Bank Republic

Gvantsa Manjavidze Mariam Zaldastanishvili Elene Giorgobiani Tamar Iagorashvili

Bank Republic, one of the Georgia's oldest privately owned banks, was founded in 1991. Bank Republic is a leading commercial bank with rapid expansion of operations in Corporate, Retail Banking and Financial Services in Georgia. Employing more than 1000 people, the Bank serves its clients through 47 branches and service centers. In 2006, Societe Generale Group took over controlling interests in Bank Republic (60% stakes). SG increased its shares up to 80% in 2009. The access to the global expertise of Societe Generale Group is one of the main strengths for Bank Republic. The Bank is equally strong in Corporate Banking as well as in Retail Banking and can provide any kind of investment Banking services through SocGen Grou

Tasks For The

Presentation

1) Invent a banking product new to the Georgian banking system

Wedding Loans

Weddings can be expensive. You spend a lot of money before your wedding, like when you buy wedding rings, dresses, dinners and then of course afterwards when you go to honeymoon and start shopping together. One of the best ways to stay secure is to have a decent bank balance to support you after you get married. Having a good bank balance means that you can easily avoid any financial pits soon after your marriage begins. There is no doubt, that this project isnt accessible today, but we hope it will soon be, when economic conditions is be better in Georgia.

2) Find foreign banking products which are not offered by commercial banks in Georgia and thus are new to the Georgian banking system

U.S. Bancorp Investments, Inc. and U.S. Bancorp Insurance Service (part of US bank)

For decades, U.S. Bancorp Wealth Management has helped individuals and families work toward their financial goals. US Bank has a branch LLC service corporation which provides business advices and then bank itself finance the relevant ideas

3) The types of deposits offered by Georgian banking institution

Bank republic

1) On-Call Deposit
Use the amount deposited at the deposit account at any time and get interest at the same time.

Term (month)

GEL

USD

EUR

3-5

8.00%

3.50%

3.00%

6-8

9.00%

4.50%

4.00%

9-11

10.00%

5.25%

4.75%

1217

11.00%

6.25%

5.75%

18-24

12.00%

6.25%

5.75%

On-Call Deposit Advantages:

You can withdraw and additionally deposit funds on the deposit account at any time at your discretion; The deposit can be managed by two persons without any notarial attestation; Duration of the deposit account is not limited; Opening and servicing the deposit is free of charge; The deposit can be opened with any amount of money; The depositor can receive an overdraft or a soft loan under the On-Call Deposit guarantee.

2) Term Deposit
Save your money on the highly-profitable deposit!

GEL Term (months) At maturity In advance Frequency of receiving Interest return Monthly Quarterly Annually

3 4 5 6 7 8 9 10 11 12 13-14 15 16-17 18 19-20 21 22 23 24

9.00%

8.00%

8.50%

9.70%

13.30%

9.00%

8.00%

8.50%

9.00%

8.00%

8.50%

10.00%

9.00%

9.50%

10.00%

9.00%

9.50%

10.70%

10.00%

9.00%

9.50%

11.00%

10.00%

10.50%

11.00%

10.00%

10.50%

11.70%

11.00%

10.00%

10.50%

12.00%

11.00%

11.50%

12.00%

11.00%

11.50%

11.70%

12.00%

11.00%

11.50%

12.00%

11.00%

11.50%

12.70%

13.00%

12.00%

12.50%

13.00%

12.00%

12.50%

12.70%

13.00%

11.90%

12.50%

13.00%

11.80%

12.50%

13.20%

13.00%

11.70%

12.50%

13.50%

11.60%

13.00%

By opening the Term Deposit in Bank Republic

You become a respected client of the Banking Group "Societe Generale"; You receive the interest benefit monthly, quarterly, annually, at the end of the maturity period or in advance; You receive an opportunity to select the desirable deposit term from a wide variety of options; You receive the highest interest benefit on the deposit.

