Partners

In the process of caring for its clients, 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 a valued added 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. (hereinafter referred to as "ČMZRB") was established in 1992 as a joint stock company owned by the State as well as major Czech banks. ČMZRB is, in agreement with economic policy of the Czech Republic and regions, supporting the development of small and medium-sized business, infrastructure and other economic sectors requiring public support.

Support areas offered by ČMZRB:

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 guarantee given in order to increase commercial credits availability; in addition, in the case of Program Panel it s also subsidies for interest refund that decreases financial load of prefabricated apartment buildings owners within banking credit repayment.

Detailed information about ČMZRB as well as about the programs of backings, including appropriate requesting forms you will find on http://www.cmzrb.cz.

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

Podpůrný a garanční rolnický a lesnický fond, a.s. (hereinafter referred to as "Fund") was established in 1994 as a State-owned joint-stock company. In the course of its activities, it became an important part of backings in agricultural section. The main object of the Fund activities is credits interests subvention and giving company credits guarantee in the section of agriculture, forestry, water resources management and the industry dealing with the processing of agricultural production. Traditionally, Komerční banka is one of the most important Fund partners from the standpoint of a number and volume of credit transactions supported by the Fund.

Backings given by the Fund, as related to the company credits given by Komerční banka, are as follows:

a) guarantee (surety declaration)

Fund's guarantee increases client's possibilities of credit's security. This is a simple tool allowing access to the credit in the cases when the client does not have any other sufficient own security.

b) interest subsidies

Interest subsidy decreases installments load during commercial credit, improves client´s cash flows and thus his/her ability of paying the banking credit without any troubles.

Backing provision conditions as well as other details can be found in the actual wording of individual Programs. The information about Fund Programs as well as other information including application forms you will find on http://www.pgrlf.cz/pokyny/programy.php.

The 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.

As of June 2004, Komerční banka and the Chamber of Commerce have been cooperating on the Small- and Medium- Enterprise Ratings Project. This project enables Czech enterprises with annual turnover between CZK 6mn to 500mn to have the condition of their business rated on a seven point scale. The purpose of the project is to assist companies in gaining 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.

As part of a special offer, 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 Ratings and other projects, visit the following websites:
www.hkp.cz, www.ratingmsp.cz

Export Club Czech Trade

Following the signing of a Cooperation Agreement with KB at the beginning of 2004, the Czech Trade Export Club became our official partner in promoting and developing Czech foreign export. Its mission is to support export and increase the competitiveness of Czech companies and entrepreneurs abroad by utilizing the direct services of its foreign branches.

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

KB have prepared a comprehensive range of products for clients in the health sector, particularly physicians. OZP cooperates with KB in the area of marketing directed on physicians. Clients can now access their health insurance portals using a KB Personal Certificate. In other words, for electronic communication with OZP, invoicing and other activities, clients can utilize a highly secure system of KB Personal Certificate available to all directing banking users of KB.

ISIC Student Card

ISIC is the only internationally recognised document proving the status of student of a secondary school (high school, vocational school, grammar school), a college or a university. The card is issued by the ISTC world organisation under the aegis of EU and UNESCO. The ISIC card holder - besides the internationally recognised student status - may benefit from more than 38 000 discounts on cultural events, travelling, transport, monuments in 118 countries around the world. Discounts in more than 1 500 places in the Czech Republic.

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