Raiffeisen Bank has joined the Széchenyi Card SME credit program and started to distribute the Széchenyi Card overdraft facility, Raiffeisen Bank and Széchenyi Card program coordinator KAVOSz said on a joint press conference Thursday. The SME sector suffered heavily from the consequences of the crisis lasting for five years now. "While loan disbursements decreased continuously since 2009, Széchenyi Card was the only loan programme that really worked with a constant 3-4% growth every year," László Krisán, CEO of KAVOSz said. Széchenyi Card program started in 2002 to help SME-financing. Since then, loan provided to enterprises in the framework reached HUF 1,155 billion. Széchenyi Card offers six different loan types, but demand differs significantly in case of one or another. "Overdraft facility takes the lead but investment loans are not not at all popular. Rate of investments fell heavily and doesn't find the way up ever since. Government should find some way to improve the possibilities of SMEs, like adjust the rate of interest subsidies to spur up market significantly," Krisán said. After Raiffeisen joins Széchenyi Card program, no new member requirement is expecte, as all of them will be involved. "Average loan value show significant variation from bank to bank. While clients at Takarékszövetkezet have HUF 4-5 million loan in average, those at MKB have more then HUF 12 million," György Dercsényi, head of division at Raiffeisen said. "Our financial institute aims the upper middle entrepreneur class, those who we couldn't lure in with our own previous products. We definitely wants to widen our clientele in the SME sector," Dercsényi added. Talking about corporate foreign currency loans, that PM Viktor Orbán wants to bail out similar to those in the retail sector, Krisán pointed out, that there's no point to save every entreprises, only those who generate value. "Foreign currency loans are significant risk-decreasing facilities for exporting SMEs, so there's no point to ban them," Dercsényi added.