ProCredit Bank October 2005

Our Shareholders 20% 11.25% 32.50% 25,0%

The international network of ProCredit Institutions No. of account

ProCredit Bank in South East Europe Albania Serbia and Montenegro Bosnja Moldavia Rumania Gjeorgjia Ukraina Bullgaria Maqedonia Kosova

ProCredit at the international network ProCredit at the international 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 The loan portfolio 950 million EUR The deposit volume 800 million Euro The number of the staff is The number of the branches is 300

Mission 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 Network rrethe ku kemi dege rrethe qe mbulojme me sherbimet tona Tirana 1 – Tirana e Re Tirana 2 – tek Tregu I Lire Tirana 3 – prane Muzeut Kombetar Tirana 4 – Laprake, tek Blloku Gintash Durres 1- Durres 2 FierKorceShkoderElbasanVloreLezheBeratSarandeBilishtLushnjePogradec Gjirokastra- ne fund te vitit

Overview Capital 18,017, Assets 185,091, Gross Loan Portfolio 82,897, Customer Deposits 148,499, Profit in ,274, Number of Clients 74,932 Number of branches 16 Number of staff 436

ProEkspres within 24 hours up to All ProLikuid business overdraft, salary overdraft, consumer overdraft ProMikro up to 1’300’000 All ProAgro agriculture loan ProBiznes from – 2.8 milion Euro Loan Products ProConsum consumer loan ProHouse housing loan

Banking Services Accounts and Payments Current accounts no minimum deposit required; Time deposits minimum 100Euro/USD or leke; maturity until 5 years; competition interest rates Savings accounts you earn interest and you have access any time in your account. No minimum deposit required National 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 26 Other services and products Salary 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 fax No additional charge Trade Finance Product -Letter of Credit -Bank Guarantees -Documentary Collection