Vsebina

Probanka Financial Group is a modern Slovene financial institution employing over 300 people, and is, in terms of total assets and assets under management, classified in the middle of the banking system and mutual fund players. The internal organisation, which provides flexibility and quick response, puts focus on customers to whom it offers complete financial solutions. The Financial Group is comprised of Probanka d.d. and its subsidiary companies.

We at Probanka amended our development strategy in 2010 in view of the changed expectations as regards financial and economic developments, and in view of the changed regulatory requirements pursuant to Basel III. In the future, we will remain active in three operating segments: banking, management of client assets and of investments funds, and leasing. We will cover seven geographical segments in Slovenia with 13 branch offices and a leasing company in Croatia. Our competitive advantages will be our individual approach to clients and high-quality financial services provided by skilled, continuously learning and motivated employees. We will continue to develop products and services reflecting client needs, as well as to maintain superior technical support, rationalising our organisation and developing our two market channels (smart and friendly branch offices on the one hand and simple-to-use e-banking on the other). Our main target segments will remain small and medium enterprises and individuals who expect their relationship manager to be able to offer them a comprehensive range of financial services.

We have defined our financial targets so that we can revitalise long-term shareholder value, that is to say increase our equity and on this basis the volume of interest-bearing transactions; conservatively manage our investment portfolio and all types of risks; and increase our costs effectiveness. Our risk profile dictates that we reduce the risks associated with large exposures and equity securities. Equity will be increased first by newly paid-in capital and subsequently from profits earned by the Bank, so that the Bank’s original own funds always exceed 8% of its risk assets. This will also ensure the Bank’s long-term safety and stability of operations.

The 2010-2014 development strategy of the Probanka Financial Group was adopted by the Bank’s Supervisory Board. It covers not only the Probanka Financial Group as a whole, but also Probanka, d.d. and its subsidiaries separately.
At the Probanka Financial Group, we follow a strategy aimed at strengthening our market and financial position in the Slovenian market. Comprehensively developing commercial and investment banking services, we are able to cover those niches in the domestic market that allow us to offer financial services with higher added value. For our clients, this means that they can find a complete financial solution all in one place. The communities where we operate also benefit from our presence thanks to this business model.
Our strategic objectives are the following:
• to increase the value of the Bank and thus long-term value for our shareholders and all other stakeholders;
• to offer the highest-quality services and to build relationships that exceed the expectations of even our most demanding clients; and
• to have a business model that makes us useful in the communities where we operate.

We implement our strategy through our skilled, committed and objective-oriented employees.

The Probanka Financial Group with its skilled, highly-motivated and committed employees, as well as with the most advanced technology, creates a business excellence environment for its clients, shareholders and employees. The communities where it operates also benefit from its presence thanks to this business model.
Constantly expanding its range of financial products and services that meet the highest standards, the Probanka Financial Group satisfies its clients’ needs and wishes. Our clients can count on receiving the highest-quality banking and complementary services that exceed their expectations.

Our vision is to be a medium-sized universal bank, recognisable in Slovenia for personal and private banking. This implies the highest quality of products and services, as well as of client relationships.

Employees of the Probanka Financial Group accomplish the above mission by consistently respecting the following values:
• professionalism and competency,
• trust and discretion,
• knowledge and innovativeness,
• personal integrity and ethics.