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COMPLIANCE WITH THE STANDARDS
During 2005, the Finance and Credit Bank completely observed the requirements prescribed by the National Bank of Ukraine regarding compulsory economic standards.
How the Finance and Credit Bank complies with the mandatory economic standards of the National Bank of Ukraine (data as of 31 December 2005).
| Item | Ratio value of the Finance and Credit Bank | Ratio value of the NBU |
| Regulatory capital adequacy ratio |
16,04%
|
not less
than 10%
|
| Fixed capital adequacy ratio |
10,46%
|
not less
than 4%
|
| Instant liquidity ratio |
85,33%
|
not less
than 20%
|
| Current liquidity ratio |
66,89%
|
not less
than 40%
|
| Short-term liquidity ratio |
35,24%
|
not less
than 20%
|
| Ratio of maximum credit risk exposure per one counteragent |
22,87%
|
not more
than 25%
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| Ratio of "high" credit risk exposure |
236,89%
|
not more
than 800%
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| Ratio of maximum amount of loans and guarantees granted to one insider |
2,55%
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not more
than 5%
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| Ratio of maximum cumulative amount of loans and guarantees granted to insiders |
6,47%
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not more
than 40%
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| Ratio of investment in securities for each organization separately |
9,02 %
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not more
than 15%
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| Total investment ratio |
37,36%
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not more
than 60%
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The compliance with the compulsory economic standards proves that there is a balance between the Finance and Credit Bank's assets and liabilities by periods and amounts and demonstrates the ability of the Bank to timely and completely fulfill its obligations.
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