Statement on Financial Position (Balance Sheet)

Statement on Financial Position (Balance Sheet)

as of ІIIquarter of 2012

(UAHthousand)

Item / Reporting period / Previous period
1 / 2 / 3
ASSETS
Monetary funds and equivalents / 1045769 / 696389
Funds of bank placed as obligatory reserves with the National bank / 31130 / 32593
Trade securities / 0 / 0
Otherfinancialassetsaccountedatfairvalueasprofitorloss / 4121 / 10274
Funds with other banks, including: / 99881 / 274319
in foreign currency / 1481 / 50318
reservesunderdepreciationoffundswithotherbanks / (2079) / (3771)
Loans and indebtedness of customers, including: / 1453915 / 1488331
loans and indebtedness of legal entities, including: / 1333730 / 1341078
in foreign currency / 553649 / 571183
reservesunder depreciation of customers’ loans and indebtedness / (250982) / (285296)
loans and indebtedness of individuals, including: / 120185 / 147253
in foreign currency / 79117 / 107966
reservesunder depreciation of customers’ loans and indebtedness / (60082) / (66712)
Securities in portfolio of the bank for sale, including: / 444372 / 395503
reservesunderdepreciationofsecuritiesinportfolioofthebankforsale / (10016) / (9565)
Securitiesinportfolioofthebankheld to maturity, including: / 19867 / 18457
reservesunderdepreciationofsecuritiesinportfolioofthebankheldtomaturity / (5816) / (5216)
Investment in associated companies and subsidiaries / 8006 / 8009
Investment properties / 149462 / 148486
Accountsreceivablewithregardtocurrentprofittax / 5831 / 146
Deferred tax asset / 3449 / 3449
Fixed assets and intangible assets / 203048 / 227576
Other financial assets, including: / 34069 / 28998
reserves under other financial assets / (2491) / (1526)
Other assets, including: / 18704 / 45444
reserves under other assets / (2975) / (2146)
Noncurrentassetsheldforsale, andassetsofdisposalgroup / 276 / 767
Total assets, including: / 3521900 / 3378741
in foreign currency / 1420430 / 1175587
LIABILITIES
Other banks funds, including: / 657588 / 426795
in foreign currency / 478065 / 264287
Customers’ funds, including: / 2053278 / 2133514
funds of legal entities, including: / 769359 / 855997
in foreign currency / 441768 / 490587
demand funds of legal entities, including: / 177916 / 282771
in foreign currency / 45449 / 107774
funds of individuals, including: / 1283919 / 1277517
in foreign currency / 501964 / 462786
demand funds of individuals, including: / 347241 / 358413
in foreign currency / 50648 / 59795
Debt securities issued by the bank, including: / 0 / 0
in foreign currency / 0 / 0
Other raised funds / 7656 / 8067
Liabilitieswithregardtocurrentprofittax / 7329 / 971
Deferred tax liabilities / 50687 / 50251
Reserves under liabilities / 1269 / 994
Other financial liabilities / 36269 / 20952
Other liabilities / 10739 / 12063
Subordinated debt / 0 / 0
Liabilities of disposal group / 0 / 0
Total liabilities, including: / 2824815 / 2653607
in foreign currency / 1437366 / 1230669
EQUITY CAPITAL
Authorized capital / 607798 / 607798
Issue profit/loss / 8022 / 8022
Non-registered contributions to authorized capital / 0 / 0
Unappropriatedprofit (uncoveredloss) / 51911 / 31928
Reserves and other funds of the bank / 137686 / 136842
Revaluation reserves / (108332) / (59456)
Total equity capital / 697085 / 725134
Total liabilities and equity capital / 3521900 / 3378741

Approved for release and signed by:

On October 19, 2012 / Acting Chairman of the Board ______G.V. Samardak
Executed by Goncharov
218-43-66 / Chief Accountant ______T.V.Grebeshkova

Statement on profits and losses and other gross revenue

(FinancialStatement)

as of ІIIquarter of 2012

(UAH thousand)

