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This is one of the best Study Cases my ASEM (Moldova) Business English students have created so far - this one is done by Cristina Vornic, a freshman from the Banking and Finance Department

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  1. 1. Study Case: Made by: Vornic Cristina, FB 29-G Teacher: PhD Munca Daniela
  2. 2. About the Bank: <ul><li>Established in 1990 – Mobiasbanca was the second bank in Moldova with private capital . </li></ul><ul><li>The bank has a “C” type license which authorises it to perform the full range of banking operations . </li></ul><ul><li>Leading position on the retail market with original and successful products . </li></ul>
  3. 3. <ul><li>Over 780 employees . </li></ul><ul><li>From 2007 a part of Societe Generale Group , well-known all around the world . </li></ul><ul><li>Universal commercial bank providing services to businesses and to individuals . </li></ul>
  4. 4. The structure of bank’s shareholders: <ul><li>- Groupe Societe Generale – 67,85% from the bank’s capital. </li></ul><ul><li>- BRD – Groupe Societe Generale – 20%. </li></ul><ul><li>- European Bank of Reconstruction and Development – 8,84%. </li></ul><ul><li>- Minority shareholders – 3,31% </li></ul>
  5. 5. International partners : <ul><li>EBRD (European Bank for </li></ul><ul><li>Reconstruction and Development) </li></ul><ul><li>IBRD (International Bank for </li></ul><ul><li>Reconstruction and Development) </li></ul><ul><li>USAID (U.S. Agency for </li></ul><ul><li>International Development) </li></ul><ul><li>Black Sea Trade and </li></ul><ul><li>Development Ban k </li></ul><ul><li>International Finance </li></ul><ul><li>Corporation (IFC) </li></ul>
  6. 6. Awards and Distinctions : <ul><li>“ The Best Bank from Central Europe according to ROA and the Best Bank of the Republic of Moldova according to ROA and ROE” award for the bank's financial performances in 2000 – “Finance Central Europe” journal </li></ul><ul><li>“ The 2003 Bank of the Year ” in Moldova award from the international finance journal “The Banker”. </li></ul><ul><li>“ The Best Bank of Moldova in 2003 ” award from “Global Finance” journal </li></ul>
  7. 7. Correspondent banks : <ul><li>AUSTRIA : - Raiffeisen Zentralbank Oesterreich </li></ul><ul><li>- Bank Austria Creditanstalt </li></ul><ul><li>GERMAN Y: - Commerzbank, F/M </li></ul><ul><li>ITAL Y: - Banca Nazionale del Lavoro </li></ul><ul><li>FRANCE : - Banque Societe Generale </li></ul><ul><li>USA: - Citibank - Bank of New York - Societe Generale </li></ul><ul><li>ROMANIA : - BRD - Groupe Societe Generale </li></ul><ul><li>L ATVIA: - Parex Bank - Rietumu Banka - Aizkraukles Banka </li></ul><ul><li>UKRAIN E: - Privatbank - Raiffeisen Bank Aval </li></ul><ul><li>BELARUS : - Belgazprombank </li></ul><ul><li>RUS S IA : - Sberbank - Promsveazibank - Russky Slaviansky Bank - VTB bank </li></ul>
  8. 8. Bank services for INDIVIDUALS: <ul><li>Loans </li></ul><ul><li>Deposits </li></ul><ul><li>Bank cards </li></ul><ul><li>Account maintenance </li></ul><ul><li>Currency transactions </li></ul><ul><li>Securities </li></ul><ul><li>Safe keeping </li></ul><ul><li>Money transfers </li></ul>
  10. 10. Auto Loans <ul><li>Maximum loan amount can be 80% of the car which is determined on the basis of acts of purchase, except if the client is offering real estate securities ; </li></ul><ul><li>Get credit approval in within one day ; </li></ul><ul><li>On approval of credit shall take into account family income solidarity . </li></ul><ul><li>C redits are awarded for a period of 6 to 60 months depending on vehicle age (up to 15 years!) </li></ul><ul><li>Pledged immovable property and get up to 100% of the whole of the car! </li></ul>
