Brand Awareness Report

1. Brand Awareness Report

Monitoring of developments
Marketing support office
March 2010

2.

Methodology
Data Source
Study of Ukrainian Individual Banking Services Market / FMDS (Financial Market Data
Service), GfK Ukraine
Research Timing
Monthly updates with 1k respondents interviewed. In 2007 January is missing.
Research
Population
Presentation
Specific Notes
Age
16 yo+
Location
All Ukraine
Awareness
Population : 16yo+ people around Ukraine if not
noted otherwise
Main Bank Position
Population: contract banking service users of
16yo+ around Ukraine if not noted otherwise

3.

Brand Awareness: Benchmark
Unprompted Awareness: Dynamics, 2008-2010
Prompted Awareness: Dynamics, 2008-2010
100%
100%
80%
80%
90.7%
84.7%
77.5%
60%
55.7%
40%
32.3%
24.1%
20.5%
20%
4.7%
0%
RB Aval
Ukrsibbank
Unprompted awareness
90%
92%
92%
20%
0%
2008Q1 2008Q2 2008Q3 2008Q4 2009Q1 2009Q2 2009Q3 2009Q4 2010Q1
75%
Dec
Jan
Feb
Privatbank
OTP
Ukrsotsbank
Nadra
RB Aval
Ukrsibbank
Ukrsotsbank
Nadra
Awareness: Dynamics, Dec’09-Mar’2010
91%
82%
84%
81%
69%
77%
23.9%
Prompted awareness
85%
79%
56.4%
51.9%
40%
2008Q1 2008Q2 2008Q3 2008Q4 2009Q1 2009Q2 2009Q3 2009Q4 2010Q1
Privatbank
OTP
71.5%
60%
77%
Mar
58%
Dec
56%
Jan
58%
Feb
53%
Mar
29%
Dec
67%
33%
Jan
65%
32%
Feb
66%
32%
Mar
57%
57%
23%
24%
Dec
Jan
59%
29%
Feb
50%
50%
47%
17%
23%
20%
18%
Dec
Jan
Feb
Mar
46%
51%
20%
Mar
23%
23%
5%
5%
20%
6%
16%
4%
Dec
Jan
Feb
Mar

4.

