REIMBURSEMENT STATISTIC BANKS AND SAVINGS HOUSES WHERE A RISK EVENT OCCURRED From the establishment of the Fund until 30/09/2008, 7 risk events occured at the following Fund members: Reimbursement beginning date Bank/Savings House     .01/02/2000 .Uni Prokom Savings House AD Skopje .15/08/2000 .Almako Bank AD Skopje 10/07/2003 .Mitstedilnica DOO Kumanovo .29/07/2003 .Eksport Import Bank AD Skopje 25/08/2005 .Radobank AD Skopje 05/02/2007 .Savings house Kiro Kucuk DOO Veles 04/12/2007 .Makedonska banka AD Skopje   PUBLIC ANNOUNCEMENTS FOR THE OCCURRENCE OF RISK EVENTS AND THE BEGINNING OF THE REIMBURSEMENT 1. Public announcement to the depositors of Uni Prokom Savings House AD Skopje for the occurrence of a risk event – 26/11/1999. 2. Public announcement to the depositors of Uni Prokom Savings House AD Skopje for the commencement of the reimbursement of the insured deposits – 28/01/2000. 3. Public announcement to the depositors of Almako Bank AD Skopje for the occurrence of a risk event – 02/03/2000. 4. Public announcement to the depositors of Almako Bank AD Skopje for the commencement of the reimbursement of the insured deposits – 14/08/2000. 5. Public announcement to the depositors of the savings house MITSTEDILNICA DOO Kumanovo for the occurrence of a risk event – 04/06/2003 . 6. Public announcement to the depositors of Export Import Bank AD Skopje for the occurrence of a risk event – 02/07/2003. 7. Public announcement to the depositors of the savings house MITSTEDILNICA DOO Kumanovo for the commencement of the reimbursement of the insured deposits – 09//07/2003. 8. Public announcement to the depositors of Export Import Bank AD Skopje for the commencement of the reimbursement of the insured deposits – 28/07/2003. 9. Public announcement to the depositors of Radobank AD Skopje for the occurrence of a risk event - 10/06/2005. 10. Public announcement to the depositors of Radobank AD Skopje for the commencement of the reimbursement of the insured deposits – 23/08/2005. 11. Public announcement to the depositors of the Savings house Kiro Kucuk DOO Veles for the occurrence of a risk event - 16/10/2006. 12. Public announcement to the depositors of the Savings house Kiro Kucuk DOO Veles for the commencement of the reimbursement of the insured deposits – 05/02/2007. 13. Public announcement to the depositors of Makedonska banka AD Skopje for the occurrence of a risk event – 29/10/2007. 14. Public announcement to the depositors of Makedonska banka AD Skopje for the commencement of the reimbursement of the insured deposits – 04/12/2007. PAYING BANK FOR THE INSURED DEPOSITS The reimbursement of the deposits for the depositors of the savings house MITSTEDILNICA DOO Kumanovo shall be carried out through Komercialno Investiciona Bank AD Kumanovo. The reimbursement of the deposits for the depositors of Export Import Bank AD Skopje shall be carried out through Komercialna Bank AD Skopje. The reimbursement of the deposits for the depositors of Radobank AD Skopje shall be carried out through Univerzalna Investiciona Banka AD Skopje. The reimbursement of the deposits for the depositors of the Savings house Kiro Kucuk DOO Veles shall be carried out through ProCredit Bank Skopje. The reimbursement of the deposits of Makedonska banka AD Skopje shall be carried out through Komercijalna banka AD Skopje, for the depositors in Skopje, and through Stopanska banka Skopje, for the depositors in other places of the country. REIMBURSEMENTS From the establishment of the Deposit Insurance Fund until 30.09.2008, during the 11 years the Fund exists in the macedonian environment, 7 risk events have occurred among the Fund's members i.e. 4 banks and 3 savings houses. To the Fund, this meant a potential liability for savers' reimbursement in a total amount of cca 1.5 billion Denars. Most of which (87.37%) or 1.3 billion Denars of the total liability amount is the calculated reimbursement for the savers of Makedonska Banka AD Skopje under liquidation. The Deposit Insurance Fund with its' own sources of funds managed to reimburse (up to the total deposits by titulars, within the legal framework) all the savers that showed up at the premises of the paying-banks and that have chosen the way they want to dispose with their own resources from the reimbursement. Up to 30.09.2008 from the total number of savers of 121,594 of 7 members of the Fund where a risk event occurred, 20,506 savers have been reimbursed up to the amount of cca 1.4 billion Denars. From the total number of savers, 16.86% have been reimbursed but from the total amount of calculated reimbursement in Denars, 93.66% has been carried out. The difference to the total reimbursement amount mostly refers to savers with small balance accounts (between 100.00 and 1,000.00 Denars) as well as to a small group of savers from Makedonska Banka under liquidation with large balance accounts, which from the beginning of its' reimbursement period (ten months) until now have not chosen the way they want to dispose with their outstanding claims from the Fund by virtue of reimbursement. The reimbursement statement of the members of the Fund is as follows: (Denar 000) Name of the bank/savings house Calculated reimbursement Reimbursement Number of reimbursed savers Reimbur-sement % (3/2) 1 2 3 4 5   Almako banka AD Skopje Bankruptcy procedure started in 1999 1.785,0 381,2 10 21,36 Eksport-Import banka AD Skopje Bankruptcy procedure started in 2003 95.608,5 91.332,7 573 95,53 Rado bank AD Skopje Bankruptcy procedure started in 2005 76.005,6 71.506,6 780 94,08 Makedonska banka AD Skopje Liquidation procedure started in 2007 1.304.585,2 1.220.344,2 18.845 93,54 Savings house "Uni prokom" - Skopje Bankruptcy procedure started in 1998 5.118,3 4.919,5 79 96,12 Mit Savings house DOO Kumanovo Liquidation procedure started in 2003 6.769,3 6.767,6 33 99,97 Savings house "Kiro Kucuk" - Veles Liquidation procedure started in 2006 3.318,6 3.239,5 186 97,62   Total: 1.493.190,5 1.398.491,3 20.506 93,66