kyrgyz, Tajik, Uzbek157,386800,188,024
CaucasusAzerbaijan, Georgia, Armenia68,699300,177,654
BalkansAlbania, Bulgaria, Bosnia, Kosovo, Macedonia, Moldova, Croatia, Serbia & Montenegro, Romania211,1001,387,074,493
Russia225,0821,914,683,190
Ukraine + Belarus123,512694,638,377
Other Sectors5,096,761,738
Agrocultural Loans10,820,226
CountryProjectProject start dateNo. of loans grantedUS$ amount of loans grantedUS$ average loan amountUS$ amount of loans outstandingNo. of loans outstandingUS$ arrears > 30 daysArrears % > 30 daysUS$ average loan amount1.3648
AlbaniaProCredit BankFeb-99175779,0474,4528,051,1911,3980.00%5,759
BosniaProCredit BankNov-978641,938,1702,24311,577,7845,0050.00%2,313
BulgariaProCredit BankOct-0185995,91911,7177,330,6417960.00%9,209
GeorgiaProCredit BankMay-9950228,1234,5626,848,8417519,120
KosovoProCredit BankFeb-003761,228,8113,2688,345,5722,9270.00%2,851
MacedoniaProCredit BankJul-03139223,9471,6111,024,1805650.00%1,813
MoldovaProCredit BankDec-99149182,6261,226472,9594110.00%1,151
RomaniaProCredit BankMay-0189459,7105,1652,302,2304090.00%5,629
RussiaKMBNov-9800
Serbia & MontenegroProCredit BankApr-018274,673,8265,65228,407,7437,5120.00%3,782
UkraineProCredit BankFeb-0111110,04610,004436,0931054,153
AVERAGE3,9130.00%3,763
TOTAL2,76510,820,22674,797,23419,8790
&C&"Times New Roman,Regular"EBRD - Group for Small Business
Agro Loans
December 2005 Only
285
68
53
354
714
801
74
2059
338
76
271
254
4318
Number of Loans Granted
2338206.29
67024.84
780908.67
2401601.50927576
5146608.32197883
3210090
275900
10696682
2294308.77266534
131602
805666
1084512.93145468
28478452.4574588
US$ Amount of Loans Granted
2338206.29
67024.84
780908.67
2401601.50927576
5146608.32197883
3210090
275900
10696682
2294308.77266534
131602
805666
1084512.93145468
28478452.4574588
+
US$ Amount Granted
285
68
53
354
714
801
74
2059
338
76
271
254
4318
No. of Loans Granted
20874902.89
110072.7
2577154.8
23373346.6093701
29112795.3044754
28771929
1676713
73386089
16602033.3298396
600322
4184328
10589825
194365035.985792
US$ Amount Outstanding
3135
103
287
4451
4909
7149
510
17411
3131
316
1111
2591
33785
No. of Loans Outstanding
8204.2325964912
985.6594117647
14734.1258490566
6784.1850544513
7208.1349047322
4007.6029962547
3728.3783783784
5195.0859640602
6787.8957771164
1731.6052631579
2972.9372693727
4269.735950609
6595.2877391058
US$ Average Loan Amount
0.0003189793
0.0097087379
0.0034843206
0.0002246686
0.0002037075
0.0001398797
0.0019607843
0.0063999999
0.0003193868
0
0.00090009
0.0003859514
0.0000295989
% Arrears > 30 days
CountryProjectProject start dateNo. of loans grantedUS$ amount of loans grantedUS$ average loan amountUS$ amount of loans outstandingNo. of loans outstandingUS$ arrears > 30 daysArrears % > 30 daysUS$ average loan amount
1.3032
AlbaniaProCredit BankFeb-9999310,8333,1405,727,9641,0150.00%5,643
BosniaProCredit BankNov-976991,484,1522,12311,787,7965,5890.00%2,109
BulgariaProCredit BankOct-0178619,0497,93711,075,6578320.00%13,312
GeorgiaProCredit BankMay-9950228,1234,5626,848,8417519,120
KosovoProCredit BankFeb-003111,005,5323,2338,183,0863,0370.00%2,694
MacedoniaProCredit BankJul-03114197,9041,7361,112,3626730.00%1,653
MoldovaProCredit BankDec-9910197,192962516,9374730.00%1,093
RomaniaProCredit BankMay-01148744,0375,0272,974,4815450.00%5,458
RussiaKMBNov-9800
Serbia & MontenegroProCredit BankApr-017602,373,9183,12428,580,5537,9270.00%3,605
UkraineProCredit BankFeb-0112151,31312,609560,6541144,918
AVERAGE3,0400.00%3,692
TOTAL2,3727,212,05377,368,33120,9560
&C&"Times New Roman,Regular"&12EBRD - Group for Small Business
Agricultural Micro and Small Lending
January 2005 Only
285
68
53
354
714
801
74
2059
338
76
271
254
4318
Number of Loans Granted
2338206.29
67024.84
780908.67
2401601.50927576
5146608.32197883
3210090
275900
10696682
2294308.77266534
131602
805666
1084512.93145468
28478452.4574588
US$ Amount of Loans Granted
2338206.29
67024.84
780908.67
2401601.50927576
5146608.32197883
3210090
275900
10696682
2294308.77266534
131602
805666
1084512.93145468
28478452.4574588
+
US$ Amount Granted
285
68
53
354
714
801
74
2059
338
76
271
254
4318
No. of Loans Granted
20874902.89
110072.7
2577154.8
23373346.6093701
29112795.3044754
28771929
1676713
73386089
16602033.3298396
600322
4184328
10589825
194365035.985792
US$ Amount Outstanding
3135
103
287
4451
4909
7149
510
17411
3131
316
1111
2591
33785
No. of Loans Outstanding
8204.2325964912
985.6594117647
14734.1258490566
6784.1850544513
7208.1349047322
4007.6029962547
3728.3783783784
5195.0859640602
6787.8957771164
1731.6052631579
2972.9372693727
4269.735950609
6595.2877391058
US$ Average Loan Amount
0.0003189793
0.0097087379
0.0034843206
0.0002246686
0.0002037075
0.0001398797
0.0019607843
0.0063999999
0.0003193868
0
0.00090009
0.0003859514
0.0000295989
% Arrears > 30 days
-
Results: Volume of Loans Disbursed(to end Dec 2004)
Grand Total
CountryProjectProject start dateNo. of loans grantedUS$ amount of loans grantedUS$ average loan amountUS$ amount of loans outstandingNo. of loans outstandingUS$ arrears > 30 daysArrears % > 30 daysUS$ average loan amount1.3032
AlbaniaProCredit BankFeb-990.00%
AzerbaijanMFBANov-02
BosniaProCredit BankNov-970.00%
BulgariaProCredit BankOct-010.00%
GeorgiaProCredit BankMay-99
KosovoProCredit BankFeb-000.00%
MacedoniaProCredit BankJul-030.00%
MoldovaProCredit BankDec-990.00%
RomaniaProCredit BankMay-010.00%
RussiaKMBNov-98
Serbia & MontenegroProCredit BankApr-010.00%
UkraineProCredit BankFeb-01
AVERAGE00.00%0
TOTAL00000
Grand Total
285
68
53
354
714
801
74
2059
338
76
271
254
4318
Number of Loans Granted
Sept
2338206.29
67024.84
780908.67
2401601.50927576
5146608.32197883
3210090
275900
10696682
2294308.77266534
131602
805666
1084512.93145468
28478452.4574588
US$ Amount of Loans Granted
Oct
2338206.29
67024.84
780908.67
2401601.50927576
5146608.32197883
3210090
275900
10696682
2294308.77266534
131602
805666
1084512.93145468
28478452.4574588
+
US$ Amount Granted
Nov
285
68
53
354
714
801
74
2059
338
76
271
254
4318
No. of Loans Granted
Agro Out%
20874902.89
110072.7
2577154.8
23373346.6093701
29112795.3044754
28771929
1676713
73386089
16602033.3298396
600322
4184328
10589825
194365035.985792
US$ Amount Outstanding
# Disbursed
3135
103
287
4451
4909
7149
510
17411
3131
316
1111
2591
33785
No. of Loans Outstanding
$ Disbursed
8204.2325964912
985.6594117647
14734.1258490566
6784.1850544513
7208.1349047322
4007.6029962547
3728.3783783784
5195.0859640602
6787.8957771164
1731.6052631579
2972.9372693727
4269.735950609
6595.2877391058
US$ Average Loan Amount
