Financing

Parameter	Value
Interest rate	9% per annum for medium and large-sized businesses with an option of a 7%-reduction if new jobs are created
One-time fee for granting a loan	1–1.5% of the loan amountм

Parameter	Value for all projects
1–30 days	22,0%
31–60 days	23,5%
61–90 days	25,0%
Agro clients	23,0%
Exceeding the allowed period of use of the Credit	Double interest rate applied for the maximum term of the period of continuous use of the Credit
One-time commission for providing financing (% of the financing amount): 1%

Parameter	Value for all projects
1–30 days	20,0%
31–60 days	21,5%
61–90 days	23,0%
Agro clients	21,0%
Exceeding the allowed period of use of the Credit	Double interest rate applied for the maximum term of the period of continuous use of the Credit
One-time commissions for providing financing (% of the financing amount)
for secured transactions	0,25%
for unsecured transactions	1%

Parameter	Value
Interest rates in UAH (% per annum)
Turnover 90 days	variable - UIRD 3m + 6,0%
Turnover 180 days	variable - UIRD 3m + 7,0%
Turnover 270 days	variable - UIRD 3m + 7,75%
Turnover 360 days	variable - UIRD 3m + 8,0%
Interest rates in USD (% per annum)
Turnover 360 days	variable - UIRD 3m + 6,1%
Interest rates in EUR (% per annum)
Turnover 360 days	variable - UIRD 3m + 5,4%
One-time fees (for the provision of a financial loan; for financial credit management (with an increase in the contract limit); for the management of a financial loan (with an increase in the term of use of the loan) (% of the financing amount)
for secured transactions	0.25%
for unsecured transactions	0.5%
Interest rates under the «Affordable loans 5-7-9%» program:	for replenishment of working capital - 9% per annum for investment purposes - 9% per annum with an option of 7%-reduction provided that new jobs are created
Commission fee under the «Affordable loans 5-7-9%» program	1–1.5% (one-time payment) of the loan amount

Parameter	Value
Interest rates in UAH (% per annum)	20%
One-time fee for providing financing (% of the amount)	0.5%

Parameter	Value
Loan interest rates
Loan and deposit in UAH	+2,5% per annum to the deposit rate
Loan and deposit in EUR/USD	+3% per annum to the deposit rate
Loan in UAH, deposit in EUR/USD	21% per annum
No fee is charged for granting the loan

Parameter	Value
Insurance of the pledged object (% of the cost, annually)
Light vehicles	from 4.68% per year
Commercial vehicles	from 1.77% per year
Trailers/semi-trailers	from 1.32% per year
Agricultural machinery	from 0.5% per year
Special equipment	from 0.7% per year
Residential real estate	from 0.16% per year
Commercial and office real estate	from 0.17% per year
Equipment, office equipment	from 0.17% per year
Goods in circulation	from 0.24% per year
Land plots	from 0.06% per year
Assessment of the property offered as a pledged object by an estimating entity
Residential real estate (apartments)	UAH 1,600.00–2,500.00
Residential real estate (houses)	UAH 2,800.00–4,000.00
Non-residential premises and buildings, including	UAH 2,000.00–14,000.00 depending on the area
up to 100 sq. m	UAH 2,000.00–3,500.00
100–200 sq. m	UAH 3,500.00–4,000.00
200–500 sq. m	UAH 4,000.00–5,000.00
500–1,000 sq. m	UAH 5,000.00–7,000.00
1,000–2,000 sq. m	UAH 7,000.00–9,000.00
2,000–5,000 sq. m	UAH 9,000.00–14,000.00
5,000+ sq. m	UAH 1.50–2.00/sq. m
Used light vehicles	UAH 1,500.00–2,000.00
Used trucks and buses	UAH 2,000.00–2,500.00
Production lines	UAH 2,500.00+
Whole property complexes	UAH 20,000.00+
Real estate objects located on a separate land plot, including	UAH 8,500.00–24,000.00 depending on the area of the plot and the number of structures
up to 5	UAH 8,500.00–10,500.00
5–10	UAH 12,500.00–16,000.00
10–20	UAH 18,500.00–21,000.00
20+	UAH 24,000.00
Notarisation of the pledge (one-time)
Notary services	UAH 1,500.00+
State duty	0.1% of the cost

Parameter	Leasing 5-7-9%	Standart leasing
Basic interest rate on leasing programmes (% per annum)	From 5 to 9%	22%*
One-time fee for providing financing (% of the financing amount)	0,5%
* The interest rate can be reduced under the existing partner programmes with suppliers of leased assets.

