.png)
OUR EXPERTISE
At Ineco Group, we believe in core values of Trust, Partnership, Innovation and Success.
VALUE CREATION
Cross-boundary challenges can be transformed into opportunities
when mutual interests and transparency are prioritized.
STRATEGIC INVESTMENTS​
​
​We identify opportunities that align with long-term potential, prioritizing industries and innovations that shape the future. 

By anticipating market trends, we create value that grows and evolves with the world around us.
TAILORED SOLUTIONS​
​
True value comes from understanding individual needs.
We collaborate with our clients to craft solutions that address unique challenges and unlock their full potential.
​
​
EMPOWERING PEOPLE​
​
Our focus is not only on monetary success but also on empowering individuals and organizations to thrive.
Through education, innovation, and collaboration, we ensure everyone benefits from the value we help create.​
OUR MISSION
​
Our mission is to create opportunities that empower businesses and individuals to turn their dreams into reality.
OUR SOLUTIONS
​
With over three decades of expertise in the financial sector and digital innovation, Ineco Group leverages state-of-the-art technologies and advanced financial instruments to drive sustainable growth and success for our clients across our main target regions.
FINANCIAL SERVICES
DIGITAL BANKING
Our retail banking digital solutions are built to provide outstanding customer experiences for both clients and partners. Offering a variety of products and features, including online loans and BNPL options, these solutions are fully customizable to suit the unique needs of each client.
Supported by our experienced team, we ensure that every solution is tailored to deliver optimal results. Having been rigorously tested by our portfolio companies, these solutions are proven to be efficient and ready to support new partners in achieving their objectives.
CORPORATE & SME BANKING
Our Corporate & SME Business serves as a fundamental pillar of our operations. With years of experience, we have cultivated advanced risk management strategies and in-depth knowledge across diverse industries, allowing our experts to provide customized solutions to businesses in the Caucasus and other regions.
Our dedicated offerings for SME and Corporate clients, developed in partnership with EBRD, IFC, and KFW, are specifically designed to promote trade, encourage development, and enable sustainable growth. These solutions empower businesses to grow, thrive, and drive meaningful impact within their communities.
LEASING PRODUCTS
We are deeply committed to the growth of this expanding business and remain focused on driving its development across Eastern Europe. Through our own operations, we not only strengthen our business but also support the industry by offering financing to local players and fostering their growth.
By integrating our fintech solutions, we aim to fully digitalize the business, maximizing its potential. With promising opportunities in both Retail and Fleet Leasing segments, we see potential in the overall sector.
FINTECH SOLUTIONS
MOBILE BANKING PRODUCT
Our mobile applications represent state-of-the-art technology in the banking industry. The launch of our new Ineco Mob 2.0 app for Inecobank clients in the Caucasus region has delivered exceptional results, significantly boosting customer retention, driving new customer acquisition, and increasing total product sales through the app.​
​
By integrating complex loan products, we have created a fully digital end-to-end journey for our customers—an advancement that goes beyond the traditional offerings of cards and online payments. ​
Our solution is fully tested, live, and delivering proven results. We are excited to bring this innovation to new markets or offer it to partners, with the flexibility to customize it according to specific local needs.
CORE BANKING SYSTEM
With a unique track record of building up a bank from the ground and successfully managing its development through various stages, our team possesses extensive expertise in core banking processes. Our experience in overcoming IT legacy challenges and leading the transformation of a large universal bank—from legacy IT systems to a modern IT infrastructure with redefined business processes—positions us as a trusted partner for other industry players in different regions.
We are confident in offering this proven solution, supported by our team of experts and a dedicated delivery team. We ensure that project plans are both practical and achievable, with a strong focus on time management and resource efficiency.
LOAN DIGITALIZATION PLATFORM
Through our digital lending platform, businesses can deliver fully digital customer journeys, including seamless point-of-sale lending solutions designed to meet evolving customer expectations. Our platform empowers non-bank clients to enhance their service offerings, unlock new revenue streams, and capitalize on significant growth opportunities.
This scalable solution enables products to reach millions of potential customers, helping businesses efficiently expand their market presence. By adopting this innovative approach, organizations can drive digital transformation, optimize customer engagement, and open new pathways for sustainable business success. We are currently actively testing these solutions in the countries of Central Asia, further validating their impact and adaptability for diverse markets.
INVESTMENTS
DEBT & EQUITY INVESTMENTS
With our diversified approach to industries, markets, and risk opportunities, we have successfully built a global portfolio of sovereign and corporate bonds, investing in companies across the world. Our risk appetite and in-depth understanding of various business models enable us to achieve competitive returns across diverse markets. We have established strong partnerships with brokers and custodian banks in Western Europe and the United States, ensuring efficient execution and secure asset management.
Our equity investment portfolio is steadily expanding in the Eastern European region, where we leverage our core expertise to identify and seize promising opportunities in the financial sector. This strategic focus allows us to create sustainable value while further diversifying our investments.
PRIVATE CREDITS & INTERNATIONAL LOANS
While leveraging our deep expertise in the banking industry, we are also embracing new types of financing and actively exploring private credit products, which typically involve non-bank lending to mid-sized companies. We participate in these transactions through our portfolio companies, offering tailored financial solutions to client segments often underserved by traditional financing institutions. By applying our expertise and carefully selecting the right opportunities, we aim to maximize returns and foster long-term partnerships.
Additionally, we are actively building our portfolio of international loans in Eastern Europe and Central Asia. We focus on development of the financial and other sectors in these regions, contributing to their economic growth.
REAL ESTATE
Commercial Real estate, being a traditional sector, is also a key focus for Ineco Group. We actively seek attractive investment opportunities in the form of debt or direct financing, as we believe this contributes to the diversification of our asset portfolio. Our current focus includes exploring opportunities in countries such as Poland, Bulgaria, Romania, and Slovenia, while also identifying significant potential in Southern European markets like Portugal and Spain.
We are open to participating in project financing, provided the opportunities align with our risk policy and demonstrate strong long-term potential in their respective locations. Leveraging our expertise, we have successfully financed various deals with tailored solutions and have already seen the newly completed projects in these regions.
DREAMING BEYOND THE HORIZON,
EMPOWERING SUSTAINABLE GROWTH.