Procredit bank - Financing Biogas plants

ProCredit bank
The Financing of Mini Biogas Power Plants
The bank for you
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September 2015
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German capital
100%
German capital,
The only German
bank in Serbia
German business standards
100% shareholder of the bank is ProCredit
Holding, Germany
Among the shareholders of ProCredit Holding
are renowned international institutions such as
KfW and IFC
Among the founders of the Procredit bank
Serbia were EBRD, KfW, FMO
Aside from National bank of Serbia, business
operations of our bank are regularly monitored
by BaFin – German Federal Financial
Supervisory institution
ProCredit bank rating is B+
The bank for you
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September 2015
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ProCredit bank Serbia
2001.
The second decade of successful business
The beginning in Serbia
ProCredit bank is committed to the long-term
partnership with SME companies and agro
producers
What we don’t finance?
Public and state companies, corporations,
political parties and sports clubs
We don’t invest in the stock exchange and
speculative activities
We don’t support projects and companies that
harm the environment
We don’t promote consumer loans
We don’t sell loans, we build long-term
relationship with our clients
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September 2015
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Understanding agriculture
44%
Leader in lending to the agricultural sector
share in financing
agricultural producers
The first bank in Serbia to develop technology to
support a financial analysis of farmers
The share of agriculture in the total loan portfolio
is 27.3%
The share of EE agricultural loans is 46% in
total EE loan portfolio
ProCredit Bank has launched Agro Glasnik, a
magazine for farmers, which is published quarterly
and has a circulation of 20,000
Only 1.1% of ProCredit Bank loans to
agricultural businesses are in arrears,
compared with a market average of 20.58%
The bank for you
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September 2015
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Environmental management
Three-pillar approach to the Environmental Management
Internal Environmental Management System
Careful approach regarding better understanding
and improvement of sustainable energy use and
environmental impact of the bank.
Environmental and social risks management
in lending
In-depth analysis of all economic activities that
carry a potential risk to the environment and
rejection of loans that are involved in
environmentally risky activities and loans that are
on the list of excluded activities of our institution.
Green lending
Promotion
and
further
diversification
of
environmentally sustainable investments among
our clients.
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September 2015
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Investing in RE
6
millions €
for financing
renewables
Project financing
Engagement of Energy Auditors and
internal technical expert
Loans up to 2,500,000 EUR
Clients participation of minimum 20%
Maturity up to 144 months
Moratorium period 12 months + grace
period 12 months
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| September 2015
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PCB loans – mini biogas power plants
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Mini biogas power plant product
Up to
Years the ROI
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WHAT
Loans for mini biogas plants up to 100kW
WHY
PCB is known as the leader in financing of green
investments
Knowledge and experience regarding Project
Financing for renewables
Benefits of investing in renewable resources projects
Feed-in tariffs of 15.66 €/kWh
Suitable investment for small- and medium-size
farmers
FOR WHOM
Focus on the agro segment – agro clients with 60 or
more cows (small and medium farmers);
Business clients interested in this kind of investment
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Mini biogas power plants
Advantages to build biogas plants:
Agro/business client increases its profitability in terms of generating electric energy
for selling to power companies at feed-in tariffs
Additionally, waste products are raw materials for agricultural production i.e. liquid
fertilizer
Total costs are reduced by utilization of food remains and agricultural waste material
Example of financing:
Investment plan for 9 years – € 525,000.00
Average farmer – 103 cows
€ 420,000
Loan by PCB (80% of the investment)
€ 105,000
Client’s share (20% of the investment)
€ 4,786
Monthly instalment
€ 7,014
Monthly net profit
€ 26,736
Yearly difference in net profit/loan installment
€ 240,624
The remaining profit after 9 years
€ 493,128
Total profit after the expiration of feed-in tariff
7.5 yrs
Return on investment
Ownership under biogas plant
The bank for you
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September 2015
Average biogas plant operation
8,000 h/year
The loan is repaid at the end of
9th year, while profit is made
after the expiration of the feed-in
tariff after 12th year
Option for covering extraordinary
costs
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Partnership
builds
success!
Questions?
The bank for you
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September 2015
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