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

2. 2 AS "PrivatBank" Main Figure Dynamics 2006200731.03.200830.06.200831.10.2008 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. 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. 4 AS "PrivatBank" Asset Structure, EUR 155 686 419 192 217 281 (+23,5%) 177 995 763 (-7,4%) 216 459 091 (+21,6%) 239 714 125 (+10,7%)

5. 5 155 686 419 192 217 281 (+23,5%) 177 995 763 (-7,4%) 216 459 091 (+21,6%) 239 714 125 (+10,7%) AS "PrivatBank" Liabilities Structure, EUR

6. 6 AS "PrivatBank" Savings ratio to the credit portfolio, EUR December 2007 March 2008 June 2008 October 2008 Consolidated credit portfolio 132 249 220,0139 283 548,5151 500 188,8165 832 130,3 Accruals 1 210 121,61 693 529,81 613 989,32 202 564,9 Accruals ratio to the credit portfolio 0,92%1,22%1,07%1,33%

7. 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. 8 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%) 58 534,9 (24,42%) % - shows the ratio of liquid assets to all assets

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

10. 10 AS "PrivatBank" Correspondent Account with Banks Balance Structure by Currencies as of 31.10.2008, EUR 45 358 950 EUR

11. 11 Thank you for your attention!