SCM’s banking assets are represented by two banks: First Ukrainian International Bank (FUIB) and Dongorbank.

According to the Association of Ukrainian Banks (AUB) the Group’s domestic market share as of December 31, 2006 was 2.89%.

The new banking development strategy of the Group includes both the further development of the corporate client base and development of retail banking as this is considered to be the most promising banking services segment in Ukraine.

The Group plans to increase its presence on the market by means of

<       implementing advanced technologies providing a new quality level of services for clients;

<       developing the branch network;

<       developing a wide range of products and services.

The key goal set by the Group’s banks is to create favorable conditions for fast and efficient interaction with clients on the basis of a policy of providing open and transparent information.

The key competitive advantages of the Group include:

<       advanced technologies;

<       wide network of ATMs;

<       efficient risk management;

<       western approaches to business.