Made by: Onofrei Sabina ASEM FB 29GProfessor:PhD Munca Daniela

History of EximBank

was created by the Decree of the President of the Republic of Moldova January 10, 1994;

on the basis of the Moldavian branch of "Vneşeconombank"of the USSR;

It later became the foreign currency transactions department of the National Bank of Moldova;

The official date of birth : April 29, 1994; more than 34 263 clients;

On May 15, 2006 EXIMBANK became a member of Veneto Banca Group ;100% foreign capital;Provides : a traditional range of bank services ; operations with bank cards; products based on Internet technologies;

is one of the participants of the Fund for Guaranteeing Deposits in the banking system;

18 Branches and 22 Representatives Offices in the country;

Bank’s policy on management of

risk

Bank’s policy on management of riskJSCB "EXIMBANK-Gruppo Veneto Banca" performs its activity within the framework of the consolidated control system of risk management based on the use of the general principles accepted in international banking practice.

Five basic elements of the system:

The first element is the method of estimation of credit risk.

The second element is the procedure of decision-making on carrying out of the bearing risks assets operations.

The third element of the system is establishing limits on the risk bearing operations.

The fourth element of the system is monitoring the observance of the established limits.

The fifth element of the system is creation of sufficient reserves for covering possible losses of the transactions of the Bank.

EximBank

CitiBank N.A.

COMMERZBANK A.G.

VTB BANK (DEUTSCHLAND) AG

VENETO BANCA HOLDING

INTESA SANPAOLO S.P.A.

PRIVATBANK

BELGAZPROMBANK

SAVINGS BANK OF RUSSIAN FEDERATION

Services and banking cards

Services for individuals

Deposits

Foreign exchange transfers

"Conto Senza Frontiere"

Consumer crediting

Banking Cards

Operations with securities

Operations with cheques

Safe deposit boxes

Cash collection services

DEPOSITS

Time-deposits from 1 month to 36 months (in MDL, US dollars, EURO) Minimum amount of deposit - 5000 MDL, 500 US dollars, 500 EURO; Monthly interest payment. Floating interest rates, % mounth.(~1,5%)

The time-deposit account allowing replenishment of the account (in MDL, US dollars, EURO)Floating interest rates,%annual(~14%)The minimum amount of the deposit is 5000 MDL, 500 US dollars, 500 EURO; Deposit terms - 6 months and 12 months; The minimum amount of the replenishment is 1000 MDL, 100 US dollars, 100 EURO; Quarterly interest payment; Possibility of account replenishment during the first 4 months for the 6 month deposits and during the first 9 months for the 12 month deposits.

“AVANTAJOS” DepositDeposit term - 60 months The minimum amount of the deposit is 5000 MDL, 500 US dollars, 500 EURO

Monthly interest payment Interest rate could be changed on January 1st and July 1st each year max. variation: MDL (±1%), EURO, USD (±0,5%)

Possibility of withdrawal up to 25% of the deposit amount twice per year, from January 5 to January 20 and June 5 to June 20 every year ;Minimum amount of the deposit can not be less than total amount of the paid interests;

Interest rate(annual):MDL-20,5% EURO-10,00% US dollar- 10,25%

"Universal“DEPOSITTHE TIME-DEPOSIT "UNIVERSAL" ALLOWING ADDITIONAL REPLENISHMENT AND PARTIAL WITHDRAWAL FROM ACCOUNT (IN MDL, US DOLLARS, EURO)

The minimum amounts of the deposit is 5000 MDL, 500 US dollars, 500 EURO;The minimum amounts of the replenishment or withdrawal is 500 MDL, 100 US dollars, 100 EURO;

Deposit terms - 6 months and 12 months; Interest payment - monthly with possible capitalization; Possibility to withdraw or replenishment of the account.Interest rate:MDL-8% US dollar-3,5% EURO-3,5%

Consumer creditingThe loan is processed on the basis of the guarantee of the enterprise where the borrower works, or collateral (pledge);

The Interest rate - from 0 % up to 32 %, depending on the project;

Term of crediting - from 6 months to 24 months;

Amount of the loan - up to 75 % of the cost of goods;

Repayment of the loan – monthly, by equal installments, according to the schedule.

BANKING CARDS

•MasterCard Standard and VISA Classic•MasterCard Gold and VISA Gold •Cirrus/Maestro and VISA Electron•MasterCard Business and Visa Business•Cards with credit limits

Services for legal persons

•Small and medium enteprises financing program - EBRD funds;Loan amoun- 350,000 equivalent in MD lei, (for small borrowers); 3 million equivalent in MD lei (for medium borrowers).Maturity up to 5 years – for investment projects; up to 2 years – for working capital requirements. interest rate-similar to existing rates on the financial market of the Republic of Moldova.

•Financing from the employment fond budget for creation of new work places Maturity- up to 3 years Interest rate-3.5 %, floatable

• Loan amount 300,000 MDL• Maturity-Minimal 24 months /maximal 60 months • Annual interest rate-8,54% floatable

Youth Economical Support National Program (YESNP)

Agriculture Recovery Project

•Loan amount-30,000 lei 500.000 •Maturity -Short term – up to 2 years Medium term - up to 5 years Long term – up to 15 years •Annual interest rate-Floatable, 9.6% - for loans in MD lei

•Opening an account;

•Account maintenance and cash management;

•International operations;

•Loan facilities and guarantees;

•Deposits

•banking Cards

•Operations with securities

•Internet-banking “EXIMBANK-ONLINE

•Bank safes

VOCABULARY

FRAMEWORK- A SUPPORTING OR UNDERLYING STRUCTURE;

SECURITY-BONDS OR OTHER PROMISSORY CERTIFICATES ISSUED BY THE GOVERNMENT;

COLLATERAL-SOMETHING PLEDGED AS SECURITY FOR REPAYMENT OF A LOAN;

CAPITALIZATION-1PROVIDE WITH FINANCIAL CAPITAL;2CONVERT INTO FINANCIAL CAPITAL

REPLENISH-FILL UP AGAIN. 2 RESTORE (A STOCK OR SUPPLY) TO A FORMER LEVEL OR CONDITION.

• EXIMBANK - Gruppo Veneto Banca is decorated with the 2008/2009 Quality Recognition Award;

• EXIMBANK - Gruppo Veneto Banca was certified for issuing and accepting VISA chip cards

NEWS

THANK YOU!