1. Corporate Presentation 2012

2. Short glance at Piraeus Bank Group 1 Piraeus Bank is one of the leading financial institutions in Greece. Piraeus Bank is a significant player of the banking market in countries of Southern and Eastern Europe and Eastern Mediterranean. Piraeus Bank is a universal bank, which provides a full range of banking service to small and medium enterprises, corporate clients and individuals. In Ukraine Piraeus Bank operates via its subsidiary bank JSC Piraeus Bank ICB.

3. 2 Founded in 1916 Piraeus Bank occupies the fourth position in terms of assets and capital among banking institutions in Greece. Piraeus Bank network has over 730 branches and representative offices in Greece, Ukraine, Romania, Bulgaria, Egypt, Albania, Serbia, Cyprus and in world financial centers – New York and London. Piraeus Bank started operating in Ukraine in September 2007 after acquisition of the International Commercial Bank (ICB) which was renamed into Piraeus Bank ICB in January 2008 Short glance at Piraeus Bank Group

4. Piraeus Bank Group Profile 3 Piraeus Bank Group assets amount to EUR 47.5 bln, loans portfolio - EUR 35.7 bln, deposits portfolio – EUR 20.7 bln. The Bank network has over 790 branches and employs 11 246 people. 10 banks and 21 companies that belong to Piraeus Bank Group, provide a full range of financial service in 10 countries (5 out of them are members of EU). * Source: Piraeus Bank Group financial results as of 31.03.2012.

5. Piraeus Bank Group Profile 4

6. Piraeus Bank activity in Ukraine 5 Piraeus Bank started operating in Ukraine in September 2007. Since March 2009, Piraeus Bank maintains the highest rating of deposits reliability (score "5") assigned by the rating agency Credit-Rating. Piraeus Bank has «uaA» long-term credit rating with the forecast stable provided by agency Credit- Rating Piraeus Bank ICB is a member of the Forum for Leading International Financial Institutions, member of the Fund of Guaranteeing the Deposits of Individuals, member of International Commercial Chamber in Ukraine, European Business Association. The Bank is also included in the list of banks authorized by the Pension Fund of Ukraine to make payments of pensions and financial assistance. Piraeus Bank ICB network covers 12 regions of Ukraine including the republic of Crimea.

7. Benefits of co-operation with Piraeus Bank in Ukraine 6 Piraeus Bank Focus on long term relationships with clients Direct interaction with market experts Flexibility in client serviceHigh service standards Bank is a part of powerful international financial group A wide range of banking products Working experience in 10 countries

8. Service for individuals 7 Card accounts; Current accounts including pension; Deposits for the period from 1 to 12 months with attractive interest rates; Utility payments; Money transfers within Ukraine and abroad (Western Union, Money Gram etc); Individual deposit safe boxes; Special offers: – Internet banking system winbank Free connection; Money transfer within Ukraine - 0% commission. – Mobile version winbank Mobile for Anrdoid and iOS.

9. Service for legal entities 8 Opening and maintenance of current accounts under conditions of tariff packages that fully satisfy the needs of your business; Cash settlement; Remote online account management via Internet Banking – Piraeus Online Banking; Deposits for a period from 1 to 12 months with lucrative interest rates; Salary project; Special offers: Tariff package Cash – the most favorable service conditions for clients, who need regularly use of cash transactions in large volumes; – Saving account Business+ allows you to get increased interest rates on temporary free funds and have free access to them without interest rates loss. – Credit solutions for business: - revolving credit line, - Smart overdraft; - loan package: credit line + overdraft - documentary operations (letters of credit, guarantees);

10. Treasury services 9 Treasury opens access to financial markets for its clients; Important ideas and solutions development and promotion that helps our clients to achieve their goals; Flexible short term deposits in hryvnya, dollar and euro for individually adopted periods with favorable interest rates that change according to international loan market state; Foreign exchange purchase/sale transactions at cash and non-cash foreign exchange markets; Preparation of financial and economic surveys and analytical reports reflecting the key issues and changes in financial, political and economic situation of the country; Personal consulting for Bank clients on financial services, investment consulting and market research.

11. Cooperation with corporate clients 1010 Flexibility and individual approach to every client;* Current accounts opening and maintenance; – Development of partnership built on the principals of transparency, professionalism, respect and responsibility; Orientation on clients protection and providing a full range of banking services of the European level: Liquidity management; – Loans; – Advantages of the European banking institution – access to financial markets, business partners and investors from 10 countries where Piraeus Bank is operating * Corporate Business Department of Piraeus Bank head office is responsible for corporate clients service, whose annual revenue is over UAH 250 mln. Documentary operations (letters of credit, guarantees); –

12. Corporate Clients Department – our achievements Starting from June 2008, Piraeus Bank in Ukraine began its active work on servicing and lending to corporate clients with annual turnover over UAH 250 mln. While finding and attracting clients we use criteria that are valid in Piraeus Bank Group regardless of the country of business. Piraeus Bank appreciates its clients who entrusted our professionals the matter of finding the most optimal solution and convenient form of financing for each case. 1

13. Piraeus Bank Group: international recognition 12 2005 International organization Superbrands, which determines the best brands in 83 countries in the world, recognized Greek company for the first time and awarded Piraeus Bank in the category Banks and Insurance – Financial Institutions. 2005 Piraeus Bank was awarded by the highest European BankingТechnology magazine award for electronic banking system winbank. 2007winbank was recognized by PC Magazine as the best Internet Banking system in Greece. 2008Piraeus Bank Bulgaria received the award The Most Dynamic Bank during the ceremony Bank of the Year, which is annually held by Pari financial newspaper. 2008Piraeus Bank Romania got the award The best bank for corporate clients from Piata Financiara Magazine (FinMedia Group). 2009 Piraeus Bank was recognized for the highest level of corporate social responsibility of the First Greek national corporate social responsibility rating Cr Index. 2010 Piraeus Bank got a special award Green Banking at the annual competition «2010 Banking Technology Awards, organized by «Banking» magazine in London. 2011 Piraeus Bank was recognized as the most dynamic bank of the year among ІІІ group of banks by assets and one of the best employers among banking institutions in Ukraine according to UKRAINIAN BANKER AWARDS 2011 from Investgazeta business weekly 2012 Mobile banking winbank Mobile was recognized as the best system of mobile banking in Europe according to the financial magazine Global Finance rating.

14. Piraeus Bank 13 Vyacheslav Koval Acting Chairman of the Board Irina Kireeva Member of the Board, Director of Operational and Organizational Department Nicholas Zenzefilis Member of the Board, Director of Treasury Department Head Office address of Piraeus Bank ICB: 8 Illinska Str, block 7, Kyiv, Ukraine, 04070 Tel.: +38 (044) 537 3018 / +380 44 495 8888 Fax: +380 44 417 0249 JSC Piraeus Bank ICB. NBU license 91 as of17.10.2011.