Agro v Other Outstanding
0.0003189793
0.0097087379
0.0034843206
0.0002246686
0.0002037075
0.0001398797
0.0019607843
0.0063999999
0.0003193868
0
0.00090009
0.0003859514
0.0000295989
% Arrears > 30 days
Grand Total Dec
CountryProjectProject start dateNo. of loans grantedUS$ amount of loans grantedUS$ average loan amountUS$ amount of loans outstandingNo. of loans outstandingUS$ arrears > 30 daysArrears % > 30 daysUS$ average loan amount
1.2415
AlbaniaProCredit BankFeb-9900.00%0
BosniaProCredit BankNov-9700.00%0
BulgariaProCredit BankOct-0100.00%0
GeorgiaProCredit BankMay-9900
KosovoProCredit BankFeb-0000.00%0
MacedoniaProCredit BankJul-0300.00%0
MoldovaProCredit BankDec-9900.00%0
RomaniaProCredit BankMay-0100.00%0
RussiaKMBNov-9800
Serbia & MontenegroProCredit BankApr-0100.00%0
UkraineProCredit BankFeb-0100
AVERAGE00.00%0
TOTAL00000
Grand Total Dec
0
0
0
0
0
0
0
0
0
0
0
0
0
Number of Loans Granted
Dec
0
0
0
0
0
0
0
0
0
0
0
0
0
US$ Amount of Loans Granted
Jan
0
0
0
0
0
0
0
0
0
0
0
0
0
+
US$ Amount Granted
0
0
0
0
0
0
0
0
0
0
0
0
0
No. of Loans Granted
0
0
0
0
0
0
0
0
0
0
0
0
0
US$ Amount Outstanding
0
0
0
0
0
0
0
0
0
0
0
0
0
No. of Loans Outstanding
0
0
0
0
0
0
0
0
0
0
0
0
0
US$ Average Loan Amount
0
0
0
0
0
0
0
0
0
0
0
0
0
% Arrears > 30 days
CountryProjectProject start dateNo. of loans grantedUS$ amount of loans grantedUS$ average loan amountUS$ amount of loans outstandingNo. of loans outstandingUS$ arrears > 30 daysArrears % > 30 daysUS$ average loan amount
1.272
AlbaniaProCredit BankFeb-9900.00%0
BosniaProCredit BankNov-9700.00%0
BulgariaProCredit BankOct-0100.00%0
GeorgiaProCredit BankMay-9972125,9761,750603,9424181,445
KosovoProCredit BankFeb-0000.00%0
MacedoniaProCredit BankJul-03106198,1241,869526,2262860.00%1,840
MoldovaProCredit BankDec-9900.00%0
RomaniaProCredit BankMay-0100.00%0
RussiaKMBNov-9800
Serbia & MontenegroProCredit BankApr-0100.00%0
UkraineProCredit BankFeb-0100
AVERAGE1,8210.00%0
TOTAL178324,1001,130,1687040
0
0
0
0
0
0
0
0
0
0
0
0
0
Number of Loans Granted
0
0
0
0
0
0
0
0
0
0
0
0
0
US$ Amount of Loans Granted
0
0
0
0
0
0
0
0
0
0
0
0
0
+
US$ Amount Granted
0
0
0
0
0
0
0
0
0
0
0
0
0
No. of Loans Granted
0
0
0
0
0
0
0
0
0
0
0
0
0
US$ Amount Outstanding
0
0
0
0
0
0
0
0
0
0
0
0
0
No. of Loans Outstanding
0
0
0
0
0
0
0
0
0
0
0
0
0
US$ Average Loan Amount
0
0
0
0
0
0
0
0
0
0
0
0
0
% Arrears > 30 days
CountryProjectProject start dateNo. of loans grantedUS$ amount of loans grantedUS$ average loan amountUS$ amount of loans outstandingNo. of loans outstandingUS$ arrears > 30 daysArrears % > 30 daysUS$ average loan amount
1.3284
AlbaniaProCredit BankFeb-9900.00%0
BosniaProCredit BankNov-9700.00%0
BulgariaProCredit BankOct-0100.00%0
GeorgiaProCredit BankMay-9966417,5376,326643,8164481,437
KosovoProCredit BankFeb-0000.00%0
MacedoniaProCredit BankJul-03147321,7342,189830,2534290.00%1,935
MoldovaProCredit BankDec-9900.00%0
RomaniaProCredit BankMay-0100.00%0
RussiaKMBNov-9800
Serbia & MontenegroProCredit BankApr-0100.00%0
UkraineProCredit BankFeb-0100
AVERAGE3,4710.00%0
TOTAL213739,2711,474,0698770
285
68
53
354
714
801
74
2059
338
76
271
254
4318
Number of Loans Granted
2338206.29
67024.84
780908.67
2401601.50927576
5146608.32197883
3210090
275900
10696682
2294308.77266534
131602
805666
1084512.93145468
28478452.4574588
US$ Amount of Loans Granted
2338206.29
67024.84
780908.67
2401601.50927576
5146608.32197883
3210090
275900
10696682
2294308.77266534
131602
805666
1084512.93145468
28478452.4574588
+
US$ Amount Granted
285
68
53
354
714
801
74
2059
338
76
271
254
4318
No. of Loans Granted
20874902.89
110072.7
2577154.8
23373346.6093701
29112795.3044754
28771929
1676713
73386089
16602033.3298396
600322
4184328
10589825
194365035.985792
US$ Amount Outstanding
3135
103
287
4451
4909
7149
510
17411
3131
316
1111
2591
33785
No. of Loans Outstanding
8204.2325964912
985.6594117647
14734.1258490566
6784.1850544513
7208.1349047322
4007.6029962547
3728.3783783784
5195.0859640602
6787.8957771164
1731.6052631579
2972.9372693727
4269.735950609
6595.2877391058
US$ Average Loan Amount
0.0003189793
0.0097087379
0.0034843206
0.0002246686
0.0002037075
0.0001398797
0.0019607843
0.0063999999
0.0003193868
0
0.00090009
0.0003859514
0.0000295989
% Arrears > 30 days
5727964.0824
11787795.864
11075657.0112
6848840.9617
8183086.02
1112361.9984
516937
2974481.0208
28580553.4824
560654
Agricultural Loans - Volume of Loans Outstanding as at end Dec'04 in USD
157386
68699
211100
225082
123512
Number of Loans disbursed to date as of end December 2004
800188024.352876
300177653.98
1387074492.51632
1914683190.10288
694638377.00055
RussiaUSD 1,914,683,190
CaucasusUSD 300,177,654
BalkansUSD 1,387,074,493
Central AsiaUSD 800,188,024
Ukraine + BelarusUSD 694,638,377
5096761737.95263
10820225.7664
Outstanding Portfolio as at end December 2004
CountryProjectStart DateNo. of loans grantedUS$ amount of loans grantedUS$ average loan amountUS$ amount of loans outstandingNo. of loans outstandingUS$ average loan amountUS$ arrears > 30 daysArrears % > 30 days
AlbaniaProCreditFeb-9925,919185,800,1477,16889,860,92713,7766,523746,2020.83%
ArmeniaSME Credit LineOct-025,26016,308,1203,1008,279,3603,7422,21300.00%
AzerbaijanMFBANov-026,71418,036,2272,6866,441,6732,5182,558102,3371.59%
BelarusMicro LendingApr-011,34022,772,90316,9953,759,60135510,5905,6890.15%
BosniaProCreditNov-9734,102170,982,1155,01468,307,56914,3954,745463,1120.68%
BulgariaProCreditOct-0140,355319,852,6697,926174,964,87319,7968,838618,6830.35%
CroatiaMikroPlusJul-0445193,8414,308150,793453,35120,62813.68%
GeorgiaProCreditMay-9946,108239,707,2385,19963,865,20112,5875,0741,176,9971.84%
GeorgiaSELPOct-0010,61726,126,0692,46111,548,2636,1541,87793,2340.81%
KazakhstanKSBPMay-98127,519742,739,6435,825251,018,55244,0815,694917,2320.37%
KosovoProCreditFeb-0023,594199,585,8838,45994,635,70711,2458,416629,8870.67%
Kyrgyz RepublicMSEFFApr-0214,40723,908,8281,66011,218,0768,7071,28812,1660.11%
MacedoniaProCreditJul-0310,26350,470,0884,91820,209,4197,4062,729184,0610.91%
MoldovaProCreditDec-9913,33639,042,9222,92812,580,7785,6842,21388,3750.70%
MongoliaKhan BankJul-04928589,906636445,60084352900.00%
RomaniaProCreditMay-0116,66693,130,4635,58861,198,16210,9215,604120,8460.20%
RomaniaBanca RomaneascaJul-032,31726,414,81811,40018,966,3992,1258,925135,4610.71%
RussiaRSBF (inc KMB)Aug-94225,0821,914,683,1908,507331,667,49545,8197,2392,693,9300.81%
Russia(KMB Only)Nov-98121,2911,007,208,1268,304258,335,18632,8777,8581,883,8610.73%
Serbia & MontenegroProCreditApr-0142,493294,125,6176,922151,988,10124,0896,3091,188,0350.78%
