SME Business. Solutions

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1 SME Bsiness Soltions

2 For more information, please contact SME Banking: Bahrain World Trade Center, East Tower 15th Floor Tel: Fax:

3 ABOUT BMI BANK We re a yong, dynamic Bahraini retail and commercial banking instittion. We offer or cstomers a comprehensive range of financial services, with a strong regional focs. Operating in Bahrain throgh a network of 8 branches, BMI offers cstomers access to 25 ATMs and award-winning internet banking. Or range of services inclde: Savings and crrent acconts Al Mazyona saving certificates Sapphire Premier Banking services Credit cards inclding Diners Clb and La Carte (a co-branded credit card in partnership with Geant Hypermarket Bahrain) Consmer and vehicle loans Mortgages Fixed deposits In addition to Retail Banking, BMI offers fll SME Banking, Premier Banking, Private Banking, Corporate Banking, Islamic Financial Services and Treasry Services. We re committed to being a stronger regional bank. BMI is registered in the Kingdom of Bahrain and reglated by the Central Bank of Bahrain. We also operate an Offshore Bank in Seychelles, a branch in Qatar and have a 21.33% shareholding in the Glf African Bank in Kenya. BMI owns Diners Clb Services Bahrain W.L.L and operates the Diners Clb cards franchise in Bahrain, Syria and Yemen. BMI shareholders inclde some of the strongest and most respected financial instittions across the GCC, inclding BankMscat. Rated Investment Grade, BMI maintains total eqity (share capital and reserves) of USD 341 million. BMI is prod to be a catalyst of domestic economic growth by providing services that are tailored to the specific reqirements of growing bsinesses like yors.

4 ABOUT SME BANKING At BMI or specialized SME Banking division has been designed to help yor local bsiness grow and florish. We tilize a relationship banking approach to doing bsiness. Yo will benefit from having an experienced Relationship Manager assigned to look after yor accont. They will help yo grow by first nderstanding yor bsiness and then providing yo with advice on which of the extensive range of prodcts and services available will best help yo achieve yor objectives. Or goal is to bild long term relationships with yo. Yor Relationship Manager will be on hand throgh the different cycles of yor bsiness, by providing flexible bsiness soltions that can be adapted as yor bsiness reqirements change. SME Banking provides complete banking soltions inclding trade finance prodcts (letter of credit, letter of garantee, trst receipts, etc), overdraft facilities, loans (term, ato, mortgage, etc), crrent/call acconts, fixed deposits and mch more.

5 A brief smmary of the prodct mix available with SME Banking: Sper Crrent Accont: Up to 2.0% interest rate per annm with an initial deposit reqirement of only BD 500. Unsecred Bsiness Installment Loan: Up to BD 25,000 nsecred term loan to finance yor working capital needs. Partially Secred Loan: Up to BD 100,000 partially cash secred facility to finance yor working capital needs. Term and Mortgage Loan: Up to BD 1 million flly secred facility to finance yor working capital needs and motor vehicle or property acqisition. Overdraft Facility: Up to BD 1 million flly secred overdraft facility to meet yor working capital needs. Global Trade Services: Up to BD 1 million in trade financing facilities that inclde letters of garantee and letters of credit. Crrent Accont: This featres minimm balance BD 300, free BMI Visa Electron Debit card, free net banking and access to cheqes. Fixed Deposits: Great rates on fixed deposits over a time period to sit yor reqirements. At SME Banking, we are continosly improving or prodcts and services and we encorage yo to visit or website: to see or latest p to date information. Alternatively, please contact or SME Banking division on or s at

