FINAL THESIS Banking in Ukraine and VAB BANK Student IBMS tutor Company mentor Hand-in date 20th August 2010 Confidentiality statement This Thesis is a confidential document. All the information included herein is Kardan N.V.s intellectual property to be used only by those authorized. Any unauthorized use, republishing, reproduction, distribution, transmission or otherwise exploitation of this document or any information contained in any manner is strictly prohibited. All rights reserved. Acknowledgements I would like to express my gratitude to all those who gave me the possibility to complete this thesis. I want to thank Mr. Garty, my company supervisor. He gave me a chance to get a great experience being a part of this company and he was supporting me during my internship period. Thank you for your patience, time and support. I would like to express my deepest appreciation to my IBMS tutor Mr. Wijckmans for his help, stimulating suggestions and encouragement he supported me all the time during research and writing of this thesis. In addition, I want to thank my family and my friends for support, love, inspiration and advice. Thank you for being near during my thesis-writing period. I passed through thanks to you. Graduate May 2010