Snmek 1

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PROFI CREDIT Czech, a.s.
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PROFI CREDIT Czech, a.s.

• Content
• Profile of PROFI CREDIT Czech, a.s.
• Structure of Profireal Group
• Members of the Board
• Key moments in PROFI CREDIT Czech, a.s.
• Financial results of PROFI CREDIT Czech, a.s.
• Main financial indicators of PROFI CREDIT Czech,
  a.s.
• Company strategy
• Financial product portfolio

PROFI CREDIT Czech, a.s.
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PROFI CREDIT Czech, a.s.
Profile of PROFI CREDIT Czech, a.s.
The company PROFI CREDIT Czech, a.s. was founded
in the year 1994 under the name Profireal, a.s.
In its early days, the company specialised namely
in real property trading, but it dealt also with
surrenders and administration of outstanding
debts at the same time. At the turn of the
millennium, PROFI CREDIT Czech, a.s. focused
solely on financial services. Since 2000, it has
been offering financial loans and credits to
non-enterprising private persons. In the year
2003, PROFI CREDIT Czech, a.s. extended its offer
by adding loans and credits for entrepreneurs and
firms. With its product range it thus meets the
requirements of both the private and the business
clientele (physical and legal entities).
Overall in the year 2008, PROFI CREDIT Czech,
a.s. granted 38,000 credits to its clients at a
total volume representing CZK 1.97 billion CZK.
PROFI CREDIT Czech, a.s. also reached one
significant landmark in the course of the year
2008. The total volume of provided loans and
credits has exceeded the amount of 10 billion CZK
since company incorporation. The company
PROFI CREDIT Czech, a.s. is a part of a
multinational financial group Profireal Group
that operates in five countries of the Central
and Eastern Europe - Czech Republic, Slovakia,
Poland, Bulgaria and Romania.
PROFI CREDIT Czech, a.s.
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PROFI CREDIT Czech, a.s.
Structure of Profireal Group
Profireal Group consists of two main divisions
Non-banking financial companies, offering loans
and credits to private persons and
entrepreneurs, uses own sales network.
Division PROFIDEBT purchases, administrates and
collects debts.
PROFI CREDIT Czech, a.s.
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PROFI CREDIT Czech, a.s.
Members of the Board
Ing. Petr Vrba General Manager PROFI CREDIT
Ing. David Chour General Manager Profireal Group
Ing. Karol Jurák General Manager PROFIDEBT
Ing. Filip Soucek Chief Executive Officer - PROFI
CREDIT Czech, a.s.
Ing. Tomá Rosenberger Branch Manager PROFI
CREDIT Romania, IFN S.A.
PROFI CREDIT Czech, a.s.
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PROFI CREDIT Czech, a.s.
Key moments in PROFI CREDIT Czech, a.s.
1994- estabilishment of the company PROFI
CREDIT Czech, a.s. (former
Profireal, a.s.) 2000- providing loans and
credits to non-enterprising clients
2003- expansion of provided loans
and credits for enterprising clients
2008- from the beginning of its
business in the year 2000 PROFI CREDIT provided
credits to more than 100 000 clients
1994-
PROFI CREDIT Czech, a.s.
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PROFI CREDIT Czech, a.s.
Financial results of PROFI CREDIT
Czech, a.s.
Values are in CZK according to Czech Accounting
Standards
PROFI CREDIT Czech, a.s.
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PROFI CREDIT Czech, a.s.
Main financial indicators of PROFI CREDIT
Czech, a.s.
PROFI CREDIT Czech, a.s.
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PROFI CREDIT Czech, a.s.
Company strategy

PROFI CREDIT focuses on clients preferring a
personal approach. This is the reason why it
offers its products through a network of loan
advisors prepared to visit a client at any time.
At the end of 2008, PROFI CREDIT had more than
1000 loan advisors. The aim of PROFI CREDIT is
to build a strong financial group gradually
expanding its activities in the majority of
countries of Central and Eastern Europe. PROFI
CREDIT will provide a maximum support to its
business network for it to fully focus on selling
activities and accomplishment of the planned
volume of sales and growth.
PROFI CREDIT Czech, a.s.
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PROFI CREDIT Czech, a.s.
Financial product portfolio
Employee loan is designed for all clients earning
income on a regular basis. In addition to
employees, this loan can be obtained by retirees
or women on maternity leave. The terms of
repayment range from one to four years and the
loan is not purpose-specific.

• Employee loan

• Trade loan is designed to satisfy small-scale
  businessmen and entrepreneurs with regular
  income, PROFI CREDIT offers this loan to clients
  without property corrobotation. It should be
  provided for a short term, e.g. one month period.

• Trade loan

• PROFI CREDIT offers the Business loan for
  businessmen who need higher amount of the loan.
  Business loan is preconditioned by collateral in
  the form of a surety. The amount of the loan is
  unlimited up their business in depending on the
  value of the collateral provided. Owing to this,
  the loan is available to businessmen starting
  order to get it set up should they possess some
  valuable property. This loan is non-specific and
  the application for it is reviewed for free.

• Business loan

PROFI CREDIT Czech, a.s.