Brand Awareness: Benchmark
Quarterly change
10-12'2009 - 01-03'2010
Annual change
01-03'2009 - 01-03'2010
01-03'2009
rank
N of people, k
%
N of people, k
%
rank
N of people, k
%
rank
N of people, k
%
rank
%
rank
%
rank
74,9%
1
29 627,2
75,8%
1
30 301,4
77,5%
1
674
▲1,7%
0
1 012
▲2,6%
0
OSCHADBANK
35 301,7
90,3%
2
35 586,8
91,0%
2
35 918,6
91,9%
1
332
▲0,8%
+1
617
▲1,6%
+1
25 205,5
64,5%
2
24 532,8
62,7%
2
25 705,2
65,7%
2
1 172
▲3,0%
0
500
▲1,3%
0
PRIVATBANK
35 772,7
91,5%
1
35 921,1
91,9%
1
35 573,3
91,0%
2
-348
▼0,9%
-1
-199
▼0,5%
-1
RB AVAL
22 349,6
57,2%
3
23 217,6
59,4%
3
21 771,8
55,7%
3
-1 446
▼3,7%
0
-578
▼1,5%
0
RB AVAL
32 672,1
83,6%
3
33 082,4
84,6%
3
32 134,5
82,2%
3
-948
▼2,4%
0
-538
▼1,4%
0
NADRA
16 243,1
41,5%
4
12 499,4
32,0%
4
12 646,5
32,3%
4
147
▲0,4%
0
-3 597
▼9,2%
0
NADRA
28 801,6
73,7%
4
26 863,9
68,7%
4
25 835,4
66,1%
4
-1 028
▼2,6%
0
-2 966
▼7,6%
0
UKRSOTSBANK
UKRSIBBANK
8 884,9
7 242,6
22,7%
18,5%
5
6
8 875,3
8 005,6
22,7%
20,5%
5
6
9 433,5
7 997,0
24,1%
20,5%
5
6
558
-9
▲1,4%
▼0,0%
0
0
549
754
▲1,4%
▲1,9%
0
0
UKRSOTSBANK
UKRSIBBANK
21 665,4
17 756,9
55,4%
45,4%
5
6
22 334,7
21 057,4
57,1%
53,9%
5
6
21 054,7
19 254,5
53,8%
49,2%
5
6
-1 280
-1 803
▼3,3%
▼4,6%
0
0
-611
1 498
▼1,6%
▲3,8%
0
0
ALFA BANK
6 995,1
17,9%
7
5 630,1
14,4%
9
7 037,2
18,0%
7
1 407
▲3,6%
+2
42
▲0,1%
0
PROMINVESTBANK
15 922,5
40,7%
9
15 987,0
40,9%
9
16 058,5
41,1%
7
72
▲0,2%
+2
136
▲0,3%
+2
PRAVEX-BANK
5 862,8
15,0%
9
6 509,3
16,6%
7
5 579,2
14,3%
8
-930
▼2,4%
-1
-284
▼0,7%
+1
PRAVEX-BANK
15 001,7
38,4% 10
17 243,5
44,1%
8
15 632,5
40,0%
8
-1 611
▼4,1%
0
631
▲1,6%
+2
PROMINVESTBANK
4 994,4
12,8% 10
5 739,9
14,7%
8
5 193,8
13,3%
9
-546
▼1,4%
-1
199
▲0,5%
+1
ALFA BANK
16 131,9
41,3%
8
17 423,7
44,6%
7
15 396,3
39,4%
9
-2 027
▼5,2%
-2
-736
▼1,9%
-1
-2
+1
DELTA BANK
FINANCES AND CREDIT
16 822,5
10 810,0
43,0% 7
27,6% 11
15 550,7
13 517,3
39,8% 10
34,6% 11
13 319,0
12 295,9
34,1% 10
31,4% 11
-2 232
-1 221
▼5,7%
▼3,1%
0
0
-3 504
1 486
▼9,0%
▲3,8%
-3
0
%
rank
%
29 289,0
OSCHADBANK
rank
N of people, k
PRIVATBANK
N of people, k
rank
Annual change
01-03'2009 - 01-03'2010
%
Quarterly change
10-12'2009 - 01-03'2010
N of people, k
01-03'2010
rank
Bank
10-12'2009
%
01-03'2010
N of people, k
Bank
