The Way to Success PJSC ПАТ CB КБ «ЄВРОБАНК» PJSC CB EUROBANK. fax: факс.: +38 (044)

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1 The Way to Success PJSC ПАТ CB КБ «ЄВРОБАНК» EUROBANK 35, 01032, boulevard м. Київ, Shevchenko, бул. Т.Шевченка, Kyiv, tel.: тел.: +38 (044) fax: факс.: +38 (044)

2 General information Establishment The Bank was established in January State Registration Certificate: series А of , NBU license 220 of Founders Limited Partnership "Consulting Company "Marketing Technologies" and Limited Partnership "Consulting Company "Finance Analit Service". Priorities PJSC CB "EUROBANK" is a universal institution, with core accents at commission products and technology products. Clients About 50% clients are private individuals; the other part comprised of legal entities and private entrepreneurs. Development prospects The bank's strategy provides development plans within alternative channels (especially the Internet) Strategic goals Development of distance sales and service channels, increase of bank products for individuals, while maintaining corporate specialization The Way to Success 2

3 Eurobank Advantages Consulting and assistance in implementing effective decisions Focus on long-term relations Flexible approach to clients specific needs Continuous improvement of service quality and employees professional skills High quality service for the external economic activities of our clients Tailor-made offer of client services The Way to Success 3

2014 rating agency "Credit- Rating" updated long-term credit rating of PJSC CB «EUROBANK» within the National rating scale at «uabbb-» with "stable forecast 1,5 The banks regulatory capital grew 3.

4 Achievements 1,44 As of January 01, 2015 the bank's assets exceeded 1.44 billion UAH In the 3rd quarter of 2011 PJSC CB «EUROBANK» was authorized for settlement services in order to pay cash receipts of the State Treasury of Ukraine rating agency "Credit- Rating" updated long-term credit rating of PJSC CB «EUROBANK» within the National rating scale at «uabbb-» with "stable forecast 1,5 The banks regulatory capital grew 3.3 times in the period from by Year 2010 establishment of card business: VISA, American Express issuance, the first ATM installation, salary project launch. At the moment PJSC CB "Eurobank" offers about 10 products based on credit card 2010: introduction of the remote customer service application Eurobank 24/7", which includes online and mobile banking. Card module is planned to be added to the system in 2015 In 2012 PJSC CB «EUROBANK» started to provide custody services to PJSC "Ukrtelecom In 2010 PJSC CB «EUROBANK» became the principal payment agent for Airport Boryspil in its C- series bond emission for MUAH 150. The Way to Success 4

Bank History History of Eurobank a story of a

Establishment of LLC CB EUROBANK, acquisition of

strategy and business plan elaborated Assets: 151

Issuing of the first VISA payment card Investment

active lending The balance sheet total exceeded

Banking Association of Ukraine (NABU) Assets:

expansion of the banking group Assets 1.

2013 2014 Moving forward developing retail

depository and underwriting services Associated

most prestigious card issuance Амeriсan Еxpress

5 Bank History History of Eurobank a story of a dynamic success. We don t stop on our achievements. We move forward with you and for you! Establishment of LLC CB EUROBANK, acquisition of the banking license Long-term development strategy and business plan elaborated Assets: 151 MUAH Start of generation market client base Issuing of the first VISA payment card Investment ranking BBB- Intensive development of the Bank, active lending The balance sheet total exceeded 750 million UAH Membership in the Independent Banking Association of Ukraine (NABU) Assets: 1,38 BUAH +125% number of clients dynamics The expansion of the banking group Assets 1.44 billion UAH Moving forward developing retail banking Licensed to provide services with securities. Launch of new offers: brokerage, dealing, depository and underwriting services Associated membership in Visa International Launch of the most prestigious card issuance Амeriсan Еxpress (one of three banks in Ukraine) Launch of credit card products Launch of standard credit products Launching retail loan products: credit cards, POS loans Launch of car loans for used cars The Way to Success 5

Assets and liabilities dynamics Assets dynamics, MUAH Liabilities dynamics, MUAH 1 600 1 400 1 200 1 000 800 600 400 200 0 107 277 283 102 626 281 95 842 443 99 582 623 942 372 192 131 102 107 126 01.

6 Assets and liabilities dynamics Assets dynamics, MUAH Liabilities dynamics, MUAH Loans to Ind. Loans to LE Other assets Deposits from Ind. Deposits LE Other liabilities NBU ranking - official ranking of Ukrainian banks. Number of banks submitted: as of banks, as of banks, banks, banks, banks, banks. According to the official data of the NBU as of assets of PJSC CB «EUROBANK» reached 1,44 bln. UAH The Way to Success 6

7 Assets and Liabilities Structure According to the NBU official data as of Assets structure Liabilities structure 1,6% 8,0% 2,5% 63,8% 8,8% 55,5% 25,8% 33,9% Cash and cash equivalents Loans to Ind. Deposits&Loans From Banks Deposits from Ind. Loans to LE Other assets Deposits LE Other liabilities 22,6% 41,4% Share of assets in foreign currency Share of liabilities in foreign currency The Way to Success 7

8 Market positions Position of PJSC CB «EUROBANK» in the ranking of banks according to the Association of Ukrainian Banks, AUB ranking Change Assets Loan and investment portfolio Deposits of LE Deposits of individuals Equity Position of PJSC CB «EUROBANK» in the ranking of banks according to the National bank of Ukraine, NBU ranking Assets Loans to LE Loans to individuals Deposits of LE Deposits of individuals The Way to Success 8

