FINANCING
GUARANTEES
INSURANCE
ABOUT US
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UNIQUE INSTITUTION ON THE ROMANIAN FINANCIAL/BANKING MARKET
Target client groups:
Companies with high development potential
that can drive growth in the Romanian economy
Exporters and potential exporters
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COMPLETE FINANCIAL SOLUTIONS
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GUARANTEES – The guarantees provided by EximBank support the companies that need
financing but do not have enough collateral guarantees.
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FINANCING – EximBank offers standard loans for current activity or investments as well as
products with the state aid component: loans at a subsidized interest rate and partial
compensation of the interest rate.
INSURANCE - EximBank provides insurance covering the commercial and political risks that may
incur during international commercial transactions.
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FINANCING SOLUTIONS
INVESTMENT LOANS
Companies willing to develop their business may use investment loans to finance the costs of projects
related to up-grading or expanding their activity.
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Companies may cover the cash shortfalls through a flexible financing mechanism, customized to their
own financial status.
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LOANS FOR CURRENT ACTIVITY
EXPORT FINANCING
Companies may cover the costs related to the production and shipment of goods or services for export.
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SOLUTIONS FOR PROJECTS
WITH EU FUNDS
May cover up to 85% of the beneficiary contribution and of non-eligible expenses
Tenor - customized based on investment project, implementation schedule, reimbursement
PRE-FINANCING LOANS
LETTERS OF COMFORT
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May cover up to 100% of the funds received from the EU Funds Management Authority
Tenor - up to 2 years
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CO-FINANCING LOANS
Binding or Non-binding
GUARANTEES
EximBank may guarantee loans granted by commercial banks to support EU-funded projects
implementation
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GUARANTEES
covers up to 80% of the principal of the Loan (loan or L/G) that a company may contract from any
commercial bank, including EximBank
the tenor is related to the Loan period
issued in the currency of the Loan
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EximBank Guarantee:
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EximBank issues guarantees on behalf and for the
account of the Romanian State. EximBank guarantees
are sovereign and ensuring reducing the credit risks
thus facilitating companies’ access to financing.
For the guarantees issued on behalf of the Romanian State, with a value of max. EUR 1.5 Mio and a
tenor of max. 5 years, the application is processed by EximBank in max. 10 days upon receipt of the
complete documentation.
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RISK MITIGATION
Short Term Export Credit Insurance for non-market and temporary non market risks
Covers the deliveries with a payment term up to 2 years for debtors and ensures cashing of 85% of the export contract
value.
Covers deliveries with a payment term longer than 2 years and ensures cashing 85% of the export contract value
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Medium and Long Term Export Credit Insurance
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EximBank offers to the Romanian companies the
possibility to substantially reduce the commercial and
political risks incurred in international transactions
through a wide range of insurance products:
Insurance of Romanian Capital Investments Abroad
Covers receivables derived from an investment project and ensures cashing 90% of the project value
BUYER’S CREDIT INSURANCE
Covers loans contracted by foreign buyers to purchase goods or services of Romanian origin
and covers up to 95% of the insured value.
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RISK MITIGATION
BENEFICIARIES
- SME-s with a yearly turnover lower than 2 million Euros
FEATURES
- Insurance period: maximum 2 years
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- Exporters (SME-s and big companies) that deliver to a sole debtor, in case of a risk exposure longer than 181 days
but not more than 2 years.
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EximBank is offering an additional insurance facility for
exporters, covering up to 85% of the losses registered
by Romanian exporters following the occurrence of
commercial and political risks on EU and OECD markets.
- Currency: Ron or other currency, as per the export contract.
APLICABILITY
Exporters may require insurance for export credits based on the scheme, regardless of their domain of work ,
except for the goods mentioned on the List of export goods that are not allowed to benefit from export trade
support instruments implemented by EximBank.
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RISK MITIGATION
Facilities offered by EximAsig,
insurance company owned by EximBank
DOMESTIC CREDIT INSURANCE
PROPERTY INSURANCE
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SURETY INSURANCE
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EXPORT CREDIT INSURANCE
GENERAL THIRD PARTY LIABILITY INSURANCE
PERSONAL ACCIDENTS INSURANCE
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TRADE FINANCE
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Longer than 20 years, the experience of EximBank in
supporting the international commercial transactions
offers to the bank the advantage of building trade finance
and external factoring solutions tailored to each
company’s specific profile
 DOCUMENTARY BILL OF CREDIT- EximBank is irrevocably assuming for its importer client the payment to the
 LETTER OF BANKING GUARANTEE- EximBank offers letters of banking guarantee for participating in biddings, for
payments, good execution, reimbursement of advance payments, custom and taxes payments. EximBank also offers
letters of counter-guarantee issued in favor of another bank as a support for letters of guarantees issuing or granting
other facilities.
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exporter of the counter value of documents showing the goods delivery or services providing.
 DOCUMENTARY INCASSO – EximBank transmits the commercial documents (invoices, transport documents) and /or
financial (bills, promissory notes) as per the exporters’ instructions in order to obtain the payments / payments approval
from the importer.
 DOCUMENTARY PAYMENT ORDER - EximBank instructs the beneficiary bank to credit a certain amount to the
beneficiary’s account upon fulfilling certain conditions and/or presenting documents, statements, etc.
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FACTORING
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ADVANTAGES
No administration fee
Financing up to 100% of the nominal value of the invoice
Services at international standards – EximBank is member of Factors Chain International
No collaterals requested
Rapidity - upon signing the factoring agreement payment is performed no later than 24 hours after the invoices
are being presented.
Payment of receivables before maturity - deferred payment becomes payment at sight
Flexibility in funding usage – funds may be used as needed
Access to information related to potential partners through the foreign factoring agency
Minimal documentation as compared with the one required for granting a loan
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EximBank may finance partially/totally, with or without recourse to exporters, the commercial invoices related to
export activity, issued in the framework of a commercial contract/agreement/confirmed order with deferred
payment, for covering the temporary lack of cash between the invoicing date and the due date of payment.
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TREASURY
EXCHANGE MARKET - EximBank offers competitive calculations for pairs of currencies including RON as well as
Client’s option to place transaction orders at a limited exchange rate
DERIVATIVES - EximBank offers the following structures for protection against foreign exchange risks:
FORWARD transactions (clearing >T+2) for the due dates indicated by the client
SWAP transactions
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for pairs of foreign currencies.
Transactions with clearing date TODAY
Transactions with clearing date SPOT (clearing ≤ T+2)
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EximBank offers up to date information about financial markets, competitive calculations and financial risks
management solutions through a wide range of products:
MONETARY MARKET
Standard and non –standard period deposits - (in order to place a cash excess client may constitute deposits with
preferential rates, in RON or other currencies, for amounts higher than 100,000 RON, 50.000 EUR/USD)
Automatic Overnight - option of having an overnight deposit automatically with preferential interest rates
(minimal amount 100.000 RON, 50.000 EUR or USD)
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CASH MANAGEMENT
CURRENT ACCOUNT- enables clients to perform intra and inter banking transactions, both in RON and other currencies,
PAYMENT/COLLECTION SOLUTIONS:

