AS "PrivatBank" Main Figures as of 10 Months of 2008

2 AS "PrivatBank" Main Figure Dynamics Capital adequacy9.40%15.10%14.78%12.43%10.98% Liquidity index53.00%64.10%32.15%52.89%50.13% Return on average equity 16.30%8.66%-2.3%0.52%2.14% Return on average assets 1.06%0.99%-2.64%0.49%1.84% Net interest margin3.56%5.48%4.65%4.43%4.25%

3 AS "PrivatBank" Rating On 21 May 2008, international rating agency Moody's Investors Service Ltd confirmed AS "PrivatBank" credit rating at the level of B1/NP/E+. The long-term deposit rating of AS "PrivatBank" confirmed at В1 level.

4 AS "PrivatBank" Asset Structure, EUR (+23,5%) (-7,4%) (+21,6%) (+10,7%)

(+23,5%) (-7,4%) (+21,6%) (+10,7%) AS "PrivatBank" Liabilities Structure, EUR

6 AS "PrivatBank" Savings ratio to the credit portfolio, EUR December 2007 March 2008 June 2008 October 2008 Consolidated credit portfolio , , , ,3 Accruals , , , ,9 Accruals ratio to the credit portfolio 0,92%1,22%1,07%1,33%

7 AS "PrivatBank" Deposit Volume Dynamics for Legal Entities and Individuals, EUR Deposits of Legal Entities Deposits of Individuals The balance dynamics on deposit account of AS "PrivatBank" customers remains stable. Long-term deposit rating of AS "PrivatBank" confirmed at the level В1

8 AS "PrivatBank" Liquid Asset Volume Dynamics, thnd. EUR thnd. EUR ,1 (17,84%) ,2 (26,15%) ,3 (15,22%) ,0 (24,71%) ,9 (24,42%) % - shows the ratio of liquid assets to all assets

9 AS "PrivatBank" Liquidity Rate Fulfilment Dynamics, % Liquidity rate set by the Bank of Latvia – 30%

10 AS "PrivatBank" Correspondent Account with Banks Balance Structure by Currencies as of , EUR EUR

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