Item / Reporting period / Previous period
as of current quarter / asofcurrentquarterasprogressivetotalYTD / as of respective quarter of the previous year / as of respective quarter of the previous year as progressive total YTD
1 / 2 / 3 / 4 / 5
Interest income / 104222 / 297571 / 107405 / 319562
Interest expenses / (60381) / (172793) / (46000) / (161643)
Netinterestincome/(Net interest expenses) / 43841 / 124778 / 61405 / 157919
Commission income / 9153 / 28219 / 13842 / 42352
Commission expenses / (2717) / (8213) / (3083) / (11057)
Performanceoftransactionswithsecuritiesin trade portfolio of the bank / 0 / 0 / 0 / 0
Performance of transactions re. fair value hedge / 0 / 0 / 0 / 0
Performance from revaluationof otherfinancialinstrumentsaccountedatfairvalueas profit or loss / (4512) / (6152) / 9494 / 8851
Performanceofsecuritiessale in trade portfolio of the bankfor sale / 0 / 0 / 69 / 816
Performance of foreign exchange transactions / 1588 / 3763 / 3005 / 4912
Performance of foreign currency revaluation / 686 / 341 / (1912) / (1984)
Performance of investment properties’ revaluation / 0 / 0 / 0 / 0
Income/(loss) arisenatinitialacknowledgementoffinancialassetsatinterestratehigher orlowerthanmarketrate / (155) / (1311) / (177) / (177)
Income/(loss) arisenatinitialacknowledgementoffinancialliabilitiesatinterestratehigher orlowerthanmarketrate / 0 / 0 / 0 / 0
Assessments to reserves for depreciation of loans and funds with other banks / 13203 / 20475 / (13831) / (30867)
Assessments to reserves for depreciation of accounts receivables and other financial assets / (1178) / (2361) / (4096) / (5516)
Depreciation of securities in bank’s portfolio for sale / (141) / (451) / 3838 / 4162
Depreciation of securities in bank’s portfolio held to maturity / (712) / (599) / (4259) / (4450)
Assessments to reserves under liabilities / (703) / (273) / (121) / 95
Other operational income / 3002 / 7442 / 2468 / 5784
Administrative and other operational expenses / (45005) / (137217) / (48824) / (138789)
Share in profit/(loss) of associated companies / 0 / (2) / 0 / 0
Profit/(loss) before taxation / 16350 / 28439 / 17818 / 32051
Profits tax expenses / (3694) / (7805) / (4426) / (7816)
Profit/(loss) from continuing operation / 12656 / 20634 / 13392 / 24235
Profit/(loss) from suspended operation after taxation / 0 / 0 / 0 / 0
Profit/(loss) / 12656 / 20634 / 13392 / 24235
OTHER GROSS REVENUE:
Revaluation of securities in portfolio of the bank for sale / (27482) / (48724) / (11988) / (3115)
Revaluation of fixed assets and intangible assets / (68) / (194) / (54) / (73)
Performance of revaluation of cash flows hedge transactions / 0 / 0 / 0 / 0
Share of associated company’s other gross profit / 0 / 0 / 0 / 0
Profit tax related to other gross revenue / 14 / 41 / 12 / 16
Other gross revenue after taxation / (27536) / (48877) / (12030) / (3172)
Total gross revenue / (14880) / (28243) / 1362 / 21063
Profit/(loss) from continuing operationper one share:
net profit/(loss) per one common share / 0,07 / 0,11 / 0,07 / 0,13
adjusted net profit/(loss) per one common share / 0,07 / 0,11 / 0,07 / 0,13
Profit/(loss) from suspended operation per one share:
net profit/(loss) per one common share
adjusted net profit/(loss) per one common share
Quarter profit/(loss) per one share:
net profit/(loss) per one common share / 0,07 / 0,11 / 0,07 / 0,13
adjusted net profit/(loss) per one common share / 0,07 / 0,11 / 0,07 / 0,13

Approved for release and signed by:

October 19,2012 / Acting Chairman of the Board ______G.V. Samardak
Executed by Goncharov
218-43-66 / Chief Accountant ______T.V.Grebeshkova

Note. Dividends

(UAH thousand)

Tier / Item / Reporting period / Previous period
per common shares / per privileged shares / per common shares / per privileged shares
1 / Balance at the beginning of the period / 4656 / 0 / 4656 / 0
2 / Dividends to be paid out within the period according to respective decision / 0 / 0 / 0 / 0
3 / Dividends paid out within the period / 0 / 0 / 0 / 0
4 / Balance at the end of the period / 4656 / 0 / 4656 / 0
5 / Dividends per one share to be paid out within the period according to respective decision / 0 / 0 / 0 / 0

Note. Potential liabilities of the bank

Table1. Futureminimumrentchargesasprovidedforbybindingagreementforoperationallease

(UAH thousand)

