Services for small business

Since June 2005 the Bank `Finance and Credit` has been using a program `SME Support”, under which customers of the Bank may use a range of programs: Real Estate Loans Commercial Lending on the Security of Real Estate Vehicles Lending Used Vehicles Lending Equipment Lending Micro-financing Overdraft Express-loan Loan portfolio of SME customers increased in 4 times over 2007 and as of 01 January 2008 was UAH 478.7 in multicurrency. As of 01 January 2008 the number of existing agreements on SME loan products equaled 8,890. To make SME customers servicing more convenient the tariff packages were developed that include the whole range of banking services and allow to optimize expenses on banking services. Tariff packages are divided by the level of business activity: Standard Optima Classic Luxe Apart from cash management services such package servicing includes issue and maintenance of private and corporate cards, salary projects, and merchant acquiring services. Only in 2007 the Bank opened 6.5 thousand accounts on the terms of package servicing. Totally as of 01 January 2008 the bank served 16,000 accounts in SME segment. Structure of SME Customers (Loans)  Activity Share in Portfolio Foodstuff Trade 21% Industrial Goods Trade 50% Manufacture 5% Services, transportation 11% Services, Food industry 2% Other 11% Total 100 % SME Customers may enjoy the range of competitive advantages of services  of the Bank `Finance and Credit` Standardization of products for SME Promptness of credit procedure due to the product standardization delegation of powers system High quality of customers servicing due to the staff training, use of modern IT, introduction and improvement of technological processes as well as advantages of the products:  Mortgages: long terms of lending (up to 15 years), possibility of loan prolongation Auto lending: possibility of financing purchase of cars for business, buses, trucks, trailers, semi-trailers collateralized with the vehicle purchased Equipment lending: possibility of financing purchase of new equipment on the security of this equipment Overdraft: no monthly nullification, possibility of providing overdraft on the basis of limit calculation by turnovers with other banks Micro-financing: flexible approach to collateral Express-loan: decision re crediting is made within 24 hours from the client’s application, no collateral