CUSTOMERS’ SUCCESS IS

THE BANK’S SUCCESS

www.sbb.by

Contents • Bank profile• Incorporation and shareholders• Licensed activities• Performance results• Banks’ profitability comparison • Compliance to basic standards• Professional team• Our principles • Bank branches network • Closer to people• Banking services• Settlement and cash services centre • Credit facilities for corporate

customers • Deposits for corporate customers• Micro loans• Securities operations• Planned activities• Contact information

Bank profile

Incorporation and shareholders

Closed joint-stock company «SOMBelBank» is a bank with 100% foreign capital.

Incorporated by the National Bank of the Republic of Belarus

on April 24, 2004.

The bank’s shareholders are private commercial organizations from the Latvian Republic.

Shareholding structure (as of 01.04.2007г.):

SIA POLIMER R, Riga, Latvia 99,96 %

Others 0,04 %

Licensed activities

CJSC «SOMBelBank» conducts banking operations on the basis of a:

• License for conducting banking activities issued by the National Bank of the Republic of Belarus № 25 dated 26.04.2007.

CJSC «SOMBelBank» conducts certain licensed types of activities on the basis of a:

• License issued by the Committee for Securities attached to the Council of Ministers of the Republic of Belarus № 04120 dated 01.06.2004 for conducting professional and exchange activities with securities.

• Permission of the State Customs Committee of the Republic of Belarus № 42 dated 07.09.2005 to the right to guarantee payment of customs fees.

License plans

The bank is planning to obtain the permission to deposit funds belonging to individuals.

This will allow for expanding the range of retail services and pass on to the entire range of banking services for our clients.

Basic requirements: Two-year time span of

experience in the market (from the date of incorporation),

stable financial situation,equity capital of over 10 mln

Euro.

Performance results

The reliability of the accounting statements for the years 2004 - 2006Is confirmed by the international audit company Deloitte & Touche.

23561,225543,7

37024,739067,8

37517,9

8161,9

15399,3 15404,817761 18306,8

65,2 881

21306,819211,1

10138,9

19905,4

17119,3

1426,81859,3705,1

01.01.2005 01.01.2006 01.01.2007 01.04.2007 01.07.2007

Assets Liabilities Capital Profits

Indicators of financial andeconomic activities

Indicators of financial andeconomic activities

Profit and total balance

5211697,3

6032170 6070329,5 6066922 6327280,9

01.0

1.20

05

01.0

1.20

06

01.0

1.20

07

01.0

4.20

07

01.0

7.20

07

Total balance,mln. BYR

Normative capital,Euro

Profits, mln. BYR

24439,930709,7

42174,6

49760,152903,1

65,2 705,1 1859,3 881 1426,8

01.0

1.20

05

01.0

1.20

06

01.0

1.20

07

01.0

4.20

07

01.0

7.20

07

Comparative table of assets profitability in a number of banks as of 01.07.2007

3,5 3,6

4

1,6 1,7

2,1 2

0,60,9

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SOMBel

Bank

Belaru

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Bank

Indus

trial

niy Bank

Absolutb

ank

Bank "Moskv

a-M

insk

"

Min

skiy T

ransit

niy B

ank

BelSwis

sBan

k

Priorb

ank

Indicators of financial andeconomic activities

54,2

8

70,1

41,9

45,6 1,8 2 1

147,8

20

107,4

141,3

293,6

70

23,6 20

78,5

54,3

41,8

114,3114,9

23,2 22,2

01.01.2006 01.01.2007 01.07.2007 Normative Value

Adequacy of normative capital, % Adequacy of principal capital, %

Short-term liquidity, % Instant liquidity, %

Current liquidity (%) Proportion of liquid and total assets, %

Compliance to basic economicstandards in 2006-2007

Professional team

High-qualified employees are the most important asset of any successful company.

SOMBelBank undeniably boasts a united team of professionals who are ready to implement most ambitious plans and projects.

Over the past year, 50 employees have joined our team. The total number of employees currently in the bank amounts to over 130 people.

Our basic principles

Given the competition in the market of consumer crediting, we are motivated to improve our credit products and refine the loan claims procedures.

The basic principles at CJSC «SOMBelBank»: • Availability• Security• Accuracy• Competence

Availability

You receive the set of

services you need with

minimal time and money

expences in the place

and at the time you

prefer;

Security

the quality of the services the bank delivers corresponds

to the quality they have been claimed to be of; hand over

hand and on due term;

Accuracya detailed description of the services,

easily perceived by the customer;

Competence

based on using specialized software,

high professional standards for personnel,

responsibility of the bank employees.

Bank branches network

At present, SOMBelBank is comprised of

• 5 bank services centers in the city of Minsk,

• 1 bank services centre in the city of Hrodna,

• 1 settlement and cash services centre,

• 3 distant stations in shopping outlets.

Our plans include establishing bank services centers in Mogilev, Brest and Solihorsk as well as cooperating with a large number of entrepreneurs in Gomel, Vitebsk, Mozyr, Bobruisk.

Banking services

A universal bank!

SOMBelBank is a universal commercial financial institution with the classic range of invariably high quality banking services:

• Settlement and cash and credit services for corporate customers

• Securities operations

• Currency exchange

• Issuing customs warrants

• Consumer crediting

• Settlement and cash services for individuals

• Consultation services

Settlement and cash services

Settlement and cashservices is the basic servicethat a bank delivers to itscustomers.Services providedSOMBelBank include:

• Prompt and accurate payment

operations

• Advantageous rates

• Operating with all types of

accounts used in Belarus

• A personal manager supervising

all the customer’s accounts

• Electronic payment system

«Klient-Bank» (Client-Bank)

Deposits for corporate customers

The best way to make profits out of Your’ company'scurrently available assets is to deposit them inSOMBelBank

• High interest rates• Varied deposit periods• Any currency

Credit facilities

for corporate

customers

Optimum form and schedule of loans

Factoring, leasing, warrants and guarantees

Micro loansMicro loans program incentives :• Supporting small and medium business • Banking services profitability growth

Micro loans recipients:• Individual entrepreneurs• Small and medium companies

Securities operations

• We operate with state securities • We provide consultations and assistance in

purchasing securities • We issue our own bills of exchange• We operate with bills of exchange from other banks

Planned activities

• Depositing money assets owned by individuals

• Bank card services

• Loans for individuals

- housing construction loans

- overdraft loans

- auto loans

Contact information

Head office 25 Marksa Str. +375 17 206-65-82, 222-70-91

BSC №1 30 Engelsa Str.+375 17 206-33-14, 206-33-15

BSC №2 93а Kropotkina Str. +375 17 237-75-36, 237-75-06237-75-36, 237-75-06

BSC №3, №3, 7 7 Naydusa Str., GrodnoNaydusa Str., Grodno+375 15 770-110, 77-25-25770-110, 77-25-25

BSC №49 №49 Kulman Str.Kulman Str. +375 17 290-74-26, 220-12-77290-74-26, 220-12-77

BSC №5 20/3№5 20/3 Pobediteley Ave. Pobediteley Ave.+375 17 250-11-82250-11-82

BSC №6 24 Kalvariyskaya Str.+375 17 200-00-81

We are glad to meet You in our offices