Partners

Komerční banka cooperates with important organizations and associations. We are searching for partners in all client segments.

The objective of this cooperation is to deliver added value to our clients. These mutually advantageous partnerships help us to better understand the needs of our current and potential clients and offer them more benefits and new services.

Českomoravská záruční a rozvojová banka, a.s.

Českomoravská záruční a rozvojová banka, a.s. (“ČMZRB”) was established in 1992 as a joint stock company owned by the State as well as major Czech banks. ČMZRB, in agreement with economic policy of the Czech Republic supports the development of small and medium-sized business, infrastructure and other economic sectors requiring public support.

Support areas offered by ČMZRB:

• Support of small and medium-sized contractors in the form of preferential credits, making use of resources of the state budget, structural funds and regions
• Support to the owners of prefabricated apartment buildings during their Reconstruction – Program Panel
• Preferential credits for water management projects.

ČMZRB and Komerční banka

From the viewpoint of total number and volume of the backed credit transactions, Komerční banka is traditionally the most important partner to ČMZRB.

The support in relation to the credits of Komerční banka may have the form of bank guarantees given in order to increase the availability of commercial credits. Clients can thus take advantage of commercial credits even if they do not possess the necessary collateral.

In the case of Program Panel, we, as part of our cooperation of ČMZRB, also provide subsidies for interest refund that decreases the financial burden of prefabricated apartment buildings owners when paying back banking credit.

You can find detailed information about ČMZRB as well as about the support programs, including the appropriate application forms, on http://www.cmzrb.cz.

Podpůrný a garanční rolnický a lesnický fond, a.s.

Podpůrný a garanční rolnický a lesnický fond, a.s. (the “Fund”) was established in 1994 as a State-owned joint-stock company. In the course of its activities, it became an important part of support for the agriculture sector.

The main object of the Fund’s activities is credit interest subvention and granting company credits guarantee in the following areas:

• Agriculture
• Forestry
• Water resource management
• Agricultural production processing

The FUND and Komerční banka

Traditionally, Komerční banka is one of the most important Fund partners in terms of the number and volume of credit transactions supported by the Fund.

Assistance granted by the Fund related to company credits provided by Komerční banka, are as follows:

a) Guarantee (surety declaration)

The Fund's guarantee increases the possibilities available to the client to secure credit. This is a simple tool allowing access to credit in cases where the client does not possess any other sufficient security.

b) Interest subsidies

Interest subsidies decrease the burden when repaying commercial credit, improves cash flows and thus the clients’ ability to repay banking credit without any troubles.

You can find the conditions for the provision support as well as other details in the actual wording of the various Programs. You can find Information about the Fund’s Programs and other information, including application forms on http://www.pgrlf.cz/pgrlf/menu_programy.php.

Small- and Medium-Enterprise Ratings by the Prague Economic Chamber

The Prague Economic Chamber supports business activities including promoting and protecting business interests. In business matters, the Chamber is the partner of the Czech Republic government, the state administration and local governments. The members of the chamber include large, medium and small businesses as well as entrepreneurs.

The Prague Economic Chamber and Komerční banka

Komerční banka and the Chamber of Commerce have been cooperating on the Small- and Medium- Enterprise Ratings Project since June 2004.

This project enables Czech enterprises with annual turnover between CZK 6 million and 500 million to have the condition of their business rated on a seven-point scale.

The purpose of the project is to help companies gain access to an objective and professional evaluation of their business activities. Currently, enterprises can apply for the SME Rating at over 70 contact points of The Economic Chamber located throughout the Czech Republic.

Rating MSP and Komerční banka

Clients who submit the SME Rating when applying for a business loan from KB will receive a discount on the application processing fee equaling the sum they paid to obtain the SME Rating.

For more information on the Prague Economic Chamber, the SME Rating and other projects, visit the following websites: www.hkp.cz, www.ratingmsp.cz.

Export Club Czech Trade

The Czech Trade Export Club has been Komerční banka’s official partner since the beginning of 2004. The aim of this cooperation is to promote and develop Czech exports abroad and expand export training for Czech companies.

The mission of Czech Trade Export Club is to support export and improve the competitiveness of Czech companies and entrepreneurs abroad by utilizing the direct services of its foreign branches. Czech Trade focuses on improving the exporting abilities of Czech companies; to achieve this objective, offers direct services through its foreign offices.

OZP-Industrial Health Insurance Company for Employees of Banks and Insurance Companies

In cooperation with Oborová zdravotní pojišťovna (OZP), KB has prepared a comprehensive range of products for clients in the health sector.

The marketing-related cooperation enjoyed by both companies is aimed at provided services to physicians. KB now provides clients with access to health insurance portals using a KB Personal Certificate.

In other words, for electronic communication with OZP, invoicing and other activities, clients from the ranks of physicians can utilize the highly secure system of the certificate available to all directing banking users of KB.

ISIC Student Card

ISIC is the only internationally recognised document proving the status of a student of a secondary school (high school, vocational school, grammar school), a college or a university. The card is issued by the ISIC world organisation under the aegis of EU and UNESCO.

The ISIC card holder enjoys the following benefits:

• Internationally recognised student status
• More than 42 000 discounts on cultural events, travelling, transport, or entrance fees to monuments in 124 countries around the world
• Discounts at more than 2 300 locations in the Czech Republic

Every holder of a newly opened G2.2 student account will receive a contribution of CZK 200 from Komerční banka for a valid ISIC card.

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