9 Bank Product Offer Description of the main products Product For legal entities For individuals Deposits (max rates)* Term Flexible Term Flexible UAH 23% 15,0% 25% 8,0% USD 9,3% 3,0% 9,3% 3,0% EUR 8,3% 2,0% 8,3% 2,0% Loans Loan against deposit Loan against property Working capital financing Investment loans (up to 70% of the collateral value) Factoring POS loans to customers Loan against vehicle Credit cards Credit for used car POS loans Day-to-day banking services Non-cash currency exchange Cash currency exchange GSM-banking on current account Online banking, mobile banking Corporate cards Debit cards GSM-banking on current account Online banking, mobile banking (*) Deposit rates as of The Way to Success 9

Investment Fund "Ukr-Kytai Communication LLC Service MTS STSA South-Western Railway Mirovaya karta LLC

10 Clients and partners sets up mutually beneficial cooperation with successful and promising representatives of various business sectors SE "International airport "Boryspil" Ukrainian Social Investment Fund "Ukr-Kytai Communication LLC Service MTS STSA South-Western Railway Mirovaya karta LLC «Lanet Telecom» LLC Private JSC Kyivstar Company Plastic carta LLC Parytet motors LLC PJSC Ukrtelecom The Way to Success 10

11 Our values Innovations We offer up-to-date innovative services to our clients including deposit Free Access and mobile banking. The latter is the first full-scale client-bank in your cell phone in Ukraine. idepo the only totally online deposit in Ukraine, which can be opened without visiting bank outlet even for identification. Professionalism The bank s staff has enough experience to handle any nonstandard requests from our clients. Technological effectiveness We keep on implementing hi-tech innovations in management and customer service; we target at automation of all standard banking services. Partnership We provide mutually beneficial solutions for all parties involved based on the principle of parity relations. Profitability Even while the crisis the bank was profitable, which indicates a high efficiency of material, human and financial resources Transparence Possibility to get instant access to up-to-date and accurate information about the Bank. The Way to Success 11

EUROBANK BRANCHES 1 and 2 Chairman of the Board Kobzev Oleh Mykolayovych 35, Taras Shevchenko blvd.

12 Contact information The head office is located on one of the thoroughfares of the city at the intersection of Taras Shevchenko Boulevard and Victory Square in a modern business center "Europe plaza". EUROBANK BRANCHES 1 and 2 Chairman of the Board Kobzev Oleh Mykolayovych 35, Taras Shevchenko blvd. Kyiv, In 2015 a office are to be opened in Odesa fax: eurobank@eurobank-ua.com The Way to Success 12

13 Appendix 1 Performance Indicators

14 Balance Financial statements are audited by LLC Banking Audit (license 3274 according to decision of Auditor Chamber of Ukraine 128 of , prolonged by decision 130 of ) (UAH thousand) Cash and cash equivalents Cash in other banks Net loans to clients Available-for-sale securities Deferred income tax asset Property owned and intangible assets Other financial assets Other assets Total assets Deposits And Loans From Banks Client Deposits Other borrowed funds Current income tax liability Deferred tax liabilities Reserves on liabilities Other financial liabilities Other liabilities Subordinated debt Total liabilities Share Capital - Ordinary Shares Retained income Reserves and other funds Net shareholder capital The Way to Success 14

15 Income Statement PJSC CB «EUROBANK» got its first audit report in 2008 (UAH thousand) Net interest income Net commission income Net trading income Loans reserves and advances to other banks Reserves on liabilities Other operation income Gain on revaluation of other financial instruments carried at fair value with revaluation through profit or loss Operating income Result of revaluation of financial assets Result of curency revaluation Result of sale of trading securities Administrative and other operation expense Net before tax Income tax payable Net income The Way to Success 15

FIDO Group and affiliated companies FIDO Group

bln* Position in 22st, II group Large banks * PAY

for traders and clients MOSQUITO Virtual telecom

shareholders) EUROBANK Ukrainian bank with

44 bln* Position in 82th, IV group Small banks *

electronic money Deca Insurance Insurance company

16 FIDO Group and affiliated companies FIDO Group FIDOBANK Innovative bank Total assets: > UAH 10,9 bln* Position in 22st, II group Large banks * PAY FORCE Transactional business PAY & GO Marketplace for traders and clients MOSQUITO Virtual telecom provider Affiliated companies (controlled by same shareholders) EUROBANK Ukrainian bank with European service Total assets: > UAH 1.44 bln* Position in 82th, IV group Small banks * Що це таке MoneXy Payment service based on electronic money Deca Insurance Insurance company FIDO Investments Assets management company * As of The Way to Success 16

17 Thank you PJSC ПАТ CB КБ «ЄВРОБАНК» EUROBANK 35, 01032, boulevard м. Київ, Shevchenko, бул. Т.Шевченка, Kyiv, tel.: тел.: +38 (044) fax: факс.: +38 (044)

Rating report PUBLIC JOINT-STOCK COMPANY «AGROPROSPERIS BANK»

Rating report PUBLIC JOINT-STOCK COMPANY «AGROPROSPERIS BANK» «Rating agency «Expert-Rating», LLC (www.expert-rating.com, e-mail: info@expert-rating.com, phone/fax +38 (044) 227-60-74) Rating report (version for publication) Credit rating of the bank according to