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Contents The Bank in brief.3

Aug 26, 2014

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Page 1: Contents The Bank in brief.3

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Page 2: Contents The Bank in brief.3

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Contents

The Bank in brief…………………………………………………………..……........3Membership of OJSC TFB “Kontrakt” in professional organizations and associations…………………………………………………………………........4Principles and strategies of development of the Bank “Kontrakt”……………..…......5Banking and Consulting Group “Kontrakt”. Outsourcing……….…………….....6-11Financial indicators of operation of the Bank “Kontrakt”……………………….13-16Advantages of work with the Banking and Consulting Group “Kontrakt”……........17For investors……………………………………………………………………........18Recommendations…………………………………………………………………...19Internet-site of the Bank “Kontrakt”………………………………………….….….20Contacts…………………………………………………………………………..….21

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The Bank in brief

o Open Joint-stock company Trade Finance Bank “Kontrakt” is a legal successor of the bank “Antares” registered on the 18th of May, 1993.

o The Central office of the Bank “Kontrakt” is situated in the historic part of Kiev to the address: 01025, Kiev, 58, Vozdvyzhenska Street.

o The key shareholders of the Bank “Kontrakt” are the enterprises of W.J.Group structure (one of the largest exporters and processors of grain and oil plants of the CIS and Eastern Europe countries). and is a supporting Bank for holding companies operating on the territory of Ukraine.

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Membership of OJSC TFB “Kontrakt”in professional organizations and associationsThe Bank “Kontrakt” is a member of the following professional organizations and associations:

o Ukrainian Credit-Bank Uniono The Guarantee Fund supporting deposits of individual personso Kiev International Stock Exchangeo The Professional Association of Registrars and Depositorieso Interregional Stock Union

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Principles and strategies of development of the Bank “Kontrakt”

o The Client is the main person in the Bank “Kontrakt”. The staff of the bank build the relationship with the Client within the limits of personal service based on the individual approach.

o The Bank accentuates servicing of corporate customers. At the same time, private persons are welcome visitors and partners.

o The Bank “Kontrakt” provides customers with a full range of classical banking services: settlements and cash servicing, crediting, trade financing, servicing of foreign-economic activity, securities operations, deposit operations, and other banking services.

o Trade project financing is chosen by the Bank as the main direction of its further development.

o “Kontrakt” is a banking and consulting organization. The Customer receives here integrated servicing both in the sphere of banking service and legal, auditing, and accounting support and business security services.

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Banking and Consulting Group “Kontrakt”.Professional Service Firms (PSF) from the “Kontrakt”

The “Kontrakt” is a banking and consulting organisation. Along with the Bank it includes special associations of professionals working according to the principles of outsourcing — Professional Service Firms (PSF):

o “Yur-Kontrakt” Ltd;o “Pro-Kontrakt” Ltd;o “Audit-Kontrakt” Ltd.

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Outsourcing from the “Kontrakt” In the companies of the Group “Kontrakt” the Customer receives

here integrated servicing both in the sphere of banking service and legal, auditing, and accounting support and business security services.

Specialists of the Bank and of the PSF provide high-quality consultations concerning the following issues:

o Legal support,o Accounting support,o Auditing,o Business security.

Consultation can be provided both as a separate service, and integrated with the banking services, which allows using flexible tariff policy to the customer servicing.Involving the employees of PSF of the Banking and Consulting Group “Kontrakt” in resolving the customer’s problems allows to minimize the expenses for staff maintenance with regard to the abovementioned directions..

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Legal consulting“Yur-Kontrakt" Ltd

The “Yur-Kontrakt” company’s specialists contribute to the positive resolving of the following areas of customer’s tasks:

o Legal services and court practice;o Deals accompaniment;o Bankruptcy process maintenance, business improvement and business

restructuring;o Crediting and insurance processes maintenance.o Legal maintenance of real estate operations (including land operations).o Other services within legal consulting boundaries; their character depends upon

the tasks set by the Customer and the peculiarities of the Customer’s business.

