1. AS "PrivatBank" Main Figures as of 11 Months of 2008

2. 2 AS "PrivatBank" Main Figure Dynamics 2006200731.03.200830.06.200831.11.2008 Capital adequacy9.40%15.10%14.78%12.43%10,27% Liquidity index53.00%64.10%32.15%52.89%62,08% Return on average equity 16.30%8.66%-2.3%0.52%2,31%2,31% Return on average assets 1.06%0.99%-2.64%0.49%1,82%1,82% Net interest margin3.56%5.48%4.65%4.43%4,20%

3. 3 AS "PrivatBank" Asset Structure, EUR 155 686 419 192 217 281 (+23,5%) 177 995 763 (-7,4%) 216 459 091 (+21,6%) 261 537 900 (+20,8%)

4. 4 155 686 419 192 217 281 (+23,5%) 177 995 763 (-7,4%) 216 459 091 (+21,6%) AS "PrivatBank" Liabilities Structure, EUR 261 537 900 (+20,8%)

5. 5 AS "PrivatBank" Savings ratio to the credit portfolio, EUR December 2007 March 2008 June 2008 November 2008 Consolidated credit portfolio 132 249 220,0139 283 548,5151 500 188,8166 259 045,4 Accruals1 210 121,61 693 529,81 613 989,32 626 178,3 Accruals ratio to the credit portfolio 0,92%1,22%1,07%1,58%

6. 6 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.

7. 7 AS "PrivatBank" Liquid Asset Volume Dynamics, thnd. EUR thnd. EUR 27 773,1 (17,84%) 50 270,2 (26,15%) 27 083,3 (15,22%) 53 477,0 (24,71%) % - shows the ratio of liquid assets to all assets 82 868,2 (31,68%)

8. 8 AS "PrivatBank" Liquidity Rate Fulfilment Dynamics, % Liquidity rate set by the Bank of Latvia – 30%

9. 9 AS "PrivatBank" Correspondent Account with Banks Balance Structure by Currencies as of 31.11.2008, EUR 72 083 091 EUR

10. 10 Thank you for your attention!