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