Bank’s existing clients or new ones facing cash flow problems related ONLY to the situation created due to enforced measures against COVID-19 and that fulfil the following criteria:

• Risk Share (principal only):
  – 70% of risk taken by ADGF for new clients of the Bank;
• Maximum loan ceiling amount: Euro 500,000 (or equivalent in Albanian Lek);
• Currency: ALL, FX only in exceptional cases;
• Loans:
  – Only new loans;
  – No refinancing or restructured existing facilities;
• In case of loans to existing borrowers, loan quality should be classified as normal and current;
• Concurrent Loans per business borrower are allowed if the existing loan balance has been settled without any delays;
• Loan types: working capital and overdrafts only (revolving credit lines if applicable);
• Maturity:
  – Working Capital: maximum 36 months;
  – Overdrafts: 12 months;
  – Investments Loans: maximum 84 months;
• Maximum borrower’s loan amounts: not to exceed EUR 1,000,000 (or equivalent in Albanian Lek)