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Home  Products Corporate Banking Structured Finance
Structured Finance
Is focused on complex and specific projects and deals that are attended to with an individual client approach or on cases where the client needs financing on a large scale.
Syndicated loans
- Inland and international syndicated credits
- Inland and international syndicated club loans
- Combination of syndicated credits with other methods of financing such as project financing, trade finance, financing of assets and securitization of assets
Project Finance
- Project finance is suitable for projects prepared and implemented outside the balance of mother companies
- Refers to financing of an economically independent entity
- Is based on projects generating sufficient future cash flow
- Contractual conditions may be with or without recourse against the investors
- Extensive technical, economic and legal analysis is required
Real Estate Finance
a)Types of finance
- multifunctional buildings
- industrial real estate
- administration buildings
- commercial objects
- residential complexes
- reconstruction of residential houses
b) Kinds of finance
- construction
- purchase
- reconstruction
- refinancing
c) Basic financing criteria
- ratio between credit and own capital 70/30 %
- suitable location
- trustworthiness of the debtor
- 70% of the real estate market value
- recoverability from future revenues
- concluded lease contracts or letters of intent
- credit period of 15 years at the most
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