ProCredit Bank ProCredit Bank

October 2005October 2005

Our Our ShareholdersShareholders

20%

11.25%

11.25%

32.50%

25,0%

The international The international network of ProCredit network of ProCredit Institutions Institutions

• No. of account

ProCredit BankProCredit Bank

in South East in South East EuropeEurope

Albania

Serbia and

MontenegroBosnja

Moldavia

Rumania

Gjeorgjia

Ukraina

Bullgaria

Maqedonia

Kosova

ProCredit at the ProCredit at the international networkinternational network

Of 19 financial institutions

With a total assets of 1.5 billion EUR

Serve more than 770,000 customers

The number of the borrowers is 420.000

The loan portfolio 950 million EUR

The deposit volume 800 million Euro

The number of the staff is 7.000

The number of the branches is 300

Mission StatementMission Statement

ProCredit Bank is….

• A development-oriented full-service bank

• Offers a wide range of banking products

• Lending to SME Large number of jobs Vital contribution to economies

• Explicitly avoids all speculative lines of business

• Extensive training of staff Friendly and competent services Enjoyable and efficient working atmosphere • Shareholders Expects sustainable ROI No interest in short-term profit maximization

Branches Branches NetworkNetwork

rrethe ku kemi degerrethe ku kemi dege

rrethe qe mbulojme me rrethe qe mbulojme me sherbimet tonasherbimet tona

Tirana 1 – Tirana e ReTirana 1 – Tirana e ReTirana 2 – tek Tregu I LireTirana 2 – tek Tregu I LireTirana 3 – prane Muzeut KombetarTirana 3 – prane Muzeut KombetarTirana 4 – Laprake, tek Blloku GintashTirana 4 – Laprake, tek Blloku GintashDurres 1- Durres 2Durres 1- Durres 2FierFierKorceKorceShkoderShkoderElbasanElbasanVloreVloreLezheLezheBeratBeratSarandeSarandeBilishtBilishtLushnjeLushnjePogradecPogradecGjirokastra- ne fund te vititGjirokastra- ne fund te vitit

OverviewOverview

Capital 18,017,135.72

Assets 185,091,418.74

Gross Loan Portfolio 82,897,989.06

Customer Deposits 148,499,068.85

Profit in 2004 1,274,242.74

Number of Clients 74,932

Number of branches 16

Number of staff 436

ProEkspres within 24 hours up to 300.000 All

ProLikuid business overdraft,

salary overdraft, consumer overdraft

ProMikro up to 1’300’000 All

ProAgro agriculture loan

ProBiznes from 10.000 – 2.8 milion Euro

Loan ProductsLoan Products

ProConsum consumer loan

ProHouse housing loan

Banking Services

Accounts and PaymentsCurrent accounts

no minimum deposit required; Time deposits

minimum 100Euro/USD or 10.000leke; maturity until 5 years; competition interest rates

Savings accounts you earn interest and you have access any time in your account. No

minimum deposit requiredNational and International Transfers

Wire transfers locally and internationally through our 16 branch network

Within Pro Credit Network Payments within a day.Card Business International Debit and Credit Cards

MasterCard, Maestro, Visa Electron and Visa Classic POS network of ProCredit Bank 300 in the biggest cities

` ATM network 26Other services and productsSalary Processing

Institutions can pay their local and international employees threw ProCredit Bank at no charge

Foreign currency exchange Euro, USD against Lek and against each other

Except Money Transfer Orders by faxNo additional charge

Trade Finance Product-Letter of Credit-Bank Guarantees-Documentary Collection