Parameter	Value
Light vehicles	from 4.45% per year
Commercial vehicles	from 1.77% per year
Trailers/semi-trailers	from 0.98% per year
Agricultural machinery	from 0.38% per year
Special equipment	from 0.6% per year
Registration with state bodies (one-time registration)
Agricultural machinery	UAH 3,000.00
Vehicles	UAH 1,500.00
Pension Fund duty (for light vehicles)
Cost up to UAH 346,830.00	3% of the price without VAT
Cost of UAH 346,831.00–609,580.00	4% of the price without VAT
Cost of UAH 609,581.00+	4% of the price without VAT
Installing GPS trackers (for light and commercial vehicles up to 3.5 tons)
Tracker cost + installation	UAH 1,500.00 for 1 car
Assessment of the leased asset (one-time, indicative cost per unit)
Production equipment	UAH 1,925.00
Light vehicle	UAH 1,540.00
Commercial vehicles	UAH 1,925.00
Buses and minibuses	UAH 1,925.00
Railway transport	UAH 2,090.00
Agricultural machinery (self-propelled)	UAH 1,925.00
Special equipment	UAH 1,925.00

Guarantees opened by the bank
Type of service	Tariff*
Provision of a guarantee/counter-guarantee (except for the unsecured tender guarantee and the unsecured guarantee for travel agents)**	0.3% of the amount of the guarantee/counter-guarantee (but not less than UAH 1,500.00 and no more than UAH 30,000.00)
Provision of an unsecured tender guarantee	- UAH 2,000.00 (for a guarantee of up to UAH 75,000.00 included); - UAH 3,000.00 (for a guarantee of UAH 75,000.01–150,000.00 included); - 2% of the guarantee amount (for a guarantee in the amount of UAH 150, 000.01–1,000,000.00 included); - 1.5% of the guarantee amount (for a guarantee in the amount of UAH 1,000,000.01+)
Granting/increasing the amount/extending the unsecured guarantee for travel agents for 1 year	UAH 3,600.00
Changing the terms of the guarantee/counter-guarantee***	UAH 1,000.00
Guarantee/counter-guarantee obligation (charged for all guarantees, except for cash-secured guarantees in the coverage account 2932/2952, unsecured tender guarantees, and unsecured travel agent guarantees)****	- At least 3% per annum (min UAH 500.00 per month) – secured by property rights to the deposit. - At least 4% per annum (min UAH 500.00 per month) – secured by movable/immovable property. - At least 5% per annum (min UAH 500.00 per month) – under other security, except for the deposit/movable/immovable property, or without security.
Guarantees received by the bank
Type of service	Tariff*
Advising of guarantee/counter-guarantee or amendment to guarantee/counter-guarantee, including its premature termination***	UAH 1000.00
* All the tariffs are indicated without VAT. Unsecured guarantee tariffs are applied to the partially covered guarantee. ** Tariff is applied for cash-secured guarantees in the coverage account 2932/2952 provided that the customer is: a) a legal entity with financial class 10, b) an enterpreneur with financial class 5, c) a newly created enterprise/enterpreneur without calculated financial class. *** The fee is charged for each change. If several changes are made at the same time, one fee is paid. **** Payment for the guarantee by the bank with the bank's funds is a loan to the client under the terms specified in the guarantee agreement.

