Ebank - Febea
Transcription
Ebank - Febea
EBANK! THE FIRST ETHICAL BANK IN CROATIA! FEBEA, General Assembly, May 13th, 2014 Goran Jeras, Maja Jurišić. Siniša Miličić, Krešimir Prevendar ABOUT EBANK! • Ethical development bank in Croatia • Owned by Croatian capital (member’s bank) • Support for development of real economy – sustainable ecological agriculture & tourism – manifacturing and processing companies – green energy / citizen energy – IT services, new technologies and innovations – ecological projects – social enterpreneurship • Bank as a service to the real economy – not an isolated profit-making entity 2! LEGAL! LIBORA (NGO) Open Source Banking Foundation Assembly Cooperative for ethical finance Director Supervisory board Assembly ebanka d.d. Mgm. board Supervisory board 3! INNOVATIVE APPROACH! classical bank ebank 4! OWN IT BANKING PLATFORM! • • • • • • open source flexible assembly of financial contracts tailor-made approach to customers integrated KPI monitoring / risk assesment maximum viable automatisation near real-time financial overview of individual entities and the entire system • automated credit decisions with regard to more than financial history and available collateral • low banking and transaction costs • legacy-free 5! ADDITIONAL VALUE! • crowdfunding and peer to peer lending with bank's guarantees • semi-automatic accounting and project management for clients • liquidity ensurance for legal entities • mediation and arbitration platform • consulting for development • clustering infrastructure • various other financial logistics 6! CURRENT STATUS! 7! CURRENT STATUS! • 22nd April – Cooperative formed (>100 members) • huge media attention (national TV, all newspapers, dozens of interviews) • hunderds of inquiries from companies, nonprofits and individuals • interest from government bodies • established network of partners throughout the country (more than 200 entities) • partners have reserved about 8M EUR for the foundation of the bank 8! PARTNERSHIPS! • CEDRA – national network of social entrepreneurs • LEADER network Croatia – network of Local Action Groups in rural areas • Croatian network for rural development • Croatian association of cooperatives • Association of cities in Croatia • Association of municipalities in Croatia • Croatian bank for reconstruction and development (arrangement for pilot credit line dedicated to EBank) 9! PARTNERSHIPS (2)! • National Council of Civil Society • National Foundation for Development of Civil Society • Governmental office for cooperation with NGO’s • Foundation of war veterans and their families • Public ombudsman 10! TIMELINE! • February 2014. – fundraising for transitional budget • March 2014. – informal approval of the Ministry of Finance • April 2014. – formation of cooperative • May 2014. – joining FEBEA • June 2014. – application for banking license • Q1 2015. – banking license – start of operations 11! Q&A? Thank you for your attention! Goran Jeras [email protected] +385 95 9065108