MICROFINANTARE IFN ROMCOM SA Full name: SOCIETATE DE MICROFINANTARE - - PowerPoint PPT Presentation

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Feb 11, 2024 240 likes •381 views

SOCIETATE DE MICROFINANTARE IFN ROMCOM SA Full name: SOCIETATE DE MICROFINANTARE IFN ROMCOM SA Form: joint stock company Incorporation: Jan 2006 Headquarters: 49A Gheorghe Doja St, Oradea, Bihor, 410169, Romania Sole

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SOCIETATE DE MICROFINANTARE IFN ROMCOM SA

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◼ Full name: SOCIETATE DE MICROFINANTARE IFN

ROMCOM SA

◼ Form: joint stock company ◼ Incorporation: Jan 2006 ◼ Headquarters: 49A Gheorghe Doja St, Oradea, Bihor,

410169, Romania

◼ Sole registration code: 18297835 ◼ Commerce registry no: J05/103/2006 ◼ NBR registration no: RG-PJR-05-110179 ◼ Web: www.romcom.ro

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ROMCOM Organization Chart

Financial auditor externalized Internal Auditor externalized Marketing / Distribution Legal & Compliance Business Development Human Resources Cashier (1) Accountant (1) Finance Department CFO (1) Region Bihor / Satu Mare / Maramures/ Salaj (4 LOs) Region Mures / Cluj / Bistrita (1 LO) Region Arad & Timis (2 LOs) Lending Credit Director (function currently coordinated by CEO) Collections Legal Advisor (externalized) Collection Agent (externalized) Risk (function currently coordinated by the CEO) Operations COO (function currently coordinated by the CEO) Vlad Mihut CEO General Shareholder Meeting Board of Directors

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Markets, products & competition

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Geographical coverage

ROMCOM Headquarters

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◼ Micro / Small business ◼ Early stage, including start-ups ◼ Not bankable, or hardly bankable ◼ Turnover up to 100k Euro/year ◼ 0-5 employees

Client Profile

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Portfolio structure (EUR)

Note: Data as of 31 Dec 2018

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Portfolio structure (loans)

Note: Data as of 31 Dec 2018

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◼ Investment loans for production, service and

agriculture businesses

◼ Short term (working capital) loans for production,

service and agriculture businesses

◼ Bridge loans ◼ Loans without periodical installments

Loan products

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◼ Loan type: individual business loans ◼ Loan size: up to 120.000 RON (app. 25.500 Eur),

up to 220.000 RON (app 46.800 Eur) total exposure per client;

◼ Tenor: 3-60 mths ◼ Grace period: up to 6 mths (only interest payable) ◼ Repayment: flexible, typically equal mthly

repayments

◼ Guarantees: real estate (land, buildings) or

equipment (machinery, vehicles), covering 120% the loan amount

Loan characteristics

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◼ Banca Transilvania – BT Mic – new division

focusing on MSMEs

◼ Patria Bank ◼ Raiffeisen Bank ◼ BRD-SG ◼ CEC ◼ Libra Bank – focus on professionals

Competition – banks

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◼ Opportunity Microfinance ◼ Vitas ◼ FAER ◼ LAM ◼ Good.Bee Credit ◼ RoCredit ◼ ImoCredit ◼ Agricover ◼ Easy Credit

Competition – MFIs

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