100 YEARS EXPERTISE

EXIM was created by a consortium of co-operative organizations within the USA and Europe. Its main intention is to harness the financial resources  from all walks of life and from all regions of the world with the expressed purpose of transforming the economy of our customers and providing a significant boost to economic activity. It is intended to introduce a new approach to investing abroad.

Banking

We have highly-trained experts for both domestic and international banking. We understand the importance of being able to fully rely on your banking services provider. You may need to open a new savings or checking account as you move to another country, or if you relocate your business. You may need a line of credit with very favorable terms. You may have plans to buy a new house. Whatever your banking needs may be, EXIM covers them all and you can be confident knowing you put your trust into real experts who will always be by your side.

Investment Banking & Banking for Foreign Citizens

Banking Division meets the needs of high net worth clients with extremely high standards. These individuals and their families maintain lifelong relationship with the partner banks from EXIM Development, which is based on consistent positive experience and the personal attention that their investment and money management needs require. Traditionally, products and services in this area include U.S. checking, and saving accounts, safe deposit boxes, credit cards, personal loans and secured lines of credit. Clients for those types of service come from all around the world, including the Eastern European countries and the Balkans.

Commercial Investment & Banking Division

The Commercial Investment & Banking Division, through its “relationship managers,” helps small and medium size businesses meet ongoing challenges and opportunities. Fast answers, flexible programs, and consistent service promote business growth. Typical credit services include working lines of credit that enables a business to carry receivables and inventory balances, take advantage of discount purchases, and obtain expansion capital for financing equipment and other capital items. This division is focused on expanding its business in Eastern Europe, while maintaining a commitment to its existing customers.

Letter of Credit GENERAL PROVISIONS AND DEFINITIONS

1. These provisions and definitions and the following articles apply to all documentary credits and are binding upon all parties thereto unless otherwise expressly agreed.
2. For the purpose of such provisions, definitions and articles the expressions “documentary credit(s)” and “credit(s)” used therein mean any arrangement, however named or described, whereby a bank (the issuing bank), acting at the request and in accordance with the instructions of a customer (the applicant for the credit),
   1. Is to make payment to or to the order of a third party (the beneficiary), or is to pay, accept or negotiate bills of exchange (drafts) drawn by the beneficiary; or
   2. Authorizes such payments to be made or such drafts to be paid, accepted or negotiated by another bank, against stipulated documents, provided that the terms and conditions of the credit complied with.
3. Credits, by their nature, are separate transactions from the sales or other contracts on which they may be based and banks are in no way concerned with or bound by such contracts.
4. Credit instructions and the credits themselves must be complete and precise. In order to guard against contusion and misunderstanding, issuing banks should discourage any attempt by the applicant for the credit to include excessive detail.
5. The bank first entitled to exercise the option available under Article 32 b shall be the bank authorized to pay, accept or negotiate under a credit. The decision of such bank shall bind all parties concerned. A bank is authorized to pay or accept under a credit by being specifically nominated in the credit.A bank is authorized to negotiate under a credit either:
   1. By being specifically nominated in the credit, or
   2. By the credit being freely negotiable by any bank.
6. A beneficiary can in no case avail himself of the contractual relationship existing between banks or between the applicant for the credit and the issuing bank.

Consultation

Our consulting services are always tailored to your needs and your specific situation. As always, we are dedicated to you, our client and you can always choose EXIM consulting services with confidence.

Feasibility Study United Nations Industrial Development Organization INVESTMENT STUDIES

Summary Guidelines for EXIM Development Corporation contracted by UNIDO for the preparation of pre-feasibility studies and feasibility studies.

EXECUTIVE SUMMARY

The Executive Summary should summarize the conclusion and recommendations covering all critical aspects of the study and should hav e the same structure as the body of the feasibility study report.

