Delta Bank paid the second coupon of own debt bonds

February 2, 2006

“Commercial Bank “Delta” obtained banking license No. 225 dd. 20 April 2006 from the National bank of Ukraine. The bank`s specialization will be consumer lending.

Although Delta Bank`s capital is currently UAH 60 million, the management has stated that their plan is to increase the total shareholders` equity to 353.5 million by the end of 2006. At the same time total loan portfolio is expected to exceed USD 100 million.

Also by the end of the year the bank plans to set up the branch network consisting of 1,500 consumer loan points of sale in all regions of Ukraine, and effectively to become the leader in the consumer finance segment in Ukraine.

The sole founder and shareholder of the bank is Mr.Nikolay Lagun.