About Oschadbank

The Joint-Stock Company “State Savings Bank of Ukraine” was established in compliance with Decree of the Cabinet of Ministers of Ukraine dated May 21, 1999, No 866 through transformation of the State Specialized Commercial Savings Bank of Ukraine into the Open Joint-Stock Company.

The founder of the Bank is the State in the person of the Cabinet of Ministers of Ukraine. JSC “Oschadbank’ is one of the largest financial institutions of Ukraine. Currently Oschadbank is a universal bank with a diversified profile, including a growing market share of the retail segment, an established SME segment, and a customer-oriented corporate business.

Oschadbank is the only Ukrainian bank where deposits of individuals are fully guaranteed by the state. Given the ownership and systemic importance for the banking system of Ukraine, ratings of the bank are affirmed at a sovereign level by two international agencies – Fitch Ratings and Moody’s.

Oschadbank's strategy is focused on several main components: to remain the leader of corporate banking, increasing its presence in the segment of micro, small and medium businesses, strengthening its position in retail lending and commission products, optimizing the branch network into the new, modern and inclusive branches, developing IT in terms of digital distribution channel and security, optimization of the operating model and improvement of risk management and non-performing loans.

Management board of jsc “oschadbank”                           Supervisory Board

Financial calendar

This financial calendar contains preliminary dates* of future financial statements releases and other events within JSC “Ochadbank”

2020
Release of full year 2019 Audited Financial Statements under IFRS June, 2020
Release of 1st Quarter 2020 Results under IFRS June, 2020
Release of 2nd Quarter 2020 Results under IFRS July, 2020
Release of 1H2020 Interim Financial Statements under IFRS October, 2020
Release of 3rd Quarter 20120 Results under IFRS October, 2020

* Subject to further update

Key figures and ratios under IFRS

(in UAH bn) 1H 2020** YE 2019 YE 2018 YE 2017 YE 2016 YE 2015
Net interest income before provision 3,37 5,49 5,46 5,52 5,89 5,90
Net interest income 3,26 5,68 6,63 3,58 2,69 -9,83
Net fee and comission income 2,03 4,20 3,47 2,70 2,13 1,63
Operating income 8,66 10,07 8,60 7,70 6,05 -8,01
Operating expenses -5,07 -9,82 -8,57 -7,14 -5,59 -4,26
Profit before income tax 3,59 0,26 0,03 0,56 0,47 -12,27
 
(in UAH bn) 1H 2020** YE 2019 YE 2018 YE 2017 YE 2016 YE 2015
Total assets 224,66 249,14 217,79 233,87 210,64 159,10
Loans to customers 68,27 65,17 67,54 74,50 65,95 65,46
Customer accounts 180,54 202,14 154,02 150,15 145,59 94,25
Total equity 23,13 19,57 18,56 31,25 15,75 7,36
Share capital 49,72 49,72 49,72 49,72 35,11 30,15
 
% 1H 2020** YE 2019 YE 2018 YE 2017 YE 2016 YE 2015
ROAE 33,7* 1,3 0,8 2,4 4,1 -92,3
ROAA 1,5* 0,1 0,1 0,3 0,3 -8,7
Tier 1 ratio 13,8 11,3 11,0 16,2 9,6 4,5
Capital Adequacy Ratio (CAR) 16,3 13,9 13,4 18,9 13 6,3
Net Interest margin 3,5* 2,8 2,7 2,7 3,5 4,5

*annualized

** separate Financial Statements

Credit Ratings

Fitch Ratings (revision date 21.10.2020)

Bank Ratings   Rating Outlook
Foreign currency issuer default rating Long-term B Stable
Foreign currency issuer default rating Short-term B*  
Local currency issuer default rating Long-term B Stable
National rating Long-term AA (ukr) Stable
Viability rating    b-  
Support rating   4  
Support Rating Floor   B  
 

Moody’s Investors Service (revision date 16.06.2020)

Bank Ratings   Rating Outlook
Baseline credit assessment   b3  
Bank Deposit Rating (Local Currency) Long-term B3 Stable
Bank Deposit Rating (Fgn Currency) Long-term Caa1 Stable
Senior Unsecured Debt Rating (Fgn Currency) Long-term B3 Stable
Counterparty Risk Rating Long-term B2  
Counterparty Risk Rating Short-term NP  
National Scale Counterparty Risk Rating Long-term A1.ua  

* ratings assigned to the Bank are brought in line with the country’s ratings

просто про послуги банку

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