Serbia & MontenegroAlter ModusMar-041,0432,129,1812,0411,363,0651,0011,36253,4553.92%
Serbia & MontenegroOpportunity BankApr-049675,346,7485,5294,022,0908994,47436,7360.91%
TajikistanMSEFFOct-032,3526,144,2842,6122,542,6551,4221,78800.00%
UkraineUMLP (inc ProCredit)Sep-98122,172671,865,4745,499203,105,06249,1344,1341,501,5910.74%
Ukraine(ProCreditOnly)Feb-0147,139252,889,3515,36598,516,23421,0944,670830,8450.84%
UzbekistanJ-USBPApr-0112,18026,805,3642,2016,598,7334,3751,50838,2540.58%
AVERAGE6,4865,4920.68%
TOTAL785,7795,096,761,7381,598,738,155291,11910,826,910
Central AsiaKSBP, Kyrgyz, Tajik, Uzbek157,386800,188,024
CaucasusAzerbaijan, Georgia, Armenia68,699300,177,654
BalkansAlbania, Bulgaria, Bosnia, Kosovo, Macedonia, Moldova, Croatia, Serbia & Montenegro, Romania211,1001,387,074,493
Russia225,0821,914,683,190
Ukraine + Belarus123,512694,638,377
Other Sectors5,096,761,738
Agrocultural Loans10,820,226
CountryProjectProject start dateNo. of loans grantedUS$ amount of loans grantedUS$ average loan amountUS$ amount of loans outstandingNo. of loans outstandingUS$ arrears > 30 daysArrears % > 30 daysUS$ average loan amount1.3648
AlbaniaProCredit BankFeb-99175779,0474,4528,051,1911,3980.00%5,759
BosniaProCredit BankNov-978641,938,1702,24311,577,7845,0050.00%2,313
BulgariaProCredit BankOct-0185995,91911,7177,330,6417960.00%9,209
GeorgiaProCredit BankMay-9950228,1234,5626,848,8417519,120
KosovoProCredit BankFeb-003761,228,8113,2688,345,5722,9270.00%2,851
MacedoniaProCredit BankJul-03139223,9471,6111,024,1805650.00%1,813
MoldovaProCredit BankDec-99149182,6261,226472,9594110.00%1,151
RomaniaProCredit BankMay-0189459,7105,1652,302,2304090.00%5,629
RussiaKMBNov-9800
Serbia & MontenegroProCredit BankApr-018274,673,8265,65228,407,7437,5120.00%3,782
UkraineProCredit BankFeb-0111110,04610,004436,0931054,153
AVERAGE3,9130.00%3,763
TOTAL2,76510,820,22674,797,23419,8790
&C&"Times New Roman,Regular"EBRD - Group for Small Business
Agro Loans
December 2005 Only
285
68
53
354
714
801
74
2059
338
76
271
254
4318
Number of Loans Granted
2338206.29
67024.84
780908.67
2401601.50927576
5146608.32197883
3210090
275900
10696682
2294308.77266534
131602
805666
1084512.93145468
28478452.4574588
US$ Amount of Loans Granted
2338206.29
67024.84
780908.67
2401601.50927576
5146608.32197883
3210090
275900
10696682
2294308.77266534
131602
805666
1084512.93145468
28478452.4574588
+
US$ Amount Granted
285
68
53
354
714
801
74
2059
338
76
271
254
4318
No. of Loans Granted
20874902.89
110072.7
2577154.8
23373346.6093701
29112795.3044754
28771929
1676713
73386089
16602033.3298396
600322
4184328
10589825
194365035.985792
US$ Amount Outstanding
3135
103
287
4451
4909
7149
510
17411
3131
316
1111
2591
33785
No. of Loans Outstanding
8204.2325964912
985.6594117647
14734.1258490566
6784.1850544513
7208.1349047322
4007.6029962547
3728.3783783784
5195.0859640602
6787.8957771164
1731.6052631579
2972.9372693727
4269.735950609
6595.2877391058
US$ Average Loan Amount
0.0003189793
0.0097087379
0.0034843206
0.0002246686
0.0002037075
0.0001398797
0.0019607843
0.0063999999
0.0003193868
0
0.00090009
0.0003859514
0.0000295989
% Arrears > 30 days
CountryProjectProject start dateNo. of loans grantedUS$ amount of loans grantedUS$ average loan amountUS$ amount of loans outstandingNo. of loans outstandingUS$ arrears > 30 daysArrears % > 30 daysUS$ average loan amount
1.3032
AlbaniaProCredit BankFeb-9999310,8333,1405,727,9641,0150.00%5,643
BosniaProCredit BankNov-976991,484,1522,12311,787,7965,5890.00%2,109
BulgariaProCredit BankOct-0178619,0497,93711,075,6578320.00%13,312
GeorgiaProCredit BankMay-9950228,1234,5626,848,8417519,120
KosovoProCredit BankFeb-003111,005,5323,2338,183,0863,0370.00%2,694
MacedoniaProCredit BankJul-03114197,9041,7361,112,3626730.00%1,653
MoldovaProCredit BankDec-9910197,192962516,9374730.00%1,093
RomaniaProCredit BankMay-01148744,0375,0272,974,4815450.00%5,458
RussiaKMBNov-9800
Serbia & MontenegroProCredit BankApr-017602,373,9183,12428,580,5537,9270.00%3,605
UkraineProCredit BankFeb-0112151,31312,609560,6541144,918
AVERAGE3,0400.00%3,692
TOTAL2,3727,212,05377,368,33120,9560
&C&"Times New Roman,Regular"&12EBRD - Group for Small Business
Agricultural Micro and Small Lending
January 2005 Only
285
68
53
354
714
801
74
2059
338
76
271
254
4318
Number of Loans Granted
2338206.29
67024.84
780908.67
2401601.50927576
5146608.32197883
3210090
275900
10696682
2294308.77266534
131602
805666
1084512.93145468
28478452.4574588
US$ Amount of Loans Granted
2338206.29
67024.84
780908.67
2401601.50927576
5146608.32197883
3210090
275900
10696682
2294308.77266534
131602
805666
1084512.93145468
28478452.4574588
+
US$ Amount Granted
285
68
53
354
714
801
74
2059
338
76
271
254
4318
No. of Loans Granted
20874902.89
110072.7
2577154.8
23373346.6093701
29112795.3044754
28771929
1676713
73386089
16602033.3298396
600322
4184328
10589825
194365035.985792
US$ Amount Outstanding
3135
103
287
4451
4909
7149
510
17411
3131
316
1111
2591
33785
No. of Loans Outstanding
8204.2325964912
985.6594117647
14734.1258490566
6784.1850544513
7208.1349047322
4007.6029962547
3728.3783783784
5195.0859640602
6787.8957771164
1731.6052631579
2972.9372693727
4269.735950609
6595.2877391058
US$ Average Loan Amount
0.0003189793
0.0097087379
0.0034843206
0.0002246686
0.0002037075
0.0001398797
0.0019607843
0.0063999999
0.0003193868
0
0.00090009
0.0003859514
0.0000295989
% Arrears > 30 days
-
Agricultural Loans Volume of Loans Outstanding ( to end Dec '04)
Grand Total
CountryProjectProject start dateNo. of loans grantedUS$ amount of loans grantedUS$ average loan amountUS$ amount of loans outstandingNo. of loans outstandingUS$ arrears > 30 daysArrears % > 30 daysUS$ average loan amount1.3032
AlbaniaProCredit BankFeb-990.00%
AzerbaijanMFBANov-02
BosniaProCredit BankNov-970.00%
BulgariaProCredit BankOct-010.00%
GeorgiaProCredit BankMay-99
KosovoProCredit BankFeb-000.00%
MacedoniaProCredit BankJul-030.00%
MoldovaProCredit BankDec-990.00%
RomaniaProCredit BankMay-010.00%
RussiaKMBNov-98
Serbia & MontenegroProCredit BankApr-010.00%
UkraineProCredit BankFeb-01
AVERAGE00.00%0
TOTAL00000
Grand Total
285
68
53
354
714
801
74
2059
338
76
271
254
4318
Number of Loans Granted
Sept
2338206.29
67024.84
780908.67
2401601.50927576
5146608.32197883
3210090
275900
10696682
2294308.77266534
131602
805666
1084512.93145468
28478452.4574588
US$ Amount of Loans Granted
Oct
2338206.29
67024.84
780908.67
2401601.50927576
5146608.32197883
3210090
275900
10696682
2294308.77266534
131602
805666
1084512.93145468
28478452.4574588
+
US$ Amount Granted
Nov
285
68
