Bank PIVDENNYI | Strategic priorities

Maintain organic growth	Support of extremely solid market share in Odessa region Franchise expanding outside of the home region to most economically developed and densely populated areas of Ukraine Development of the Bank's business along with development of customers' business Assets growth preserving their high quality
Develop corporate and SME business	Maintenance of a broad diversity clients base Strengthening the Bank's position in SME market being the most dynamically developing economy segment in Ukraine Development of the Bank's market share in corporate banking through using its unique and long standing relationship experience with leading companies in trading, food processing, beverages industry, metalware production, telecommunications.
Develop retail business	Expanding retail deposits base as an important funding source Cautious growth strategy for retail loan portfolio (up to 30.0 % of loans by the end of 2010) Focusing on mortgage loans Development of retail banking service range for seamen and employees of SME and corporate customers
Improve service standards	Further implementation of modern banking technologies Public awareness promotion Expanding of distribution channels