Raising capital through environmental and social considerations in lending
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1 Sustainable Finance in the Baltic States 17 October 2006, Vilnius, Lithuania Raising capital through environmental and social considerations in lending Speaker Viktoras Budraitis
2 BUSINESS PURPOSE To provide high quality tailor-made financial services to: small and medium-size business (SME); private individuals; regional municipalities. The Bank s activity is based on the following core values: attentiveness to the client s needs; decision making effectiveness; openness of the staff on all levels to the customers, direct communication; flexibility of services by matching them to the definite needs of the client; attentiveness to the market changes.
3 BANK NETWORK Mažeikiai Palanga Kurš nai Šiauliai Biržai Klaip da Plung Telšiai Kelm Radviliškis Panev žys Visaginas Šilut Anykščiai Utena K dainiai Ukmerg Jonava Kaunas Vilnius Total 49 Outlets Marijampol Birštonas Alytus Druskininkai
4 ASSETS 1.200, ,0 Assets growth in , mltl 1.039, ,5 800,0 600,0 400,0 310,2 454,5 572,3 704,4 200,0 0, % Loans Securities Assets structure 13% 8% Cash and balances with central bank 3% 10% Due from other banks and financial institutions Fixed and other assets
5 LOANS Loan portfolio in , mltl 1.000,0 800,0 659,1 807,8 600,0 400,0 200,0 165,2 249,4 312,1 417,7 0, By type of borrower By economic profile 78% SME Other sectors Agriculture 7% 16% 22% Wholesale and retail trade 6% 16% Individuals Other Real estate, renting Construction 11% 14% 16% 14% Individuals Manufacturing
6 SUBSIDIARIES ŠIAULIŲ BANKAS LEASING (Šiaulių banko lizingas, UAB) Year of establishment 1999 Total assets 75,017 kltl 100 % owned by the Bank Main activities: finance and operating leasing ŠIAULIŲ BANKAS INVESTMENT MANAGEMENT (Šiaulių banko investicijų valdymas, UAB) Year of establishment 2000 Total assets 16,199 kltl 60,4 % owned by the Bank Main activities: mezzanine financing, especially in privatization, restructuring and reorganization projects ŠIAULIŲ BANKAS PROPERTY FUND (Šiaulių banko turto fondas, UAB) Year of establishment 2002 Total assets 18,304 kltl 53,1 % owned by the Bank Main activities: long-term investments in land and other real estate
7 SHAREHOLDERS Total shareholders 2,299 29,0 40,0 Non-financial companies (105) Financial institutions (25) 72% Residents 30,0 Individuals (2,165) 28% Non-residents 1,0 Other (4)
8 Numbers of guarantees provided by Investment and Business Guarantees (INVEGA) UAB per cent, by banks 100% 90% 80% 70% 60% 50% 40% 30% 20% 10% 13,70% 11,80% 2,00% 6,90% 3,40% 5,00% 8,40% 25,10% 6,30% 6,90% 20,60% 20,00% 61,80% 15,50% 55,30% 37,70% 6,00% 20,50% 24,50% 27,00% UAB Medicinos bankas AB bankas "Snoras" AB Sampo bankas AB Parex bankas AB bankas "Hansabankas" AB Vilniaus bankas AB bankas "Nord/LB Lietuva" AB Ūkio bankas AB Šiaulių bankas 0% 2002 m m m Source: Invega, UAB
9 Lithuanian Rural Credit Guarantee Fund UAB Credits and guarantees by banks 2005., LTL million (without Agency) 80,0 74,8 70,0 Credits Kreditai Guarantees Garantijos 60,0 50,0 40,7 40,0 35,3 30,0 22,1 20,0 15,6 15,4 15,0 10,0 10,0 10,7 8,6 9,3 4,5 4,7 3,2 1,2 0,8 1,4 1,0 0,3 0,03 0,7 0,5 0,0 0,0 0,0 Nord/LB Lietuva SEB Vilniaus bankas Šiaulių bankas Hansabankas Snoras Sampo bankas Ūkio bankas Medicinos bankas Nordea bank Lietuva Kredito unijos Parex bankas HVB bankas Source: LRCGF
10 Disbursements for projects approved by LEIF in 2005 according to the credit lines - by financial institutions SEBleasing 6% Bank Snoras 8% Other banks 6% SEB Vilniaus bankas 19% Hansaleasing 19% Šiaulių bankas 27% Hansabankas 5% DnB NORD
11 LOANS GRANTED TO SME PROJECTS ACCORDING TO INTERNATIONAL CREDIT LINES Projects according the PHARE line EUR Number of the approved projects Amount of the granted loans Average credit amount Average credit term (month) Average number of employees in the company Number of established working places 154 6,372,856 41, Source: AB Šiaulių bankas
12 LOANS GRANTED TO SME PROJECTS ACCORDING TO INTERNATIONAL CREDIT LINES Projects according EBRD 5 million and 12 million lines EUR Number of the approved projects Amount of the granted loans Average credit amount Average credit term (month) Number of established working places Number of established working places ,108,700 17, , ,986, , Source: AB Šiaulių bankas
13 LOANS GRANTED TO SME PROJECTS ACCORDING TO INTERNATIONAL CREDIT LINES Projects according WB (women business) line EUR Number of the approved projects (units) Amount of the granted loans Average credit amount Average credit term (month) Number of established working places Number of established working places 70 2,160,684 30, Source: AB Šiaulių bankas
14 MICRO CREDITS LTL Amount of the credit line Number of applications received (units) Number of the approved projects (units) Amount of the granted credits Average credit amount 15,000, ,407,671 74,087 Source: AB Šiaulių bankas
15 Structure of the projects financed by Lithuanian Environmental Investment Fund LTL Trend Atmosphere protection Water protection Waste disposal Total Number of financed projects At Siauliu bankas among them Source: LEIF
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