Dear Clients,
Please be assured that KB Slovakia’s team is available and working for you in the current situation as well!

We are committed to providing our services so as to be able to meet your needs and expectations while protecting your as well as our health. Our team is now working primarily from home, with a view to minimising the risk of the infection spreading.

Our mailboxes, telephone numbers, and direct banking channels are up and running and are fully available to you.

We look forward to seeing you in our offices once the epidemic is over, and wish you all good health!

Executive Director, KB Slovakia

 0800 118 100

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Forfaiting is intended for:

  • clients who supply their goods and services with deferred payment

Characteristics of Forfaiting:

  • assignment to the bank of the client’s receivables due in the future for a fee, without recourse to the original owner of the receivable (usually the supplier)
  • the subject of forfaiting is receivables which were created in terms of commercial transactions implemented by the client
  • can be implemented in two ways:
    • at the risk of the banking entity, when the receivable is represented by
      • a bill of exchange or promissory note with bank aval
      • a documentary letter of credit
    • at the risk of the commercial entity (debtor – customer), when the receivable represents
      • an invoice
      • bill of exchange without bank aval
  • minimum receivable maturity: usually 45 days
  • minimum amount of the assigned receivable: approx. EUR 33,000 or equivalent of this amount in foreign currency
  • the price for assigning the receivable is set individually and especially depends on:
    • the financial standing of the debtor
    • the level, maturity and nature of the receivable
  • all fees are usually deducted from the amount paid at the moment the receivable is purchased

Advantages of Forfaiting:

  • transfer of risks (political and commercial) relating to payment of receivables assigned to the bank
  • a flexible form or financing which does not increase the credit exposure of the supplier in Komerční banka, a.s., pobočka zahraničnej banky
  • decrease in the volume of receivables on the balance sheet
  • improvement of financial indicators
  • increase in competitive ability of the supplier when winning orders - possibility of providing a supplier loan (deferred payment) to customers
  • Forfaiting can already be arranged in the pre-contracting stage and its costs can thus be included in the price of the goods delivered

Forfaiting allows you to:

  • offer your customers deferred payment for deliveries and gain funds for provision of a supplier loan
  • transfer political and commercial risk relating to payment of receivables to the bank

How to establish/arrange the product :

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0800 118 100

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