Contacts: Oksana Vashchenko, t.: +38(044) 537 61 09, f.: 537 62 99;

[email protected]

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Accounting Consulting“Audit-Kontrakt" Ltd

The “Audit-Kontrakt” staff provide Customers with the high-quality consulting on book-keeping, managerial and fiscal accounting. In particular:

o Accounting maintenance of the company’s operations. Compilation and submission of accounts (both fiscal and financial).

o Managerial accounting development and maintenance.o Company tax calculation and management.o Other accounting services.

Contacts: Alla Komisarenko, t.: +38(044) 537 62 88, f.:  537 62 99;

[email protected]

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Auditing Consulting"Audit-Kontrakt" Ltd

Our auditing specialists provide the customers with a wide range of services concerning verification and analysis of companies activities, individual projects and operations, checking companies on the subject of observance of the current legislation of Ukraine, correctness of tax charge, and reflection of operations in accounting, give efficient recommendations concerning managerial accounting maintenance. The work of our auditing specialists allows the owners of customers’ companies to evaluate:

o Adequacy of running business by top-managers,o Effectiveness of the enterprise’s (company’s) operations.o Accurateness and completeness of the information submitted to the owner to make

respective conclusions based on the provided recommendations.

Contacts:Oksana Smekhova, t.: +38(044) 537 62 88;

[email protected]

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Business Security Consulting"Pro-Kontrakt" Ltd

Many aspects of any business success depend upon its being protected and upon access to reliable information. The experienced employees of the “Pro-Kontrakt” are ready to provide services to ensure the security of your business, including informational, internal and economic security.

o Estimation of internal and external threats to the security of business, projects, deals.

o Inspection of reliability and financial condition of business associates.o Preparation of information-analytical certificates on markets, projects, partners.o Protection of the enterprise against penetration and influence of criminal elements. o Preparation and conduct of business negotiations with problem customers.o Business correspondence with law enforcement authorities, organizations and

enterprises.o Repayment of overdue accounts receivable.

Contacts: Leonid Bondar, t.: +38(044) 537 62 88, f.: 537 62 99;

[email protected]

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Mortgage crediting Consulting "Pro-Kontrakt" Ltd

Ukraine has over 160 banks. Most of them offer various programs of mortgage loans, different in terms, rates, commissions, size of filling, settlement terms and other peculiarities.

“Pro-Kontrakt” provides such services:o consultation in crediting of private and corporate clients for purchase of

residential real estate, land;o complex support of private clients till obtaining credit funds for purchase

of residential or commercial real estate, land;o analyses of other credit programs of banks on demand of private clients

or legal entities;o complex support of private individuals till obtaining credit funds.

Contacts:Svetlana Matvienko, t.:  +38 044 537 61 08, f.:    537 61 28;

[email protected]

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The Bank has passed several stages in the process of its development. The current stage, which goes back to 2002, is characterized by conduct of the client-oriented policy, which serves as the basis for the bank’s prospective development in accordance with the accepted mission and strategy. This was the reason for renaming of the bank “Antares” to the Trade Finance Bank “Kontrakt”.

In July 2005, the Bank “Kontrakt” moved to its own office, placed in the historic center of Kiev in the vicinity of Andreevskiy Spusk, at the address: 58 Vozdvyzhenska str. That very year the Banking and Consulting Group “Kontrakt” was formed.

The effectiveness of the bank’s operation in years 2004-2006 is reflected in the financial measures.