10-12'2009
N of people, k
01-03'2009
N of people, k
Prompted Awareness
Unprompted Awareness
DELTA BANK
FINANCES AND CREDIT
6 149,0
2 833,7
15,7% 8
7,2% 12
5 146,0
3 893,7
13,2% 10
10,0% 11
3 870,3
3 850,3
9,9% 10
9,8% 11
-1 276
-43
▼3,3%
▼0,1%
0
0
-2 279
1 017
▼5,8%
▲2,6%
FUIB
3 129,2
8,0% 11
2 886,4
7,4% 13
3 013,9
7,7% 12
128
▲0,3%
+1
-115
▼0,3%
-1
UKRGAZBANK
10 511,5
26,9% 12
11 814,4
30,2% 12
10 585,8
27,1% 12
-1 229
▼3,1%
0
74
▲0,2%
0
UKRPROMBANK
2 321,5
5,9% 14
2 524,4
6,5% 14
2 704,1
6,9% 13
180
▲0,5%
+1
383
▲1,0%
+1
UKRGAZBANK
2 472,3
6,3% 13
2 938,4
7,5% 12
2 649,9
6,8% 14
-288
▼0,7%
-2
178
▲0,5%
-1
UKRPROMBANK
FUIB
8 861,1
7 551,4
22,7% 13
19,3% 15
10 554,8
10 154,1
27,0% 13
26,0% 14
9 844,6
9 035,0
25,2% 13
23,1% 14
-710
-1 119
▼1,8%
▼2,9%
0
0
983
1 484
▲2,5%
▲3,8%
0
+1
UKREXIMBANK
1 683,5
4,3% 19
2 032,3
5,2% 18
2 648,6
6,8% 15
616
▲1,6%
+3
965
▲2,5%
+4
RODOVID
6 178,7
15,8% 18
8 413,9
21,5% 18
8 934,6
22,9% 15
521
▲1,3%
+3
2 756
▲7,0%
+3
OTP BANK
1 904,2
4,9% 17
1 993,2
5,1% 19
2 222,4
5,7% 16
229
▲0,6%
+3
318
▲0,8%
+1
INDEX-BANK
2 041,4
5,2% 16
2 176,9
5,6% 15
2 045,1
5,2% 17
-132
▼0,3%
-2
4
▲0,0%
-1
OTP BANK
UKREXIMBANK
6 805,4
6 952,7
17,4% 17
17,8% 16
8 998,5
9 023,0
23,0% 16
23,1% 15
8 145,6
7 650,6
20,8% 16
19,6% 17
-853
-1 372
▼2,2%
▼3,5%
0
-2
1 340
698
▲3,4%
▲1,8%
+1
-1
MEGABANK
1 832,0
4,7% 18
2 167,8
5,5% 16
1 823,2
4,7% 18
-345
▼0,9%
-2
-9
▼0,0%
0
INDEX-BANK
7 851,4
20,1% 14
8 487,1
21,7% 17
7 092,9
18,1% 18
-1 394
▼3,6%
-1
-758
▼1,9%
-4
RODOVID
KREDOBANK
2 121,5
1 600,4
5,4% 15
4,1% 20
2 051,4
1 763,9
5,2% 17
4,5% 21
1 779,1
1 744,7
4,6% 19
4,5% 20
-272
-19
▼0,7%
▼0,0%
-2
+1
-342
144
▼0,9%
▲0,4%
-4
0
FORUM
KREDITPROMBANK
6 100,4
4 508,3
15,6% 19
11,5% 23
7 078,7
5 670,2
18,1% 19
14,5% 22
6 658,7
5 989,3
17,0% 19
15,3% 20
-420
319
▼1,1%
▲0,8%
0
+2
558
1 481
▲1,4%
▲3,8%
0
+3
FORUM
1 047,6
2,7% 26
1 841,4
4,7% 20
1 600,8
4,1% 21
-241
▼0,6%
-1
553
▲1,4%
+5
MEGABANK
3 630,3
9,3% 28
6 054,4
15,5% 21
5 955,9
15,2% 21
-98
▼0,3%
0
2 326
▲5,9%
+7
VTB
VAB BANK
1 320,4
0,0
3,4% 21
2,7% 25
1 251,1
1 059,2
3,2% 23
2,7% 24
1 497,1
1 447,0
3,8% 22
3,7% 23
246
388
▲0,6%
▲1,0%
+1
+1
177
1 447
▲0,5%
▲1,0%
-1
+2
KREDOBANK
5 878,9
15,0% 20
6 307,1
16,1% 20
5 801,1
14,8% 22
-506
