European Bank for Reconstruction & Development

DenizBank Anonim Sirketi, established in 1938 and headquartered in Istanbul, Turkey, is a commercial banking institution that offers a wide range of financial products and services. The bank operates through four main segments: Wholesale Banking, SME and Agricultural Banking, Retail Banking, and Treasury and Other services. Its offerings include various loan products such as consumer, mortgage, vehicle, and agricultural loans, alongside credit cards, investment products, and deposit services. DenizBank also provides leasing, factoring, foreign exchange transactions, and corporate finance solutions. Additionally, the bank offers insurance products covering areas such as fire, agriculture, and life, as well as pension plans. Serving corporate, commercial, SME, and retail customers across diverse sectors including agriculture, energy, and healthcare, DenizBank has a significant presence with 751 branches and 3,029 ATMs. It operates as a subsidiary of Sberbank, a major global financial institution.

XacBank is a prominent banking institution based in Ulaanbaatar, Mongolia, recognized as the fourth largest bank in the country. With a loan portfolio of 395 million USD, it serves approximately 298,000 borrowers and savers, achieving a yearly return on equity of 22%. The bank has shifted its focus from microfinance to small and medium-sized enterprises (SMEs), consumer lending, and mortgages, reflecting its adaptability to the evolving economic landscape driven by a growing mining sector. XacBank has invested significantly in enhancing its operational capabilities and technology to meet the needs of underserved populations, both in urban and rural areas. The bank is also engaged in facilitating access to affordable housing and environmentally friendly energy through government and developmental funds. Additionally, XacBank offers non-financial services, including financial literacy programs and business support, particularly to low-income customers in collaboration with non-governmental organizations.

Operator of a digital bank intended to serve retail customers and small and medium enterprises. The company offers online services including money transfers, loans, car loans, deposits, installments, bank cards and bill payments, providing retail users with a digital customer experience.

The ProCredit group is made up of development-oriented commercial banks operating in South Eastern and Eastern Europe and South America, as well as a bank in Germany. Based in Frankfurt, Germany, the parent company of the group, ProCredit Holding, is responsible for the strategic management, capital adequacy, reporting, risk management, and proper business organisation of the group and also acts as a superordinated company from a regulatory point of view. At consolidated level, the group is supervised by the German Federal Financial Supervisory Authority (Bundesanstalt für Finanzdienstleistungsaufsicht or BaFin) and the Deutsche Bundesbank.

Credo Bank is a microfinance institution based in Tbilisi, Georgia, established in 1997. The bank specializes in providing a variety of financial products and services tailored to the needs of micro, small, and medium enterprises. Its offerings include loans, start-up financing, installment plans, credit and debit cards, insurance products, remittances, deposits, and payroll services for businesses. In March 2017, the organization rebranded from JSC Microfinance Organization Credo to JSC CREDO Bank. As a subsidiary of Access Microfinance Holding AG, Credo Bank emphasizes a healthy working environment and strong business processes, which underpin its core values and organizational behavior.

Raiffeisen Bank Croatia is a financial organisation that provides banking facilities to individuals and corporations.

Operator of a digital bank intended to serve retail customers and small and medium enterprises. The company offers online services including money transfers, loans, car loans, deposits, installments, bank cards and bill payments, providing retail users with a digital customer experience.

QNB Finansbank A.S. provides various banking products and services in Turkey. It offers deposit products, including savings, daily yield, gold, and payroll accounts; time and demand deposits; consumer, auto, and mortgage loans; payments services; safe deposit boxes; and various insurance products comprising life, workplace, unemployment, auto, home, professional liability, personal accident, and agriculture insurance. The company also provides investment products, such as treasury bills and government bonds, bank bills and bank bonds, Eurobonds, mutual funds, capital guaranteed and exchange traded funds, deposits fund, derivatives, and repo and stocks, as well as private portfolio products. In addition, it offers cash management, foreign trade, and corporate banking services; and financial leasing and factoring services, as well as private pension products. Further, the company provides portfolio management, custody, and asset and wealth management; international banking; and merchant services. Additionally, it offers wholesale and commercial banking products, including structured and project finance, transaction banking, financial institutions, treasury, investment banking, and advisory services. As of December 31, 2019, it operated through a network of 523 domestic branches, 1 offshore branch, and 1 airport branch. The company was formerly known as Finansbank A.S. and changed its name to QNB Finansbank A.S. in January 2018. The company was founded in 1987 and is headquartered in Istanbul, Turkey. QNB Finansbank A.S. operates as a subsidiary of Qatar National Bank (Q.P.S.C.).

