European Bank for Reconstruction and Development

TBC Bank Uzbekistan is a subsidiary of TBC Bank Group, specializing in digital banking services aimed at retail customers and small to medium enterprises. The bank focuses on providing a comprehensive suite of financial products, including money transfers, loans, deposits, and bill payments, all accessible through digital channels. By leveraging its parent company's expertise in digital transformation, TBC Bank Uzbekistan seeks to meet the increasing demand for modern financial services in the country, enhancing the customer experience with innovative online solutions.

ProCredit Bank Moldova is a commercial bank based in Chisinau, Moldova, focusing on development. It provides banking services, with a particular emphasis on serving small and medium enterprises, as well as offering savings accounts to private individuals. The bank is known for its excellent customer service.

Alter Modus is a financial institution specializing in microcredit, operating in Montenegro. It facilitates access to finance for micro-entrepreneurs and underprivileged individuals, fostering economic independence and social inclusion. The company partners with established banks and funds to secure long-term credit lines, enabling it to provide financial assistance to those with limited access to traditional financing.

Studenac is a retail chain based in Omis, Croatia, operating over 360 stores and supermarkets. The company specializes in the distribution of a diverse range of food products, offering them at affordable prices through its smaller format retail and wholesale outlets. With a workforce of more than 2,500 employees across various roles, Studenac is committed to providing accessible shopping options to its customers while maintaining a strong presence in the Croatian market.

TBC Bank Uzbekistan is a subsidiary of TBC Bank Group, specializing in digital banking services aimed at retail customers and small to medium enterprises. The bank focuses on providing a comprehensive suite of financial products, including money transfers, loans, deposits, and bill payments, all accessible through digital channels. By leveraging its parent company's expertise in digital transformation, TBC Bank Uzbekistan seeks to meet the increasing demand for modern financial services in the country, enhancing the customer experience with innovative online solutions.

​Addiko Bank is a commercial bank focusing on retail and SME banking. It offers services such as personal and business accounts, savings, consumer and business loans, and digital banking solutions. The bank provides quick loans, Mastercard credit cards with instalment options, and online platforms like Addiko Mobile and EBank for account management.

Mikrofin is a microfinance institution that focuses on providing small and microloans to micro and small businesses, particularly in the agriculture sector, as well as to entrepreneurs in various services and housing needs. The organization aims to deliver appropriate financial services to economically active, low-income individuals, enabling them to achieve economic independence and improve their financial stability. Through its lending initiatives, Mikrofin supports the growth of small enterprises and contributes to the overall economic development of the communities it serves.

Curious Sparrow, based in Belgrade, is a startup that produces personalized books for both children and adults. It combines technology, storytelling, illustrations, and psychological insights to create unique, cherished keepsakes. The company operates two brands: Beloved Books for adults and Curious Sparrow for children, serving eight markets in Central and Eastern Europe. Since its inception, it has sold over 200,000 books.

Tanmeyah is a fast-growing financial services provider with a focus on low-income groups, both businesses and individuals, of the societies in which it operates. Tanmeyah offers financial solutions to those segments of the population that previously have had no access to these services through a comprehensive branches network that is adequately placed in a close proximity to our clients. Founded on the extensive financial expertise of the management team, Tanmeyah introduces new ways of incorporating technology and combines this with a unique and direct personal approach through our branches to create a low-threshold, highly professional environment for our customers. In the first 2 years of its existence, Tanmeyah has established 95 branches in both urban and rural areas of Egypt. It is now expanding its services through a diversified and much-needed mix of both financial products and services. With ambitious plans to grow on an even larger scale, both geographically as well as in the variety of finance solutions offered, Tanmeyah is fast establishing itself as an important contender in the Egyptian financial services community. Tanmeyah has established its own training facility, where dedicated trainers offer a variety of courses to all levels of employees. By ensuring that all employees obtain excellent knowledge of their prospective fields, Tanmeyah guarantees that each client will receive the highest level of service. To date, Tanmeyah employs more than 1000 staff in both the Head Office and the branches. Tanmeyah is unique in its proximity to the people it serves and the scale in which the company is expanding. In a world where branch-less and internet banking is the norm. Tanmeyah has chosen to adhere to this natural evolution in its approach to banking with its customers, introducing financial solutions on a personal level through its branches, in close proximity to the enterprises of the customers.

