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Retail Banking
The Bank offers individuals:
opening and maintaining term and current national and foreign currency accounts
consumer lending
broad spectrum of cash settlement ransactions
utility payment services
payments for telecommunication services
payments for mobile telecommunication services
UAH national currency payment
payment cards opening
express money transfers through Western Union
AVERS instant money transfers
sale and servicing Thomas Cook and American Express traveller's cheques
Active operations
In 2005, the Finance and Credit Bank' credit portfolio of individuals increased more than 2.5 times and made up over UAH 676 million as of 1 January 2006.
The share of mortgage lending accounted for nearly 50% of the entire portfolio of credits to individuals (UAH 337.65 million, in multicurrency), the share of automobile loans comprised nearly 25% (UAH 168 million, in multicurrency), the share of consumer loans under "Payment by Installment" program was nearly 10% of the same lending portfolio (UAH 66.26 million, in multicurrency).
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The volume of mortgage lending boosted almost 3-fold, that of automobile loans increased 2.2-fold in 2005 as compared to 2004.
The Finance and Credit Bank successfully implemented the following credit programs in 2005:
"Real Estate on Credit"
"A Car on Credit"
"Payments by Installment"
Commercial lending
"Household and Computer Equipment on Credit"
Crediting against deposit pledging
Moreover, several new programs of individual credit financing were launched:
loans for foreign and domestic car purchase without down payment
loans for commercial real estate purchase (residential, office space)
loans for purchase of housing on primary market without collateral
loans for purchase of pre-owned autos under Trade In system.
The Bank proceeds implementing a unique Social Loyalty Program that offers credits to individuals, who are employees of the Bank's corporate clients. They enjoy soft loan terms (lower advance payment amounts, lower credit interest rates).
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