Survey of money transfer maket in Azerbaijan ZAMINBANK (Azerbaijan)

Survey of money transfer Survey of money transfer maket in Azerbaijanmaket in Azerbaijan

ZAMINBANK (Azerbaijan)

Money transfer systemsMoney transfer systems

Market for money transfers as one of the most rapidly developing segments of retail financial market.

There are approximately 20-30 money transfer systems that operate in Azerbaijan, the CIS and Baltic countries.

Money transfer systemsMoney transfer systems((continuedcontinued))

The leading banks of the republic are participants of the following money transfer systems: Western Union, Contact, Bistraya Pochta, Zolotaya Korona, Caspian Money Transfer, Lider, Blizko etc.

The number of funds transfers to AzerbaijanThe number of funds transfers to Azerbaijan((in thousandsin thousands))

81.1 77.285.3

97.9 95.7

113.3

126.2 124.4 125.5119.5

100.3

124.7

89.6

0.0

20.0

40.0

60.0

80.0

100.0

120.0

140.0

2009 2010

Number

The volume of funds arrived in AzerbaijanThe volume of funds arrived in Azerbaijan((in millionsin millions))

45.1

52.7

0.0

10.0

20.0

30.0

40.0

50.0

60.0

70.0

80.0

2009 2010

Volume

The number of funds transfers from AzerbaijanThe number of funds transfers from Azerbaijan((in thousandsin thousands))

27.2

29.9

23.8

26.8

22.5

27.4 26.6 27.4

21.5 22.120.9

27.7

18.1

0.0

5.0

10.0

15.0

20.0

25.0

30.0

35.0

2009 2010

Количество

The volume of funds sent from AzerbaijanThe volume of funds sent from Azerbaijan((in millionsin millions))

8.8

146

0.0

2.0

4.0

6.0

8.0

10.0

12.0

14.0

16.0

18.0

20.0

2009 2010

Volume

The general breakdown of money transfers turnover The general breakdown of money transfers turnover among all systems operating in Azerbaijanamong all systems operating in Azerbaijan

Caspian MT

Others

CASPIAN CASPIAN

MONEY MONEY

TRANSFERTRANSFER

it takes just 5 minutes to transfer fundsit takes just 5 minutes to transfer funds

it is possible to transfer funds in Azerbaijani it is possible to transfer funds in Azerbaijani manats, American dollars, roubles and eurosmanats, American dollars, roubles and euros

commission fee is commission fee is 11..5% - 2%5% - 2%

the Recipient is not charged any commission feethe Recipient is not charged any commission fee

Being connected to the Being connected to the СМТ СМТ system, you can offer your system, you can offer your customers a new service which will help to attract new customers customers a new service which will help to attract new customers in a short timein a short time. . You don’t incur any additional expences when You don’t incur any additional expences when you get connected to theyou get connected to the СМТ СМТ systemsystem. .

The required software is provided FREE OF CHARGEThe required software is provided FREE OF CHARGE!!

The major competitive advantage of the The major competitive advantage of the СМТ СМТ system over its system over its rivalling systems is low tariffsrivalling systems is low tariffs: : 1.5% - 2%1.5% - 2%

Your revenue makes up Your revenue makes up 40 %40 % of the commission on of the commission on sent/received transfers.sent/received transfers.

THE SERVICE GEOGRAPHYTHE SERVICE GEOGRAPHY

The The Caspian Money TransferCaspian Money Transfer system operates system operates

inin 19 19 countries of the world and countries of the world and

expands the geography of its activity day by dayexpands the geography of its activity day by day

We are constantly focused on ensuring We are constantly focused on ensuring convenience for our customersconvenience for our customers

and enhancing the quality of our servicesand enhancing the quality of our services..

AzerbaijanAzerbaijanRussiaRussiaTurkeyTurkey

GeorgiaGeorgiaUzbekistanUzbekistan

KazakhstanKazakhstanTajikistanTajikistan

KyrgyzstanKyrgyzstanBelarusBelarusUkraineUkraine

LatviaLatviaRumuniaRumuniaMoldovaMoldova

ItalyItalySpainSpain

Great BritainGreat BritainGreeceGreeceChinaChinaUAEUAE

The dynamics of funds transfers The dynamics of funds transfers through thethrough the СМТ СМТ systemsystem

over over 2008-20102008-2010

031.12.08 28.02.09 30.04.09 30.06.09 31.08.09 31.10.09 31.12.09 28.02.10 30.04.10

Line 2

The dynamics of volume of funds The dynamics of volume of funds transfers through thetransfers through the СМТ СМТ system system

over over 2008-20102008-2010

0

500

1000

1500

2000

2500

3000

3500

4000

31.1

2.20

08

31.0

1.20

09

28.0

2.20

09

31.0

3.20

09

30.0

4.20

09

31.0

5.20

09

30.0

6.20

09

31.0

7.20

09

31.0

8.20

09

30.0

9.20

09

31.1

0.20

09

30.1

1.20

09

31.1

2.20

09

31.0

1.20

10

28.0

2.20

10

31.0

3.20

10

30.0

4.20

10

Line 1