NOVOSADSKA BANKA

1
NOVOSADSKA BANKA
1864
2
NOVOSADSKA BANKA Novi Sad, Serbia

• FACILITATING ACCESS TO CREDIT TO SMEs,
  COOPERATIVES AND INDIVIDUAL ENTREPRENEURS

Contact us at 021/527-229
e-mail info_at_novban.co.yu
3
NOVOSADSKA BANKA BANK PROFILE

• Long business tradition
• Located on the territory from id to Vrac and
  from Belgrade to Subotica
• Dispersed bank business network 185 organisation
  parts
• Branch offices in Novi Sad, Belgrade, Stara
  Pazova, Backa Palanka, and Vrac

Contact us at 021/527-229
e-mail info_at_novban.co.yu
4
NOVOSADSKA BANKABUSINESS PROFILE

• The first Bank that implemented standards ISO.
  Also posess ISO standard 90012000 from
  02.12.2003
• Five Business partner awards and one Golden
  Statue for the best Bank in Vojvodina in 2001

Contact us at 021/527-229
e-mail info_at_novban.co.yu
5
NOVOSADSKA BANKABUSINESS PROFILE

• Universal Bank with wide range of services
• Client financing in the field of production and
  trade target group are small and medium size
  enterprises
• Credit line by European Agency for Reconstruction
  and Commerzbank with Hermes coverage

Contact us at 021/527-229
e-mail info_at_novban.co.yu
6
NOVOSADSKA BANKATHE OVERVIEW OF REVOLVING LOAN
SCHEME
EU BUDGET
DONORS
European Agency for Reconstruction
NBS Fund Management Unit
Novosadska Bank
Commercial Bank
Contact us at 021/527-229
e-mail info_at_novban.co.yu
7
NOVOSADSKA BANKACREDITING TERMS AND CONSITIONS

• The enterprises dealing with production and
  service provision except trade
• With dominant private ownership
• Which may provide 20 of own investment
• Which may provide the highest quality collateral
  of loan repayment to the Bank

Contact us at 021/527-229
e-mail info_at_novban.co.yu
8
NOVOSADSKA BANKACREDITING TERMS AND CONDITIONS

• Loan value is from EUR 20.000 to EUR 200.000
• Loan repayment term is from 1 to 5 years with
  maximal grace period of up to 1 year
• Interest rate is variable currently its is
  8,10 p.a.
• Loan repayment and interest payment is quarterly

Contact us at 021/527-229
e-mail info_at_novban.co.yu
9
NOVOSADSKA BANKADOCUMENTATION

• Client is obliged to submit the following
  documentation
• Business plan
• Balance sheet for the last three business years
• Income sheet for the last three business years
• Annex for the last three business years

Contact us at 021/527-229
e-mail info_at_novban.co.yu
10
NOVOSADSKA BANKASMALL AND MEDIUM SIZE ENTERPRISES

• On the basis of EAR-NBS credit line, the Bank
  has approved
• 62 loans in the amount of EUR 6,791 mil.
• equipment EUR 4,701 mil.
• facilities EUR 1,582 mil.
• revolving assets EUR 0,508 mil.
• Existing employee number 1.974
• The number of employees generated by projects
  658

Contact us at 021/527-229
e-mail info_at_novban.co.yu
11
NOVOSADSKA BANKAREGIONAL ALLOCATION OF APPROVED
LOANS
Contact us at 021/527-229
e-mail info_at_novban.co.yu
12
NOVOSADSKA BANKASHORT-TERM RETAIL LOANS

• On the basis of current accounts
• from 5.000 to 50.000 dinars
• 2,5 of interest to utilised part of loan
• 6 months
• Consumer loans without down payment and deposit
• consumer goods, medical treatment, scholarship
• from 5.000 to 100.000 dinars
• 2,2 per month

Contact us at 021/527-229
e-mail info_at_novban.co.yu
13
NOVOSADSKA BANKALONG-TERM RETAIL LOANS

• For several purposes including deposit
• cars (new and second hand), vehicles, home
  appliances, medical treatment, education, gas
  system installation, heating system installation
• from 150.000 to 450.000 dinars
• from 3 to 5 years
• minimum 30 of deposit, interest 12 per annum
• Housing loans including deposit
• Housing, business, garage facilities the
  services of construction, reconstruction, and
  adaptation of apartment or house
• from 150.000 to 1.800.000 dinars
• from 3 to 15 years
• minimum 30 of deposit, interest 12 per annum

Contact us at 021/527-229
e-mail info_at_novban.co.yu
14
NOVOSADSKA BANKALOANS TO AGRICULTURAL PRODUCERS

• For machinery and equipment
• from 60.000 to 600.000 dinars
• up to 2 years
• interest 12 per annum
• repayment in quarterly or semi-annual
  installments

Contact us at 021/527-229
e-mail info_at_novban.co.yu
15
NOVOSADSKA BANKAPAYMENT SYSTEM

• The advantages of Novosadska banka
• long-term banking experience
• high liquidity level
• security and reliability
• dispersed network of business units
• sophisticated Information Technology
• professional and skillful human resources
• operation according to international standards
• cash payment for corporates is performed without
  commission

Contact us at 021/527-229
e-mail info_at_novban.co.yu
16
NOVOSADSKA BANKAELECTRONIC BANKING

• Advantages for corporates
• time efficient, cost efficient (30 cheaper than
  payment at outlet)
• the possibility of use for 24 h
• up-to-date
• prompter assets turnover
• regular e-communication with the Banks officer

Contact us at 021/527-229
e-mail info_at_novban.co.yu
17
NOVOSADSKA BANKAPAYMENT CARDS

• YUBA payment card
• DINA payment card
• VISA payment card
• VISA Electron
• VISA Classic
• VISA Business

Contact us at 021/527-229
e-mail info_at_novban.co.yu
18
NOVOSADSKA BANKAWEB BANKING

• What is Web banking?
• What are its advantages?
• What may be paid by it?
• What is necessary
• to use WEB banking?

Contact us at 021/527-229
e-mail info_at_novban.co.yu
19
NOVOSADSKA BANKACONTACT

• www.novban.co.yu
• E-mail info_at_novban.co.yu, verbez_at_novban.co.yu
• Branch Novi Sad, tel [phone]
• Branch Beograd, tel 011/
  36-10-327
• Branch Stara Pazova, tel 022/
  310-140
• Branch Backa Palanka, tel 021/
  750-370
• Branch Dunav, tel 021/
  442-375
• Branch Banat, tel 013/
  821-156