53
354
714
801
74
2059
338
76
271
254
4318
No. of Loans Granted
Agro Out%
20874902.89
110072.7
2577154.8
23373346.6093701
29112795.3044754
28771929
1676713
73386089
16602033.3298396
600322
4184328
10589825
194365035.985792
US$ Amount Outstanding
# Disbursed
3135
103
287
4451
4909
7149
510
17411
3131
316
1111
2591
33785
No. of Loans Outstanding
$ Disbursed
8204.2325964912
985.6594117647
14734.1258490566
6784.1850544513
7208.1349047322
4007.6029962547
3728.3783783784
5195.0859640602
6787.8957771164
1731.6052631579
2972.9372693727
4269.735950609
6595.2877391058
US$ Average Loan Amount
Agro v Other Outstanding
0.0003189793
0.0097087379
0.0034843206
0.0002246686
0.0002037075
0.0001398797
0.0019607843
0.0063999999
0.0003193868
0
0.00090009
0.0003859514
0.0000295989
% Arrears > 30 days
Grand Total Dec
CountryProjectProject start dateNo. of loans grantedUS$ amount of loans grantedUS$ average loan amountUS$ amount of loans outstandingNo. of loans outstandingUS$ arrears > 30 daysArrears % > 30 daysUS$ average loan amount
1.2415
AlbaniaProCredit BankFeb-9900.00%0
BosniaProCredit BankNov-9700.00%0
BulgariaProCredit BankOct-0100.00%0
GeorgiaProCredit BankMay-9900
KosovoProCredit BankFeb-0000.00%0
MacedoniaProCredit BankJul-0300.00%0
MoldovaProCredit BankDec-9900.00%0
RomaniaProCredit BankMay-0100.00%0
RussiaKMBNov-9800
Serbia & MontenegroProCredit BankApr-0100.00%0
UkraineProCredit BankFeb-0100
AVERAGE00.00%0
TOTAL00000
Grand Total Dec
0
0
0
0
0
0
0
0
0
0
0
0
0
Number of Loans Granted
Dec
0
0
0
0
0
0
0
0
0
0
0
0
0
US$ Amount of Loans Granted
Jan
0
0
0
0
0
0
0
0
0
0
0
0
0
+
US$ Amount Granted
0
0
0
0
0
0
0
0
0
0
0
0
0
No. of Loans Granted
0
0
0
0
0
0
0
0
0
0
0
0
0
US$ Amount Outstanding
0
0
0
0
0
0
0
0
0
0
0
0
0
No. of Loans Outstanding
0
0
0
0
0
0
0
0
0
0
0
0
0
US$ Average Loan Amount
0
0
0
0
0
0
0
0
0
0
0
0
0
% Arrears > 30 days
CountryProjectProject start dateNo. of loans grantedUS$ amount of loans grantedUS$ average loan amountUS$ amount of loans outstandingNo. of loans outstandingUS$ arrears > 30 daysArrears % > 30 daysUS$ average loan amount
1.272
AlbaniaProCredit BankFeb-9900.00%0
BosniaProCredit BankNov-9700.00%0
BulgariaProCredit BankOct-0100.00%0
GeorgiaProCredit BankMay-9972125,9761,750603,9424181,445
KosovoProCredit BankFeb-0000.00%0
MacedoniaProCredit BankJul-03106198,1241,869526,2262860.00%1,840
MoldovaProCredit BankDec-9900.00%0
RomaniaProCredit BankMay-0100.00%0
RussiaKMBNov-9800
Serbia & MontenegroProCredit BankApr-0100.00%0
UkraineProCredit BankFeb-0100
AVERAGE1,8210.00%0
TOTAL178324,1001,130,1687040
0
0
0
0
0
0
0
0
0
0
0
0
0
Number of Loans Granted
0
0
0
0
0
0
0
0
0
0
0
0
0
US$ Amount of Loans Granted
0
0
0
0
0
0
0
0
0
0
0
0
0
+
US$ Amount Granted
0
0
0
0
0
0
0
0
0
0
0
0
0
No. of Loans Granted
0
0
0
0
0
0
0
0
0
0
0
0
0
US$ Amount Outstanding
0
0
0
0
0
0
0
0
0
0
0
0
0
No. of Loans Outstanding
0
0
0
0
0
0
0
0
0
0
0
0
0
US$ Average Loan Amount
0
0
0
0
0
0
0
0
0
0
0
0
0
% Arrears > 30 days
CountryProjectProject start dateNo. of loans grantedUS$ amount of loans grantedUS$ average loan amountUS$ amount of loans outstandingNo. of loans outstandingUS$ arrears > 30 daysArrears % > 30 daysUS$ average loan amount
1.3284
AlbaniaProCredit BankFeb-9900.00%0
BosniaProCredit BankNov-9700.00%0
BulgariaProCredit BankOct-0100.00%0
GeorgiaProCredit BankMay-9966417,5376,326643,8164481,437
KosovoProCredit BankFeb-0000.00%0
MacedoniaProCredit BankJul-03147321,7342,189830,2534290.00%1,935
MoldovaProCredit BankDec-9900.00%0
RomaniaProCredit BankMay-0100.00%0
RussiaKMBNov-9800
Serbia & MontenegroProCredit BankApr-0100.00%0
UkraineProCredit BankFeb-0100
AVERAGE3,4710.00%0
TOTAL213739,2711,474,0698770
285
68
53
354
714
801
74
2059
338
76
271
254
4318
Number of Loans Granted
2338206.29
67024.84
780908.67
2401601.50927576
5146608.32197883
3210090
275900
10696682
2294308.77266534
131602
805666
1084512.93145468
28478452.4574588
US$ Amount of Loans Granted
2338206.29
67024.84
780908.67
2401601.50927576
5146608.32197883
3210090
275900
10696682
2294308.77266534
131602
805666
1084512.93145468
28478452.4574588
+
US$ Amount Granted
285
68
53
354
714
801
74
2059
338
76
271
254
4318
No. of Loans Granted
20874902.89
110072.7
2577154.8
23373346.6093701
29112795.3044754
28771929
1676713
73386089
16602033.3298396
600322
4184328
10589825
194365035.985792
US$ Amount Outstanding
3135
103
287
4451
4909
7149
510
17411
3131
316
1111
2591
33785
No. of Loans Outstanding
8204.2325964912
985.6594117647
14734.1258490566
6784.1850544513
7208.1349047322
4007.6029962547
3728.3783783784
5195.0859640602
6787.8957771164
1731.6052631579
2972.9372693727
4269.735950609
6595.2877391058
US$ Average Loan Amount
0.0003189793
0.0097087379
0.0034843206
0.0002246686
0.0002037075
0.0001398797
0.0019607843
0.0063999999
0.0003193868
0
0.00090009
0.0003859514
0.0000295989
% Arrears > 30 days
5727964.0824
11787795.864
11075657.0112
6848840.9617
8183086.02
1112361.9984
516937
2974481.0208
28580553.4824
560654
BosniaUSD 11,787,796
Albania USD 5,727,964
UkraineUSD 560,654
BulgariaUSD 11,075,657
GeorgiaUSD 6,848,841
Kosovo USD 8,183,086
MacedoniaUSD 1,112,362
MoldovaUSD 516,937
RomaniaUSD 2,974,481
Serbia & MontenegroUSD 28,580,553
157386
68699
211100
225082
123512
Number of Loans disbursed to date as of end December 2004
800188024.352876
300177653.98
1387074492.51632
1914683190.10288
694638377.00055
Volume Disbursed to date as at end December 2004 (USD)
5096761737.95263
10820225.7664
Outstanding Portfolio as at end December 2004
CountryProjectStart DateNo. of loans grantedUS$ amount of loans grantedUS$ average loan amountUS$ amount of loans outstandingNo. of loans outstandingUS$ average loan amountUS$ arrears > 30 daysArrears % > 30 days
AlbaniaProCreditFeb-9925,919185,800,1477,16889,860,92713,7766,523746,2020.83%
ArmeniaSME Credit LineOct-025,26016,308,1203,1008,279,3603,7422,21300.00%
AzerbaijanMFBANov-026,71418,036,2272,6866,441,6732,5182,558102,3371.59%
BelarusMicro LendingApr-011,34022,772,90316,9953,759,60135510,5905,6890.15%
BosniaProCreditNov-9734,102170,982,1155,01468,307,56914,3954,745463,1120.68%
BulgariaProCreditOct-0140,355319,852,6697,926174,964,87319,7968,838618,6830.35%
CroatiaMikroPlusJul-0445193,8414,308150,793453,35120,62813.68%
GeorgiaProCreditMay-9946,108239,707,2385,19963,865,20112,5875,0741,176,9971.84%
GeorgiaSELPOct-0010,61726,126,0692,46111,548,2636,1541,87793,2340.81%
KazakhstanKSBPMay-98127,519742,739,6435,825251,018,55244,0815,694917,2320.37%
KosovoProCreditFeb-0023,594199,585,8838,45994,635,70711,2458,416629,8870.67%
Kyrgyz RepublicMSEFFApr-0214,40723,908,8281,66011,218,0768,7071,28812,1660.11%
