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Headquarters

Address

Sofia 1407, 55 Nikola Vaptzarov Blvd, EXPO 2000

SWIFT/BIC

RZBBBGSF


Branches and ATMs

Find the nearest office or ATM


Corporate Banking

Address

Sofia 1407, 55 Nikola Vaptzarov Blvd, EXPO 2000

Phone

(+359 2) 91 985 101

Fax

(+359 2) 91 985 140

 


Card and POS terminals assistance

24 hours bank cards and POS terminals assistance center

Phones

0700 10 000 (Vivacom)

17 21 (A1 and Telenor)

(+359 2) 962 41 02

Fax

(+359 2) 962 78 59

0700 10 000 calls for Vivacom subscribers are at the price of local call for people calling from all around the country - the difference between long-distance and local call is covered by Raiffesienbank. 17 21 calls for subscribers of mobile operators A1l and Telenor are at the price of internal call/within the same network – A1-A1 or Telenor-Telenor depending on customer individual plan.


Factoring

Viktor Spasov, Head of Factoring Department

Phone

(+ 359 2) 91 985 774

(+ 359) 886 999 569


Financial Institutions/ Sovereigns Department

Address

Sofia 1407, 55 Nikola Vaptzarov Blvd, EXPO 2000

Phone

(+359 2) 91 985 423

Fax

(+359 2) 943 45 57

 


Capital Market Sales Department

Nayden Chernev, Head of Department

Phone

(+359 2) 91 985 456

Sales of Capital Markets Products Section

Nikolay Kichukov, Senior Broker

Phone

(+359 2) 91 985 490

Currency market and market risk management

Svetslav Georgiev, Senior Dealer

Phone

(+ 359 2) 91 985 464


Rositsa Petkova, Dealer

Phone

(+359 2) 91 985 453


Elka Petkova, Dealer

Phone

(+ 359 2) 91 985 429

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General Conditions and Forms

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    Guarantee Agreement SME Initiative

    The credit products provided under SME Initiative are guaranteed by the European Investment Fund under Operational Programme “SME Initiative” 2014-2020 with the financial support from the EU through the European Structural and Investment Funds and the European Investment Bank. The SME Initiative Guarantee Facility supports small and medium-sized enterprises with up to 249 employees; with annual turnover less than BGN 97 500 000 and value of assets less than BGN 84 000 000.

    Advantages

    • Relaxed requirements

      In respect of the coverage of the provided collateral.

    • Advantageous pricing terms

    • Possibility for financing investments and working capital needs

    Details

    Credit parameters
    Amount Max. 5 000 000 EUR
    Products guaranteed by SME Initiative

    New Loans provided for:

    • Investments in tangible and intangible assets
    • Working capital loans
    • The transfer of proprietary rights provided that such transfer takes place between independent investors
    Maturity
    • Investment limits - up to 141 months
    • Working capital loans - up to 60 months
    • Revolving limits for working capital needs - up to 48 months

    The Final Recipients must comply with the requirements of SME Initiative Guarantee Facility and the requirements of the Bank’s Credit Policy.

    It is obligatory any de minimis under the scope of the De minimis Regulation pursuant to Article 1 of such regulation to be reported.

    Guarantee coverage 60%

    Application

    Application procedure

    Small and medium Enterprises registered and operateing on the territory of Bulgaria which comply with at least one of the following criteria:

    • Are small or medium-sized enterprises within the meaning of the SME Act, registered under the Commerce Act or the Cooperative Act.
    • Are not “an undertaking in difficulty”(within the meaning of Commission Regulation (EU) No C (2014) 651/2014 of 17 June 2014).
    • Are not subject to insolvency proceedings and have not been subject to insolvency proceedings over the last 5 years.
    • No administrative penalty or conviction related to an illegal activity has been imposed on the borrower and/or the persons exercising control or management responsibilities.
    • Are not engaged in activities related to one or more sectors banned under SME Initiative.

    Restricted activities - Any production, trade or other activity, which is illegal under the laws or regulations of the Republic of Bulgaria; the production of and trade in tobacco and distilled alcohol beverages and related products; the financing of the production of and trade in weapons and ammunition of any kind or military operations of any kind; human cloning for reproduction purposes and genetically modified organisms (GMOs) or any other restricted activity in the Republic of Bulgaria and/or any of the other EU Member States.

    Additional advantages

    • Long –term partnership between Raiffeisenbank Bulgaria and EIF under European Programmes financing.

    • Cooperation and support

      Highly-qualified experts with experience in the field of corporate lending and financial services.

    Contacts

    Corporate Banking Department

    Address: Sofia 1407, 55 Nikola Vaptzarov Blvd, EXPO 2000
    Phone: (+359 2) 91 985 101
    Fax: (+359 2) 91 985 140

    Useful information

    European Investment Fund

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