Banka Sparkasse is part of the Erste and Sparkasse Group, which has been one of the largest financial groups in Central and Southeastern Europe for more than 200 years. It has been present on the Slovenian market since the independence of Slovenia, and our first important historical milestone is 1999, when Kärntner Sparkasse received a license as a Branch and thus institutionalized its existence on the Slovenian financial market. This was followed by the expansion of ouroffer, which initially included financing of small and medium-sized companies and loans for construction and housing, to savings products, and in 2004 to the offer of payment transactions, transaction accounts and card business. With this, we have become an integrated bank in the field of offer. Banka Sparkasse also offers factoring services, form 2007 to 2022 under S-Factoring, which is now a part of Banka Sparkasse. What are your benefits with factoring? Financing of sales: o Permanent improvement of your company’s liquidity o Better control of sales risks o Improvement of financial indicators and credit report o No need for additional material insurance Financing of procurement: o Settlement of liabilities from Banka Sparkasse toward your suppliers o Better purchase conditions o Extension of payment terms toward domestic and foreign suppliers o The possibility of using “cassa sconto” from suppliers Insurance of receivables: o Coverage of risk at buyer nonpayment or insolvency procedures o Financing of receivables o Improving the company’s credit rating o You can focus on your business, Banka Sparkasse will manage the risk