Micro Business Customers
A new Micro Business Approach
Micro business is important in almost every sector of the economy and it is the largest and the fastest growing segment
(by number) of the business community in the country.
Micro business provides service to micro-companies, craftsmen and free professions by offering them financial solutions
for their growing business. Erste & Steiermärkische Bank with the newly established Small entrepreneurship department
provides its clients with the individual approach of personal Micro business advisor whose purpose is to make their business
easier, based on the clients specific requirements, focused on the provision of payment operation, financing, crediting and
guaranteeing services.
All attention you need, regarding Micro business, you can find in Erste & Steiermärkische Bank through high-quality products,
expertise and remarkable service.
Micro Business Products and Services
| Product/Service | Your needs and requirements | Erste & Steiermärkische Bank offer |
|---|---|---|
| Payment Operations | Make transfer payments simply, quickly, easily and cheaply | HRK and/or foreign currency accounts |
| Cashless payments worldwide - the convenient way to make payments all over the world and obtain travel insurance | Credit cards | |
| Comprehensive service in financial operations for you and your staff | Account management for your company and its employees | |
| Business Finance/Lending Operations | Meet your short term financing requirements with efficiency and flexibility - the simplest way to gain increased financial flexibility | Working capital loans |
| Make long term investments in your company | Investment loans | |
| The ideal source of import/export finance | Import and export loans | |
| Financial Investments | If you are looking for low-risk investments for your surplus liquid funds at attractive interest rates | Call money and deposits in HRK and/or foreign currencies Treasury certificates and government bonds currencies |
| Treasury Products | Your opportunity to let your money work for you by making high-yield investments on capital markets | Treasury: spot and futures, securities, derivatives and forex transactions |
| Documentary Business | Fast and reliable execution of foreign payment transactions | Commercial letters of credit, Bank guarantees, Documentary collection |
| Electronic Banking services | Information regarding the usage of debit and/or credit cards through mobile phone (SMS) | Erste SMS Service for companies |
| Carry out standard banking transactions from a PC | Erste NetBanking, Erste Fon | |
| Erste Group | Investment banking | Erste Securities |
| Investment funds | Erste Invest | |
| Movable property and real estate leasing, "sale and lease back" | Erste & Steiermärkische S-Leasing S Immorent Leasing International Holding |
|
| Safe and sufficient income after retirement | Pension funds | |
| Life insurance | Erste insurance | |
| Short-term financing based on repurchase of undue Accounts Receivable | Erste Factoring | |
| Real estate brokerage and property appraisals | Erste Nekretnine Real Estate Agency |