Tier / Item / Reporting period / Previous period
1 / 2 / 3 / 4
1 / Up to 1 year / 6796 / 8845
2 / From 1 to 5years / 7356 / 10777
3 / More than 5 years / 2713 / 3346
4 / Total / 16865 / 22968

Table2. Lending obligations structure

(UAH thousand)

Tier / Item / Reporting period / Previous period
1 / 2 / 4 / 5
1 / Lending obligations issued / 7005 / 18426
2 / Unutilized credit lines / 49189 / 53784
3 / Export documentary credits / 0 / 690
4 / Import documentary credits / 68918 / 72531
5 / Guarantees issued / 3424 / 3099
6 / Other / 0 / 0
7 / Reserve under lending obligations / (1269) / (994)
8 / Total lending obligations less reserves / 127267 / 147536

Table 3. Lending obligations by currencies

(UAH thousand)

Tier / Item / Reporting period / Previous period
1 / 2 / 3 / 4
1 / Hryvnia / 49231 / 62509
2 / US Dollar / 77682 / 83855
3 / Euro / 0 / 690
4 / Other / 354 / 482
5 / Total / 127267 / 147536

Table4. Continuallyrecognizedpledgedassets

(UAH thousand)

Tier / Item / Reporting period / Previous period
pledged assets / secured obligation / pledged assets / secured obligation
1 / 2 / 3 / 4 / 5 / 6
1 / Trade securities / 0 / 0 / 0 / 0
2 / Securities in portfolio of the bank for sale / 0 / 0 / 0 / 0
3 / Securities in portfolio of the bank held to maturity / 0 / 0 / 0 / 0
4 / Investment property / 0 / 0 / 0 / 0
5 / Fixed assets / 0 / 0 / 0 / 0
6 / Other / 11229 / 8256 / 93549 / 89816
7 / Total / 11229 / 8256 / 93549 / 89816

Note. Special bank performance indicatorsas of III quarter of 2012

Tier / Item / At reporting date / Normative values
1 / 2 / 3 / 4
1 / Bank regulatory capital (UAH thousand) / 752064 / 120000
2 / Regulatory capital adequacy (%) / 25,26 / not less than10%
3 / Regulatory capital to total assets ratio (%) / 21,16 / not less than9%
4 / Current liquidity (%) / 63,31 / not less than40%
5 / Maximumcreditriskperonecounterparty (%) / 24,20 / not more than25%
6 / Large credit risks(%) / 239,49 / not more than800%
7 / Maximumvolumeofloans, guaranteesandsuretyshipsissuedtooneinsider (%) / 3,98 / not more than5%
8 / Maximumtotalvolumeofloans, guaranteesandsuretyshipsissuedtoinsiders (%) / 8,19 / not more than30%
9 / Return on assets (%) / 0,76 / х
10 / Credit transactions classified as “standard” (UAH thousand) / 103258 / х
10.1 / Reserve created under such transactions (UAH thousand) / 346 / х
11 / Credit transactions classified as “under control” (UAH thousand) / 856962 / х
11.1 / Reserve created under such transactions (UAH thousand) / 14614 / х
12 / Credit transactions classified as “sub-standard” (UAH thousand) / 712516 / х
12.1 / Reserve created under such transactions (UAH thousand) / 22846 / х
13 / Credit transactions classified as “impaired” (UAH thousand) / 41869 / х
13.1 / Reserve created under such transactions (UAH thousand) / 9122 / х
14 / Credit transactions classified as “non-performing” (UAH thousand) / 166700 / х
14.1 / Reserve created under such transactions (UAH thousand) / 166685 / х
15 / Net profit per one common share (UAH) / 0,11 / х
16 / Amount of dividends paid for the year 2011 per: / 0 / х
16.1 / Common share / 0 / х
16.2 / Preference share / 0 / х
17 / Listofbankshareholdersdirectlyandindirectlyholding 10% andmoreinbank’sauthorizedcapital / х
Fullnameforlegalentities, surname, firstandpatronymicnamesforindividuals / Country code / Holding in authorized capital
direct holding / indirect holding
Insurance Company with Additional Liability “Zakhid-Reserv” / 804 / 17,1884 / 0,0000
SOLDATENKO MYKOLA / 040 / 11,0712 / 17,1884
Dvoretskiy Igor Volodymyrovich / 804 / 3,9786 / 17,5829
Satskiy Vitaliy Antonovich / 804 / 1,4842 / 17,1884
October 19,2012 / Acting Chairman of the Board ______G.V. Samardak
Executed by Goncharov
218-43-66 / Chief Accountant ______T.V.Grebeshkova