Your interest is our priority and we process your funding applications with the necessary diligence. Notice that your banker will be the more effective provided you submit your application on time. So it will be better for you to always anticipate your needs.

APPLICATION FILE SHALL INCLUDE

• A written application letter (always anticipate your needs)
• The company profile (legal status, organizational structure, activity and performance)
• The last three balance sheets of the company, the operating account and the cash flow forecasted planning at least over the duration of the credit.

You may be required to provide further information during the processing of your file.
These information enable your manager to study your loan application file. Once the study is completed, it is submitted for approval to the credit committee who shall in the last instance. Credit committees are the only decision-making organs to grant or deny a credit.

GUARANTEES Depending on the type of your deal, we may request you to provide guarantees which are most often: mortgages, collaterals , pledges, bank cross-guarantees, surety bonds, insurances, .