▼1,3%
-2
-78
▼0,2%
-2
VTB
5 089,1
13,0% 22
5 424,8
13,9% 24
5 647,5
14,4% 23
223
▲0,6%
+1
558
▲1,4%
-1
KREDITPROMBANK
1 158,5
3,0% 23
1 286,8
3,3% 22
1 212,5
3,1% 24
-74
▼0,2%
-2
54
▲0,1%
-1
VAB BANK
4 451,5
11,4% 24
5 564,1
14,2% 23
5 332,0
13,6% 24
-232
▼0,6%
-1
880
▲2,3%
0
0,0
0,0
3,3% 22
2,9% 24
1 022,5
858,6
2,6% 25
2,2% 28
1 111,1
1 047,4
2,8% 25
2,7% 26
89
189
▲0,2%
▲0,5%
0
+2
1 111
1 047
▼0,5%
▼0,2%
-3
-2
ERSTE Bank
SWEDBANK
5 215,0
4 016,4
13,3% 21
10,3% 26
4 382,2
4 922,9
11,2% 27
12,6% 25
4 416,0
4 122,2
11,3% 25
10,5% 26
34
-801
▲0,1%
▼2,0%
+2
-1
-799
106
▼2,0%
▲0,3%
-4
0
UNIVERSAL BANK
719,3
1,8% 29
946,0
2,4% 27
889,6
2,3% 27
-56
▼0,1%
0
170
▲0,4%
+2
BROKBIZNESBANK
3 974,3
10,2% 27
4 010,5
10,3% 28
4 106,7
10,5% 27
96
▲0,2%
+1
132
▲0,3%
0
CREDIT-DNIPRO
416,9
1,1% 30
714,6
1,8% 29
644,4
1,6% 28
-70
▼0,2%
+1
227
▲0,6%
+2
UNIVERSAL BANK
1 455,7
3,7% 32
4 610,0
11,8% 26
3 393,2
8,7% 28
-1 217
▼3,1%
-2
1 938
▲5,0%
+4
BROKBIZNESBANK
368,3
0,9% 31
977,5
2,5% 26
642,9
1,6% 29
-335
▼0,9%
-3
275
▲0,7%
+2
CREDIT-DNIPRO
1 966,8
5,0% 30
2 810,5
7,2% 29
2 459,1
6,3% 29
-351
▼0,9%
0
492
▲1,3%
+1
UNICREDIT BANK
164,6
0,4% 34
376,5
1,0% 31
540,7
1,4% 30
164
▲0,4%
+1
376
▲1,0%
+4
UNICREDIT BANK
1 891,7
4,8% 31
2 671,1
6,8% 30
2 054,7
5,3% 30
-616
▼1,6%
0
163
▲0,4%
+1
791,5
3 381,1
2,0% 34
8,6% 29
1 870,1
1 830,9
4,8% 31
4,7% 32
1 808,1
1 325,1
4,6% 31
3,4% 32
-62
-506
▼0,2%
▼1,3%
0
0
1 017
-2 056
▲2,6%
▼5,3%
+3
-3
11,4% 25
2,3% 33
0,0
0,0
0,0% 33
0,0% 33
0,0
0,0
0,0% 33
0,0% 33
0
0
0,0%
0,0%
0
0
-4 446
-914
▼11,4%
▼2,3%
-8
0
0,5%
60
▲0,2%
130
▲0,3%
SWEDBANK
ERSTE Bank
SEB BANK
AGROBANK
251,3
931,1
0,6% 32
2,4% 28
432,3
357,8
1,1% 30
0,9% 32
243,8
234,9
0,6% 31
0,6% 32
-189
-123
▼0,5%
▼0,3%
-1
0
-8
-696
▼0,0%
▼1,8%
+1
-4
SEB BANK
AGROBANK
PROCREDITBANK
ING BANK Ukraine
970,2
217,7
2,5% 27
0,6% 33
0,0
0,0
0,0% 33
0,0% 33
0,0
0,0
0,0% 33
0,0% 33
0
0
0,0%
0,0%
0
0
-970
-218
▼2,5%
▼0,6%
-6
0
PROCREDITBANK
ING BANK Ukraine
4 446,2
913,9
NONE AWARENESS
568,1
1,5%
-299
▼0,8%
187
▲0,5%
NONE AWARENESS
63,2
1 053,4
2,7%
754,7
1,9%
0,2%
133,9
0,3%
193,6
Red frames on the tables mark statistically significant changes in comparison with the preceding wave of the research at the 95% confidence level.