  11. 11. Realty Loans <ul><li>The credit value is 70% from the value of the real estate; </li></ul><ul><li>The payment within is 10 years; </li></ul><ul><li>The grace perioud is 12 months; </li></ul><ul><li>No early payment fee; </li></ul><ul><li>Repayment of loan and interest will be made in equal installments ; </li></ul><ul><li>Monthly installment payment will be up to 50% of the net income of Borrower or Borrower's family . </li></ul>
  12. 12. Your Mobias <ul><li>a) STUDYCredit: </li></ul><ul><li>- What helps? - To pay tuition fees and rent a house. </li></ul><ul><li>- What is the value? - The amount of agreement and lease contract . </li></ul><ul><li>- How long? - Maximum 120 months . </li></ul><ul><li>- When you start paying? - Over one year after graduation . </li></ul><ul><li>We help you to be a Student ! </li></ul>
  13. 13. How to determine the term of payment : 1 year Study years+1 year 3 years V 2 years Study years+1 year 5 years IV 3 years Study years+1 year 7 years III 4 years Study years+1 year 9 years II 4 years Study years+1 year 10 years I Payment period Grace period Loan term Study year
  14. 14. <ul><li>b) SMART Credit </li></ul><ul><li>- What helps? - To pay any tuition fees </li></ul><ul><li>- What is the value? – The s tudy contract sum, max 30 000 lei </li></ul><ul><li>- How long? - 12 months </li></ul><ul><li>EVERYTHING IS POSSIBLE! </li></ul>
  15. 15. <ul><li>c) PC Credit </li></ul><ul><li>- What helps? - To buy a computer from our Bank Partners </li></ul><ul><li>- What is the value? – The c ost of the PC's max 30 000 lei </li></ul><ul><li>-How long? – 36 months </li></ul><ul><li>NOW YOU CAN BE THE BEST! </li></ul>
  16. 16. <ul><li>d) ATU Credit Card </li></ul><ul><li>- What helps? - To have a permanent financial reserve </li></ul><ul><li>- What is the value? - Max 5000 lei </li></ul><ul><li>- How long? - 12 months </li></ul><ul><li>- Wh at do you need? - To be a scholarship student (including masters and PhD) </li></ul><ul><li>BE INDEPENDENT! </li></ul>
  17. 17. RETAIL Credit <ul><li>A simple and easy to get a loan for buying goods in shops.Loan &quot;RETAIL&quot; will provide with wonderful gifts. </li></ul><ul><li>BC &quot;Mobiasbank&quot;offers loans to buying the following types of products : </li></ul><ul><li>- Household goods ; </li></ul><ul><li>- Furniture and design elements ; </li></ul><ul><li>- Computers and office equipment </li></ul><ul><li>- Mobile Phones </li></ul><ul><li>- Independent heating systems </li></ul><ul><li>- Building materials </li></ul><ul><li>- Guarding and alarm </li></ul><ul><li>- Tourist tickets </li></ul><ul><li>- Dental services </li></ul><ul><li>And more… </li></ul>
  18. 18. TO_TO <ul><li>Realize you dreams easier! TO_TO credit is a credible alternative for All (TOT) and for Everyone (TO ŢI ) ! </li></ul><ul><li>Terms of use - 6, 12, 18, 25 months </li></ul><ul><li>Monthly payment schedule in accordance with equal pay (including interest, commission and part of the loan) </li></ul>
  19. 19. <ul><li>Allow payment ahead of time without additional fee </li></ul><ul><li>The loan amount is fixed within the limits:2 000 - 30 000 lei </li></ul><ul><li>The Bank doesn’t need: </li></ul><ul><li>- guarantees or warranties </li></ul><ul><li>-d ocuments certifying the possession of an immovable property </li></ul><ul><li>- pay ment utility bills </li></ul>
  20. 20. PROSPER <ul><li>Credit “ PROSPER &quot; will allow : </li></ul><ul><li>-Carrying out ideas! </li></ul><ul><li>- To start a business ! </li></ul><ul><li>- To maintain and develop your own business! </li></ul><ul><li>- To finance any expenditure ! </li></ul>
  21. 21. PROSPER Loan is offering: <ul><li>Cash Loans for any purpose </li></ul><ul><li>Terms of Use - 60luni </li></ul><ul><li>The loan amount - up to 70% of the proposed building pledge . </li></ul>
