Miro Bank

Our core business is to provide financing support to micro entrepreneurs as well as small and medium enterprises (SME), including physical authorized persons, family associations, SRL and other types of business activities. Applying a unique credit technology precisely tailored to the needs of our target group we aim to set new standards in business lending in Romania. Additionally, we offer loans for housing and renovation purposes to physical persons. As a full service bank we also provide a wide range of financial services, for example fast and reliable payment services and safe investment options – no matter how small the amounts our customers wish to entrust to us.

MIRO Bank – your partner for progress!

Miro Bank

Our core business is to provide financing support to micro entrepreneurs as well as small and medium enterprises (SME), including physical authorized persons, family associations, SRL and other types of business activities. Applying a unique credit technology precisely tailored to the needs of our target group we aim to set new standards in business lending in Romania. Additionally, we offer loans for housing and renovation purposes to physical persons. As a full service bank we also provide a wide range of financial services, for example fast and reliable payment services and safe investment options – no matter how small the amounts our customers wish to entrust to us.

MIRO Bank – your partner for progress!

Miro Bank

Our core business is to provide financing support to micro entrepreneurs as well as small and medium enterprises (SME), including physical authorized persons, family associations, SRL and other types of business activities. Applying a unique credit technology precisely tailored to the needs of our target group we aim to set new standards in business lending in Romania. Additionally, we offer loans for housing and renovation purposes to physical persons. As a full service bank we also provide a wide range of financial services, for example fast and reliable payment services and safe investment options – no matter how small the amounts our customers wish to entrust to us.

MIRO Bank – your partner for progress!

Miro Bank

Our core business is to provide financing support to micro entrepreneurs as well as small and medium enterprises (SME), including physical authorized persons, family associations, SRL and other types of business activities. Applying a unique credit technology precisely tailored to the needs of our target group we aim to set new standards in business lending in Romania. Additionally, we offer loans for housing and renovation purposes to physical persons. As a full service bank we also provide a wide range of financial services, for example fast and reliable payment services and safe investment options – no matter how small the amounts our customers wish to entrust to us.

MIRO Bank – your partner for progress!

Miro Bank

Our core business is to provide financing support to micro entrepreneurs as well as small and medium enterprises (SME), including physical authorized persons, family associations, SRL and other types of business activities. Applying a unique credit technology precisely tailored to the needs of our target group we aim to set new standards in business lending in Romania. Additionally, we offer loans for housing and renovation purposes to physical persons. As a full service bank we also provide a wide range of financial services, for example fast and reliable payment services and safe investment options – no matter how small the amounts our customers wish to entrust to us.

MIRO Bank – your partner for progress!

Miro Bank

Our core business is to provide financing support to micro entrepreneurs as well as small and medium enterprises (SME), including physical authorized persons, family associations, SRL and other types of business activities. Applying a unique credit technology precisely tailored to the needs of our target group we aim to set new standards in business lending in Romania. Additionally, we offer loans for housing and renovation purposes to physical persons. As a full service bank we also provide a wide range of financial services, for example fast and reliable payment services and safe investment options – no matter how small the amounts our customers wish to entrust to us.

MIRO Bank – your partner for progress!

Miro Bank

Ai o ferma sau o gospodarie la tara care iti aduce venituri, dar in agricultura perioada veniturilor nu coincide cu perioada cheltuielilor mari. Sunt oportunitati pe care vrei sa le valorifici intr-o anumita perioada a anului dar pentru care ai nevoie de o suma de bani. Uneori aceasta poate sa fie o suma mica poate 10 milioane de lei. Sau poate o suma pana in 7500 Euro. Pritenii sau rudele nu te pot ajuta. Nu ai o contabilitate clasica din care sa-ti reiasa profitul si alte banci considera activitatea ta prea riscanta. Sau birocratia te impiedica: pana sa intri in posesia banilor dureaza mult mai mult decat poti astepta. Creditul pentru Fermieri de la Miro Bank este cea mai portivita solutie pentru tine.

Afacerea ta agricola se extinde pe zi ce trece! Numarul animalelor si terenurilor detinute sunt in crestere si ai nevoie de o suma cuprinsa intre 7.500 si 50.000 EURO/USD. Acum ai nevoie de o banca pe masura afacerii tale, care intelege specificul activitatilor din agricultura. Deci…Creditul Rural de Dezvoltare este solutia perfecta pentru tine!

Te regasesti in descrierile de mai sus? Vrei sa cooperezi cu unul din ofiterii nostri de credit? Poti rambursa imprumutul punctual, fara intarzieri? Atunci probabilitatea ca imprumutul sa iti fie aprobat in cateva zile este FOARTE MARE! Tot ce trebuie sa faci este sa contactezi cea mai apropiata sucursala pentru a afla toate detaliile.

In prezent creditele pentru agricultura sunt disponibile numai in judetele Dolj si Timis prin intermediul sucursalelor Miro Bank din Craiova, Timisoara si in Bucuresti prin intermediul Agentiei Pantelimon.

Miro Bank

Note: *The precise loan terms may differ from what is shown here depending on the customer’s individual credit history and the collateral provided. The interest rate calculated in the above example is the maximum rate that can be applied to this type of credit.You can obtain this loan very fast!

For further details, please visit us at the Timisoara or Craiova Miro Bank branch!

Miro Bank

Note: *The precise loan terms may differ from what is shown here depending on the customer’s individual credit history and the collateral provided. The interest rate calculated in the above example is the maximum rate that can be applied to this type of credit.You can obtain this loan very fast!

For further details, please visit us at the Timisoara or Craiova Miro Bank branch!

Miro Bank

ProCredit – an international network of financial institutions serving small business MIRO Bank is part of a large network of target group-oriented financial institutions which currently has 18 members in Eastern Europe, Latin America and Africa. These institutions focus on providing financial services to enterprises ranging from the very small to the medium-sized, thereby helping to close a major gap in the market. Over the years, we have jointly developed a profound understanding of both the problems faced by these small businesses and the opportunities available to them, and we have tailored our credit technology to reflect the realities of their operating environment. As the figures demonstrate, our approach has been a resounding success: As of December 31, 2003 the network had grown to over 200 branches and 4,600 employees, and the combined total assets of the network institutions exceeded EUR 1.0 billion. The loan portfolio amounted to some EUR 600 million and was distributed among roughly 300,000 customers, which translates into an average loan size of around EUR 2,000. And only 1% of the overall credit volume outstanding at the end of 2003 was more than 30 days overdue. This proves that it is precisely the small borrowers we serve who are the most reliable customers.

Based on our initial success and the phasing of operational focus at country level, our planning envisages significant network expansion. By the end of our five-year planning horizon, we expect the network to have a presence in 25 countries, with 450 branches, 10,000 employees and a loan portfolio of EUR 2.5 billion. Growth on such a scale can only be financed if, in addition to maintaining successful lending operations, we also succeed in deepening the trust of our depositors. As of the end of 2003 the network reported a total deposit volume of around EUR 550 million, and we are confident of being able to raise this figure to around EUR 2.0 billion by the end of 2008. If you would like to know more about the network of financial institutions which all share, or will soon share, the name “ProCredit”, please visit the IMI website: www.imi-ag.com