6 Sper Crrent Accont A smarter way to manage yor money - the Sper Crrent Accont is an accont that combines the convenience of a crrent accont with the market beating interest rate of a savings accont. Banking has never been so rewarding. Featres Interest rate, p.a. Up to 2.0%, tiered Interest payment freqency Monthly Statement freqency Qarterly, free Teller cash withdrawal Free SMS Banking Free Net Banking Free Initial deposit reqirement BD 500 Crrency Bahraini Dinars *Standard charges apply for all other transactions. Interest Rates Average Monthly Balance Interest Rate*, % p.a. < BD 500 Nil BD BD 9, % BD 10,000 - BD 99, % BD 100, % * For individals & SME Receive a higher retrn on yor fnds by maintaining an Average Monthly Balance (AMB) of BD 500 only. Interest is calclated on AMB and will be credited on monthly basis. Non Maintenance charge of BD 3 will be levied if AMB is below BD 500 BMI reserves the right to revise rates / balance tiers at any time

7 Unsecred Bsiness Installment Loan A simple way to provide yo with capital to meet yor financing needs, withot the need to pledge secrity. Ideal for the prchase of land, eqipment, inventory and constrction activity. Featres Minimm loan amont BD 15,000 Maximm loan amont BD 25,000 Tenre Up to 5 years All loans are granted at the sole discretion of BMI APR (Annal Percentage Rate) for loan of BD 25,000 over 60 months is 17.31% p.a. Partially Secred Loan Another simple financing soltion to help yo flfill yor bsiness plans. The partially secred loan is a simple way of raising capital to finance yor bsiness. Featres Minimm loan amont BD 15,000 Maximm loan amont BD 100,000 Tenre Up to 5 years Acceptable collaterals Cash All loans are granted at the sole discretion of BMI APR (Annal Percentage Rate) for loan of BD 100,000 for 60 months is 11.25% p.a.

8 Term Loans Perfect if yo reqire financing to prchase eqipment or for working capital reqest for a term loan to meet yor bsiness needs. Featres Minimm loan amont BD 50,000 Maximm loan amont BD 1 million Tenre Up to 5 years Acceptable collateral Real Estate, Cash, Stock All loans are granted at the sole discretion of BMI APR (Annal Percentage Rate) for loan of BD 1,000,000 for 60 months is 10.17% p.a. Mortgage Loans Ease yor path to flfill yor ftre needs for the prchase of a new bilding or constrction of yor own facility reqest for a mortgage loan to meet yor financial needs. Featres Minimm loan amont BD 50,000 Maximm loan amont BD 1 million Tenre Up to 10 years Acceptable collateral Real Estate, Cash, Stock All loans are granted at the sole discretion of BMI APR (Annal Percentage Rate) for loan of BD 1,000,000 for 120 months is 10.30% p.a.

9 Ato Loan Prchase the vehicle that yo or yor bsiness need with the choice of new or sed vehicles from ato manfactrers and dealerships - reqest for or ato loan to meet yor needs. Minimm Loan Amont BD 3,000 Maximm Loan Amont BD 75,000 per indstrial vehicle/trck/dmper Vehicle Age Maximm Tenre Tenre Brand New 7 years Used Vehicles 5 years All loans are granted at the sole discretion of BMI APR (Annal Percentage Rate) for loan of BD 75,000 for 84 months is 10.31% p.a. Overdraft facility Or overdraft facility provides yo with the flexibility to meet yor cash flow needs withot a fixed monthly commitment. Featres Minimm loan amont BD 50,000 Maximm loan amont BD 1 million Tenre Renewed annally Acceptable collateral Real Estate, Cash, Stock

10 Application Processing Reqirements for: Unsecred Bsiness Installment Loan Partially Secred Loan Please provide the following to ensre prompt processing of yor application: Completed application form Bank certified copy of CR Bank certified copy of CPR and passport 6 month bank statements Otstanding liability statement Bank certified copy of latest tility bill Any additional spport information to spplement yor application inclding adited financials, contract in hand, etc Application Processing Reqirements for: Term Loans Mortgage Loans Ato Loans Overdraft facility Please provide the following to ensre prompt processing of yor application: Completed application form Bank certified copy of CR Bank certified copy of CPR and passport 12 month bank statements Otstanding liability statement Bank certified copy of the title deed, if applicable Any additional spport information to spplement yor application inclding adited financials, contract in hand, etc

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