3) Privileged Deposit
Save money with privileged terms created specially for you!

erm (months)

GEL

USD

EUR

9.00%

4.50%

4.00%

9.00%

4.50%

4.00%

9.00%

4.50%

4.00%

6-7

10.00%

5.50%

5.00%

10.00%

5.50%

5.00%

11.00%

6.25%

5.75%

10

11.00%

6.25%

5.75%

11

11.00%

6.25%

5.75%

12-17

12.00%

7.00%

6.50%

18-23

13.00%

7.00%

6.50%

24

13.50%

7.00%

6.50%

By opening Privileged Deposit:

You become a respected client of the Banking Group "Societe Generale"; Receive an opportunity to select the desirable term from a wide variety of options; Receive high interest rate on the deposit and have a right to add a desirable amount of money to the deposit at any time

4) Cumulative Deposit
Make savings and receive high interest return

Term (month)

GEL

USD

EUR

3-5

8.00%

3.50%

3.00%

6-8

9.00%

4.50%

4.00%

9-11

10.00%

5.25%

4.75%

1217

11.00%

6.25%

5.75%

18-24

12.00%

6.25%

5.75%

By opening Cumulative deposit in Bank Republic

You become a respected client of the Banking Group "Societe Generale"; Receive an opportunity to save money slowly, by means of regular installments; Receive high interest benefit on your installments.

5)Child Deposit
Accumulate money for the future of your child. At the end of the deposit term, you will receive interest return together with the saved money.

Currency

GEL

USD

EUR

Interest

13.50%

7.50%

7.00%

Child Deposit Advantages:

High interest return accrues on the deposit; Making monthly installments is not obligatory; In case of depositing funds monthly within a year, an interest return during the year will increase by 0.5%; You may select desirable term of the deposit: from 2 to 18 years; The deposit may be opened by a parent as well as any person; Opening and servicing the deposit is free of charge; Low installment is required for opening a deposit; Addition of money to the deposit is possible through Internet-Bank or permanent assignment, without visiting the Bank

6)Flexible Deposit
Flexible Deposit gives you chance to deposit funds to the Bank for the term determined in advance and to withdraw it at any time and further to return 30% of the sum without terminating the Deposit Contract and loss of interest return.

Currency Deposit Term GEL

7.00%

USD
2.50%

EUR
2.00%

3 months

7.00%

2.50%

2.00%

4 months

7.00%

2.50%

2.00%

5 months

8.00%

3.50%

3.00%

6 months

8.00%

3.50%

3.00%

7 months

8.00%

3.50%

3.00%

8 months

9.00%

4.25%

3.75%

9 months

9.00%

4.25%

3.75%

10 months

9.00%

4.25%

3.75%

11 months

10.00%

5.00%

4.50%

12 months

Flexible Deposit Advantages:

The highest interest return accrues on the deposit; You may withdraw 30% of the deposited amount at any time without terminating the Deposit Contract and loss of interest return. It is possible to return the withdrawn amount; The deposit may be managed by you as well as the persons chosen by you; The depositor can take an overdraft or a soft loan under the deposit guarantee. In case of opening a deposit, you will receive a gift; Opening and serving the deposit is free of charge;

7)Convertible Deposit
Manage a currency risk of your savings and receive interest return. If you consider that it is better to save money in other currency, then you will be able to convert the sum deposited to your deposit account into other currency without losing the interest return at any time.

erm (months)

GEL

USD

EUR

6-8

8.50%

4.00%

3.50%

9-11

9.50%

4.75%

4.25%

1217

10.50%

5.50%

5.00%

18-23
11.50% 5.50% 5.00%

24
12.00% 5.50% 5.00%

Convertible Deposit Advantages:

You may yourself manage the currency risk; Conversion of deposit amount is possible at any time without losing the accrued interest; Frequency of funds conversion is not limited; Deposit may be opened in the following currencies: GEL, USD, EUR; High interest yield accrues on the deposit; Client's free choice of maturity from standard time-term options. Deposit term may be prolonged without visiting the Bank; The deposit can be managed by two persons without any notarial attestation; The depositor can take an overdraft or a soft loan under the deposit guarantee. In case of opening a deposit account the owner will receive an encouraging gift.