ProCredit Bank is a development-oriented commercial bank in Georgia.

Pelion, founded in 1990 by Polish entrepreneurs, has become a significant player in Poland's economy, operating in various sectors of pharmaceutical distribution such as wholesale, retail, and hospital sales. The company has expanded its presence into Lithuania as well, solidifying its position in the market.

Mplus Group was founded in 2007 as a pioneer contact center provider in the Adriatic region and became the largest independent business process technology outsourcing (BPTO) company in Southeast Europe with a deep knowledge of the industry. M+ Group supports over 260 renowned regional and global customers from 32 locations today by successfully integrating dynamic industries of contact center, information technology and employment services into a cohesive service portfolio ready to tackle global challenges in the field of customer experience optimization. Mplus brings scalability and flexibility to its partners with a sharp focus on providing an efficient, high-quality service at a competitive cost and a secure IT infrastructure with state-of-the-art technology.

İşbank was founded by Great Leader Mustafa Kemal Atatürk on the date of 26.08.1924. In the 91 years since its foundation, the Bank has made significant contributions to our country and taken various parts in their country’s development in many different fields, particularly in industry and trade. By the end of 2015, as the largest private bank in Turkey that has more than 25 thousand employees; around 1,400 local and overseas branches; the largest Bankamatik network in Turkey consisting of over 6,000 Bankamatiks; mobile banking, internet banking, telephone banking, and call center services, İşbank has provided its clients with access to banking services in the fastest way possible, and with the opportunity to choose, from a very wide range of financial products, the most convenient ones offered to them by the Bank and its affiliates.

KEP Trust is the largest micro-finance institution in Kosovo, providing a diverse array of financial services tailored for both individuals and businesses. The institution offers various loan products, including agriculture loans, business loans, express business loans, home improvement loans, consumer loans, and super express loans. By catering to a broad spectrum of financial needs, KEP Trust plays a significant role in enhancing access to capital and supporting economic development within the region.

Reefy Microfinance is a financial company that provides loans to MSMEs owned by young entrepreneurs.

İşbank was founded by Great Leader Mustafa Kemal Atatürk on the date of 26.08.1924. In the 91 years since its foundation, the Bank has made significant contributions to our country and taken various parts in their country’s development in many different fields, particularly in industry and trade. By the end of 2015, as the largest private bank in Turkey that has more than 25 thousand employees; around 1,400 local and overseas branches; the largest Bankamatik network in Turkey consisting of over 6,000 Bankamatiks; mobile banking, internet banking, telephone banking, and call center services, İşbank has provided its clients with access to banking services in the fastest way possible, and with the opportunity to choose, from a very wide range of financial products, the most convenient ones offered to them by the Bank and its affiliates.

Aklease is a financial services company based in Istanbul, Turkey, specializing in leasing and financing options for a diverse array of industries, including production, construction, transportation, energy, and healthcare. The company caters to a wide range of investors, from large corporations to small and medium-sized enterprises (SMEs). Aklease offers medium and long-term leasing solutions for capital goods, which encompass agricultural machinery, construction equipment, and medical devices. Through its services, Aklease supports businesses in acquiring essential equipment while managing their financial resources effectively.