Project Background and Basis Idea

* Project Background
* Name(s) and address(es) of project promoter(s)
* Project Strategy
* Project History
* Economic and industrial policies supporting the project
* Market Analysis and Marketing Strategy

Summarize results of market analysis

* Demand
* Project sales
* Explain marketing strategy
* Target markets

Raw Materials and Supplies

Describe general availability of:

* Raw materials (unprocessed and semi-processed)
* Processed industrial materials and components
* Auxiliary materials
* Factory Supplies
* Utilities
* Spare parts
* List annual supply requirements of material inputs and provide cost estimate

Location, site and environmental assessment

* Describe location and plant side
* Present summary of environmental impacts

Engineering and technology

* Outline production program and plant capacity
* Describe technology selected
* Summarize main plant items (equipment etc.), their amiability and cost
* Describe the layout and scope of the project
* Describe requirements major civil engineering works

Organization and Overhead Costs

* Describe basic organizational design and management

Human Resources

* State selected type and size of labor force
* State selected type and size of staff
* Indicate their costs, amiability, training needs, etc.

Implementation Planning and Budgeting

* Indicate duration of plant erection and installation of equipment
* Indicate duration of production start-up and run-in period
* Identify actions critical for timely implementation

Financial Appraisal

* Total Investment Cost
* List major investment data in local currency and foreign exchange, as needed, for:

Land and site preparation

+ Structure and civil engineering works
+ Plant machinery and equipment
+ Auxiliary and service plant equipment
+ Incorporated fixed assets
+ Pre-production capital costs
+ Net working capital requirements
= Total Investment Costs

Project financing (assumed)

* Source of finance
* Impact of cost of financing and dept. servicing on project proposal
* Financial structure ratios

Total costs of product sold

List annual data for:

Factory costs

+ Administrative overhead costs
= Operation costs
+ Marketing costs
+ Depreciation
+ Financial costs
= Total costs product sold

Financial Analysis

* Net Present Value (NPV)
* Internal Rate of Return (IRR)
* Pay-back period
* Simple rate of return
* Break-even analysis
* Sensitivity analysis
* Economic Cost-Benefit Analysis

Summary of conclusion of project appraisal from the national economic point of view. Only important issues in favor or against the project that could convince the decision maker on the merits/demerits of the project to be presented

* Economic Net Present Value (ENPV)
* Economic Internal Rate of Return (EIRR)

Conclusion

* Major advantages of the project
* Major disadvantages of the project
* Chances of implementing the project

Letter of Credit GENERAL PROVISIONS AND DEFINITIONS

1. These provisions and definitions and the following articles apply to all documentary credits and are binding upon all parties thereto unless otherwise expressly agreed.
2. For the purpose of such provisions, definitions and articles the expressions “documentary credit(s)” and “credit(s)” used therein mean any arrangement, however named or described, whereby a bank (the issuing bank), acting at the request and in accordance with the instructions of a customer (the applicant for the credit),
   1. Is to make payment to or to the order of a third party (the beneficiary), or is to pay, accept or negotiate bills of exchange (drafts) drawn by the beneficiary; or
   2. Authorizes such payments to be made or such drafts to be paid, accepted or negotiated by another bank, against stipulated documents, provided that the terms and conditions of the credit complied with.
3. Credits, by their nature, are separate transactions from the sales or other contracts on which they may be based and banks are in no way concerned with or bound by such contracts.
4. Credit instructions and the credits themselves must be complete and precise. In order to guard against contusion and misunderstanding, issuing banks should discourage any attempt by the applicant for the credit to include excessive detail.
5. The bank first entitled to exercise the option available under Article 32 b shall be the bank authorized to pay, accept or negotiate under a credit. The decision of such bank shall bind all parties concerned. A bank is authorized to pay or accept under a credit by being specifically nominated in the credit.A bank is authorized to negotiate under a credit either:
   1. By being specifically nominated in the credit, or
   2. By the credit being freely negotiable by any bank.
6. A beneficiary can in no case avail himself of the contractual relationship existing between banks or between the applicant for the credit and the issuing bank.

Government Relations

EXIM Development Corporation demonstrated its dedication to the community by maintaining very close relations with numerous government institutions, non-profit organizations and agencies. For instance, we actively cooperate with the United Nations, city governments and chambers of commerce.

Members

EXIM Development Organization has many organizations as its members, including the numerous research organizations, medical institutions, and non-profit organizations.