1. 1 PrivatBankmarket leader in Ukraine PrivatBank has a strong competitive position with a clear focus on Retail Banking and SME Lending No. 1 bank by capital with 9.13% market share* Deposits of individuals – 15.85%* Leader in plastic card business with a market share**: 15.855 million cards27.73% 4,473 АТМ22.10% 46,235 POS60.62% Credit cards share – 35%*** Strong support of shareholders Market share in payroll services – 41%* (wages for teachers, doctors, Internal Affairs officers, scholarships) No. 1 bank by assets with 9.74% market share* 1 Source: data by *NBU, **EMA, ***PrivatBank as at 01.07.2008 1 PrivatBanks assets outside Ukraine account for 7.26% as at 01.01.08 (assets of foreign subsidiaries in the total consolidated assets) Ranks 1st in the retail lending market with a share of 11.24%*

2. 2 PrivatBank: Ratings Source: Moodys report, 17 Dec. 2007; Fitch report, 29 Oct. 2007

3. 3 Top 10 Ukrainian banks, competitive environment on July 01, 2008 Source: NBU as at 01.07. 2008, PrivatBanks unaudited UAS statements as at 01.07.2007 * On 01/04/08 the exchange rate was 5.05 UAH/US$, on 01/07/08 – 4.85 UAH/US$ State banks Banks with foreign investments PrivatBanks key financial figures as at 01.07.2007 and 01.07.2008 (according to UAS)

4. 4 Top 10 Ukrainian banks and competitive environment Source: EMA ( http://www.ema.com.ua) as at 01.07.2008 http://www.ema.com.ua As of July 1, 2008 PrivatBank is ranked number 1 among Ukraines 10 largest banks in card business, ATMs and POS-terminals: State banks Banks with foreign investments

5. 5 PrivatBank's branches As of 1 July, 2008, PrivatBanks network includes 3,021 branches and sub-branches across Ukraine … PrivatBank is underpinned by a massive distribution network, giving it excellent access to its clients (Moodys Report, September 2005) The wide branch network helps the bank to compete effectively in the less- saturated regional markets, where rates are still above the market average Ficth report October, 2007 Russia Turkey Romania Moldova Hungary Slovakia Poland Belarus Staff as at 01/07/2008 Branches and sub- branches as at 01/07/2008 *Note: including branch in Portugal

6. 6 Retail banking business Loans to individuals PrivatBank is a retail market leader with share of 15.85% in deposits and 11.24% loans to individuals (as of 01/07/08) Deposits from individuals (share among 10-top banks) Source: NBU (www.bank.gov.ua ) as at 01.07.2008www.bank.gov.ua (share among 10-top banks) PrivatBank has near 12.5 mln unique records of loan and deposit accounts of individuals. The population of Ukraine is 46.3 mln people. Dynamics of retail deposit portfolio and average deposit size On 11.09.2007 Individual Deposits Guarantee Fund increased reimbursement under individual deposits up to UAH50,000 (US$10,312*) *Data calculated at ex.rate 1USD=4,8489 (NBU ex.rate as at 01.07.2008) Source: PrivatBank 2002-2007 – audited IFRS consolidated financial statements, Data for 01.07.08 as per non-consolidated unaudited UAS figures