  22. 22. Term deposits : <ul><li>You can choose term deposits in order to accumulate savings for future needs or to keep safe your temporary free money and earn an interest. Mobiasbanca offers a large range of deposits, which can suit any correlation between term, interest and allowed operations for managing account means. </li></ul>
  23. 23. Bank services for LEGAL ENTITIES: <ul><li>Loans </li></ul><ul><li>Deposits </li></ul><ul><li>Account maintenance </li></ul><ul><li>International payment instruments </li></ul><ul><li>Currency transactions </li></ul><ul><li>Securities </li></ul><ul><li>Safekeeping </li></ul><ul><li>Bank-Client System </li></ul>
  24. 24. Ordinary Credits (classic) <ul><li>R epresent traditional financing for a well-defined term and purpose and is going to be reimbursed by monthly payments in accordance with the diagram established in compliance with company’s money circulation. </li></ul><ul><li>Term: maximum 60 months </li></ul>
  25. 25. <ul><li>I s a type of credit that allows the borrower to perform withdrawals and reimbursements of amounts withdrawn within the minimum and maximum limits and terms specified in respective agreements. </li></ul><ul><li>Term: maximum 18 month s </li></ul>Credit Line
  26. 26. <ul><li>Credit line allows you at any time: </li></ul><ul><li>- to have credit line amount partially or totally granted, - to reimburse received money, - repeatedly to use credit resources unlimited times </li></ul><ul><li>The interest will be compute from the actual utilized credit line. For the unused amounts the client will pay only a reservation (pledged) commission . </li></ul>
  27. 27. <ul><li>Basic terms • Beneficiaries – Bank clients for at least 6 months, with constant monthly money flows not less then 200 000 lei and an infallible financial reputation. • Overdraft limit – up to 25% from monthly current account receipts • Guaranties – the Bank’s right to deduct the amount required for the credit reimbursement from the current account of the borrower unilaterally. </li></ul>OVERDRAFT
  28. 28. <ul><li>Term: Overdraft agreement is valid for maximum a year, but each overdraft installment should be reimbursed in a period of 25 days after the grant. </li></ul>
  29. 29. Deposits <ul><li>If your enterprise's business when cash temporarily assumed the existence of free, do not miss the chance to submit a cash deposit account which will allow you gained additional financial resources . </li></ul>
  30. 30. ACCOUNT MAINTENANCE <ul><li>CB “Mobiasbanca” S.А. offers a wide variety of services to its corporate clients. </li></ul><ul><li>Bank certificate of deposit is a security that certifies the cash deposit in the bank and the certificate holder the right to receive, the deadline by which, the deposit amount and interest thereon . </li></ul>
  31. 31. <ul><li>Bank certificate of deposit with interest is a bank certificate of deposit, which set the condition for calculating the interest on the nominal value . </li></ul><ul><li>Bank c ertificate of deposit with discount is a bank certificate of deposit i n which is not stipulated the condition of calculat ing the interest, which initially is sold at a price lower than face value and are redeemed at maturity at face value </li></ul>
  32. 32. International Payment Instruments <ul><li>CB “Mobiasbaca” S.A. offers all kinds of international payment instruments to its corporate clients to facilitate their transactions with foreign partners, permitting a civilized and non-risk trading, namely: • Documentary letters of credit; • Bank guarantees; • Documentary incasso . </li></ul>
  33. 33. <ul><li>MasterCard Business in MDL </li></ul><ul><li>MasterCard Business in EURO </li></ul>
  34. 34. Debit Cards <ul><li>CIRRUS MASTERCARD </li></ul><ul><li>MAESTRO STANDARD </li></ul>
  35. 35. Credit cards <ul><li>Neos credit Cards </li></ul><ul><li>Credit Card ATU </li></ul><ul><li>(for Students) </li></ul>