Letters of credit opened by the bank
Type of service	Tariff*
Granting the letter of credit	0.3% of the letter of credit amount (min UAH 1,500.00, max UAH 30,000.00)
Changing the terms of the letter of credit, cancellation of the letter of credit**	UAH 1,000.00
For the obligation under an uncovered letter of credit (charged for all letters of credit, except for letters of credit under monetary security in the coverage account 2932/2952)***	- At least 3% per annum (min UAH 500.00 per month) – secured by property rights to the deposit. - At least 4% per annum (min UAH 500.00 per month) – secured by movable/immovable property. - At least 5% per annum (min UAH 500.00 per month) – under other security, except for the deposit/movable/immovable property, or without security.
Letters of credit received by the bank
Type of service	Tariff*
Advising on the letter of credit/changes to the terms of the letter of credit, including its cancellation**	UAH 1,000.00
Confirmation of the letter of credit: with coverage in PrivatBank	UAH 1,500.00
Confirmation of the letter of credit: uncovered***	No less than 5% per annum (min UAH 500.00 per month)
* All the tariffs are indicated without VAT. ** ** The fee is charged for each change, including early cancellations. If several changes are made at the same time, one fee is paid. *** Payment under a letter of credit at the expense of the bank is the providing of a loan to a client on the terms specified in the general agreement on opening documentary letters of credit

Type of service	Tariff
Cost of one promissory note bill (simple or transferable)	UAH 50.00, incl. VAT – UAH 8.33
State duty in the amount of 0.1 of the non-taxable minimum income of citizens for each bill	UAH 1.70

Letters of credit provided by the bank
Type of service	Tariff
Opening or increasing the amount of the letter of credit	0.2% (min USD 100.00, max USD 2,000.00)
Payment under the letter of credit	0.15% (min USD 100.00, max USD 1,000.00)
Fee for unsecured transaction obligations	2% per annum – secured by property rights to the deposit, government bonds or under counter-guarantees of other banks; 3% per annum – secured by property; 3.5% per annum – under other security or blank. At least USD 20.00 per month
Sending payment documents between banks	According to the courier service rates
Amendment	50 USD
Letters of credit received by the bank
Advising on the letter of credit/increasing the amount	0.15% (min USD 100.00, max USD 500.00)
Verification of documents under the letter of credit	0.2% (min USD 100.00, max USD 1,000.00)
Confirmation of the letter of credit	With coverage in PrivatBank – 0.15% (min USD 100.00, max USD 500.00). Without coverage – from 2% per annum (at least USD 20.00 per month).
Sending payment documents between banks	According to the courier service rates
Advising of amendment	50 USD

Guarantees and stand-by letters of credit provided by the bank
Type of service	Tariff
Granting or increasing the amount of the guarantee, stand-by letter of credit	0.3% (min USD 100.00, max USD 1,500.00)
Fee for unsecured transaction obligations	from 2% per annum – secured by property rights to the deposit, government bonds or under counter-guarantees of other banks; from 3% per annum – secured by movable or immovable property; from 3.5% per annum – under other security or blank. At least USD 20.00 per month
Sending payment documents between banks	According to the courier service rates
Amendment	50 USD
Guarantees and stand-by letters of credit received by the bank
Advising on guarantees, stand-by letters of credit, or inquiry on authenticity/increasing the amount	0.15% (min USD 100.00, max USD 500.00)
Sending payment documents between banks	According to the courier service rates
Advising of amendment	50 USD

Type of service	Tariff
Processing of payment collection documents (for export payment collection – registration, change of terms, cancellation of collection orders; for import payment collection – acceptance and transfer of documents, transfer or return of payment documents for collection, advising on changes in the terms of collection orders (namely, cancellation), making settlement using collection)	0.15% (min USD 100.00, max USD 500.00)
Sending payment documents between banks	According to the courier service rates

Type of service	Tariff
Term	from several months to 1 year
Maximum amount	100% of the total contract amount
Contract amount	no less than USD 100,000.00
Cost of financing	It is determined in each individual case and depends on the current LIBOR/EURIBOR* rate. The security offered by the client and the history of cooperation are taken into account. * The EURIBOR or LIBOR rate is the seller's interest rate on the European and London Interbank Deposit Markets in EUR or USD, respectively.

Parameter	Value
Interest rate (% per annum)	21%
One-time fees
or the provision of a financial loan	0,01%, min. 1000 UAH (% of the amount)
Additional commissions for documentary transactions	accounting transfer operations due to the burden of the CPU with blocking/unblocking obligations, without VAT (by link)