ANNUAL REPORT 2011 - Magyar Fejlesztési Bank Zrt.

4. hitelprogramok ❙
16 billion in Stages I and II. At present, the Programme offers
working capital loans of a maximum of HUF 200 million maturing
in no more than 5 years to agricultural producers at market terms
(3 month BUBOR + max. 4% p.a.). Enterprises can apply for loans at
participating credit institutions or directly with MFB since April
2010, provided the amount requested is below HUF 50 million.
MFB Agricultural Vis Maior Working Capital
Loan Programme
MFB continued to expand its set of instruments designed to
particularly in an attempt to improve the competitiveness of
agricultural production, animal husbandry and the production of
high quality produce by financing the working capital requirement
of farming operations. Companies pursuing animal husbandry
and crop production and producers active in the poultry and
pig sectors holding reference letters from a nationwide advocacy
organ or a public body and a production agreement may apply to
the Programme for a working capital loan. Applicants may request
loans denominated in HUF earning interest on a EURIBOR basis
for a term of 3 years with 1 year grace. Altogether 31 applications
n n
finance agricultural enterprises by creating a preferential working were approved under this loan arrangement to the tune of HUF
n
capital loan option maturing over a year to bridge the liquidity prob- 1 billion by the end of 2011.
Forrás: ECB
lems of farmers hit by unfavourable weather phenomena in 2010.
MFB announced its MFB Agricultural Vis Maior Working MFB Frost Damage 2011 Working Capital
szinten Capital Loan kb. 1 Programme százalékpontot with an emelkedtek allocation a of vállalati HUF 6 billion forinthitel and évi Loan gyengülése Programme és a devizahitelek magas aránya következtében
kamatok with 26 November (az 1−5 2010 éves as kölcsönök the effective kamata date. To átlagosan acknowledge 10,10%, the a Based forintban on a nyilvántartott Government hitelállomány decision, the 1,8%-kal Bank announced bôvült. its MFB
az high ennél level hosszabb of utilisation, hitelek the Bank kamata increased 9,45% the volt allocation decemberben), to HUF Frost Az Damage MFB vállalati 2011 Working felmérései Capital (MFB-INDIKÁTOR) Loan Programme a vállalati with an
míg 11 billion az euróban as of 26 nyújtott April 2011. hitelek Farmers esetében may apply mintegy for loans 50 bázispontos
the size volt a of növekedés the farming mértéke land that (2011 sustained utolsó hónapjában damage and 4,33, the working és a forráskereslet capital loans csökkenésébôl with terms supported fakad, s by késôbbre the Government. tolhatja
based allocation szektor „hibernálódását” of HUF 8 billion jelzik, in January ami a 2012 forráshiány to provide fokozódásából preferential
illetve (number, 3,97% type, volt age and az 1−5, sex of illetve the) animals legalább that 5 died éves off. kölcsönök The loan Loans a beruházások are available elindulását, under the a Programme magyar gazdaság for businesses fellendülését. acting
átlagos amount is kamatszintje). limited to HUF A 200 vállalati thousand forrásköltségek per hectare of regionálisan plough field A as forráshiány primary producers általános of erôsödését agricultural mutatja, products hogy to 2011. mitigate tavasz the
továbbra and pasture is land magasnak per client, mondhatóak: to HUF 500 thousand Szlovákiában per hectare 4,04%, of és losses ôsz of között enterprises nemcsak that sustained a kisvállalatok, frost damage hanem in a spring közép- 2011 és
Csehországban plantation and to 4,11%, HUF Lengyelországban 200 thousand per 6,71%, animal. Romániában The loan nagyvállalatok by supporting production között is megkétszerezôdött and current operations a folyó with kiadások working
10,84% amount may volt vary decemberben between HUF az 5 1-50 évnél million. hosszabb Loans futamidejû may be fedezése capital. MFB érdekében effects advance külsô forrásra payment szoruló of the vállalatok nominal interest, aránya,
hitelek backed kamata. by on-demand first payment guarantees provided by ugyanakkor service charges a súlyosbodó and any other forráshiány cost related ellenére to a extending vállalatoknak and
the Rural A magyar Credit bankrendszer Guarantee Foundation. vállalatoknak, The illetve total loan önkormányzatoknak
approved in nyújtott the loan hiteleinek programme állománya in 2011 reached 1,8%-kal HUF nôtt, 9.8 billion, illetve valószínûleg State shall bear forrásbevonást all such costs. a Borrowing felmérést követô enterprises 12 hónapban, receive 100% ami
amount csupán maintaining ötöde the tervezett loans under ôsszel the biztosan, Programme, s további and ötöde the Hungarian hajt végre
0,8%-kal bringing the csökkent level of utilisation 2011-ben. to 90% A nem by year pénzügyi end. vállalatok trendfordulót government support jelent a korábbi in respect növekvô of such forráskereslethez interest, service képest. charges
2011-ben mind forintban, mind devizában nettó hiteltörlesztôk and procedural costs from funds provided by the Minister of Rural
voltak, MFB Agricultural a tranzakciók Working alapján Capital elôbbi Loan volumene Programme 19,9, utóbbi Development. Furthermore, in case the individual reference rate
271,1 To cater milliárd for farming forinttal companies, csökkent, azonban the Bank a announced hazai deviza its 2011. MFB applicable to the business is higher than the nominal interest rate,
Agricultural Working Capital Loan Programme on 3 May 2011 the business also qualifies for preferential interest supported
MFB
ANNUAL REPORT 2011 39