NBD General Presentation

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(No Transcript)
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NBD General Presentation
Population is over 4.5 mln
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NBD Bank Brief profile

• Year of creation 1992
• General banking license, Securities license
• Since 2004 state deposit insurance program
  member
• Since 1994 development as an universal bank for
  SMEs
• Since 1994 close cooperation with EBRD, EBRD
  has 251 of voting shares
• Target groups SMEs and individuals
• The main foreign partners EBRD, IFC, DEG,
  KFW, Commerzbank, USAID, Raiffeisenbank
• Capital 30 September 2005 598 mln. rub. (
  21.01 mln), equity 25.9 mln, assets 3 963
  mln. rub. ( 139.067 mln)
• Branch network 14 agencies

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List of international programs
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NBD Bank Bank for Small and Medium companies

• Prerequisites
• Large number of clients ( According to official
  statistics there are over 9.5 mln in Russia)
• Excellent opportunities for the growth of
  clients number ( in 2004 ? number of SMEs for
  1000 of population in Russia 6.5, in France 35,
  GB - 45, Japan 50, Italy 68, USA 75)
• Positive trends of the development in the the
  sector sale growth was over 35 in 2004
• Relatively low banking competition level in the
  sector
• High efficiency profitability
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• Bank achievements
• Development and successful 10 years use of the
  risk assessments techniques
• Implementation of the work out procedures
• Implementation of the wide product range
• Creation of the distribution channels, developing
  branch network
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• Key results
• More then 20 loans are issued every day
• Loan portfolio exceeds 2,6 bln. rubles , losses
  are below 1

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Branch network
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Key products
SME loans
Deposits
Documentary business
Payments
Money market operations
Internet bank
Exchange
Plastic cards
Securities market
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Loan products
Business loans
Consumer loans
Express Micro no collateral
Consumer loans for entrepreneurs
Overdraft on plastic cards ( payroll payment
programs)
Micro
Small
Mortgage loans for entrepreneurs
Middle loan
LC/guarantees
Mortgage loans for individuals
Leasing
Car purchase loan
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Main business loans to SMEs

• Micro business financing (loan in rubles up to
  equivalent of 30 000, terms up to 2 years,
  mainly financing of the trade turn over of the
  micro trade companies and private entrepreneurs,
  up to 200 000 rubles ( 7 000) no collateral,
  over 7 000 collateral for 100 of the loan
  size- equipment, goods, private property)
• Small business financing ( loans in rubles and
  hard currency up to equivalent of 150 000 up to
  5 years, trade, production and service,
  collateral - 100, hard collateral ( fixed
  assets) not less then 70 of the loan size
• Middle business financing (loans in rubles and
  hard currency up to equivalent of 3 000 000 up
  to 6 years, trade, production and service, the
  majority are investment loans, use the
  combination of the Letters of Credits and
  loans, collateral - 100, preference to the real
  estate as a collateral.)
• Over 500 loans are issued monthly

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Loan portfolio growth ( IAS 2000 I H 2005)
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Quality of the loan portfolio and its share in
total assets
Provisions to total loan portfolio, IFRS
Movements of loan share in the total assets, IFRS
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International relationships

• International strategy
• Trade finance using the limits in the foreign
  banks ( 7 banks)
• Special programs for SME lending with EBRD,
  IFC, DEG, KFW, USAID and FMO.
• Foreign currency payments via correspondent
  network
• Program of the borrowings from the private banks
  - direct loans, and syndicated loans in future
• __________________________________________________
  _____________________

Mln Euro
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Proposals for the cooperation with NBD Bank

• Trade finance - Letters of credits
• Setting up limits for the confirmation of the
  Letters of Credits issued by NBD Bank with no
  cash cover _______________________________________
  ________________________
• Direct Loans to NBD Bank
• Middle term Loans to NBD Bank ( 2-5 years), with
  local loan portfolio as a collateral which
  consist of the loans to SMEs in the Volga region
  in Russia
• __________________________________________________
  _____________Participation in the syndicated
  loan
• NBD Bank intends to attract a syndicated loan at
  the amount of 15-20 mln USD in 2007.

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Contact details

• www. nbdbank.ru
• Russia, 603600, Nizhny Novgorod,
• GSP-202, Gorkogo Sqr., 6
• Tel. [phone]
• Fax [phone]

Evgenij Maksakov Head of corporate
financecustomers Maksakov_at_nbdbank.ru
Alexander Sharonov Chairman Of the Board of
Managers Sharonov_at_nbdbank.ru