5.

Regional Brand Awareness: Unprompted
Kyiv city
26.8%
Rivne
11.7%
Volyn
16.5%
Chernihiv
17.0%
Zhytomyr
11.0%
Lviv
14.2%
Khmelnytskyi
Ternopil
21.4%
Zakarpattia
11.6%
10.3%
16.0%
Kyiv
6.9%
30.8%
Ivano-Frankivsk
Sumy
Poltava
Kharkiv
46.2%
37.4%
Cherkasy
12.5%
Vinnytsia
17.6%
Kirovohrad
10.4%
Chernivtsi
12.5%
24.4%
Dnipropetrovsk
25.1%
Mykolaiv
Donetsk
19.4%
Zaporizhia
11.0%
Overall
Luhansk
7.9%
Kherson
Odesa
21.4%
29.6%
20.5%
20.5%
Oct-Dac’09 Jan-Mar’10
AR Crimea
22.2%
More than 30%
20% - 30%
15% - 20%
10% - 15%
Under 10%

6.

Regional Brand Awareness: Prompted
Kyiv city
63.7%
Rivne
42.5%
Volyn
43.5%
Chernihiv
47.9%
Zhytomyr
51.5%
Lviv
50.6%
Khmelnytskyi
Ternopil
48.8%
Zakarpattia
18.4%
36.2%
31.5%
Kyiv
22.1%
56.4%
Ivano-Frankivsk
Sumy
Poltava
Kharkiv
75.6%
75.7%
Cherkasy
34.0%
Vinnytsia
33.5%
Kirovohrad
37.9%
Chernivtsi
39.3%
53.1%
Dnipropetrovsk
62.6%
Mykolaiv
Overall
Luhansk
Donetsk
36.5%
Zaporizhia
37.9%
22.4%
Kherson
Odesa
83.0%
73.7%
53.9%
49.2%
Oct-Dac’09 Jan-Mar’10
AR Crimea
49.7%
More than 50 %
40% - 50%
30% - 40%
20% - 30%
Under 20%

7.

Regional Brand Awareness
Unprompted Awareness: UkrSibbank
+8%
+7%
-16%
46%
40%
+10% -11%
-7%
-11%
-8%
Oct-Dec'09
Jan-Mar'10
18%
10%
8%
Zakarpatska
Sumska
17%
12%
Kyivska
7%
-20%
-18%
Zaporizhska
24%
16%
Vinnytska
Cherkaska
IvanoFrankivska
Donetska
18%
19%19%
21%
17% 19%
10%
10%
13%
10%
Kirovogradska
Mykolaivska
Cherniveska
12%
12% 11%
11%
7%
1%
Rivenska
Volynska
Chernigivska
24%
22%
16%14% 15% 19% 21% 12%
17%
17%
Lvivska
Zhytomyrska
Luganska
Ternopilska
Dnipropetrovska
Kyiv
Odeska
11%
Khmelnytska
37%
31%
27%
21%24%
ARC
30%
27% 29%
26%
26%
25%
Poltavska
Kharkivska
37%
29%
21%
16%
Khersonska
70%
60%
50%
40%
30%
20%
10%
0%
Prompted Awareness: UkrSibbank
+22%
-8%
-22%
-16%
-13%
73%
Oct-Dec'09
Jan-Mar'10
54%
42%
36%
22%
22%
18%
Zaporizhska
Kyivska
Zakarpatska
32% 29%
Sumska
Vinnytska
Cherkaska
IvanoFrankivska
Donetska
Kirovogradska
Mykolaivska
Cherniveska
Rivenska
Volynska
Chernigivska
Khmelnytska
ARC
51% 50%
49%
50%
50%
47%
50% 47% 41%48%47%
39% 46%
43%
36%
44% 42% 38%
38%
38%
37%36%
37%
34% 39%33%
Lvivska
51%
Zhytomyrska
56% 57%53%
Ternopilska
Dnipropetrovska
Kyiv
Odeska
+7%
-22%
-15%
Luganska
-7%
76% 75%
76% 74%
74% 69%
70% 71%
68%
64% 63%
Poltavska
61%
+8%
Kharkivska
83%
Khersonska
100%
90%
80%
70%
60%
50%
40%
30%
20%
10%
0%

8.