Akbank is a prominent commercial bank based in Istanbul, Turkey, established in 1948. The bank offers a comprehensive range of banking services that encompass corporate and investment banking, commercial banking, small and medium enterprises (SME) banking, and retail banking. Additionally, Akbank provides payment systems, treasury transactions, and private banking services. The bank also engages in international banking activities, enhancing its global reach. Beyond traditional banking, Akbank is involved in the insurance sector through its subsidiaries, Aksigorta A.Ş. and AvivaSA Emeklilik ve Hayat A.Ş., thereby diversifying its financial services portfolio.

Bank of Africa is a prominent banking institution founded in 1959 and headquartered in Casablanca, Morocco. It offers a wide range of banking products and services tailored for individuals, professionals, and businesses, both domestically and internationally. The bank's offerings include various types of accounts, term deposits, credit cards, and financing solutions, as well as insurance and investment funding services. Additionally, Bank of Africa provides cash management, payment processing, international transactions, and electronic banking services, along with specialized support for SMEs and employees. The bank also engages in corporate finance, asset management, securities brokerage, and wealth management. With a network of approximately 1,800 branches, Bank of Africa plays a significant role in the financial landscape. Committed to corporate social responsibility, it actively supports environmental conservation and educational initiatives for underprivileged children in rural areas. The institution was formerly known as Banque Marocaine du Commerce Extérieur until its rebranding in March 2020.

CJSC Kyrgyz Investment and Credit Bank, established in 2001 and headquartered in Bishkek, Kyrgyzstan, is the largest commercial bank in the country, providing a wide range of retail and corporate banking products and services. The bank offers current accounts, various types of deposits, and an array of loans including personal, consumer, mortgage, and business loans tailored for both small and medium enterprises. Additionally, it provides settlement and cash services, foreign exchange, payroll processing, utility payments, and money transfers. Kyrgyz Investment and Credit Bank also offers trade financing solutions such as letters of credit and documentary collections, as well as leasing services, credit and bank cards, and investment opportunities in government securities. Its clientele includes both individuals and legal entities, making it a key player in the financial landscape of Kyrgyzstan.

Kompanion Bank is a financial institution based in the Kyrgyz Republic that provides a range of banking solutions. It offers services such as credit and debit cards, internet banking, payment kiosks, and e-wallets, catering to both individuals and businesses. The bank is particularly focused on supporting small and medium-sized enterprises, as well as individual entrepreneurs, by providing loans and deposits tailored to their needs. Through these offerings, Kompanion Bank aims to assist customers in achieving their financial goals and improving their overall financial well-being.

Xac Bank is the fourth largest bank in Mongolia with a loan portfolio of 395M USD, serving 298,000 borrowers and savers clients and deriving a yearly ROE of 22%. Xac Bank has demonstrated its ability to adapt to a fast growing and fast changing economic environment in Mongolia, on the back of a booming mining industry, and has re-focused its operations away from microfinance to SME, consumer lending and mortgages. In order to manage the associated risk, the bank has heavily invested in systems and human capabilities in order to serve the increasing need of underserved SMEs and urban as well as rural population. Xac Bank has also built an in-house mobile platform currently under upgrade in order to better serve the needs of its customers. Xac Bank is actively involved in deploying government and developmental funds to provide easier access to low cost housing and environment friendly energy to the lower layers of the Mongolian population. Finally, Xac bank is constantly providing non-financial services to the community under the form of financial literacy programs and business support to its lowest income customers via association with NGOs.

Türk Ekonomi Bankası A.Ş. (TEB) is a prominent financial institution in Turkey, established in 1927 as Kocaeli Bankası T.A.Ş. It provides a wide range of banking products and services catering to retail, corporate, and small to medium-sized enterprise customers. TEB operates through various segments, including Retail and Private Banking, SME Banking, Corporate Banking, and Treasury and Asset-Liability Management. The bank offers services such as deposit accounts, various loan types, payment solutions, and online banking. Additionally, TEB provides brokerage services, investment funds, and a comprehensive array of insurance products. The bank also engages in advisory services related to capital market instruments, business evaluations, and mergers and acquisitions. TEB has a robust network, featuring 471 branches and 1,728 ATMs across Turkey. It has been recognized for its prudent management practices and has a strategic partnership with BNP Paribas, enhancing its market presence. Headquartered in Istanbul, TEB continues to expand its operations, supporting both individual and corporate financial needs.

