Delta Bank and “Ukrainian Processing Center” signed cooperation agreement

April 21, 2008

Delta Bank and “Ukrainian Processing Center” (UPC) signed agreement on outsourcing of cash machines with cash-in-cash-out deposit function. All branches of Delta Bank will be equipped with cash-in machines by the end of the year 2008. The first 50 cash machines will be placed in the first half of the current year. Agreement between Delta Bank and “UPC” implies the full circle of service: from financing of purchase of cash machines to everyday servicing. Thus, Delta Bank will obtain his own branding cash machine “turnkey”. “UPC” will render to the bank all-round outsourcing services, including technical support of devices, centralized control system for cash machines, processing and monitoring of transactions through processing center in Kiev. Eugene Plotitca, operational director of Delta Bank: “Delta Bank is a quite specialized retail bank, which offers financial products to physical persons. Nevertheless, we are striving to render the same list of banking services as the universal banks. While we were choosing the decision for servicing of our cards, we concentrated on outsourcing, as the results and effectiveness of clients servicing are more important for us than the process of technical support of cash machines”. Cooperation with “UPC” will allow Delta Bank to render his clients the services of encashment and paying off a credit. “This scheme of cooperation with processing center will let Delta Bank to develop his own network of cash machines without huge investments in equipment and personnel” — says Vadim Paukov, director of self-service network support department of “UPC”. Due to centralized control system of cash machines, which is used by “UPC”, Delta Bank will considerably reduce expenses for purchase, introduction and servicing of cash machines using a few intermediaries. Thanks to outsourcing Delta Bank can efficiently manage network of cash machines, and active usage of deposit cash machines will allow introduce self-servicing for a part of card transactions, that will automate bank processes.

Information Delta Bank is one of the leaders in consumer lending on domestic market, maintaining about 25% market share of this segment. As of 01.04.2008 Delta Bank’s retail loan portfolio was UAH 2 572.01 MM, net assets equaled to UAH 4 701.11 MM. At the beginning of the year 2008 Delta Bank issued more than 500 thousand credit cards and, thus, took the 8-th place among the CIS countries and the 4-th place in Ukraine by amount of active credit cards. At present Bank has 29 branches and more than 6 thousand points of sale. Bank’s key partners in development of sales channels are the following networks: “Foxtrot”, “АBV-Tekhnika”, “Domotekhnika”, “7 Kontinent”, “Mobilochka”, “Allo”, “Melafon”, “Focus”, “City.Com” and others. Banking license of National bank of Ukraine dated 20th of April, 2006. Bank is in middle-size group of Ukrainian banks. Delta Bank is established and solely owned by Mr. Nikolay Lagun.

Information “UPC” (www.upc.ua) — leader of processing market of save electronic financial transactions in Ukraine, which already 10 years facilitates development of payment cards market, operatively reacting on increasing requirements of financial institutions. “UPC” services 50 banks in Ukraine and 2 banks in Eastern Europe, rendering such complex of services with payment cards: authorization, clearing, risks and fraud monitoring, as well as outsourcing of cash machines and self-servicing terminals. “UPC” has status MSP and TPP Visa and MasterCard, certificate for servicing of American Express cards in network of POS-terminals.