Information Expertson Russia, Baltic Statesand Eastern Europe

2012 IGK Group©

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1991 – 2012

IGK Group History

1991 – the first IGK company was registered in Germany

1992 – first companies of IGK Group were registered in Russia and Baltic States

1993 – IGK Holding was registered in Germany. SCRL (Coface) and Intercredit Holding became members of IGK Holding.

1994 – expansion to Lithuania, Estonia, Ukraine, Russia1998

2007 – separation from Coface

2007 – cooperation with the leading credit risk insurance 2012 companies: Atradius, Euler Hermes, Ducroire,

Sinosure, Mapfre and other.

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IGK Group profile

Credit reports

Partner monitoring

Debt collection

RiskStop – International Portal B2B debts registration

Consulting

Marketing research

Legislation and Judicial support

Credit insurance offer

IGK has 21 years experience providing the customers credit management services:

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IGK Group Structure/I IGK Group Companies

IGK AG Germany

IGK Credit Management Latvia

IGK Service Lithuania

IGK Service Estonia

IGK credit management

Moscow/RussiaIGK credit management Nizhnij Novgorod/Russia

IGK credit management Samara/Russia

IGK Services Ukraine

IGK Services Rus Tambov/Russia

IGK Network

Production office

IGK Broker Russia Balt Risk Baltics

Risk Ukraine

IGK Broker Baltic

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IGK credit management Chelyabinsk/Russia

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IGK Group Structure/IIIGK Group Network

IGK Group in CIS countries, Baltic States and Mongolia

Armenia

Georgia

LithuaniaKyrgyz

Belarus

Moldova

UzbekistanKazakhstan

TurkmenistanMongolia

Tajikistan

Azerbaijan

Estonia

Latvia

Ukraine

Russia

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IGK network in Russia

• Moscow• St. Petersburg• Nizhniy Novgorod• Rostov on Don• Krasnodar• Samara• Kazan• Perm• Yekaterinburg

• Yakutsk• Khabarovsk• Vladivostok• Irkutsk• Barnaul• Chita • Novosibirsk• Krasnoyarsk• Ufa

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IGK Network

Red – IGK officesGreen – IGK network RussiaBlue – IGK network CIS

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IGK Credit Information report

Standard report includes: Additional information:

Company’s full style and history; Office address, telephone, telex and fax numbers; Company's full activity, products, trade marks; Import and export data, main suppliers and customers; Information about shareholders and directors; Details of affiliated or related companies; Last year balance sheet, operating results, bank references; Negative information register, court files; Creditworthiness and credit recommendation. The result of the opinion poll Country review

Officially registered real estate; Officially registered transport vehicles; Expanded data on commercial pledges; Information about related persons and companies; Monitoring; Answers on special questions.

IGK rating will help you to define you company’s politics towards new business partners

IGK reports are approved by all main European credit insurers for risk estimation

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IGK Visit Report / Content

The Visit report includes:

Standard report

Additional information, obtained during the visit to the company:

- History of the company - Affiliation to the group of companies - Associated/subsidiary companies - Information about the shareholders (possible changes) - Information about the management (experience, qualification) - General basic activity description, activity specificity - Position in the market (% market share, main competitors) - Information about the customers (business line) - Information about the suppliers - Information about movable and real estate - Information about current and future credits - Debtors (accounts receivable) - Customer’s special questions

IGK Rating

Visit report is an extended rating report based on the information received during the visit to the company

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Credit monitoring Baltics States and Poland

• Name change• Legal status change • Legal address change (if the official

address  declared)• Share capital change• Activity change • Management board change, chairman of

the board change• Signature right change• Company’s articles of agreement change• Reorganizations, mergers• Payment defaults• Start of insolvency process

We offer 2 variants of monitoring

• New accounts  (yearly or intermediate half a year accounts)

• Any data obtained from the interview (particularly the actual address )

• Updated rating

This monitoring implies the manual work. These data could be delivered in the structured format of our report including the changes specified in the first type of monitoring

1. Variant 2. Variant

By this monitoring you will receive immediate information on  the following changes via email

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Credit monitoring Russia

For Russia only manual monitoring is available

1. Variant

Quarterly update of all available sources +  quarterly interview + quarterly updates in the structured form of the report + quarterly updated rating + once per year official accounts

Quarterly monitoring in all available official sources and data bases(changes in registration data, bankruptcies, customer’s  database, etc.).

2. Variant

This information will be sent quarterly in the form of updated credit reports (structured format)

This information will be sent via e-mail once per quarter for all companies where we have foundthe changes

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Debt Collection

IGK offers:

Local debt collection

Administration of the invoices

International debt collection

Legal services:

Litigation and enforcementBankruptcy proceeding

Other services

First contact with the debtor in 24 hours after the case is registered!

Registration of your claim in IGK credit reporting application and Balt Risk (Register for non paid debts) often leads to unexpected

payment results.

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Debt Collection

IGK offers:

Placing of the order and handing over of the documents

Verification of the debtor (preparing of a credit report by the IGK Group companies)

Evaluation of the documents in regard to the possibility of recovering the claim

Letter of claim with fixed paying-deadline

Contact by phone and written correspondence

Personal visits to debtors

Debtor tracing

Updated reports as soon as there are any news of development in a case as well as a monthly report of all possible cases

No result – no Fee

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Debt Collection

In case the results of the pre-legal stage of the debt collection process are not successful by the agreement of the client weproceed with legal actions. We provide the list of expenditures of bringing claim to the court and analysis of possibilities of winning the case to help the client in making his decision.

Litigation & enforcement

Court procedure includes:

Filling of a suit against the debtor

Obtaining judgment

Execution of judgmentBankruptcy procedure

Presenting the bankruptcy petition in the court;Participation in the creditors meeting;Representing the interests of the client

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RiskStop Portal

Some words about RiskStop Portal

Please welcome on RiskStop Portal web site https://www.risk-stop.com to learn more about its possibilities

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It's an international web portal created to reduce the risk of non payments and fraud in B2B business.

Customers of RiskStop Portal can use two very important functions:● registration of debts thus using it as an additional tool for pressure on the debtor;● obtain information about the payment behavior of the buyers making credit decisions easier and safer.

RiskStop Portal is working today for countries: Russia, Ukraine, Latvia, Lithuania, Estonia and Germany.

Information on the registered debts is stored in the portal within 5 years.

RiskStop is a closed system that can be used only by registered members following the Rules and signing the contract

RiskStop Portal – is an additioanl tool for pressure on the debtors

Credit Risk Insurance gives an opportunity to secure your business from the unforeseen bankruptcy of the buyer

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Trade credit insurance is meant for the companies selling on deferred payment terms

The insured event in credit risk insurance is

ability to offer deferred payment terms to the buyers ability to prolong deferred payment terms professional risk estimation and check-up of the buyers confidence to start working on new markets and with new buyers

Bankruptcy of the buyer Protracted default (Long-term non-payment)

The insured company gains the following competitive advantages

Credit Risk Insurance

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IGK online service

https://online.igkservice.lv/crwa/login.do

IGK Online – information concerning companies in CIS countries, Baltic States and Mongolia

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One stop shop

for information

Debt collection Credit information Credit risk insurance

IGK Group®

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MONEY IS THE BLOOD OF ECONOMY