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AS "PrivatBank" in Europe
April 2009
2
PrivatBank's branches
As of 1 February 2009, PrivatBank’s network includes 3,284 branches and sub-branches across Ukraine
RussiaRussia
TurkeyTurkey
RomaniaRomania
MoldovaMoldova
HungaryHungary
SlovakiaSlovakia
PolandPoland
BelarusBelarusUkrainePrivatBank 32 049 3 284
International subsidiaries and branches:
Russia(Moscomprivatbank) 3 436 158
LatviaAS “PrivatBank” (formerAS “Paritate Вanka”) 359 27*
Cyprus Branch
33 5**
Georgia“TaoPrivatBank” (former “TaoBank”) 1 027 62
PortugalBranch of AS “PrivatBank” 10 1***
ItalyBranch of AS “PrivatBank” - 1***
Staff Branches and sub-branches
* including branches in Portugal and Italy
** 1 branch in Nicosia and 1 sub-branch in Limassol, 1 sub-branch in Paphos, 1 sub-branch in Nicosia, 1 sub-branch in Larnaka
*** branches are opened in Portigal and Italy, these branches don’t have sub-branches.
“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
“We believe that the bank's sound market position, brand, and distribution network will enable it to further develop its franchise and thus support profitability.”(Moody’s, Credit opinion, January 26, 2009)
3
Retail banking business
PrivatBank is a retail market leader with share of 16.14% in deposits (as of 01/01/09)(share among 10-top banks)
Source: AUB (www.aub.com.ua) as at 01.12.2008
PrivatBank has near 12.8 mln unique records of loan and deposit accounts of individuals.
The population of Ukraine is 46.3 mln people.
2,74,5
5,9
10,8
15,7
24,9
56,4
3053
1 106998
348474
965846
-2,0
2,0
6,0
10,0
14,0
18,0
22,0
26,0
30,0
34,0
2002 2003 2004 2005 2006 2007 2008*
UA
H b
ln
0
1000
2000
3000
4000
5000
6000
7000
8000
9000
10000
US
$
Portfolio Average deposit
Dynamics of retail deposit portfolioand average deposit size
On 05.11.2008 Individual Deposits Guarantee Fund increased reimbursement under individual deposits up to UAH150,000 (19480,52 USD *)
*Data calculated at ex.rate 1USD=7,7 (NBU ex.rate as at 31.12.2008)Source: PrivatBank 2002-2007 – audited IFRS consolidated financial statements, Data for 31.12.08 as per consolidated unaudited IFRS figures
Deposits from individuals
Loans to individuals(share among 10-top banks)
4
2. AS "PrivatBank" Latvia
5
About the bank…
AS "PrivatBank" (former AS "PARITATE BANKA"), which was established in 1992, is one of the oldest Latvian banks and one of the most well-known banks in Latvian business community.
In August 2007, the bank changed its name toAS "PrivatBank", having borrowed its parent bank’s name.
AS "PrivatBank" is a fast-growing and modern bank in the Latvian market
Nowadays, PrivatBank is a leader in the Ukrainian banking market, actively expanding in Russia, Georgia, Cyprus, Portugal, and Latvia.
6
AS "PrivatBank" today
AS "PrivatBank" occupies the 15th position among 25 Latvian banks in terms of principal financial indicators.
AS "PrivatBank" follows its customers and cash flows providing for conducting business between European countries, Ukraine and Russia.
7
AS "PrivatBank" mission
To serve as a financial bridge between the European Union and
Eastern Europe.
8
AS "PrivatBank" is represented in the following regions of Latvia:
In Riga: Branch "Sakta", Merkela St. 17/19; Branch "VEF", Brivibas St. 214; Branch "DAILE", Brivibas St. 73; Branch "Kengarags", Maskavas St. 250/2; Branch "Krastmala", 11 Novembra Embankment 29 RG "Langa", A. Dombrovska St. 2; RG "Burtnieku", Burtnieku St. 37; RG "Latgale", Daugavpils St. 31.
In regions of Latvia: Branch "Jekabpils", Jekabpils, Rigas St. 213; Branch "Valmiera", Valmiera, Rigas St. 28; Branch "Daugavpils", Daugavpils, Rigas St. 40; Branch "Rezekne", Rezekne, Atbrivosanas Avenue 95/3; Branch "Ventspils", Ventspils, Andreja St. 4; Branch "Liepaja", Liepaja, Graudu St. 43; Branch "Jelgava", Jelgava, Liela St. 14; RG "Nakotne", Jekabpils, Nakotnes St. 2; RG "Ludza", Ludza, Raina St. 40а; RG "Cesis", Cesis, Raunas St. 17; RG "Venta", Ventspils, Ugales St. 12/14; RG "Lauma", Liepaja, Kalpaka St. 66.
