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

2 AS "PrivatBank" Main Figure Dynamics 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 AS "PrivatBank" Asset Structure, EUR (+23,5%) (-7,4%) (+21,6%) (+20,8%)

(+23,5%) (-7,4%) (+21,6%) AS "PrivatBank" Liabilities Structure, EUR (+20,8%)

5 AS "PrivatBank" Savings ratio to the credit portfolio, EUR December 2007 March 2008 June 2008 November 2008 Consolidated credit portfolio , , , ,4 Accruals , , , ,3 Accruals ratio to the credit portfolio 0,92%1,22%1,07%1,58%

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 AS "PrivatBank" Liquid Asset Volume Dynamics, thnd. EUR thnd. EUR ,1 (17,84%) ,2 (26,15%) ,3 (15,22%) ,0 (24,71%) % - shows the ratio of liquid assets to all assets ,2 (31,68%)

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

9 AS "PrivatBank" Correspondent Account with Banks Balance Structure by Currencies as of , EUR EUR

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