Standard payment instruments: payment order (OP), promissory note (BO), bill of exchange, cheque, external
payment order

Standing orders

Cross-currency payments/collections

Multiple payments
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cashing and payment of debt instruments, other payment instruments, currencies exchange operations, etc
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EximBank cash management products and services are
the optimal solution for managing cash and, by covering
the whole financial flow, offer the necessary support in
making the most profitable commercial investment
decisions
AUTOMATICALLY OVERNIGHT DEPOSITS
INTERNET BANKING E-xim Banking
OTHER SOLUTIONS: working capital account, Trezolink, Escrow accounts fax/email transmissions, payment reports
(paper based and electronic)
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PARTNERS
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Having EximBank as partner we will be able to continue
developing innovative financial products and services, to offer
complete, integrated solutions both to farmers and food
industry.
Robert Rekkers, General Manager Agricover Credit IFN
Along with our business plan we
have valuable partners –
EximBank included – that are
able to support our efforts in
reaching profit and turnover
targets.
Ioan Nani, General Manager
Antibiotice Iasi
informatii@eximbank.ro
We intend to continue our strategy on long
term and EximBank has offered the optimal
They have moved fast and made the
financial solutions for sustainable
I can only say that EximBank is the
best offer, so we have chosen them as
development of our company.
most important partner of Grup Servicii
Marian Nastase President of the Board Alro financial partners in our investment
Petroliere as well as the whole
project. I am convinced that for any
UPETROM Group. Ten years ago, we
company reaching a certain
kept talking about Romanian banks –
development stage, having a good
we did not trust them. We have
connection with EximBank is highly
become more courageous and here we
recommended. Zoltan Proszer,
are, parts of this great partnership,
President of the Board at Romcab
with huge business impact. I would like
to thank to EximBank team, it is an
We found in EximBank a trustful partner because entering new
excellent, growing one, and I would like
markets is a challenge and the support granted by a bank is
to continue our work together.
critical. EximBank positively answered our request.
Gabriel Comanescu, President of Grup
Adrian Bodea, President of Adrem Invest
Servicii Petroliere
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THANK YOU!
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informatii@eximbank.ro