MacedoniaProCreditJul-0310,26350,470,0884,91820,209,4197,4062,729184,0610.91%
MoldovaProCreditDec-9913,33639,042,9222,92812,580,7785,6842,21388,3750.70%
MongoliaKhan BankJul-04928589,906636445,60084352900.00%
RomaniaProCreditMay-0116,66693,130,4635,58861,198,16210,9215,604120,8460.20%
RomaniaBanca RomaneascaJul-032,31726,414,81811,40018,966,3992,1258,925135,4610.71%
RussiaRSBF (inc KMB)Aug-94225,0821,914,683,1908,507331,667,49545,8197,2392,693,9300.81%
Russia(KMB Only)Nov-98121,2911,007,208,1268,304258,335,18632,8777,8581,883,8610.73%
Serbia & MontenegroProCreditApr-0142,493294,125,6176,922151,988,10124,0896,3091,188,0350.78%
Serbia & MontenegroAlter ModusMar-041,0432,129,1812,0411,363,0651,0011,36253,4553.92%
Serbia & MontenegroOpportunity BankApr-049675,346,7485,5294,022,0908994,47436,7360.91%
TajikistanMSEFFOct-032,3526,144,2842,6122,542,6551,4221,78800.00%
UkraineUMLP (inc ProCredit)Sep-98122,172671,865,4745,499203,105,06249,1344,1341,501,5910.74%
Ukraine(ProCreditOnly)Feb-0147,139252,889,3515,36598,516,23421,0944,670830,8450.84%
UzbekistanJ-USBPApr-0112,18026,805,3642,2016,598,7334,3751,50838,2540.58%
AVERAGE6,4865,4920.68%
TOTAL785,7795,096,761,7381,598,738,155291,11910,826,910
Central AsiaKSBP, Kyrgyz, Tajik, Uzbek157,386800,188,024
CaucasusAzerbaijan, Georgia, Armenia68,699300,177,654
BalkansAlbania, Bulgaria, Bosnia, Kosovo, Macedonia, Moldova, Croatia, Serbia & Montenegro, Romania211,1001,387,074,493
Russia225,0821,914,683,190
Ukraine + Belarus123,512694,638,377
Other Sectors5,096,761,738
Agrocultural Loans10,820,226
CountryProjectProject start dateNo. of loans grantedUS$ amount of loans grantedUS$ average loan amountUS$ amount of loans outstandingNo. of loans outstandingUS$ arrears > 30 daysArrears % > 30 daysUS$ average loan amount1.3648
AlbaniaProCredit BankFeb-99175779,0474,4528,051,1911,3980.00%5,759
BosniaProCredit BankNov-978641,938,1702,24311,577,7845,0050.00%2,313
BulgariaProCredit BankOct-0185995,91911,7177,330,6417960.00%9,209
GeorgiaProCredit BankMay-9950228,1234,5626,848,8417519,120
KosovoProCredit BankFeb-003761,228,8113,2688,345,5722,9270.00%2,851
MacedoniaProCredit BankJul-03139223,9471,6111,024,1805650.00%1,813
MoldovaProCredit BankDec-99149182,6261,226472,9594110.00%1,151
RomaniaProCredit BankMay-0189459,7105,1652,302,2304090.00%5,629
RussiaKMBNov-9800
Serbia & MontenegroProCredit BankApr-018274,673,8265,65228,407,7437,5120.00%3,782
UkraineProCredit BankFeb-0111110,04610,004436,0931054,153
AVERAGE3,9130.00%3,763
TOTAL2,76510,820,22674,797,23419,8790
&C&"Times New Roman,Regular"EBRD - Group for Small Business
Agro Loans
December 2005 Only
285
68
53
354
714
801
74
2059
338
76
271
254
4318
Number of Loans Granted
2338206.29
67024.84
780908.67
2401601.50927576
5146608.32197883
3210090
275900
10696682
2294308.77266534
131602
805666
1084512.93145468
28478452.4574588
US$ Amount of Loans Granted
2338206.29
67024.84
780908.67
2401601.50927576
5146608.32197883
3210090
275900
10696682
2294308.77266534
131602
805666
1084512.93145468
28478452.4574588
+
US$ Amount Granted
285
68
53
354
714
801
74
2059
338
76
271
254
4318
No. of Loans Granted
20874902.89
110072.7
2577154.8
23373346.6093701
29112795.3044754
28771929
1676713
73386089
16602033.3298396
600322
4184328
10589825
194365035.985792
US$ Amount Outstanding
3135
103
287
4451
4909
7149
510
17411
3131
316
1111
2591
33785
No. of Loans Outstanding
8204.2325964912
985.6594117647
14734.1258490566
6784.1850544513
7208.1349047322
4007.6029962547
3728.3783783784
5195.0859640602
6787.8957771164
1731.6052631579
2972.9372693727
4269.735950609
6595.2877391058
US$ Average Loan Amount
0.0003189793
0.0097087379
0.0034843206
0.0002246686
0.0002037075
0.0001398797
0.0019607843
0.0063999999
0.0003193868
0
0.00090009
0.0003859514
0.0000295989
% Arrears > 30 days
CountryProjectProject start dateNo. of loans grantedUS$ amount of loans grantedUS$ average loan amountUS$ amount of loans outstandingNo. of loans outstandingUS$ arrears > 30 daysArrears % > 30 daysUS$ average loan amount
1.3032
AlbaniaProCredit BankFeb-9999310,8333,1405,727,9641,0150.00%5,643
BosniaProCredit BankNov-976991,484,1522,12311,787,7965,5890.00%2,109
BulgariaProCredit BankOct-0178619,0497,93711,075,6578320.00%13,312
GeorgiaProCredit BankMay-9950228,1234,5626,848,8417519,120
KosovoProCredit BankFeb-003111,005,5323,2338,183,0863,0370.00%2,694
MacedoniaProCredit BankJul-03114197,9041,7361,112,3626730.00%1,653
MoldovaProCredit BankDec-9910197,192962516,9374730.00%1,093
RomaniaProCredit BankMay-01148744,0375,0272,974,4815450.00%5,458
RussiaKMBNov-9800
Serbia & MontenegroProCredit BankApr-017602,373,9183,12428,580,5537,9270.00%3,605
UkraineProCredit BankFeb-0112151,31312,609560,6541144,918
AVERAGE3,0400.00%3,692
TOTAL2,3727,212,05377,368,33120,9560
&C&"Times New Roman,Regular"&12EBRD - Group for Small Business
Agricultural Micro and Small Lending
January 2005 Only
285
68
53
354
714
801
74
2059
338
76
271
254
4318
Number of Loans Granted
2338206.29
67024.84
780908.67
2401601.50927576
5146608.32197883
3210090
275900
10696682
2294308.77266534
131602
805666
1084512.93145468
28478452.4574588
US$ Amount of Loans Granted
2338206.29
67024.84
780908.67
2401601.50927576
5146608.32197883
3210090
275900
10696682
2294308.77266534
131602
805666
1084512.93145468
28478452.4574588
+
US$ Amount Granted
285
68
53
354
714
801
74
2059
338
76
271
254
4318
No. of Loans Granted
20874902.89
110072.7
2577154.8
23373346.6093701
29112795.3044754
28771929
1676713
73386089
16602033.3298396
600322
4184328
10589825
194365035.985792
US$ Amount Outstanding
3135
103
287
4451
4909
7149
510
17411
3131
316
1111
2591
33785
No. of Loans Outstanding
8204.2325964912
985.6594117647
14734.1258490566
6784.1850544513
7208.1349047322
4007.6029962547
3728.3783783784
5195.0859640602
6787.8957771164
1731.6052631579
2972.9372693727
4269.735950609
6595.2877391058
US$ Average Loan Amount
0.0003189793
0.0097087379
0.0034843206
0.0002246686
0.0002037075
0.0001398797
0.0019607843
0.0063999999
0.0003193868
0
0.00090009
0.0003859514
0.0000295989
% Arrears > 30 days
-
Outstanding Portfolio (to end December 2004)
Grand Total
CountryProjectProject start dateNo. of loans grantedUS$ amount of loans grantedUS$ average loan amountUS$ amount of loans outstandingNo. of loans outstandingUS$ arrears > 30 daysArrears % > 30 daysUS$ average loan amount1.3032
AlbaniaProCredit BankFeb-990.00%
AzerbaijanMFBANov-02
BosniaProCredit BankNov-970.00%
BulgariaProCredit BankOct-010.00%
GeorgiaProCredit BankMay-99
KosovoProCredit BankFeb-000.00%
MacedoniaProCredit BankJul-030.00%