Cropler is a technology company specializing in AI-driven agricultural advisory services. It has developed a multispectral optical sensor that collects real-time field data, enabling farm management platforms, farms, and consultants to make data-driven decisions, reduce risks, and enhance crop yields. The company's AI-powered digital agronomical assistant provides real-time crop information, weather updates, soil moisture data, disease detection, and smart notifications, facilitating remote plant monitoring and effective agricultural management.

CreditAccess Grameen is a microfinance company based in India that specializes in providing financial products and services primarily to women from rural and low-income households. The company offers a range of microcredit loans designed for various purposes, including income generation, family welfare, home improvement, and emergencies. In addition to lending, CreditAccess Grameen provides micro insurance services that encompass life and health insurance, as well as access to a national pension scheme. The company also emphasizes non-financial support through services such as enterprise development, financial literacy promotion, basic health and nutrition education, and training focused on women's rights and gender issues. Operating solely within India, CreditAccess Grameen serves its clients through a structure of Joint Liability Groups, fostering community support and empowerment among women.

TBC Bank Uzbekistan is a subsidiary of TBC Bank Group, specializing in digital banking services aimed at retail customers and small to medium enterprises. The bank focuses on providing a comprehensive suite of financial products, including money transfers, loans, deposits, and bill payments, all accessible through digital channels. By leveraging its parent company's expertise in digital transformation, TBC Bank Uzbekistan seeks to meet the increasing demand for modern financial services in the country, enhancing the customer experience with innovative online solutions.

ProCredit Holding is a financial services company that manages a group of banks operating in South-Eastern Europe, Eastern Europe, South America, and Germany. It offers a range of banking services, including deposits, loans, and current and savings accounts. The company's core activities involve strategic management, capital adequacy, risk management, and ensuring proper business organization within the group.

Piraeus Bank is a multinational financial service company that provides products and services for small and medium-sized enterprises. The company also offers a full range of financial products and services in the areas of retail, wholesale, SMEs, agribanking, investment banking, asset management, leasing & bancassurance, and treasury & financial markets. It has made a series of strategic acquisitions and mergers aiming to establish a strong presence in the domestic market. Piraeus Bank offers services in private banking, asset management, investment banking, retail banking, and commercial banking. The company is committed to including social, environmental, and cultural aspects into its business practices and assumes initiatives over and above the legal obligations with the aim of enhancing social welfare and sustainable development. Piraeus Bank received the Loyalty Magazine Awards 2018 for the Yellow Rewards Program and the Global Excellence Award in the area of Relationship Management and Client Services and was named Performance Brand of the Year” at the Peak Performance Marketing Awards 2018. Piraeus Bank was founded in 1916 and is headquartered in Athens, Greece.

Credo Bank is a microfinance institution based in Tbilisi, Georgia, established in 1997. The bank specializes in providing a variety of financial products and services tailored to the needs of micro, small, and medium enterprises. Its offerings include loans, start-up financing, installment plans, credit and debit cards, insurance products, remittances, deposits, and payroll services for businesses. In March 2017, the organization rebranded from JSC Microfinance Organization Credo to JSC CREDO Bank. As a subsidiary of Access Microfinance Holding AG, Credo Bank emphasizes a healthy working environment and strong business processes, which underpin its core values and organizational behavior.

Erste Bank ad Novi Sad is a financial institution that offers savings, insurance, finance, and digital baking services. Erste Bank ad Novi Sad focuses on individuals, local communities, and small and medium-sized businesses. Erste Bank ad Novi Sad pushes the boundaries of electronic banking and card services on the Serbian financial market and strives to meet clients' needs.