Brand Awareness: Type of Locality
Unprompted Awareness: UkrSibbank
Prompted Awareness: UkrSibbank
Oct-Dec'09
70%
Jan-Mar'10
60%
60%
50%
50%
40%
40%
30%
30%
20%
20%
20% 20%
14% 14%
25% 25%
21% 20%
27% 28%
Village
50 k-
51-100 k
Unprompted awareness
500 k+
52%
50 k-
51-100 k
101-500 k
54%
49%
38%
Total
62%
49%
Total
500 k+
101-500 k
31%
26%
20%
20%
18%
11%
10% 5%
1% 3% 8% 6%
51-100 k
Total
500 k+
101-500 k
28% 20%
50 k-
52%
25%
14% 20% 20%
51-100 k
26% 24%
50 k-
35% 29%
500 k+
20% 21%
101-500 k
37% 37% 32%
51-100 k
51-100 k
50 k-
Village
Total
500 k+
101-500 k
51-100 k
51% 51%
38%
54% 60% 56% 54% 56% 56%
50 k-
54%
Village
61% 61%
46% 48%
Village
Total
500 k+
101-500 k
64%
66%
Village
75% 77%
69% 72%
66%
27% 32% 28%
51-100 k
500 k+
86% 82%
Village
75%
Total
87% 89%
Total
83% 82%
Village
93% 92%
68%
50 k-
48% 51%
Awareness: Jan-Mar’2010
59%
Village
44%
64% 62%
61%
54% 51%
Prompted awareness
79%
74% 79%
-9%
Total
500 k+
98% 92%
101-500 k
101-500 k
94%
-6%
0%
0%
89%
Jan-Mar'10
10%
20% 20%
50 k-
10%
Oct-Dec'09
70%

9.

Brand Awareness: Occupations
Unprompted Awareness: UkrSibbank
Prompted Awareness: UkrSibbank
Oct-Dec'09
70%
Jan-Mar'10
60%
60%
50%
50%
40%
40%
30%
30%
20%
20%
25% 25%
10%
20% 18%
22% 24%
20% 20%
Students
Total
Oct-Dec'09
70%
Jan-Mar'10
-11%
62%
62%
58%
52% 53%
54%
51%
36%
49%
31%
10%
12% 10%
0%
0%
Employed
Unem ployed
Pensioners
Unprompted awareness
Total
Awareness: Jan-Mar’2010
87%
84%
82%
10%
Unemployed
Pensioners
20%
Total
Pensioners
25%
24%
Students
18%
7%
28%
18%
1%
8%
1%
8%
20%
5%
Total
18%
Employed
19%
30%
Students
25%
49%
Pensioners
24%
51%
53%
42%
Unemployed
58%
Employed
54%
31%
27%
Employed
32%
Total
43%
21%
Students
36% 33%
Pensioners
56%
Unemployed
Students
41%
Total
65%
Pensioners
57%
Unemployed
61%
53%
52%
Total
60%
Students
66%
49%
Employed
Total
Students
Pensioners
60%
78%
71%
73% 71%
Unemployed
87%
85%
81%
Unemployed
Students
92%
71%
Employed
Pensioners
95%
94%
84%
84%
Unemployed
Prompted awareness
Employed
95%
Employed

10.

