Ohridska Banka AD Skopje : Plan for house - New housing loan of Ohridska Banka Societe Generale with 10 years fixed interest rate

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PRESS RELEASE

Skopje, 20 April 2016

"PLAN FOR HOUSE" -NEW HOUSING LOAN OF OHRIDSKA BANKA SOCIETE GENERALE WITH 10 YEARS FIXED INTEREST RATE

As of today, Ohridska Banka Societe Generale introduces new, unique and by all its characteristics, most competitive offer for housing loan with credit life insurance on the market. Only with the housing loan of Ohridska Banka Societe Generale "Plan for house" intended for purchasing, renovating or building real estate clients receive: fixed interest rate for the first 10 years with a fixed interest rate of 3.75% in the first two years and secured and favorable interest rate of 5.95% from the third to the tenth year, with maximum payment period of 30 years.

"With the new housing loan "Plan for house" Ohridska Banka Societe Generale goes one step beyond in terms of transparency and quality of its housing loan offer in order to satisfy the wish of all interested residents to get a new home easily, at unique favorable and very clear terms; OBSG was the first Bank to propose 5 years of fixed interest rates for Housing loans. With Plan

for House, OBSG offers now again the longest fixed rate period on the market of 10 years at best interest rates conditions without any administrative fees for loan approval and without cost for the estimation of the property"

Our priority is the clarity, the stability and the security provided by our offer to our clients.

All clients choosing this new housing loan solution in OBSG in 2016 will know very clearly their installment until 2026, without any future surprise or hidden cost. This facilitates the plans!" - emphasizes Stephane Touati, Member of the Management Board, heading Retail Banking and Marketing Division at Ohridska Banka Societe Generale.

With the fixed interest rate for the first 10 years, the clients of Ohridska Banka Societe Generale are sure in the amount of the installment they pay. Therefore, for example, for a credit amount of 30,000 euros on 20 years, the monthly installment with credit life insurance during the first two years is 185 euros, and from the third to the tenth year is guaranteed to be 218 euros per month.

Additionally and promotionally until July 10th this year, Ohridska Banka Societe Generale provides an opportunity to its clients who will apply for the new loan " Plan for house " to choose between the two packages for life insurance as follows: the basic package for credit life insurance with an insurance premium of 0.44 % of the loan amount annually and the whole package for credit life insurance, with insurance premium of 0.85% of the loan amount annually.

About OBSG: Societe Generale is a strategic partner of Ohridska Banka since May 2007 and represents 70.02% of the total capital of the Bank, while the remaining 29.98% is owned by legal entities and individuals. OBSG constantly increases its financial potential and the total assets and the Bank is ranked fourth in the banking system of the country. The development of the Bank is dynamic and it marks grew in the volume of operations. OBSG continuously enriches its portfolio of financial products and services, at the same time expanding the scope of activities and number of clients. Тhe world famous Global Finance named Ohridska Banka Societe Generale the best bank from Macedonia for 2015 at the World's Best Emerging Markets Banks for Central & Eastern Europe.