QNB Finansleasing is a Turkey-based company specializing in leasing services across various sectors. The company provides financing solutions for wind turbines and solar power plants, heavy machinery, automobiles, medical equipment, agricultural equipment, and printing equipment. With a focus on meeting the financial needs of institutions, QNB Finansleasing aims to deliver efficient and straightforward leasing options that facilitate investment while maintaining control over the leased assets.

Acba Bank is a financial institution that offers a range of banking services to individuals, businesses, and farmers in Armenia. Established with the support of international partners, the bank focuses on providing agricultural loans, facilitating money transfers, and offering foreign exchange services. Additionally, it provides leasing options and community funding, aiming to support the local economy and enhance agricultural development. Acba Bank plays a crucial role in financing Armenian agriculture, drawing on its foundation as a cooperative bank inspired by European models.

Yapi Kredi Leasing is a financial services company that specializes in domestic and international leasing transactions. The firm provides equipment leasing services across various sectors, including automotive, machinery, real estate, health, and finance, primarily within Turkey. By offering flexible leasing solutions, Yapi Kredi Leasing supports businesses in acquiring essential equipment and assets without the need for substantial upfront capital.

İşbank was founded by Great Leader Mustafa Kemal Atatürk on the date of 26.08.1924. In the 91 years since its foundation, the Bank has made significant contributions to our country and taken various parts in their country’s development in many different fields, particularly in industry and trade. By the end of 2015, as the largest private bank in Turkey that has more than 25 thousand employees; around 1,400 local and overseas branches; the largest Bankamatik network in Turkey consisting of over 6,000 Bankamatiks; mobile banking, internet banking, telephone banking, and call center services, İşbank has provided its clients with access to banking services in the fastest way possible, and with the opportunity to choose, from a very wide range of financial products, the most convenient ones offered to them by the Bank and its affiliates.

TBC Bank Uzbekistan is a subsidiary of TBC Bank Group, specializing in digital banking services aimed at retail customers and small to medium enterprises. The bank focuses on providing a comprehensive suite of financial products, including money transfers, loans, deposits, and bill payments, all accessible through digital channels. By leveraging its parent company's expertise in digital transformation, TBC Bank Uzbekistan seeks to meet the increasing demand for modern financial services in the country, enhancing the customer experience with innovative online solutions.

KMF provides micro finance to micro, small and agribusiness throughout Kazakhstan.

EximBank Moldova is a commercial bank that caters to both corporate and retail customers. It provides a range of banking services across various sectors of the national economy. The bank operates in several cities, including Balti, Orhei, Ungheni, Hincesti, and Cahul. Its service offerings encompass warehousing, business cards, web banking, bank guarantees, bancassurance, mobile banking, and point-of-sale terminal solutions. EximBank focuses on delivering quality financial services to meet the diverse needs of its clients.

KEP Trust is the largest micro-finance institution in Kosovo, providing a diverse array of financial services tailored for both individuals and businesses. The institution offers various loan products, including agriculture loans, business loans, express business loans, home improvement loans, consumer loans, and super express loans. By catering to a broad spectrum of financial needs, KEP Trust plays a significant role in enhancing access to capital and supporting economic development within the region.

Erste Bank ad Novi Sad is a financial institution that offers savings, insurance, finance, and digital baking services. Erste Bank ad Novi Sad focuses on individuals, local communities, and small and medium-sized businesses. Erste Bank ad Novi Sad pushes the boundaries of electronic banking and card services on the Serbian financial market and strives to meet clients' needs.

Reefy Microfinance is a financial company that provides loans to MSMEs owned by young entrepreneurs.

TBC Bank Uzbekistan is a subsidiary of TBC Bank Group, specializing in digital banking services aimed at retail customers and small to medium enterprises. The bank focuses on providing a comprehensive suite of financial products, including money transfers, loans, deposits, and bill payments, all accessible through digital channels. By leveraging its parent company's expertise in digital transformation, TBC Bank Uzbekistan seeks to meet the increasing demand for modern financial services in the country, enhancing the customer experience with innovative online solutions.