Brand Awareness: Income Brackets
Unprompted Awareness: UkrSibbank
Prompted Awareness: UkrSibbank
Oct-Dec'09
Jan-Mar'10
Oct-Dec'09
80%
70%
Jan-Mar'10
70%
60%
50%
-9%
-9%
-8%
-9%
60%
50%
40%
40%
-9%
30%
30%
20%
10%
28%
20% 16%
19%
22%
17%
53%
20%
24% 26%
22%
58%
44%
68% 67%
54%
50%
54%
45%
45%
10%
17%
0%
0%
Mas s
Mas s affluent &
Pres tige
IB
Unprompted awareness
90% 91% 90%
98%
PE
Total
Mass
Mass affluent &
Prestige
IB
PE
Total
Awareness: Jan-Mar’2010
Prompted awareness
90%
80% 80% 80% 87% 80%
44%
18%
16% 19% 17%
26%
PE
45%
Total
PE
IB
27%
14%
13% 21% 14%
4% 4% 4% 3% 4%
Mass
affluent&Prestige
17%
Mass
IB
43%
Mass
affluent&Prestige
PE
67%
50% 45%
Mass
30%
IB
17% 22% 18%
Mass
affluent&Prestige
Total
PE
IB
Mass
affluent&Prestige
32% 33% 32% 32% 32%
Mass
Total
PE
IB
Mass
affluent&Prestige
Mass
Total
PE
IB
Mass
affluent&Prestige
53% 55% 54% 52% 54%
Mass
44% 41% 43%
76% 78% 76% 80% 76%
Mass
67%
Total
74% 65%
Total
64% 65% 65%

11.

Brand Awareness: Age
Unprompted Awareness: UkrSibbank
Prompted Awareness: UkrSibbank
Oct-Dec'09
70%
Oct-Dec'09
Jan-Mar'10
60%
60%
50%
50%
40%
40%
30%
30%
+6%
20%
20%
10%
14%
20%
25%27%
28%26%
23%22%
12%11%
0%
-6%
63%60%
52%
46%
65%
58%
59%
55%
54%
50%
54%
49%
35%
31%
0%
20-29
30-39
40-49
Unprompted awareness
95% 94% 95%
30-39
40-49
50-59
60 +
Total
82%
49%
50%
31%
Total
60 +
50-59
40-49
30-39
20-29
16-19
Total
60 +
Total
11%
29% 27% 26%
20%
20%
7% 6% 6% 6%
20%
16%
4% 8%
1% 5%
Total
55%
60 +
43%
60% 58%
46%
50-59
54%
40-49
57% 56%
32% 26% 28% 27%
24% 24% 19% 24% 20% 27% 26% 22% 19%
21%
60 +
50-59
40-49
37% 41% 36% 34% 32%
61% 57%
30-39
51%
20-29
66%
16-19
69% 69%
50-59
76%
40-49
75%
30-39
56%
Total
40%
60 +
50-59
58% 54%
40-49
30-39
Total
60 +
65% 63% 65%
20-29
77%
68%
30-39
82%
20-29
85%
47%
16-19
79%
50-59
40-49
20-29
Awareness: Jan-Mar’2010
16-19
87% 88% 88%
60%
30-39
16-19
Prompted awareness
70%
20-29
Total
92%
83%
87% 85% 82% 83%
60 +
20-29
96% 95%
50-59
16-19
16-19
16-19
-7%
10%
20%20%
19%19%
Jan-Mar'10
70%

12.

