The history of Universal Bank dates back to 1994. It has been a member of the international banking group Eurobank EFG Group since 2006, which has a strong presence in Greece, Bulgaria, Serbia, Romania, Ukraine, United Kingdom, Luxembourg, and Cyprus. The Group employs approximately 22,500 people and offers its products and services both through its network of over 1,600 branches and points of sale, as well as through alternative distribution channels. The Group’s assets total €76.8 bn. Eurobank EFG Group is a member of EFG Group, the international banking group present in 40 countries. For more detailed information about Eurobank EFG Group, visit www.eurobank.gr.

Universal Bank maintains a robust capital and has a wide branch network. It ranks among Ukraine’s large banks by capital size according to the classification of the National Bank of Ukraine. As of April1, 2012 its statutory capital totals UAH 1.153 bln. (www.bank.gov.ua).

The mission of Universal Bank is to invest in the economic development of the country by providing high level services, innovative products and valuable banking expertise to business and private segments of the Ukrainian market.

The vision of Universal Bank is to become the bank of choice for both business and retail customers and strengthen its position as a reliable and professional partner in Ukraine and worldwide.

Universal Bank provides a full range of banking products and services to corporate and retail customers, including deposits and loans. The Bank offers residential mortgage, consumer loans and credit cards. Provision of a full range of banking products and services to representatives of small, medium and corporate businesses is a strategic direction for Universal Bank. The Bank services a corporate segment ensuring an individual approach and high level of customer service.

Universal Bank is a member of the Retail Deposit Guarantee Fund. According to Credit Rating Agency, it has the highest bank deposit rating at the level “5”. In April 2011 the agency reiterated Universal Bank’s long-term rating at the level “uaAA” with a stable outlook. This is one of the highest long-term credit ratings in Ukraine, which is updated every six months and reflects high reliability and credibility of a bank. Universal Bank has maintained its high rating since September 2008.

Universal Bank has been repeatedly acknowledged by Ukrainian publications and rating agencies. In July 2010 Universal Bank was named as 2nd most stable bank among 50 Ukrainian banks, according to the results of the rating of economic stability of Ukrainian banks carried out by «Kontrakty» business weekly as part of the project titled “2010 Top Banks”.

In July 2010 Miltiadis Papanikolaou, CEO of Universal Bank, was ranked 2nd on the list of “Top-10 Best Performing Banking Executives”, which was released by an influential rating agency “Expert–Rating” jointly with the business magazine “Expert Ukraine” as part of the “2010 Best Financiers” rating project.

In April 2010 Universal Bank received the “2009 Most Professional Bank” award from «Bizness» business weekly based on the results of its 12th annual Financial Rating.

For more information about Universal Bank’s awards and achievements, please visit “Our Achievements” page.