MoldovaProCredit BankDec-990.00%
RomaniaProCredit BankMay-010.00%
RussiaKMBNov-98
Serbia & MontenegroProCredit BankApr-010.00%
UkraineProCredit BankFeb-01
AVERAGE00.00%0
TOTAL00000
Grand Total
285
68
53
354
714
801
74
2059
338
76
271
254
4318
Number of Loans Granted
Sept
2338206.29
67024.84
780908.67
2401601.50927576
5146608.32197883
3210090
275900
10696682
2294308.77266534
131602
805666
1084512.93145468
28478452.4574588
US$ Amount of Loans Granted
Oct
2338206.29
67024.84
780908.67
2401601.50927576
5146608.32197883
3210090
275900
10696682
2294308.77266534
131602
805666
1084512.93145468
28478452.4574588
+
US$ Amount Granted
Nov
285
68
53
354
714
801
74
2059
338
76
271
254
4318
No. of Loans Granted
Agro Out%
20874902.89
110072.7
2577154.8
23373346.6093701
29112795.3044754
28771929
1676713
73386089
16602033.3298396
600322
4184328
10589825
194365035.985792
US$ Amount Outstanding
# Disbursed
3135
103
287
4451
4909
7149
510
17411
3131
316
1111
2591
33785
No. of Loans Outstanding
$ Disbursed
8204.2325964912
985.6594117647
14734.1258490566
6784.1850544513
7208.1349047322
4007.6029962547
3728.3783783784
5195.0859640602
6787.8957771164
1731.6052631579
2972.9372693727
4269.735950609
6595.2877391058
US$ Average Loan Amount
Agro v Other Outstanding
0.0003189793
0.0097087379
0.0034843206
0.0002246686
0.0002037075
0.0001398797
0.0019607843
0.0063999999
0.0003193868
0
0.00090009
0.0003859514
0.0000295989
% Arrears > 30 days
Grand Total Dec
CountryProjectProject start dateNo. of loans grantedUS$ amount of loans grantedUS$ average loan amountUS$ amount of loans outstandingNo. of loans outstandingUS$ arrears > 30 daysArrears % > 30 daysUS$ average loan amount
1.2415
AlbaniaProCredit BankFeb-9900.00%0
BosniaProCredit BankNov-9700.00%0
BulgariaProCredit BankOct-0100.00%0
GeorgiaProCredit BankMay-9900
KosovoProCredit BankFeb-0000.00%0
MacedoniaProCredit BankJul-0300.00%0
MoldovaProCredit BankDec-9900.00%0
RomaniaProCredit BankMay-0100.00%0
RussiaKMBNov-9800
Serbia & MontenegroProCredit BankApr-0100.00%0
UkraineProCredit BankFeb-0100
AVERAGE00.00%0
TOTAL00000
Grand Total Dec
0
0
0
0
0
0
0
0
0
0
0
0
0
Number of Loans Granted
Dec
0
0
0
0
0
0
0
0
0
0
0
0
0
US$ Amount of Loans Granted
Jan
0
0
0
0
0
0
0
0
0
0
0
0
0
+
US$ Amount Granted
0
0
0
0
0
0
0
0
0
0
0
0
0
No. of Loans Granted
0
0
0
0
0
0
0
0
0
0
0
0
0
US$ Amount Outstanding
0
0
0
0
0
0
0
0
0
0
0
0
0
No. of Loans Outstanding
0
0
0
0
0
0
0
0
0
0
0
0
0
US$ Average Loan Amount
0
0
0
0
0
0
0
0
0
0
0
0
0
% Arrears > 30 days
CountryProjectProject start dateNo. of loans grantedUS$ amount of loans grantedUS$ average loan amountUS$ amount of loans outstandingNo. of loans outstandingUS$ arrears > 30 daysArrears % > 30 daysUS$ average loan amount
1.272
AlbaniaProCredit BankFeb-9900.00%0
BosniaProCredit BankNov-9700.00%0
BulgariaProCredit BankOct-0100.00%0
GeorgiaProCredit BankMay-9972125,9761,750603,9424181,445
KosovoProCredit BankFeb-0000.00%0
MacedoniaProCredit BankJul-03106198,1241,869526,2262860.00%1,840
MoldovaProCredit BankDec-9900.00%0
RomaniaProCredit BankMay-0100.00%0
RussiaKMBNov-9800
Serbia & MontenegroProCredit BankApr-0100.00%0
UkraineProCredit BankFeb-0100
AVERAGE1,8210.00%0
TOTAL178324,1001,130,1687040
0
0
0
0
0
0
0
0
0
0
0
0
0
Number of Loans Granted
0
0
0
0
0
0
0
0
0
0
0
0
0
US$ Amount of Loans Granted
0
0
0
0
0
0
0
0
0
0
0
0
0
+
US$ Amount Granted
0
0
0
0
0
0
0
0
0
0
0
0
0
No. of Loans Granted
0
0
0
0
0
0
0
0
0
0
0
0
0
US$ Amount Outstanding
0
0
0
0
0
0
0
0
0
0
0
0
0
No. of Loans Outstanding
0
0
0
0
0
0
0
0
0
0
0
0
0
US$ Average Loan Amount
0
0
0
0
0
0
0
0
0
0
0
0
0
% Arrears > 30 days
CountryProjectProject start dateNo. of loans grantedUS$ amount of loans grantedUS$ average loan amountUS$ amount of loans outstandingNo. of loans outstandingUS$ arrears > 30 daysArrears % > 30 daysUS$ average loan amount
1.3284
AlbaniaProCredit BankFeb-9900.00%0
BosniaProCredit BankNov-9700.00%0
BulgariaProCredit BankOct-0100.00%0
GeorgiaProCredit BankMay-9966417,5376,326643,8164481,437
KosovoProCredit BankFeb-0000.00%0
MacedoniaProCredit BankJul-03147321,7342,189830,2534290.00%1,935
MoldovaProCredit BankDec-9900.00%0
RomaniaProCredit BankMay-0100.00%0
RussiaKMBNov-9800
Serbia & MontenegroProCredit BankApr-0100.00%0
UkraineProCredit BankFeb-0100
AVERAGE3,4710.00%0
TOTAL213739,2711,474,0698770
285
68
53
354
714
801
74
2059
338
76
271
254
4318
Number of Loans Granted
2338206.29
67024.84
780908.67
2401601.50927576
5146608.32197883
3210090
275900
10696682
2294308.77266534
131602
805666
1084512.93145468
28478452.4574588
US$ Amount of Loans Granted
2338206.29
67024.84
780908.67
2401601.50927576
5146608.32197883
3210090
275900
10696682
2294308.77266534
131602
805666
1084512.93145468
28478452.4574588
+
US$ Amount Granted
285
68
53
354
714
801
74
2059
338
76
271
254
4318
No. of Loans Granted
20874902.89
110072.7
2577154.8
23373346.6093701
29112795.3044754
28771929
1676713
73386089
16602033.3298396
600322
4184328
10589825
194365035.985792
US$ Amount Outstanding
3135
103
287
4451
4909
7149
510
17411
3131
316
1111
2591
33785
No. of Loans Outstanding
8204.2325964912
985.6594117647
14734.1258490566
6784.1850544513
7208.1349047322
4007.6029962547
3728.3783783784
5195.0859640602
6787.8957771164
1731.6052631579
2972.9372693727
4269.735950609
6595.2877391058
US$ Average Loan Amount
0.0003189793
0.0097087379
0.0034843206
0.0002246686
0.0002037075
0.0001398797
0.0019607843
0.0063999999
0.0003193868
0
0.00090009
0.0003859514
0.0000295989
% Arrears > 30 days
5727964.0824
11787795.864
11075657.0112
6848840.9617
8183086.02
1112361.9984
516937
2974481.0208
28580553.4824
560654
Agricultural Loans - Volume of Loans Outstanding as at end Dec'04 in USD
157386
68699
211100
225082
123512
Number of Loans disbursed to date as of end December 2004
800188024.352876
300177653.98
1387074492.51632
1914683190.10288
694638377.00055
Volume Disbursed to date as at end December 2004 (USD)
5096761737.95263
10820225.7664
Other SectorsUSD 5,096,761,738
Agrocultural Loans, USD 10,820,226
CountryProjectStart DateNo. of loans grantedUS$ amount of loans grantedUS$ average loan amountUS$ amount of loans outstandingNo. of loans outstandingUS$ average loan amountUS$ arrears > 30 daysArrears % > 30 days
AlbaniaProCreditFeb-9925,919185,800,1477,16889,860,92713,7766,523746,2020.83%
ArmeniaSME Credit LineOct-025,26016,308,1203,1008,279,3603,7422,21300.00%
AzerbaijanMFBANov-026,71418,036,2272,6866,441,6732,5182,558102,3371.59%
BelarusMicro LendingApr-011,34022,772,90316,9953,759,60135510,5905,6890.15%
BosniaProCreditNov-9734,102170,982,1155,01468,307,56914,3954,745463,1120.68%
