A4 FORMAT Please don’t change page set up to A3, print to A3 paper and fit to scale A4 FORMAT Please don’t change page set up to A3, print to A3 paper and fit to scale Delta Bank Presentation

A4 FORMAT Please don’t change page set up to A3, print to A3 paper and fit to scale SUK001BJ1 v2 Delta Bank in the Media Delta Bank in the Media 2 Forbs Magazine informs that during the 1-st half of 2013 Delta Bank advanced from the 8-th to the 4-th place by assets ( bystrorastushchih-bankov-ukrainy/ ) bystrorastushchih-bankov-ukrainy/ In the 1-st half of 2013, Delta Bank was the 2-nd fastest growing bank in Ukraine by the loan portfolio growth in money terms (+10 bln. UAH) and the 3-rd – by the growth in relative terms (+59.6%) ( Forinsurer.com placed Delta Bank on the 4-th place as one of the safest banks in Ukraine in 2013 (

A4 FORMAT Please don’t change page set up to A3, print to A3 paper and fit to scale A4 FORMAT Please don’t change page set up to A3, print to A3 paper and fit to scale Financial Highlights 3 Delta’s (stand along) position among Ukrainian banks (01 October 2013) Assets4 Loan Portfolio4 Corporate Deposit Portfolio5 Retail Deposit Portfolio2 Total Assets c. $6.8 bn Equity $ c. 407 m Net Profit for 1H2013 $17 m Cash In Hand, accnts with NBU, other banks $ m Total customer base > 3.5 m Loans to Private Individuals $ m Retail Deposit Portfolio $ m Corporate Loan Portfolio $ m Number of Employees c October 2013

A4 FORMAT Please don’t change page set up to A3, print to A3 paper and fit to scale SUK001BJ1 v2 Ownership Structure Ownership Structure Nikolay Lagun Cargill, Inc. 40-year-old founder and original CEO of Bank Delta Personal Details: Education: Degree in Accounting, Ph. D. in Economics from Kyiv National Economic University Professional Experience:  ex-shareholder of a top-5 bank in Ukraine  14 years of banking experience  over 8 years in Board level positions  Entrepreneur of the Year 2007 in Ukraine by Ernst&Young  Financier of 2008 in Ukraine by ‘Man of the Year’ Award 4 Cargill Financial Services International, Inc. utilized NBU's permit for acquisition of material stake equal to 30.1% in the bank's capital, issued pursuant to decision of NBU's Commission of Banking Control and Regulation No.57 dated Cargill is an international producer and marketer of food, agricultural, financial and industrial products and services. Founded in 1865, our privately held company employs 142,000 people in 65 countries. Thousands of customers turn to Cargill for innovative solutions across four major market segments: Agriculture Food Financial Industrial In fiscal year 2012, Cargill had $133.9 billion in sales and other revenues. Earnings from continuing operations were $1.17 billion.

A4 FORMAT Please don’t change page set up to A3, print to A3 paper and fit to scale 5 +68% +29% +60% Y-t-Y Delta Bank Financial Highlights (stand alone) Delta Bank Financial Highlights (stand alone)

A4 FORMAT Please don’t change page set up to A3, print to A3 paper and fit to scale A4 FORMAT Please don’t change page set up to A3, print to A3 paper and fit to scale Ranking among Ukrainian Banks 6

A4 FORMAT Please don’t change page set up to A3, print to A3 paper and fit to scale A4 FORMAT Please don’t change page set up to A3, print to A3 paper and fit to scale Market Position 7 Source: NBU

A4 FORMAT Please don’t change page set up to A3, print to A3 paper and fit to scale A4 FORMAT Please don’t change page set up to A3, print to A3 paper and fit to scale Historic Development 8 Acquisition of Ukrprombank’s portfolio kick-start to Corporate business Share Capital Injection Ukrsibbank NPL portfolio Acquisition SwedBank’s retail portfolio Acquisition Balance Sheet Dynamics Portfolio Growth Acquisition of Kreditprombank (assets USD 1.5bn) Acquisition of Swedbank (assets USD 300mio) Acquisition of Astra Bank (assets USD 200mio)

A4 FORMAT Please don’t change page set up to A3, print to A3 paper and fit to scale A4 FORMAT Please don’t change page set up to A3, print to A3 paper and fit to scale Profitability YE Net Interest Margin (YE2012)7,59%  Delta Bank’s net income 2012 amounted to UAH 97,8 mio, which is in fact TOP-12 result in the banking system;  The following factors made significant impact on the bank’s profit: Net interest income of UAH 1 829,8 mio (111% of budgeted); Net fees & commission income of UAH 487,2 mio (241% of budgeted, incl. through increase of card fees); Net operating income of UAH 2 099,7 mio (115,76% of budgeted); Decrease of administrative and other expenses (84,2% of budgeted due to costs optimization); Loans provisioning in the amount of UAH 1 230,4 mio.

A4 FORMAT Please don’t change page set up to A3, print to A3 paper and fit to scale A4 FORMAT Please don’t change page set up to A3, print to A3 paper and fit to scale Business Directions 10 Treasury Investment Banking Financial Institutions CORPORATE BUSINESS Clients with gross annual turnover above $10 mio DELTA PREMIER VIP / Ultra High Net Worth Individuals FIs and IB Treasury/ Financial Institutions operations And Investment Banking BRANCHES RETAIL BUSINESS Internet POS SMEs

A4 FORMAT Please don’t change page set up to A3, print to A3 paper and fit to scale Branch Network Branches Plan for January 2014 – 228 branches.

A4 FORMAT Please don’t change page set up to A3, print to A3 paper and fit to scale Strategy implementation – acquisition of assets of Ukrprombank on public auction from temporary administration. Start of corporate banking development and expansion 09/2013 – TOP 4 bank in Ukraine by Total Assets – $ 6.5 bln 2011 – Ukraine’s # 1 Dynamic Bank in 2011 by Net Profit Growth Q Q successful acquisition of Kreditprombank (TOP 20) and Swedbank Ukraine(TOP 60). Planned integration process in # 1 government bonds trader (“OVGZ”) in Ukraine 2012 – became part of Largest Banks Group in Ukraine according to classification of National Bank of Ukraine. Q – Q acquisition of two retail loan portfolios: NPL (UkrSibbank BnP Paribas) and PL (Swedbank Ukraine) with an aim to client base diversification Second largest consumer finance portfolio in Ukraine with over 3.8 million clients Internet banking platform development and growth up to 300k clients.

A4 FORMAT Please don’t change page set up to A3, print to A3 paper and fit to scale Subsequent events in 1H 2013 (stand alone) 13 Assets grew by 72% up to $6.5bn 2013 – Ukraine’s # 1 Dynamic Tier 1 Bank Increase of loan portfolio by 61% up to $3.7bn Attracted subordinated debt in amount of $252m Increase operating income by 26% comparing to 1H 2012 Increase in corporate deposits by 165% up to $1.2 bn and increase in retail deposits by 74% up to $2.8 bn Local currency bonds successfully placed in the amount of UAH 200mio

A4 FORMAT Please don’t change page set up to A3, print to A3 paper and fit to scale IFRS Financials: Statement of Comprehensive Income (non - audited, stand alone) 14

A4 FORMAT Please don’t change page set up to A3, print to A3 paper and fit to scale IFRS Financials: Statement of Financial Position (non - audited, stand alone) 15

A4 FORMAT Please don’t change page set up to A3, print to A3 paper and fit to scale 16 Thanks for your attention!