8)Megobari Deposit
Open "Megobari Deposit It is in the bank and at the same time always with you

GEL

USD

EUR

8.00%

4.50%

4.50%

It is always with you: Withdraw or deposit amount from/to deposit any time from all branches of Bank Republic! Also, withdrawal is additionally possible from any ATM or bank throughout the world during 24 hours!

The amount which is on deposit during whole month accrues high interest yield

4) The types of deposits offered by foreign banking institution (you can choose any commercial bank operating outside the Georgia)

Barclays Bank
UK

Little information about Barclays

Barclays PLC is a global banking and financial services company headquartered in London, UK. As of 2010 it was the world's 10thlargest banking and financial services group and 21st-largest company according to a composite measure by Forbes magazine. It

has operations in over 50 countries and territories across Africa, Asia, Europe, North America and South America and around 48 million customers.

Currency Treasury Deposit Account

This business deposit account is available in all major currencies and the rates closely reflect those available on the London eurocurrency markets.

Sterling Treasury Deposits

Choose from a range of fixed term, call and notice deposits offering rates of interest that closely mirror those available on the London money markets, offering you a good return over different terms.

Currency Call Deposit Account

This account earns you interest on lots of different foreign currencies, reducing the risk that you'll lose out if exchange rates change. However, it still gives you access to your money when you need it.

5) The type of the loans offered by Georgian banking institution (you can choose any commercial bank operating in Georgia)

Bank
Republic

Auto Credit Formula 1

We offer you the fastest option to buy any car. Choose the car you wish to buy and give your wishes much needed finance through obtaining our loan that offers most flexible and beneficial terms. Where and what kind of car I can purchase by Bank Republic loan? A brand new car directly from a showroom; A used car from an auto center; Car chosen by your personal choice.

Consumer Loan Comfort

We will finance you at your convenience! Loan up to up to USD 30,000 under advantageous collateral conditions! Loan Advantages: Low annual interest rate - from 16% Possibility of full financing from Bank, without need of financial contribution from your side; Loan up to USD 30,000, dedicated for fulfilling your demands; Possibility of receiving a loan together with family member, on the basis of unified income.

Mortgage Loan
You want to buy a house or to improve your life conditions. We can assist you in making such a significant step. Mortgage Loan "My Nook" Advantages: Law annual interest rate Loan term up to 25 years; You can receive loan with one or two of your family members; Loan amount - unlimited; In case of construction or repair, the loan can be received in installments, without adding an interest on the unused amount; The loan can be secured: o By means of the real estate you are buying; o Any real estate owned by you; o Real estate owned by any third person. Payment of the loan can be structured according to the type of your income: if income is salary - monthly only, other types of income - monthly or quarterly; The loan can be covered at any date during 24 hours through the Internet Bank or 24 hour service centers.

Payroll Loan
Your salary is transferred to our bank? Then you can receive a loan in one day, in the amount 6 times higher than your salary and without any collateral.

Deposit Backed Loan

Deposit backed loan is made specially for you, our respected depositors! Receive a loan without providing any documentation in 1 day!

6)The type of the loans offered by foreign banking institution (you can choose any commercial bank operating outside the Georgia)

BARCLAYS

Personal loans
If you're already registered for Barclays Online Banking and you apply for a personal loan online, you could have the money in your account in three hours 1 if your online application is accepted. The option to borrow

from 5,000 to 25,000 Price guarantee: Find a cheaper loan and we'll match it and give you 50 Fixed monthly repayments You could get your cash the same day 1

Graduate Loan
Completing your course and graduating is a great feeling. But unfortunately, the realities of student finance don't disappear overnight - which is why our Graduate Loan is designed to support you as you start your new life. Apply to borrow from 500 to 10,000 Flexible repayment terms Fixed monthly repayments

Professional and Career Loan

If you take out a Professional and Career Development Loan while you're on a vocational course, the government will pay your interest while you study. Offers financial assistance while you improve your prospects The government pays your interest while you study Pay nothing until 2 months after you finish your course

Homeowner loan
Homeowner loans are secured on your home and can be used for such things as improving your property and consolidating loans. Loans arranged by Freedom Finance and introduced by Barclays Loans of between 3,000 and 100,000 for UK homeowners