BulgariaProCreditOct-0140,355319,852,6697,926174,964,87319,7968,838618,6830.35%
CroatiaMikroPlusJul-0445193,8414,308150,793453,35120,62813.68%
GeorgiaProCreditMay-9946,108239,707,2385,19963,865,20112,5875,0741,176,9971.84%
GeorgiaSELPOct-0010,61726,126,0692,46111,548,2636,1541,87793,2340.81%
KazakhstanKSBPMay-98127,519742,739,6435,825251,018,55244,0815,694917,2320.37%
KosovoProCreditFeb-0023,594199,585,8838,45994,635,70711,2458,416629,8870.67%
Kyrgyz RepublicMSEFFApr-0214,40723,908,8281,66011,218,0768,7071,28812,1660.11%
MacedoniaProCreditJul-0310,26350,470,0884,91820,209,4197,4062,729184,0610.91%
MoldovaProCreditDec-9913,33639,042,9222,92812,580,7785,6842,21388,3750.70%
MongoliaKhan BankJul-04928589,906636445,60084352900.00%
RomaniaProCreditMay-0116,66693,130,4635,58861,198,16210,9215,604120,8460.20%
RomaniaBanca RomaneascaJul-032,31726,414,81811,40018,966,3992,1258,925135,4610.71%
RussiaRSBF (inc KMB)Aug-94225,0821,914,683,1908,507331,667,49545,8197,2392,693,9300.81%
Russia(KMB Only)Nov-98121,2911,007,208,1268,304258,335,18632,8777,8581,883,8610.73%
Serbia & MontenegroProCreditApr-0142,493294,125,6176,922151,988,10124,0896,3091,188,0350.78%
Serbia & MontenegroAlter ModusMar-041,0432,129,1812,0411,363,0651,0011,36253,4553.92%
Serbia & MontenegroOpportunity BankApr-049675,346,7485,5294,022,0908994,47436,7360.91%
TajikistanMSEFFOct-032,3526,144,2842,6122,542,6551,4221,78800.00%
UkraineUMLP (inc ProCredit)Sep-98122,172671,865,4745,499203,105,06249,1344,1341,501,5910.74%
Ukraine(ProCreditOnly)Feb-0147,139252,889,3515,36598,516,23421,0944,670830,8450.84%
UzbekistanJ-USBPApr-0112,18026,805,3642,2016,598,7334,3751,50838,2540.58%
AVERAGE6,4865,4920.68%
TOTAL785,7795,096,761,7381,598,738,155291,11910,826,910
Central AsiaKSBP, Kyrgyz, Tajik, Uzbek157,386800,188,024
CaucasusAzerbaijan, Georgia, Armenia68,699300,177,654
BalkansAlbania, Bulgaria, Bosnia, Kosovo, Macedonia, Moldova, Croatia, Serbia & Montenegro, Romania211,1001,387,074,493
Russia225,0821,914,683,190
Ukraine + Belarus123,512694,638,377
Other Sectors5,096,761,738
Agrocultural Loans10,820,226
CountryProjectProject start dateNo. of loans grantedUS$ amount of loans grantedUS$ average loan amountUS$ amount of loans outstandingNo. of loans outstandingUS$ arrears > 30 daysArrears % > 30 daysUS$ average loan amount1.3648
AlbaniaProCredit BankFeb-99175779,0474,4528,051,1911,3980.00%5,759
BosniaProCredit BankNov-978641,938,1702,24311,577,7845,0050.00%2,313
BulgariaProCredit BankOct-0185995,91911,7177,330,6417960.00%9,209
GeorgiaProCredit BankMay-9950228,1234,5626,848,8417519,120
KosovoProCredit BankFeb-003761,228,8113,2688,345,5722,9270.00%2,851
MacedoniaProCredit BankJul-03139223,9471,6111,024,1805650.00%1,813
MoldovaProCredit BankDec-99149182,6261,226472,9594110.00%1,151
RomaniaProCredit BankMay-0189459,7105,1652,302,2304090.00%5,629
RussiaKMBNov-9800
Serbia & MontenegroProCredit BankApr-018274,673,8265,65228,407,7437,5120.00%3,782
UkraineProCredit BankFeb-0111110,04610,004436,0931054,153
AVERAGE3,9130.00%3,763
TOTAL2,76510,820,22674,797,23419,8790
&C&"Times New Roman,Regular"EBRD - Group for Small Business
Agro Loans
December 2005 Only
285
68
53
354
714
801
74
2059
338
76
271
254
4318
Number of Loans Granted
2338206.29
67024.84
780908.67
2401601.50927576
5146608.32197883
3210090
275900
10696682
2294308.77266534
131602
805666
1084512.93145468
28478452.4574588
US$ Amount of Loans Granted
2338206.29
67024.84
780908.67
2401601.50927576
5146608.32197883
3210090
275900
10696682
2294308.77266534
131602
805666
1084512.93145468
28478452.4574588
+
US$ Amount Granted
285
68
53
354
714
801
74
2059
338
76
271
254
4318
No. of Loans Granted
20874902.89
110072.7
2577154.8
23373346.6093701
29112795.3044754
28771929
1676713
73386089
16602033.3298396
600322
4184328
10589825
194365035.985792
US$ Amount Outstanding
3135
103
287
4451
4909
7149
510
17411
3131
316
1111
2591
33785
No. of Loans Outstanding
8204.2325964912
985.6594117647
14734.1258490566
6784.1850544513
7208.1349047322
4007.6029962547
3728.3783783784
5195.0859640602
6787.8957771164
1731.6052631579
2972.9372693727
4269.735950609
6595.2877391058
US$ Average Loan Amount
0.0003189793
0.0097087379
0.0034843206
0.0002246686
0.0002037075
0.0001398797
0.0019607843
0.0063999999
0.0003193868
0
0.00090009
0.0003859514
0.0000295989
% Arrears > 30 days
CountryProjectProject start dateNo. of loans grantedUS$ amount of loans grantedUS$ average loan amountUS$ amount of loans outstandingNo. of loans outstandingUS$ arrears > 30 daysArrears % > 30 daysUS$ average loan amount
1.3032
AlbaniaProCredit BankFeb-9999310,8333,1405,727,9641,0150.00%5,643
BosniaProCredit BankNov-976991,484,1522,12311,787,7965,5890.00%2,109
BulgariaProCredit BankOct-0178619,0497,93711,075,6578320.00%13,312
GeorgiaProCredit BankMay-9950228,1234,5626,848,8417519,120
KosovoProCredit BankFeb-003111,005,5323,2338,183,0863,0370.00%2,694
MacedoniaProCredit BankJul-03114197,9041,7361,112,3626730.00%1,653
MoldovaProCredit BankDec-9910197,192962516,9374730.00%1,093
RomaniaProCredit BankMay-01148744,0375,0272,974,4815450.00%5,458
RussiaKMBNov-9800
Serbia & MontenegroProCredit BankApr-017602,373,9183,12428,580,5537,9270.00%3,605
UkraineProCredit BankFeb-0112151,31312,609560,6541144,918
AVERAGE3,0400.00%3,692
TOTAL2,3727,212,05377,368,33120,9560
&C&"Times New Roman,Regular"&12EBRD - Group for Small Business
Agricultural Micro and Small Lending
January 2005 Only
285
68
53
354
714
801
74
2059
338
76
271
254
4318
Number of Loans Granted
2338206.29
67024.84
780908.67
2401601.50927576
5146608.32197883
3210090
275900
10696682
2294308.77266534
131602
805666
1084512.93145468
28478452.4574588
US$ Amount of Loans Granted
2338206.29
67024.84
780908.67
2401601.50927576
5146608.32197883
3210090
275900
10696682
2294308.77266534
131602
805666
1084512.93145468
28478452.4574588
+
US$ Amount Granted
285
68
53
354
714
801
74
2059
338
76
271
254
4318
No. of Loans Granted
20874902.89
110072.7
2577154.8
23373346.6093701
29112795.3044754
28771929
1676713
73386089
16602033.3298396
600322
4184328
10589825
194365035.985792
US$ Amount Outstanding
3135
103
287
4451
4909
7149
510
17411
3131
316
1111
2591
33785
No. of Loans Outstanding
8204.2325964912
985.6594117647
14734.1258490566
6784.1850544513
7208.1349047322
4007.6029962547
3728.3783783784
5195.0859640602
6787.8957771164
1731.6052631579
2972.9372693727
4269.735950609
6595.2877391058
US$ Average Loan Amount
0.0003189793
0.0097087379
0.0034843206
0.0002246686
0.0002037075
0.0001398797
0.0019607843
0.0063999999
0.0003193868
0
0.00090009
0.0003859514
0.0000295989
