Bank `Finance and Credit` is one of the most dynamically developed banks in Ukraine entering the group of the largest banks according to the NBU classification.
According to the NBU data as of 01 January .2008 Bank `Finance and Credit` occupies the following positions among Ukrainian banks:
By Assets – 11
By Financial Result – 7
By Capital - 10
By Liabilities – 10
By Retail Deposits – 9
By Credit and Investment Portfolio - 10
By Mortgage Portfolio – 7
By Land Mortgage Portfolio - 5
By Operations with Banking Metals – 5
By Branch Network – 8
Regulative Bank capital (UAH mln.)
Bank net assets (UAH mln.)
The year 2007 became for a bank a year of dynamic growth, stable stage-by-stage improvement of all the main indicators of banking activity. The bank has significantly enhanced volumes of its activity. At year-end 2007 growth of the Bank`s main indicators was higher than that of the market in general, net assets of the Bank `Finance and Credit` in 2007 increased nearly twofold and amounted to UAH 14.634 billion. Financial result of the Bank`s performance in 2007 made up UAH 279.6 million. Profitability of its assets totaled 1.56 %, which is one of the highest indicators in the market. In 2007 the authorized capital of the Bank increased in 2.5 times: from UAH 519 million to UAH 1,276.5 million.
Dynamics of Bank loan portfolio, UAH bln.
Credit and investment portfolio of the Bank in 2007 amounted to UAH 13.25 billion. Compared to 2006 this indicator of banking activity grew almost twofold (UAH 6.5 billion in 2006). Due to the well-developed branch network the Bank rapidly increases lending volumes for population. Retail loan portfolio increased by UAH 2.3 billion or by 130% over 2007, which is higher than total indicators of consumer lending market. At year-end 2007 market share in retail loan portfolio of the Bank `Finance and Credit` grew from 2.3% to 2.7 %. In the structure of corporate loan portfolio growth made up UAH 3.15 billion. Growth of the Bank’s loan portfolio is higher than that in the market on average.
- loans for legal entities- loans for individuals
Deposit portfolio of Bank clients-individuals (UAH mln.)
As of 01 January 2008 retail deposit portfolio of the Bank `Finance and Credit` amounted to over UAH 4.44 billion in multicurrency, deposit portfolio of the bank has grown over 2007. In many respects it became possible due to qualified work of the Bank`s specialists as well as flexibility of the bank’s deposit program, its orientation on customers and their requirements to deposit products. Such dynamics of retail deposit portfolio is an evidence of growing trust of depositors in the Bank `Finance and Credit`. Growth of funds on the term deposit accounts of individuals totaled 45% in 2007.