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Sparkasse Bank Makedonija a.d. S-Leasing d.o.o. Profile You are an entrepreneur wanting to enjoy the quality stan- dards guaranteed by Steiermärkische Sparkasse in hand- ling your bank transactions in Macedonia? Then Sparkas- se Bank Makedonija a.d. is just the right, local financial partner for you. In September 2008, Steiermärkische Sparkasse acqui- red a majority stake in Sparkasse Bank Makedonija a.d., thereby substantially enhancing its commitment to south- eastern Europe. Sparkasse Bank Makedonija a.d. offers the full range of banking services for entrepreneurs and private clients, striving to ensure high efficiency and relia- bility. In rendering cross-border services, Sparkasse Bank Makedonija a.d. can count on the long international ex- perience gathered by Steiermärkische Sparkasse and the Austrian Savings Banks Group. Sparkasse Bank Makedo- nija a.d. runs 27 branch offices in Macedonia. S-Leasing founded in 2009 is the second largest leasing company in Macedonia. Take advantage of the consulting services offered by our specialists. Key Facts and figures Macedonia Contacts Sparkasse Bank Makedonija a.d.: Makedonija 9-11, 1000 Skopje Tel.: +389 2 3200 500, Fax: +389 2 3200 515 E-Mail: [email protected], www.sparkasse.mk Swift: INSBMK22 S-Leasing d.o.o.: Makedonija 9-11, 1000 Skopje Tel.: +389 2 3077 095, Fax: +389 2 3077 088 E-Mail: [email protected], www.s-leasing.mk Macedonia 2015 Population 2.1 mn Economic growth 3.5 % GDP/capita € 10,700 Inflation -0.3 % Sparkasse Bank 2015 Branches 27 Clients 56,700 Total assets € 284 mn Profit after tax € 1.04 mn Return on Equity 2.8 % Cost Income Ratio 68.2 % Stake held by Steiermärkische Sparkasse 99.74 % S-Leasing d.o.o. 2015 Branches 1 New business volume leasing € 6.4 mn New contracts 244 Balance sheet total € 9.6 mn Stock of contracts 790 Stake held by Steiermärkische Sparkasse 90 % Branches and Locations (Headoffice)

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Sparkasse Bank Makedonija a.d.S-Leasing d.o.o.

Profile

You are an entrepreneur wanting to enjoy the quality stan-dards guaranteed by Steiermärkische Sparkasse in hand-ling your bank transactions in Macedonia? Then Sparkas-se Bank Makedonija a.d. is just the right, local financial partner for you.In September 2008, Steiermärkische Sparkasse acqui-red a majority stake in Sparkasse Bank Makedonija a.d., thereby substantially enhancing its commitment to south-eastern Europe. Sparkasse Bank Makedonija a.d. offers the full range of banking services for entrepreneurs and private clients, striving to ensure high efficiency and relia-bility. In rendering cross-border services, Sparkasse Bank Makedonija a.d. can count on the long international ex-perience gathered by Steiermärkische Sparkasse and theAustrian Savings Banks Group. Sparkasse Bank Makedo-nija a.d. runs 27 branch offices in Macedonia.S-Leasing founded in 2009 is the second largest leasing company in Macedonia. Take advantage of the consulting services offered by our specialists.

Key Facts and figures

Macedonia

Contacts

Sparkasse Bank Makedonija a.d.:Makedonija 9-11, 1000 SkopjeTel.: +389 2 3200 500, Fax: +389 2 3200 515E-Mail: [email protected], www.sparkasse.mkSwift: INSBMK22

S-Leasing d.o.o.:Makedonija 9-11, 1000 SkopjeTel.: +389 2 3077 095, Fax: +389 2 3077 088E-Mail: [email protected], www.s-leasing.mk

Macedonia 2015Population 2.1 mnEconomic growth 3.5 %GDP/capita € 10,700Inflation -0.3 %

Sparkasse Bank 2015Branches 27Clients 56,700Total assets € 284 mnProfit after tax € 1.04 mnReturn on Equity 2.8 %Cost Income Ratio 68.2 %Stake held by Steiermärkische Sparkasse 99.74 %

S-Leasing d.o.o. 2015Branches 1New business volume leasing € 6.4 mnNew contracts 244Balance sheet total € 9.6 mnStock of contracts 790Stake held by Steiermärkische Sparkasse 90 %

Branches and Locations

(Headoffice)