Investor Presentaiton

Λ Services Used Loan/Line of credit/Overdraft Need for banking services 40% 45.5% 20% 30,500 COOPERATION WITH BANKS Key factors Interest rate Simple terms Speed 41% 27% 0% Loan/Line of credit/Overdraft Money transfers Payment cards FX transactions Bank guarantees Leasing LC Factoring Source: 2019 SME research, Ameria CJSC 72% BANK ❖ CREDIT FACILITIES (loan, line of credit, overdraft) ARE THE MOST POPULAR banking products among SMEs. INTEREST RATE is the key factor for choosing a banking product for them. 29

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