9
AS "PrivatBank" strategy
The Bank's strategy is aimed at promoting growth and strengthening market position.
Increasing the amount of deposits, credit portfolio for small and medium enterprises, and attracting new Customers both in Latvia and abroad.
The Bank plans to maintain business growth rates, especially in retail banking, continuing the growth and improving the branch network.
At present, AS PrivatBank has 20 branches throughout Latvia, 2 branches in Portugal and a branch in Italy.
Opening of the bank's branches in Spain, Greece, Germany, and Holland is also being planned.
10
AS "PrivatBank" main indicators dynamics
2006 2007 2008
Capital adequacy 9.40% 15.10% 10.31%
Liquidity indicator 53.00% 64.10% 90.39%
Average return on equity 16.30% 8.66% 1.60%
Average return on assets 1.06% 0.99% 1.26%
Net interest margin 3.56% 5.48% 4.17%
11
AS "PrivatBank" asset structure dynamics, EUR
0
50 000 000
100 000 000
150 000 000
200 000 000
250 000 000
300 000 000
2006 2007 2008
Other assets
Loans, other
Due from creditinstitutions
Cash anddeposits withthe Bank ofLatvia
149 273 539
192 217 281(+28,8%)
262 929 922(+36,8%)
12
AS "PrivatBank" liabilities structure dynamics, EUR
0
50 000 000
100 000 000
150 000 000
200 000 000
250 000 000
300 000 000
2006 2007 2008
Other liabilities
Liabilities to othercredit institutions
Deposits at shortnotice
Term deposits
Capital andreserves
Issued liabilities
149 273 539
192 217 281(+28,8%)
262 929 922(+36,8%)
13
Priv. ind. and leg. ent. deposits dynamics atAS "PrivatBank", EUR
Legal entities’ deposits
Private individuals’ deposits
AS "PrivatBank" customers’ deposit account balance dynamics remain stable.
73 718 411
90 823 695
126 845 941
0
20 000 000
40 000 000
60 000 000
80 000 000
100 000 000
120 000 000
140 000 000
2006 2007 2008
26 774 77429 844 586
67 250 091
0
10 000 000
20 000 000
30 000 000
40 000 000
50 000 000
60 000 000
70 000 000
80 000 000
2006 2007 2008
14
AS "PrivatBank" liquid asset amount dynamics, thous. EUR
0.0
10 000.0
20 000.0
30 000.0
40 000.0
50 000.0
60 000.0
70 000.0
80 000.0
90 000.0
2006 2007 2008
Due from creditinstitutions (from 31days)
Due from creditinstitutions (up to 30days)
Due form the Bank ofLatvia (up to 30 days)
Cash
thous. EUR
% shows the ratio of liquid assets to total assets
59 783,7(40,05%)
50 270,2 (26,15%)
85 104,4 (32,37%)
15
AS "PrivatBank" liquidity performance dynamics, %
90.39%
63.92%
53.00%
0.00%
10.00%
20.00%
30.00%
40.00%
50.00%
60.00%
70.00%
80.00%
90.00%
100.00%
2006 2007 2008
The liquidity norm established by the Bank of Latvia – 30%
16
Balance structure of AS "PrivatBank" correspondent bank accounts by currency as of 31.03.2009, EUR
59 006 785
7 000 440
3 878 192419 007 381 668
1 887 442
0
10 000 000
20 000 000
30 000 000
40 000 000
50 000 000
60 000 000
70 000 000
80 000 000
EUR
Othercurrencies
RUB
GBP
LVL
EUR
USD
72 573 534EUR
17
AS "PrivatBank" plans in Portugal
1. Active promotion of crediting small and medium enterprises as part of "PrivatBusinessCredit" programme;
2. Continuing to develop mortgage lending programmes "Mortgage in Ukraine" for Ukrainians working in Portugal;
3. Launch of the programme "Mortgage in Portugal";
4. Promotion of the programme "PrivatBank Deposits";
5. Development of the programme "Become an agent of PrivatBank“.
18
Branch in Portugal
Director of the Branch, Marika Hayes, will tell you about the products and plans of the Branch in Portugal
Marika da Silva HayesDirectora de Sucursal
[email protected]@privatbank.pt
www.privatbank.pt
Tel. +351-213595130
Rua dos Anjos 67 -A, 1150-035, Lisboa, Portugal
AS "PrivatBank"Sucursal em Portugal
Contacts: