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About the Bank The Board Supervisory Board of the Bank Mission and philosophy of the Bank The Bank today Partners of the Bank Annual Report - 2010 Issuer’s and shareholder meetings information General shareholder meeting dated December 19, 2011 (information) Issuer’s information as of 02.10.2009 Issuer’s information - 2008 Information of special information initiation about emitter (2008) General shareholder meeting dated August 21, 2007 Annual reports storage 2010 2009 2008 2007 2006 2005 2004 Audit report of the "Active-audit" company Ratings AUB rating Moody's ratings The "Credit-Rating" agency ratings Balance Sheet Quarterly report II quarter 2011 III quarter 2011 History of the Bank Bank details Bank's news Press releases Finance and Credit Bank totals up the 2011 results More mobile with Finance and Credit Bank AVERS money transfers are now possible through the "Internet Bank" system of Finance and Credit Bank Discounts and benefits for small business in the "Business Club" programme New service level with premium payment cards from Finance and Credit Bank Finance and Credit Bank prolongs the "Luck into the bargain" deposit promo offer Safe on-line shopping with Finance and Credit Bank Finance and Credit Bank is the NBU official sale distributor of coins Fee for money transfers to Turkey is cancelled Finance and Credit Bank launches a new depositors loyalty programme Finance and Credit Bank totals up the 3Q 2011 results Finance and Credit Bank and MasterCard reward for purchases Promo loan for Geely cars from Finance and Credit Bank Finance and Credit Bank undergoes staff changes More bonus miles, more travels, more impressions with the "Awesome Flight" card Luck is still added into the bargain! The term of this deposit promo offer from Finance and Credit Bank is extended The long-term investment class credit rating of Finance and Credit Bank is upheld Profitable mortgage under the joint programme of Finance and Credit Bank and State Mortgage Institution Outlets of Finance and Credit Bank accept payments for Mary Kay products Finance and Credit Bank offers a collection service to private persons Profitable UAH loan for the whole Volkswagen vehicle range from Finance and Credit Bank and AVTOSOJUZ Mitsubishi car on credit is a new promo action from Finance and Credit Bank Finance and Credit Bank inks an agreement with T.Shevchenko University for acceptance of payments Finance and Credit Bank launches a promo loan for purchasing LADA cars "Children's Bookworld" from Finance and Credit Bank Free Internet surfing with Wi-Fi from Finance and Credit Bank Finance and Credit Bank records the largest volume of import of US dollars Finance and Credit Bank increases its authorised capital by UAH 200 million Finance and Credit Bank totals up the 1H 2011 results "Luck into the bargain" is a new deposit promotion of Finance and Credit Bank Finance and Credit Bank increases its authorised capital by 5% Lucky spring for a customer of Finance and Credit Bank Finance and Credit Bank expands its network of points of pension and social welfare payouts Participants of III international conference help children New terms of universal deposit for clients of Finance and Credit Bank Results of III International Conference on "Markets for money transfers, bank metals and cash currency" Finance and Credit Bank involves new partners within the car loan programme Home equity loans from Finance and Credit Bank Finance and Credit Bank starts paying dividends Finance and Credit Bank opens a "Season of Gifts" for small business Finance and Credit Bank inks a cooperation agreement with the Ukrainian Automobile Holding Preparation for III International Conference on "Markets for money transfers, bank metals and cash currency" is coming to an end Meeting of Finance and Credit Bank shareholders takes place Chairman of Finance and Credit Bank Board Vladimir Khlyvnyuk receives a financial OSCAR-2010 Coin for luck from Finance and Credit Bank Finance and Credit Bank totals up the 1Q 2011 results Finance and Credit Bank helps a baby orphanage in Novograd-Volynskiy Finance and Credit Bank restructures UAH 140 million by the end of 2010 Finance and Credit Bank proposes a new car loan programme III international conference "Markets for money transfers, cash currency and bank metals" to take place on May 20-21, in 2011. Cancellation of fee for money transfers to Japan Win a shopping tour for two to Milan from Finance and Credit Bank and VISA The long-term investment class credit rating of Finance and Credit Bank is confirmed Finance and Credit Bank and Ukraine International Airlines launch a co-branded project "Awesome Flight Card" Finance and Credit Bank modernises the "Internet Bank" system functionality Finance and Credit Bank attracts $20 million from a foreign investor Finance and Credit Bank is one of the 2010 leaders in acquisiton of time deposits of legal entities Employees of Finance and Credit Bank detain a fraudster with a false ATM keypad overlay Pension and social welfare programme of Finance and Credit Bank Finance and Credit Bank totals up the 2010 results Finance and Credit Bank returns to the pre-crisis volumes of currency supply Finance and Credit Bank offers a MasterCard premium payment card Finance and Credit Bank starts cooperation with the CONTACT money transfer system Finance and Credit Bank receives UAH 145,600 of insurance money from Omega insurance company The number of visits to the Finance and Credit Bank official site exceeds 1 million "Hello! I'd like to replenish my account..." is a new service from Finance and Credit Bank Individual clients entrust Finance and Credit Bank with UAH 6 billion Finance and Credit Bank totals up the 3Q 2010 results Finance and Credit Bank successfully restructures the borrowings portfolio totalling to over $100m Convenient loan repayment in the "Internet Bank" System at Finance and Credit Bank Results of the drawing lot of the deposit promo "Let's celebrate together!" The long-term credit rating of Finance and Credit Bank is upgraded to the investment class Branded pure gold bullions are available in the Finance and Credit Bank outlets "Wild Friday" finds its first winners "Let's celebrate together!" promo action has come to an end Finance and Credit Bank receives your orders New house under the mortgage crediting programme from Finance and Credit Bank Finance and Credit Bank opens a new Line of Credit to SMC "Ivano-Francovskteplocommunenergo" Finance and Credit bank does the final draw of "Fan Card" promo action Retail time deposits portfolio at Finance and Credit bank increases by UAH 1bn Finance and Credit bank renews car loans Finance and Credit Bank opens a new line of credit to Ukrgazvydobuvannia Bank Finance and Credit attracts $25m from a foreign investor Finance and Credit Bank prepares "Wild Friday" for retail customers Bank Finance and Credit carried out the next planned payment under Eurobonds Finance and Credit Bank totals up the 1H 2010 results RSA - Photoreport of the "Fan-Ñard" winner from Finance and Credit Bank from the republic of South Africa Retail deposits of Finance and Credit Bank grow by UAH 800m from the start of the year Finance and Credit Bank repays $23m of foreign debt Ihor Lvov: large-scale export of Euro from Ukraine Finance and Credit Bank attracts $11m from a foreign investor Second International conference "Markets for money transfers, cash currency and bank metals" finishes its work Finance and Credit Bank attracts $5m from a foreign investor Preparation for Second international conference «Markets of money transfers, cash currency and bank metals» actively gathers pace Finance and Credit Bank sends football fans to the World football championship FIFA 2010 II international conference "Markets for money transfers, cash currency and bank metals" to take place on June 17-18th, 2010 Finance and Credit Bank grants $5.1m to the state enterprise of foreign economic activity of "Ukrinterenergo” Bank Finance and Credit offers deposits in Russian roubles Finance and Credit Bank attracts $10m from a foreign investor Bank Finance and Credit spent regular draw on “Fan-Card” Finance and Credit bank obtained a long-term credit rating of investment class Finance and Credit bank totals up the 1Q 2010 results The international system of money transfers “AVERS” gathers pace Hot on the heels with «Christmas meetings» Finance and Credit Bank attracts $25m from a foreign investor Bank Finance and Credit presents: operation “Agent F&C” Finance and Credit Bank invites its customers to jubilate together Bank Finance and Credit spent regular draw on "Fan-Card" Bank Finance and Credit helps to turn beautiful with «Oriflame Cosmetics Ukraine» Pound Deposit from the Bank “Finance and Credit” “A fresh breeze” for seamen from Bank Finance and Credit Finance and Credit Bank imports over $100m into Ukraine Finance and Credit Bank attracted $12.5m from a foreign investor Finance and Credit Bank totals up the 2009 results Finance and Credit Bank pays out 5% to the Eurobond holders under the scheme of euro-obligations’ restructuring Finance and Credit Bank increases its ATM network: new partner – VTB Bank Eurobondholders of Finance and Credit Bank agree to restructuring Finance and Credit Bank congratulates children with St. Nicholas Day Finance and Credit Bank offers a restructuring scheme to its Eurobond holders Promo “Gold standard” is a key to your business success Finance and Credit Bank's open letter to Valentyn Nalyvaychenko, Head of the Ukrainian Security Service "Premium" deposit – become the winner of the award from Bank Finance and Credit As once the legendary football trainer, Valeriy Lobanovsky noted: “In football, you should live at present, even in future.” Preparation for Christmas with the Bank “Finance and Credit” No-lose deposit "Christmas" from Bank Finance and Credit Finance and Credit Bank becomes Public Joint Stock Company (PJSC) Bank “Finance and Credit” launched the testing of Electronic Banking Bank “Finance and Credit” gives the second wind to the damaged currency notes Prolong your deposit at the Bank “Finance and Credit” and get supplementary interests “The Dollar morphs into… Hryvnia” – a new step of the Bank “Finance and Credit” loyalty program to its customers Finance and Credit Bank attracts USD 7.94 million from a foreign investor Finance and Credit Bank continues its loyal policy towards its borrowers Finance and Credit Bank increases the authorised capital again Pay with VISA – support at the World football championship with the Bank «Finance and Credit»! Finance and Credit Bank repays USD 1.5 million of foreign debt Finance and Credit Bank offers to place foreign-currency deposits at a favourable rate Finance and Credit Bank intends to increase the authorised capital Finance and Credit Bank finishes the trade network optimisation programme Finance and Credit Bank extends its deposit programme Finance and Credit Bank represents a unique card product in pound sterling Finance and Credit Bank and "Belotserkovskyy tyre works" implement a joint salary project Finance and Credit Bank opens an account with Saxo Bank (Denmark) Finance and Credit Bank discharges indebtedness of USD 5.703 million of foreign loans in July A shareholders' meeting of OJSC Bank "Finance & Credit" was held Finance and Credit Bank timely and in full transfers funds for eurobond coupon payment The 1H 2009 financial results of Finance and Credit Bank Regarding restructuring of Finance and Credit Bank's foreign debt Finance and Credit Bank offers beneficial repayments of USD loans Paint autumn with the bright colours together with the Bank «Finance and Credit»! From the beginning of 2009 the Bank “Finance and Credit” Contact-centre processed over 200 thousand clients’ references Finance and Credit Bank: blocking of corresponding accounts does not affect either customers or liquidity "The magnificent seven" from Finance and Credit Bank brings fast profit to customers Finance and Credit Bank implements the new 4,000th anniversary salary project Finance and Credit Bank engages Morgan Stanley Bank (Great Britain) as consultant Finance and Credit Bank imports "Zodiacal signs" and "Car Mini" bullion coins for the first time Finance and Credit Bank is in talks with the Government regarding recapitalisation New deposit “Magnificent seven” from Bank Finance and Credit Finance and Credit Bank and HC "AvtoKrAZ" cross the road to crisis Go KrAZ go! The joint automobile rally of Bank Finance and Credit and Holding Company "AvtoKrAZ" has started From the beginning of the year Bank Finance and Credit has realized 100 hypothecary automobiles Finance and Credit Bank grants a loan of over UAH 1million in the framework of a joint program with German-Ukrainian Fund (GUF) 1 May – the day of solidarity of the Bank “Finance and Credit” and depositors Finance and Credit Bank continues its network modernisation programme The curator is presented in “Finance and Credit” Bank The 1Q 2009 results of Finance and Credit Bank Finance and Credit Bank is a socially responsible organisation Finance and Credit Bank is in negotiations with the Government on recapitalization Finance and Credit Bank offers the new programme of foreign currency loan repayment NBU administration recommends “Finance and Credit” Bank to recapitalization Card million of Finance and Credit Bank New Deposits from the Bank Finance and Credit to its SME Customers Bank Finance and Credit offers new opportunities to its customers Bank Finance and Credit raffled the «Spring in Paris»! Special Meeting of Shareholders of the Bank Finance and Credit Promo Action for Retail Borrowers of the Bank Finance and Credit – Hot Repayment Children Drawings Contest `I am a Football Fan` from MasterCard and Bank Finance and Credit Bank Finance and Credit offers package of services for restructuring customers` loan debts Bank Finance and Credit offers an updated Deposit Line program Bank Finance and Credit resumes lending for purchasing Stakhanovsk railway cars Bank Finance and Credit heads on to its Customers Bank Finance and Credit to launch a Program of Domestic Manufacturer Support Integration of money transfer systems AVERS (Bank Finance and Credit) and Caspian Money Transfer Employees of Finance and Credit Bank give their heart to kids Bank Finance and Credit summarized results of its activity in 2008 Bank Finance and Credit offers its customers a new Relevant Deposit program Bank Finance and Credit actively cooperates with insurance companies New Deposit Rates from the Bank Finance and Credit Bank Finance and Credit Became a Winner of a Competition Premium proposition programme from VISA to Finance and Credit Bank's customers Bank ‘Finance and Credit’ develops cooperation with Unitrade Group Bank 'Finance and Credit' 999 finest bullions found their owner Bank ‘Finance and Credit’ prepared gifts for children on St. Nicholas Day Meet Spring in Paris together with Bank ‘Finance and Credit’ Central Regional Administration of Bank ‘Finance and Credit’ signed the agreement on payroll card program with Energy Company of Ukraine Bank ‘Finance and Credit’ prepared New Year presents for its customers Bank ‘Finance and Credit’ will not charge fee for the withdrawal of deposits Bank ‘Finance and Credit’ disclosed card fraud Odesa Regional Administration of Bank ‘Finance and Credit’ issued loan to Odesa State Railway The number of Bank ‘Finance and Credit’ POS has exceeded 4 thousand Bank ‘Finance and Credit’: For you! Bank ‘Finance and Credit’ is eleventh in the PARD rating of custodian for the third quarter of 2008 Bank ‘Finance and Credit’ launches new foreclosure project Extend Boundaries: integration of AVERS and Zolotaya Korona – Money Transfer systems Bank ‘Finance and Credit’ gives children their favorite books Faster. Easier. Wider. AVERS system increases its pace Money transfer systems turnover of Bank ‘Finance and Credit’ has doubled as compared to the previous year The number of ‘Finance and Credit’ SMS-banking users soars Finance and Credit Bank continues to ‘give away’ "Triple Nine" deposits Finance and Credit Bank: We care about pensioners’ income Moody’s has confirmed ratings of Bank ‘Finance and Credit’ Finance and Credit Bank does not plan to expand its branch network, yet will not cut down the stuff Following the results of three quarters of 2008 Bank ‘Finance and Credit’ financial result makes up UAH 149.92 mln Bank ‘Finance and Credit’ to open UAH 90m credit line for Zelena Dolyna Agrocomplex Ltd. Finance and Credit Bank open s a line of credit for Kremenchuh MiS Ltd. Finance and Credit Bank prolongs its opening hours Finance and Credit Bank offers Beneficial Repayment Finance and Credit Bank opens UAH 40 million line of credit for Ukraine International Airlines Finance and Credit Bank actively proceeds with KrAZ Lending and KrAZ Leasing Programs Finance and Credit Bank receives the 1H 2008 audit report from KPMG Finance and Credit Bank increases the authorised capital again Finance and Credit Bank takes the 1st place in the "Prostobank Consulting" rating The branch «Central Regional Administration» of the Bank „Finance and Credit” presented regional direction in Vinnitsa Finance and Credit Bank opens a revolving line of credit of USD 13 milion for CJSC "Aerosvit" airlines Shopping-festival with MasterCard and «Finance and Credit» Bank Folklore colouring from Pridneprovsky regional administration of “Finance and Credit” Bank Over 10 000 credit agreements on small business programs are registered in “Finance and Credit” Bank Do not miss the Day of financial knowledge organized by “Finance and Credit” Bank Moody's raises the credit rating of Finance and Credit Bank Finance and Credit Bank harvests deposits watered by "Silver rain" Finance and Credit Bank offers "Triple Nine" deposits to its customers Finance and Credit Bank obtains a syndicated loan of USD 42.5 million Finance and Credit Bank increases the authorised capital Finance and Credit Bank rewards the winners of the promotion "Turn petrol into gold" «A great Bank quinary»: Rodovid Bank was added to the united Bank network of "Finance and Credit" Bank Odessa celebrates its 10th anniversary of "Odessa regional administration" of "Finance and Credit" Bank The 1H 2008 financial result of Finance and Credit Bank amounts to UAH 98.4 million Finance and Credit Bank makes another step towards its clients “Finance and Credit” Bank has imported a lot of investment coins “Summer XXIX Olympic Games in Beijing” «Simple arithmetic»: “Finance and Credit” Bank introduces new programs of card crediting – “Double two” and “Treble three” A shareholders' meeting of OJSC Bank "Finance & Credit" was held “Vivat, champion!”: “Finance and Credit” Bank summarized the results of “Champion-Card” promotion I annual international conference "Markets for money transfers, cash currency and bank metals" comes to an end First annual international conference «Markets of money transfer, cash currency and bank metals» answers the door for its participants First annual international conference «Markets of money transfer, cash currency and bank metals» will take place in Kyiv The 1Q 2008 financial results of Finance and Credit Bank is UAH 12.475 million "Finance and Credit" Bank awards gold to its winners The first stage of joint loyalty program "Charivna Kartka" of "Î'KEY" network of hypermarkets and "Finance and Credit" Bank was summed up Finance and Credit Bank implements CR2 BankWorld system The united world in the eyes of children: the finalists of "Olympic fantasy VISA" competition from Finance and Credit Bank Regular shareholders' meeting of OJSC Finance and Credit Bank Finance and Credit Bank expands its presence and introduces the new office in Khmelnitskiy Feel the nice freshness from the promotion "Silver rain" of "Finance and Credit" Bank Retail deposit portfolio of Finance and Credit Bank exceeds UAH 5 billion Finance and Credit Bank is the first in the CIS to import 5-dollar banknotes to Ukraine Support Ukrainian select team at Olympic Games-2008 in Beijing together with "Finance and Credit" Bank and VISA Finance and Credit Bank attracts syndicated loan of USD 70 million Finance and Credit Bank and "O'KEY-Ukraine" start a joint loyalty programme Finance and Credit Bank implements an informational service on the basis of the own Contact-centre - "Callback" Finance and Credit Bank presents the Regional Administration board in Lutsk Finance and Credit Bank launches a new card product – VISA Platinum Finance and Credit Bank's SME clients loan portfolio exceeds UAH 500 mln Finance and Credit Bank extends the Contact-centre services list Win a tour for Olympic Games from VISA and Finance and Credit Bank Finance and Credit Bank takes the 7th place in the 2007 rating of PARD custodians Open the "Champion"-card of Finance and Credit Bank and head for European football championship Finance and Credit Bank, international payment system VISA Inc and the “Ukr-Petrol” petrol station network define the winner of the first round of joint promotion "Turn petrol into gold" Net assets of Finance and Credit Bank double in 2007 to reach UAH 14,634 billion Finance and Credit Bank is actively developing its money transfer system AVERS Finance and Credit Bank holds the “Golden spring” promotion for individuals «Finance and Credit» Bank took the first position among partner-banks of the State mortgage institution by volume of refunding of mortgage loans The loan portfolio of individuals of “Finance and Credit” Bank exceeded UAH 4 bln. Western regional administration of “Finance and Credit” Bank supports European checkers championship Slobozhanskiy regional administration of “Finance and Credit” Bank expands its location in Sumi region Broadening of partner Banks ATM network of “Finance and Credit” “Finance and Credit” Bank newly increased authorized capital Exhibition of popular photo Festival “Money, business and Odesa” “Finance and Credit” Bank share in mortgage lending market exceeds 4% Loan portfolio of individuals of Central regional administration of “Finance and Credit” Bank exceeded USD 1bln. OJSC “Bank “Finance and Credit” collaborates with the biggest Kyiv hypermarket “Okey Ukraine”. Bank “Finance and Credit” became a settlement acquirer - Bank for system Portmone.com Bank "Finance & Credit", international payment system VISA International and a chain of filling stations “Ukr-Petrol” launch a joint promotion campaign – “Turn petrol into gold” Bank "Finance & Credit" launches a new product in the mortgage lending market Increase of Bank "Finance & Credit" authorized capital in 2,5 times was registered Bank "Finance & Credit" ranks 6th in the rating of PARD for the 3rd quarter of 2007 Bank "Finance & Credit" raffles off bonuses to deposits North-West regional administration of Bank "Finance & Credit" acted as a partner of the project “Seven wonders of Rivne region” Odesa branch of Bank "Finance & Credit" was a co-organizer of the festival of the popular photography “Money, business and Odesa” Affilate “Crimea regional adminastration” of Bank "Finance & Credit" grants UAH 30 mln. facility to a private enterprise “Krymbumaga” Bank "Finance & Credit" network exceeds 350 sales outlets Following the results of 3 quarters of 2007 Bank "Finance & Credit" financial result makes up UAH 183,674 mln. A shareholders meeting of OJSC Bank "Finance & Credit" was held Bank "Finance & Credit" grants more than USD 40 mln. loan facilities for enterprises of the FIM Group Bank "Finance & Credit" grants loans on security motor vehicles Bank "Finance & Credit" demonstrates the best dymanics of retail loan portfolio development among Top 10 banks Bank "Finance & Credit" presents mortgage facilities in Kremenchug Bank "Finance & Credit" offers its SME clients a new service – “Overdraft at 9%” Bank "Finance & Credit" offers its customers a new deposit “Prospect” Bank "Finance & Credit" united ATM network increases up to 1,500 ATMs Bank "Finance & Credit" implements a new facility for SME segment clients – “Used vehicles on credit” Bank "Finance & Credit" grants UAH 12 mln. loan to the municipal enterprise “Kharkiv heat networks” Bank "Finance & Credit" implements a new mortgage loan refinancing programme for individuals Lukhansk branch of Bank "Finance & Credit" actively works with individual clients Kharkiv Branch of Bank "Finance & Credit" improves the quality of servicing clients Bank «Finance and Credit» provided advance payment guarantees to the Kerch shipbuilding plant “Zaliv” Over 5,000 people work for Bank "Finance & Credit" Bank "Finance & Credit" makes a decision to increase its authorized capital in 2,5 times The central regional administration of Bank "Finance & Credit" (Kyiv) granted more than 1,000 loans under the “Auto Premium” facility Bank "Finance & Credit" grants USD 10 mln. facility to OJSC “Kremenchugmyaso” Bank "Finance & Credit" develops its network in Poltava region most actively The State Committee for Securities and Stock Market registered issuance of shares of OJSC Bank "Finance & Credit" Bank "Finance & Credit" ranks 1st in the State Mortgage Institution rating following the results of work in the first half year of 2007 ATM network of Bank "Finance & Credit" comprises more than 300 ATMs Bank "Finance & Credit" has issued 500,000 payment cards The AVERS money transfer system of Bank "Finance & Credit" is recognized to be one of the best SME loan portfolio of Bank "Finance & Credit" reaches UAH 300 mln. Bank "Finance & Credit" ranks 1st in the rating “15 Best Mortgage Loans” In the second quarter the amount of accounting operations with securities performed by the custodian Bank “Finance & Credit” increased by 75 percent Since the beginning of 2007 net assets of Bank "Finance & Credit" have increased by 1,36 times and exceeded UAH 10 bln. Bank "Finance & Credit" shifts from the 7th to the 6th place in the rating of the Association of Ukrainian Banks by the amount of attracted fixed-term funds from individuals Finance & Credit Bank retail loan portfolio surpassed UAH 3 bln. Finance & Credit Bank grants financing to the AVentures Group holding company Finance & Credit Bank and Ukrsotsbank unite their ATM networks Finance & Credit Bank grants repayment guarantees for USD 993,000 advance payment of LLC Trading house of the plant Progress Finance & Credit Bank finished syndication of 1-year USD 60 mln. loan facility Finance & Credit Bank continues to promote its SME loan facilities Finance & Credit Bank opened a credit facility to the company Ukrgazvydobuvannya The quantity of acquiring outlets of Finance & Credit Bank exceeds 2000 Svitlana Lototska is appointed Deputy Chairman of the Board of Finance & Credit Bank Finance & Credit Bank implements a new product – sale of electronic vouchers to replenish accounts of prepaid mobile services using the Bank’s ATMs Finance & Credit Bank becomes an agent of the international money transfer service Xpress Money Finance & Credit Bank obtains KPMG auditor’s report Finance & Credit Bank finishes financing the project on building cargo ships of OJSC Ship-Building Yard Zaliv Finance & Credit Bank started syndication of 1-year USD 50 mln. loan facility SSI Company continues collaboration with Finance & Credit Bank Finance & Credit Bank continues to celebrate anniversaries Finance & Credit Bank (Kyiv, Ukraine) and JSCB Interkoopbank (Moscow, Russia) sign an agreement on cooperation and integration of their in-house money transfer systems Following the results of the first quarter of 2007 financial result of Finance & Credit Bank makes up UAH 59,6 mln. Finance & Credit Bank proceeds with restructuring from LLC into an open joint stock company (OJSC) "Finance & Credit" Bank launches a car facility for individuals Auto Premium Lviv Branch of "Finance & Credit" Bank prolongs a credit facility for OJSC “Galichparm” "Finance & Credit" Bank implements new loan facilities for individuals “Land Loans” and “Consumer lending on security of land” "Finance and Credit" Bank imports investment Panda Coins and Mexican Libertad Coins into Ukraine "Finance and Credit" Bank increases crediting period for Car Loans up to 8 years Kryvy Rih Branch Bank of Finance and Credit Bank is 10 years old "Finance and Credit" Bank is the first to have imported The American Eagle (USA) and The Koala (Australia) investment coins into Ukraine "Finance and Credit" Bank and “Telesystems of Ukraine”, CJSC conclude a contract of payments acceptance from the public using the "AVERS" money transfer system "Finance and Credit" Bank becomes a direct agent of the “MoneyGram” international money transfer service Credit portfolio for individuals of "Finance and Credit" Bank exceeded UAH 2 bln. multicurrency A group of card swindlers was arrested in Kyiv “Finance & Credit” Bank completed syndication of 1-year USD 70 mln. loan facility There was held a presentation of Cherkasy Oblast Front Office of Finance and Credit Bank Credit portfolio of individuals of "Finance and Credit" Bank increased by 2,7 times in 2006 Bank branch “Lviv regional administration of Finance and Credit Bank is celebrating its 10th anniversary” Financial result of operation of “Finance and Credit” Bank in 2006 amounts to UAH 101,69 mln. "Finance and Credit" Bank and "Western Union" company have summed up the joint promo action “Let’s go to the Grandfather Frost with the whole family” The Bank 'Finance and Credit' Deposits portfolio from individuals exceeded UAH 3 billion (in multicurrency) Bank “ Finance and Credit “ launched “Quick Cash “and “ Quick Pay ” services under “ Western Union ” system for legal entities Oleg Shapkin has been appointed as Vice Chairman of "Finance&Credit" Bank Board The bank 'Finance and Credit' is awarded by VISA International Payment System based on the results of 2006 performance The Meeting of Shareholder of Finance and Credit Bank took place The “Finance and Credit” Bank” granted over 60 units of computer and office equipment to Ukrainian social organization “Fund of public assistance for people disabled from childhood». The international rating agency Moody’s assigned A2.UA National Rating to deposits granted by Finance and Credit Bank Finance and Credit Bank accomplished placement of Eurobonds in the amount of USD 100 mln. The «Finance and Credit» Bank and Western Union ® company carry out a joint promo action “Let's visit Father Frost with whole family” The "Finance and Credit" Bank multiplied the ATM network from 245 to 325 ATMs The Deposit Portfolio of Individuals of the Finance and Credit bank Exceeded 2.5 bln.UAH Financial Work Performance of Finance and Credit Bank Following the Results of Three Quarters of 2006 totaled 61.41mln.UAH The "International Money Transfers LEADER" and the "Finance and Credit" Bank Declared About the Creation of International Union of Money Transfers Systems The "Finance and Credit" Bank carries out an action titled "Open a deposit with the "Finance and Credit" Bank and get a gift! " The "Finance and Credit" Bank Multiplied the Authorized Capital by 100 mln. - to 519 mln.UAH. The National Bank of Ukraine Registered the Enlargement of Authorized Capital of the "Finance and Credit" Bank on September, 25, 2006. The "Finance and Credit" Bank summarized the results of promotion action "Smart way to pay - use VISA". The "Finance and Credit" Bank began granting of long-term mortgage credits jointly with Public mortgage institution The "Finance and Credit" Bank is in the Number of those Ukrainian Banks who got a Lending Limit from Credit Commodity Corporation (USDA), USA The "Finance and Credit" Bank has Switched to New Upgrade Banking System "SR-bank-4" Three-year-old Bonds of Komsomolsk Municipal Council with Total Face Value on amount of 8 mln.UAH are Placed in Full The "Finance and Credit" Bank is Declared as the Winner of Competition Held by the Ministry of Finance of Ukraine on Maintenance of Project of the World Bank, Called "Rehabilitation of the Hydroelectric Power Stations" The Financial Result of the Activity of the "Finance and Credit" Bank for the Half-year of 2006 is 27.38 UAH.mln. The "Finance and Credit" Bank Attracted 7.811 mln.USD from the Financial Group "Cargill Financial Services International" The "Finance and Credit" Bank in the First Half-year of 2006 Realized Over 100 "KraZ"- trucks within the Framework of Credit and Leasing Programs Consumer Ñredit Portfolio of the "Finance and Credit" Bank Increased in 1.5 time from the Beginning of 2006 and Exceeded 1 bln. UAH The "Finance and Credit" Bank Attracted a Syndicated Loan from Foreign Banks on the Amount 35 USD.mln. The "Finance and Credit" Bank and "VISA International" Conduct Joint Promotion Action, Called "Do Right and Settle up With VISA!" The "Finance and Credit" Bank Issued 300 thousandth payment card The "Finance and Credit" Bank got the Audit Opinion of the International Audit Company KPMG The «Finance and Credit» Bank put in operation new lending program to individuals, called «emergency financial assistance ». The "Finance and Credit" Bank raised from population over 2 bln.UAH Financial result of the "Finance and Credit" Bank on results the 1 quarter 2006 year amounted UAH 20, 35 mln. The "Finance and Credit" Bank Became the First in Introducing on the Territory of CIS the New Issue Banknote of the Face Value of $10 The "Finance and Credit" Bank Offers New Discount Program to the customers, which are the owners of plastic cards The "Finance and Credit" Bank has Occupied the 8th Place in the PARD's Rating of Depositors The "Finance and Credit" Bank Offers New Service, namely the Payment of Services of the Mobile Network Operator "UMC" with the Help of Instant Money Transfer System "AVERS" The Financial Results of the of the "Finance and Credit" Bank for the 2005 Amounted 14.71 mln.UAH Finance and Credit Bank issues loans fpr purchasing freight wagons The "Finance and Credit" Bank has Established the Credit Line to JCJSC "Airline "International Airlines of Ukraine" on the Amount of 8 ml.USD The "Finance and Credit" Bank has Passed through the Certification on the Servicing of the Chip Payment Cards of the VISA International in its own ATM's Network and POS-terminals The "Finance and Credit" Bank brought into Ukraine over 1 bln.USD in 2005 The "Finance and Credit" Bank has Granted the Credit on the Amount of 1mln.UAH to the SE "National Palace of Arts "Ukraine" The "Finance and Credit" Bank Offers New Service, namely the Payment of Services of the Mobile Network Operator "Kievstar" with the Help of Instant Money Transfer System "AVERS" The “Finance and Credit” Bank has a twenty-four-hours customer supporting centre Finance and Credit Bank has opened the regional office in Kirovograd The commercial network of the “Finance and Credit“ Bank includes 200 outlets of bank’s services trade The Volumes of Funds on the Terms Accounts of the Bank “Finance and Credit” has been doubled Since the Beginning of the Year and reached 1.56 bln.UAH The Bank „Finance and Credit” opened the regional board in Ternopil The Bank “Finance and Credit” grants next tranche on the base of credit line of SE “Kalushska Teploelectrocentral” The Bank “Finance and Credit” has Started Emitting of Payment Cards VISA Electron Instant Issue Finance and Credit Bank opened the regional administration in Vinnytsia The Bank “Finance and Credit” issued the credit line to CJSC “Bobrovitskiy Milk plant” Finance results of the activity of the Bank “Finance and credit” – totals of III quarter Moody’s Investors Service had assigned B2 Stable Rating to Bank “Finance and Credit” The Bank "Finance and Credit" has new personnel appointments Bank “Finance andCredit” has determined the credit line, valued 3.2 mln. ˆ to subsidiary enterprise of closed-end company ”Kyiv repair-building shipyard” The Bank "Finance and Credit" has passed through auditing in correspondence with the international auditing standards The Finance and Credit Bank enlarged its authorized capital The Bank "Finance and Credit" expands the net of ATMs From 180 to 285 Units The Bank “Finance and Credit” offers a new kind of deposit – F&C “We are 15” The Bank “Finance and Credit” started a new micro credit program of small-scale and medium business. The Bank “Finance and Credit” increases its authorized fund by 2,56 times The Bank “Finance and Credit” extends payment transfer network Finance and Credit bank has increased the credit term by the “KrAZ on credit” program. Instant WebMoney replenishment througn cash-desks of Finance and Credit Bank Second season of "Karaoke-ring CHANCE" is held among inmates of orphanages of Sevastopol and the Crimea Áàíêè ïðåäëàãàþò çàåìùèêàì ñêèäêè íà ïðîáëåìíûå êðåäèòû UAH exchange rate decrease is situational - opinion of experts Situation in the world markets can affect the UAH exchange rate - opinion of bankers Corporate social responsibility Øàã â «Äèòÿ÷èé êíèãîñâ³ò» Participants of III international conference help children The 2011 rating of the most socially responsible companies announce its winners Sevalstopol bank branch supports a new social project Bank Finance and Credit congratulated children with St. Nicholas Day Finance and Credit Bank is a socially responsible organisation Employees of the Bank Finance and Credit donated part of themselves to kids Finance and Credit Bank prepares gifts for children on St. Nicholas Day Finance and Credit Bank gives children their favourite books Finance and Credit Bank grants over 60 units of computer and office equipment to Ukrainian social organization “Fund of public assistance for people disabled from childhood" Subscribtion to news For individuals Promotion campaign Credits Deposits Cards Other actions Loans Car loan Loan against property Accommodation on credit (jointly with the SMI) Deposit secured loan Private payment cards loan limits Request a loan Internet Bank About the "Internet Bank" System How to get connected to the system The "Internet Bank" system tariffs Agreement User Manual Commission fees for isuance and servicing of Instant Payment Cards Payment Card Regulations Commission fees for current accounts opened in the “Internet Bank” System Deposits The depositing terms and conditions Interest Rates Deposit calculator Deposit calculator "Excellent 7" Deposit calculator "Wild Friday" Deposit Application Commission Fees of JSC Finance and Credit Bank for cash settlement services provided for retail deposits Deposits are opened in the "Internet bank" Conditions of Deposit Interest Rates Deposit calculator Bank metal deposits Current accounts Tariffs for operations and services Tariffs for the current retirement accounts National currency operations on current accounts for social assistance payments through state non-budgetary funds Tariffs on personal banking Tariffs for the current retirement accounts National currency operations on current accounts for social assistance payments through state non-budgetary funds Commissions for opening current metals accounts and their settlement and cash services for individuals Commission fees of JSC Finance and Credit Bank for cash settlement service rendered to individuals when opening and servicing their current accounts in national currency of Ukraine and foreign currencies through the "Internet Bank" system. The tariffs are Tariffs on cash settlement services for notaries and lawyers The program for pensioners and welfare recipients The social program for welfare recipients Payments Money transfers "AVERS" money transfer system Transfers through the Western Union system "ANELIK" money transfer system "MoneyGram" money transfer system "Xpress Money" money transfer system BLIZKO money transfer system CONTACT money transfer system Payment cards Individual safe deposit boxes Basic tariffs Acceptance of worn-out and doubtful banknotes Depositary services Bank metals Bank ingots Prices for bank metals Bank metals operations «Metal» accounts Bank metal deposits Gold price chart Purchase of bank metals Coins Order coins Bill payment through Portmone.com The package «Fresh breeze» from the Bank «Finance and Credit» for seamen For companies and banks For companies Cash settlement services Client-Bank Cash collection International settlements and foreign currency operations List of correspondent banks Salary projects Corporate cards Documentary operations Deposit products Credit products Acquiring Factoring For banks Market news Services for correspondent banks Foreign currency cash transactions Cash collection AVERS services for banks Western Union services for banks MoneyGram services for banks Anelik services for banks Traveler’s checks Bank metals Payment cards Interbank cooperation Market news Services for correspondent banks Correspondent relations Tariffs Major correspondent banks Currency cash transactions Cash collection AVERS services for banks Western Union services for banks Traveler’s checks Bank metals Payment cards Payment cards Promotion campaign Promotional offer from UIA and Visa for holders of Visa Gold and Visa Platinum cards MasterCard. Successful shopping season. Winter Promotion archive Benefits of our payment cards Card issuance for 5 working days Instant card issuance Issuance of magnetic stripe cards with an integrated microchip Payment cards currency Opening of different payment system cards assigned to one account Card validity period Availability of partner banks Discount programme Companies-partners within discount program for payment cards holders Extra services Regular decommissioning Instant POS-terminal card account replenishment service SMS-banking Money transfer from the card account through the Bank ATM network between the Bank cards Pin-code change in the ATM Extension of a mini-statement Credit limit The card payment of the mobile communication with the help of the SMS messages Types of payment cards Payment cards for enterprises Salary project Corporate payment cards Cards for individuals Private cards Pension cards Social cards Deposit cards Cobranding cards Tariffs Opening and servicing Acquiring ATMs and cash delivery outlets Cash delivery outlets ATMs of bank partners Recommendations for use of payment cards Payment Card Application Lost your card? Mobile phone replenishment by SMS Additional programmes for premium VISA card holders Discount programme for premium VISA cards holders Joint action of VISA and HotelClub VISA Luxury Hotel Collection The "Purchase Protection" programme for VISA Platinum cards The "Warranty Extension" programme for VISA Platinum cards The "Medical and Legal Support" programme for VISA Platinum and VISA Gold cards Regional network Finance and Credit Bank and Central regional administration Branch Bank Vinnytsya office (the city off Vinnytsya) Zhytomyr office (the city of Zhytomyr) Chernigiv office (the city of Chernigiv) Kryvyi Rih Branch Bank Dnipropetrovsk regional administration Branch Bank Donetsk regional administration Branch Bank Mariupol office Makiyivka office Zaporizhzhia regional administration Branch bank North - West regional administration Branch bank (Rivne city and region) Volyn office (the city of Lutsk) Pre-Carpathian regional administration Brach bank (Ivano-Frankivsk city and region) Chernivtsi office (the city of Chernivtsi) Sevastopol branch bank Luhansk Branch Bank Western regional administration Branch Bank (Lviv city and region) Lvov office (the city of Lvov) Ternopil office (the city of Ternopyl) Zakarpattya office (the city of Uzhgorod) Khmelnytsk office (the city of Khmelnytsk) Branch bank «Prydniprovsk regional administration» (Komsomolsk, Kremenchuk, Poltava and Kirovohrad regions) Kirovograd office (the city of Kirovograd) Kremenchuk office (the city of Kremenchuk) Branch bank "Slobodjanian regional administration" (Kharkiv city and region) Poltava regional administration branch bank Cherkasy office (the city of Cherkasy) Sumy office (the city of Sumy) Branch bank «Southern regional administration» (Mykolayiv city and region) Kherson office (the city of Kherson) Branch bank «Crimean regional administration» (Simferopol and near-by localities) Branch bank «Odesa regional administration» Search by regional network Search ATMs Services, provided through ATMS Withdrawal of cash PIN-code change Momey transfers from a payment card holder's card account Card account balance review Extension of a mini-statement ATMS of bank partners Site map Feedback form Internet banking for juridical persons Currency exchange Official ñurrency exchange of NBU Career Opportunities Job Opportunities Central office Kiev and Kiev region Regional network Programmes for undergraduates For small business Promo actions All-purpose programmes (package servicing) The "Standard" Package The "Optima" package The "Classic" package The "DeLuxe" Package Loans Car loan Car loan (companies) Loan against property Overdraft Credit line Request a loan Payment cards Deposits For entrepreneuers and legal entities For individuals Tourism guarantees Ïðîãðàìà ëîÿëüíîñò³ äëÿ ìàëîãî á³çíåñó "Á³çíåñ-êëóá" Annual report Calculators Deposit calculator Deposit calculator «Excellent 7» Deposit calculator «Crazy Friday» Car loan calculator Callback Online-applications Deposit Application Payment Card Application Request a loan (For individuals) Request a loan (For small business) Contact-centre Our services Voice menu IVR Work space Ïåðâàÿ - Èíòåðíåò-Áàíê The "Internet Bank" system Regional network Want to be the Bank agent? 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