% Arrears > 30 days
-
Main Lessons:Economic impact is substantial on regional/national basis, but only if large number of enterprises reached rather than token levels
Financial viability of Micro and Small lending for partner institutions requires critical mass, i.e. volume and efficiency needed for these transactions to make good business sense
Know-how to fill finance gap exists - there is a model that works
Factors that limit or unleash impact:
TA availability for institution buildingConsultant QualityLegal regulatory environment: key impediments must be tackledCannot totally rely on existing banks (design innovation needed). In some cases the creation of a Greenfield bank dedicated to MSE finance is required (for example, KMB in Russia)
-
Next Steps for MSE lending programmesIncrease rural lending and village outreachFarm Lending specialised loan officers Push extremes express micro loans and longer term fixed asset loans as borrowers growPartner Banks: continue to include new banks as long as sufficient TA is available (a long-term proposition). Mature partners to continue business without consultants (80% of branches have graduated)MSE banks - increase deposit mobilisation and gain independence from IFIs; diversify creditors; widen branch networks, increase financial services for the poorLoan officers in Kyrgyz Republic solve transport problems in rural areas by using bicycles
-
ProCredit Bank Serbia
-
IntroductionProCredit Bank Serbia (former MFB) started in March 2002Now operating through 28 branches Faculty of Agriculture, Novi SadGreat potentials in Vojvodina Novi Sad-training and database centreAgriculture-long tradition in VojvodinaVojvodina-regions
-
Agriculture21% of GDP, second only to manufacturing (24%)25% of GDP together with associated food and beverage products44% of population lives in rural areas, a third of whom rely wholy, or in part, on agriculture for their livelihoods
-
Agriculture17% of total exports are agri products, processed food, beverages, and tobacco products.Agriculture producers: private farmers, Agro Kombinats (460) and co- operatives (400)Private farmers own 83% of the 3.35 mill. ha of arable land. The average farm is 2- 5 ha, usualy in several plots3% of land is irrigated
-
Variety of Agricultural ProductionVegetables/CropsFruits/CropsVegetables/HogsHogs/CropsHerbsCows/CropsCrops
-
Crop Year
-
Agro Credit TechnologyAgricultural analysis
Chart2
25
25
25
25
Sheet1
CROP YEAR
Revenues
Soybean,Sunflower,CornSugar BeatBarleyWheat
SeptemberOctoberNovemberDecemberJanuaryFebruaryMarchAprilJunJulyAugust
Wheat,BarleyCorn,Soybean,Sunflower,Sugar Beat
Investment period
January0.098
February0.098
March0.1
April0.1
May0.11
Jun0.11
July0.12
August0.13
September0.14
October0.09
November0.09
December0.09
Technological Maps25
Financial resume25
Income statement25
Cash flow25
Sheet1
0
0
0
0
0
0
0
0
0
0
0
0
Sheet2
0
0
0
0
Sheet3
-
Technological mapLists all necessary operationsGives the timing for these operationsIncludes all expenses (seed, fertilizers, fuel)Map has two sectionsCommentWe have about 40 mapsMaps for cattle breeding
-
Financial resumeA continuation of the technological mapIts role is to sum up the expenses listed in the technological mapThe financial resume does not include yields eaten by animalsSerbian Chamber of CommerceStock exchange
-
Risk in Agriculture
-
Agriculture perspectivePrivatisation and restructuring of AK and agro-processorsLand restitution and strengthen land marketsRejuvanate food marketing chainRehabiltate drainage canalsRegional developmentRural finance
-
Business Loans Outstanding number
-
Business Loans Outstanding volume
-
Number of Agri Loans Disbursed By Branches
-
Volume of Agri Loans Disbursed By BranchesEUR
-
Agri Loans Outstanding - in volume
Chart2
7077
3337
133
Sheet1
CROP YEAR
Revenues
Soybean,Sunflower,CornSugar BeatBarleyWheat
SeptemberOctoberNovemberDecemberJanuaryFebruaryMarchAprilJunJulyAugust
Wheat,BarleyCorn,Soybean,Sunflower,Sugar Beat
Investment period
January0.098
February0.098
March0.1
April0.1
May0.11
Jun0.11
July0.12
August0.13
September0.14
October0.09
November0.09
December0.09
Technological Maps25
Financial resume25
Income statement25
Cash flow25
PRODUCER
FOODPROCESING COMPANY
LOCAL COOPERATIVE
PROCREDIT BANK
PRODUCER
FOODPROCESING COMPANY
LOCAL COOPERATIVE
up to 10.000 eur1744
up to 50.000 eur182
over 50.000 eur3
up to 10.000 eur7077
up to 50.000 eur3337
over 50.000 eur133
up to 12 months1296
up to 24 months416
up to 36 months217
up to 12 months1650
up to 24 months1837
up to 36 months2838
Sheet1
0
0
0
0
0
0
0
0
0
0
0
0
Sheet2
0
0
0
0
Sheet3
0
0
0
0
0
0
0
0
0
0
0
0
-
Agro Loans Outstanding- in numbers
Chart1
3426
223
2
Sheet1
CROP YEAR
Revenues
Soybean,Sunflower,CornSugar BeatBarleyWheat
SeptemberOctoberNovemberDecemberJanuaryFebruaryMarchAprilJunJulyAugust
Wheat,BarleyCorn,Soybean,Sunflower,Sugar Beat
Investment period
January0.098
February0.098
March0.1
April0.1
May0.11
Jun0.11
July0.12
August0.13
September0.14
October0.09
November0.09
December0.09
Technological Maps25
Financial resume25
Income statement25
Cash flow25
PRODUCER
FOODPROCESING COMPANY
LOCAL COOPERATIVE
PROCREDIT BANK
PRODUCER
FOODPROCESING COMPANY
LOCAL COOPERATIVE
up to 10.000 eur3426
up to 50.000 eur223
over 50.000 eur2
up to 10.000 eur3430
up to 50.000 eur2670
over 50.000 eur224
up to 12 months1296
up to 24 months416
up to 36 months217
up to 12 months1650
up to 24 months1837
up to 36 months2838
Sheet1
0
0
0
0
0
0
0
0
0
0
0
0
Sheet2
0
0
0
0
Sheet3
0
0
0
0
0
0
0
0
0
0
0
0
-
Agro Loans Outstanding-By Maturity (Volume)
Chart4
21387966.05
43739212.44
22988339.69
22927055.29
Sheet1
CROP YEAR
Revenues
Soybean,Sunflower,CornSugar BeatBarleyWheat
SeptemberOctoberNovemberDecemberJanuaryFebruaryMarchAprilJunJulyAugust
Wheat,BarleyCorn,Soybean,Sunflower,Sugar Beat
Investment period
January0.098
February0.098
March0.1
April0.1
May0.11
Jun0.11
July0.12
August0.13
September0.14
October0.09
November0.09
December0.09
Technological Maps25
Financial resume25
Income statement25
Cash flow25
PRODUCER
FOODPROCESING COMPANY
LOCAL COOPERATIVE
PROCREDIT BANK
PRODUCER
FOODPROCESING COMPANY
LOCAL COOPERATIVE
up to 10.000 eur1744
up to 50.000 eur182
over 50.000 eur3
up to 10.000 eur3430
up to 50.000 eur2670
over 50.000 eur224
up to 12 mth11434
up to 24 mth9975
up to 36 mth1841
over 36 mth807
up to 12 mth21387966.05
up to 24 mth43739212.44
up to 36 mth22988339.69
over 36 mth22927055.29
Sheet1
0
0
0
0
0
0
0
0
0
0
0
0
Sheet2
0
0
0
0
Sheet3
0
0
0
0
0
0
0
0
0
0
0
0
0
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