Brand Awareness: Region
Unprompted Awareness: UkrSibbank
Prompted Awareness: UkrSibbank
Oct-Dec'09
70%
Oct-Dec'09
Jan-Mar'10
70%
60%
-9%
-7%
60%
50%
-10%
50%
40%
40%
30%
30%
20%
20%
Unprompted awareness
97%
41%41%
57%
47%
63%66%
54%49%
Total
Southern
Center
Podolskyy
Crimean
Kievskyy
Western
Eastern
Dneprovskyy
10%
Total
Southern
Center
Podolskyy
57%
48% 50%50%
Awareness: Jan-Mar’2010
Prompted awareness
94%
91%
89%
85%
82%
50%
47%
49%
41%
Total
Center
Southern
Podolskyy
Crimean
Kievskyy
Western
31%
30%
18% 22% 14%
20%
15%
15%
13%
4% 6% 6% 6% 6% 1% 2% 7% 5%
Dneprovskyy
Total
Southern
Center
Crimean
Podolskyy
26%19%
23% 23% 20%
16% 17% 22% 17%
Eastern
43%
Western
22% 24%
66%
48%
Kievskyy
34%
17%
Dneprovskyy
35%
52%
49%
Eastern
26%
25% 22%
17%
Total
27% 31% 34% 30% 32%
Crimean
42% 36%
Kievskyy
Eastern
Dneprovskyy
Total
Center
Southern
Crimean
Podolskyy
Kievskyy
Western
Dneprovskyy
Eastern
Total
Southern
Center
Crimean
Podolskyy
Western
27%29%
Kievskyy
42%
56%
Western
45% 43%
47%
Eastern
66% 73%
68%
62% 54%
52% 57%
Dneprovskyy
43%
60% 53%
62%
56%
54%
Total
66% 71% 69%
77%
Western
87% 87%
Kievskyy
89%
78%
76%
66% 72%66%
53%
Southern
62%
61%62%
Center
69% 76%
Podolskyy
69%
Center
72%
Southern
79%
77%
Podolskyy
86% 84%
Crimean
92%
86%
Dneprovskyy
46%43%
98% 97%
91%
93%
57%
52% 56%49%
0%
Crimean
Kievskyy
Western
Eastern
0%
Dneprovskyy
26%23%
23%26% 23%19% 19%
23% 20%20%
22%
21%17%
16%
16%
15%17%
15%
10%
Eastern
Jan-Mar'10
80%

13.

Brand Awareness: Gender
Unprompted Awareness: UkrSibbank
Prompted Awareness: UkrSibbank
70%
70%
Oct-Dec'09
Jan-Mar'10
60%
60%
50%
50%
40%
40%
30%
30%
20%
20%
23%
10%
21%
18%
20%
20%
20%
Oct-Dec'09
56%
52%
51%
Jan-Mar'10
54%
48%
49%
10%
0%
0%
Men
Women
Unprompted awareness
92%
82%
53%
54%
24%
24%
24%
48%
49%
21%
20%
20%
21%
18%
20%
5%
5%
5%
Women
Total
32%
Men
32%
Total
Men
Total
Women
Men
Total
51%
56%
Women
54%
33%
Women
55%
77%
58%
Men
66%
Men
77%
65%
Total
67%
Women
80%
Men
85%
78%
Total
Awareness: Jan-Mar’2010
Total
91%
Women
Prompted awareness
Women
93%
Men
Total

14.

Bank Active Clients
Main Bank Position, 2008-2010
40%
Main Bank Position: Market Shares, Jan-Mar’2010
Other; 19,9%
UkrSibbank;
3,1%
40.2%
Ukrsots; 3,0%
Nadra; 0,8%
Prominvest;
4,3%
32%
24%
16%
11.8%
3.1%
3.0%
0.8%
0.5%
8%
RB Aval; 11,8%
0%
2008Q1 2008Q2 2008Q3 2008Q4 2009Q1 2009Q2 2009Q3 2009Q4 2010Q1
Privatbank
Nadra
RB Aval
UkrSibbank
Using Contract Services: Current position, Oct’09-Mar’2010
50%
47.0%
45%
40%
35%
30%
25%
20%
12.6%
15%
10%
3.9%
5%
3.4%
1.6%
0%
0.6%
2008Q1 2008Q2 2008Q3 2008Q4 2009Q1 2009Q2 2009Q3 2009Q4 2010Q1
RB Aval
Nadra
Oshadbank;
17,0%
Ukrsotsbank
OTP
Using Contract Services, 2008-2010
Privatbank
UkrSibbank
Privat; 40,2%
Ukrsotsbank
OTP
47%
50%
45%
1 - Oct-Dec'09
2 - Jan-Mar'10
42%
40%
35%
30%
.
25%
20%
15%
13%
15%
10%
2% 2%
5%
0%
1
2
Privat
1
2
RFB Aval
1
2
Nadra
3% 3%
3% 4%
1
1
2
Ukrsots
2
UkrSibbank
0% 1%
1
2
OTP