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Dynamics of indicators Assets and regulatory capital

0

50

100

150

200

01.01.2004 01.01.2005 01.01.2006 01.01.2007

Assets dynamics (in thosands uah)

34

36

38

40

01.01.2004 01.01.2005 01.01.2006 01.01.2007

Regulatory capital dynamics(in thosands uah)

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The dynamics of income and active operations reserve

(per quarter)

05 000

10 00015 00020 00025 00030 00035 000

01.01.2004 01.01.2005 01.01.2006 01.01.2007

Income dynamics(in thosands uah)

0,002 000,004 000,006 000,008 000,00

10 000,0012 000,00

01.01.2004 01.01.2005 01.01.2006 01.01.2007

Reserves under credits(in thosands uah)

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The structure of assetsas of 01.01.2007

5% 6%

12%8%

16%1%1%

51%

Cash Balances with the National Bank of UkraineLoans and advences to banks Loans and advences to customersSecurities Tangible and intangible assetsAccount receivable Other assets

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Liability Structureas of 01.01.2007

16%

16%

6%

2%7%

22%

31%

Deposits from banks Current accounts of customers

Deposits of economical entities Deposits of individuals

Accounts payable Other liabilitiesAuthorized capital

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The advantages of cooperation with the Banking and Consulting Group “Kontrakt”

o Confidentiality.o High-qualitaty risk management.o Individual approach to resolving the clients’ and partners’ issues.o Rapid decision making.o Integrated service activities including both classical banking and legal,

accounting and auditing maintenance along with business security.Due to the integration of the main business directions within the limits of a single structure, using the PSF services of the “Kontrakt” allows us to eliminate the customer’s business information leakage.

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For Investors

o Participation in joint with the Bank or independent construction financing projects, purchase of commercial and residential real estate.

o Acquisition of securities of Ukrainian emitters to get control over industrial objects or to form portfolio investments.

o Crediting of other commercial banks or borrowers on the territory of Ukraine through the operator bank.

o Depositing cooperation. We are ready to accept monetary funds for deposit in the national or foreign currency from a legal or natural person guaranteeing the yield in the national or foreign currencies.

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Oleg Shkula, director general of the group of companies LITER:

”… The specific character of our business, where there are no two completely similar projects, demands constant search of partners close to us by spirit, rapidness and nonstandard decision-making…”

Ekaterina Kostereva, Director of “Terrasoft” Ltd:

“… The bank staff are tactful and positive people who are pleasant to work with…”

Leonid Goncharov, Chairman of the board of CJSC “Ligostroy”: “As of October, 2005 we had the volume of servicing in the “Kontrakt” equal to 70 million annually. And the growth of this indicator still continues. With regard to settlements there was no single hour or minute of delay here…”

Andrey Evseev, FOYIL SECURITIES NEW EUROPE CJSC: “…In the person of employees of the bank “Kontrakt” we see those qualities which are necessary for successful work of the company and the bank: professionalism, responsibility, efficiency, flexible approach to solution of questions, confidentiality of servicing…”

Victor Postelnikov, Director general of CJSC “Avtogruppa Vipos”:“… The bank “Kontrakt” was selected by us as a result of the tender among banks as a bank which has offered us the most favourable terms on the market. Over the whole period of our work with this bank, the “Kontrakt” has never failed – all business processes in the bank are very strictly regulated…”

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All the most actual information with regard to the Bank services, news of the Bank, conditions of cooperation, new offers for clients and partners, contact persons on specific issues You can find on

the Internet-site of the Bank “Kontrakt”

www.kontrakt.ua

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Contacts

o Central office: Ukraine, 01025, Kyiv, 58 Vozdvyzhenska Str.t.: +38(044) 537 62 88, f.: +38(044) 537 62

[email protected]

o Branch bank “Beresteyske”: Ukraine, 03113, Kyiv, 38 Laherna Str.t.: +38(044) 452 34 86 (87, 88)

o Contact persons:Yuliya Bogdanova,Head of Corporate Customers Departmentt.: +38(044) 537 61 28, e-mail: bogdanova@kontrakt

.ua

Katerina Gorbach,Head of Client Politics Administration t.: +38(044) 537 61 08, e-mail: [email protected]