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Delta Bank Presentation

Delta Bank Presentation. Delta Bank in the Media. 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 ( http://forbes.ua/business/1356667-top-10-bystrorastushchih-bankov-ukrainy/1356673 ).

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Delta Bank Presentation

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  1. Delta Bank Presentation

  2. SUK001BJ1 v2 Delta Bank in the Media 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 (http://forbes.ua/business/1356667-top-10-bystrorastushchih-bankov-ukrainy/1356673) Forinsurer.com placed Delta Bank on the 4-th place as one of the safest banks in Ukraine in 2013 (http://forinsurer.com/rating-banks) 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%) (http://minfin.com.ua/2013/08/13/796094/) 2

  3. Financial Highlights 01 October 2013 3

  4. SUK001BJ1 v2 Ownership Structure Cargill, Inc. • 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 24.02.2011. • 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. NikolayLagun • 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

  5. Delta Bank Financial Highlights (stand alone) +60% Y-t-Y Y-t-Y +29% +68% 5

  6. Ranking among Ukrainian Banks 6

  7. Market Position 7 Source: NBU

  8. Historic Development Balance Sheet Dynamics Acquisition of Kreditprombank 28.02.13 (assets USD 1.5bn) Acquisition of Swedbank 01.04.13 (assets USD 300mio) Acquisition of Astra Bank 18.06.13 (assets USD 200mio) Acquisition of Ukrprombank’s portfolio kick-start to Corporate business Ukrsibbank NPL portfolio Acquisition SwedBank’sretail portfolio Acquisition Share Capital Injection Portfolio Growth 8

  9. Profitability YE 2012 • 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 1 829,8mio (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 1 230,4mio. 9

  10. Business Directions 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 RETAIL BUSINESS BRANCHES POS SMEs Treasury Internet Investment Banking Financial Institutions 10

  11. Branch Network 6 4 3 4 44 5 10 6 7 15 3 4 3 3 2 10 3 19 28 2 9 8 13 7 226 Branches Plan for January 2014 – 228 branches. 8 11

  12. Strategy implementation 09/2013 – TOP 4 bank in Ukraine by Total Assets – $ 6.5 bln Q4 2012 -Q1 2013 - successful acquisition of Kreditprombank (TOP 20) and Swedbank Ukraine(TOP 60). Planned integration process in 2013-2014 • Second largest consumer finance portfolio in Ukraine with over 3.8 million clients Internet banking platform development and growth up to 300k clients. 2012 – became part of Largest Banks Group in Ukraine according to classification of National Bank of Ukraine. Q4 2011 – Q2 2012 acquisition of two retail loan portfolios: NPL (UkrSibbankBnP Paribas) and PL (Swedbank Ukraine) with an aim to client base diversification 2011-2012 - # 1 government bonds trader (“OVGZ”) in Ukraine 2011 – Ukraine’s # 1 Dynamic Bank in 2011 by Net Profit Growth 2010 – acquisition of assets of Ukrprombank on public auction from temporary administration. Start of corporate banking development and expansion 12

  13. Subsequent events in 1H 2013 (stand alone) Assets grew by 72% up to $6.5bn Increase of loan portfolio by 61% up to $3.7bn Increase in corporate depositsby 165% up to $1.2 bn and increase in retail depositsby 74% up to $2.8 bn Attracted subordinated debt in amount of $252m Increase operating income by 26% comparing to 1H 2012 2013 – Ukraine’s # 1 Dynamic Tier 1 Bank Local currency bonds successfully placed in the amount of UAH 200mio 13

  14. IFRS Financials: Statement of Comprehensive Income (non-audited, stand alone) 14

  15. IFRS Financials: Statement of Financial Position (non-audited, stand alone) 15

  16. Thanks for your attention! 16

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