Raiffeisen Bank Kosovo is a financial institution in Pristina, Kosovo asset management as well as in the field of acquisitions and mergers. raiffeisen bank offers a wide range of banking services and products to all customers: individuals, small and medium enterprises, and corporations. Since the beginning of its work in Kosovo, Raiffeisen Bank is very successful in supporting the development of all segments with different products,

Viva Wallet is a European neobank that operates entirely in the cloud, utilizing Microsoft Azure to provide its services across 23 countries. As a Principal Member of Visa and MasterCard, it offers card acceptance solutions for businesses of all sizes through innovative Smart Android terminals, a dedicated Viva Wallet POS app, and advanced payment gateways for online transactions. The company also provides business accounts featuring local IBANs and Viva Wallet Mastercard cards. In addition to its payment processing capabilities, Viva Wallet supports small to midsize businesses with various value-added services, including merchant cash advances, expense management, virtual debit card issuance, and cash disbursement. The company has established a subsidiary banking entity, VIVABANK SA, and operates as an E-money Institution, compliant with PSD II Directive provisions, allowing it to offer services across the entire EEA region.

Mobiasbanca is a commercial bank located in Chisinau, Moldova, established in 1990. It offers a range of banking services for individuals and businesses, including individual, corporate, and mortgage banking. The bank provides various financial products such as working capital, project finance, real estate debt, trade finance, and cash management. As a subsidiary of Groupe Société Générale, Mobiasbanca plays a significant role in the Moldovan banking sector, serving the diverse financial needs of its customers.

Mobiasbanca is a commercial bank located in Chisinau, Moldova, established in 1990. It offers a range of banking services for individuals and businesses, including individual, corporate, and mortgage banking. The bank provides various financial products such as working capital, project finance, real estate debt, trade finance, and cash management. As a subsidiary of Groupe Société Générale, Mobiasbanca plays a significant role in the Moldovan banking sector, serving the diverse financial needs of its customers.

Bank of Africa is a prominent banking institution founded in 1959 and headquartered in Casablanca, Morocco. It offers a wide range of banking products and services tailored for individuals, professionals, and businesses, both domestically and internationally. The bank's offerings include various types of accounts, term deposits, credit cards, and financing solutions, as well as insurance and investment funding services. Additionally, Bank of Africa provides cash management, payment processing, international transactions, and electronic banking services, along with specialized support for SMEs and employees. The bank also engages in corporate finance, asset management, securities brokerage, and wealth management. With a network of approximately 1,800 branches, Bank of Africa plays a significant role in the financial landscape. Committed to corporate social responsibility, it actively supports environmental conservation and educational initiatives for underprivileged children in rural areas. The institution was formerly known as Banque Marocaine du Commerce Extérieur until its rebranding in March 2020.

Credit du Maroc is pleased to participate in the national program of support and financing for small businesses and project leaders.

CallPoint New Europe EAD is a business process outsourcing company.

EximBank Moldova is a commercial bank that caters to both corporate and retail customers. It provides a range of banking services across various sectors of the national economy. The bank operates in several cities, including Balti, Orhei, Ungheni, Hincesti, and Cahul. Its service offerings encompass warehousing, business cards, web banking, bank guarantees, bancassurance, mobile banking, and point-of-sale terminal solutions. EximBank focuses on delivering quality financial services to meet the diverse needs of its clients.

Garanti BBVA Romania is a dynamic bank in the local market, offering a comprehensive range of banking and financial services to clients in Bucharest. The bank provides quality products for various sectors, including retail, small and medium-sized enterprises (IMM), and corporate clients. Its services encompass debit cards, bank accounts, loans, financing solutions, financial risk protection, and payment systems, effectively catering to the needs of both individuals and businesses.