Lovcen Banka AD is a financial institution based in Podgorica, Montenegro, providing a range of banking products and services to both retail and corporate clients. Established in 2011 and formerly known as MFI Kontakt, the bank offers various services including loans, savings accounts, payment cards, and e-banking solutions. It also engages in wealth management and investment services, catering to diverse financial needs. In addition to its headquarters, Lovcen Banka has multiple branches located in cities such as Kotor, Budva, Herceg Novi, Cetinje, Nikšic, Bar, Ulcinj, Mojkovac, Petnjica, Tivat, and Rožaje, thereby enhancing its accessibility to customers throughout the region.

Ameriabank CJSC is a universal bank based in Yerevan, Armenia, providing a wide range of corporate, investment, and retail banking services. The bank offers various deposit products, including time deposits and savings accounts, alongside an extensive suite of financing options such as mortgage loans, car loans, consumer loans, and loans for energy efficiency projects. In addition, Ameriabank caters to small and medium-sized enterprises with tailored loan products, including those secured by property and cash flows. The bank also provides a variety of cards, distance banking services, and financial solutions such as foreign exchange transactions and brokerage services. Investment banking services include mergers and acquisitions, corporate finance, and capital markets activities. Ameriabank, founded in 1910 and known as Armimpexbank CJSC until 2008, operates with a strong emphasis on digital banking technologies, aiming to enhance the financial experience for its clients.

EximBank Moldova is a commercial bank that caters to both corporate and retail customers. It provides a range of banking services across various sectors of the national economy. The bank operates in several cities, including Balti, Orhei, Ungheni, Hincesti, and Cahul. Its service offerings encompass warehousing, business cards, web banking, bank guarantees, bancassurance, mobile banking, and point-of-sale terminal solutions. EximBank focuses on delivering quality financial services to meet the diverse needs of its clients.

KEP Trust is the largest micro-finance institution in Kosovo, providing a diverse array of financial services tailored for both individuals and businesses. The institution offers various loan products, including agriculture loans, business loans, express business loans, home improvement loans, consumer loans, and super express loans. By catering to a broad spectrum of financial needs, KEP Trust plays a significant role in enhancing access to capital and supporting economic development within the region.

Erste Bank a.d. Novi Sad provides various banking products and services in the Republic of Serbia. The company operates through Retail, Small and Medium Enterprises, Commercial Project Financing, Large Corporate Clients, and Financial Markets segments. It offers current and savings accounts; and loans, which include housing, cash, refinancing, and energy efficiency loans, as well as project financing and overdraft facility. The company also provides credit cards; life, property, travel, and comprehensive insurances; financial leasing; and standing orders, retail safe boxes, electronic money transfers, and guarantee operations services. In addition, the company invests in real estate properties; develops and constructs properties and property complexes; offers asset management and construction services; and provides various capital market services, such as market creation, short-term liquidity management, custody operations, commercial operations, and other activities. It operates a network of 7 business centers, 46 branches, 9 sub-branches, and 4 counters in Serbia. The company was formerly known as Novosadska banka a.d., Novi Sad and changed its name to Erste Bank a.d. Novi Sad in December 2005. The company was founded in 1989 and is headquartered in Novi Sad, Serbia. Erste Bank a.d. Novi Sad is a subsidiary of EGB CEPS Holding GMBH.

Garanti BBVA Leasing offers financing models suited to the investment finance needs of its customers and provides consultancy services.

BPB was licensed on 29 March 2001 by the Central Banking Authority of Kosovo (CBAK), being the third licensed bank in Kosovo. BPB has mostly domestic capital, distinguished for its flexibility, efficiency and customer care.

Operator of a digital bank intended to serve retail customers and small and medium enterprises. The company offers online services including money transfers, loans, car loans, deposits, installments, bank cards and bill payments, providing retail users with a digital customer experience.

Credit du Maroc is pleased to participate in the national program of support and financing for small businesses and project leaders.

Procredit Bank Macedonia is a development-oriented commercial bank.