The Unibank’s credit portfolio made up $11,7 million for 1 September 2003, which is by 10 percent exceed that of the early second half a year. The main factors ensuring the drastic portfolio growth is the consumer crediting program being implemented by the bank. By 1 September 2003, consumer credits portfolio has exceeded $1,9 million. It is twice as much as that of the early 3rd quarter. The successful program’s realization is stipulated by the beneficial terms of allotted credits and simplified credit inquiry procedure and subsequent credit allocation. The bank realizes credits in three major directions: car purchase credit, furniture purchase credit and credit for office and domestic equipment. The volume of credit portfolio for cars has totaled $853 thousand by September 1, for furniture - $22 thousand, for office and domestic equipment - $77 thousand. The credits are provided for 18 months at 24-26 annual interest rates. The credits are given from 60 to 70 percent of the good value.

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