OREANDA-NEWS. February 10, 2010. Summarizing the results of 2009, the net assets of the Bank "Finance and Credit", as of 01.01.2010, amounted to 19,457 billion UAH. The Bank's operating income within 2009 amounted to 638,3 million UAH. The Bank's financial result for 2009 equaled to minus 450 million UAH.

As of 01.01.2010, the Bank "Finance and Credit" made reserves for risk-pooling of all types of active banking transactions in the volume of 1, 28 billion UAH.

In 2009 the Bank paid to the state budget taxes and social payments in the volume of 127,9 million UAH.

The Bank serves over 120, 2 thousand of time deposit accounts of the private customers, as well as over 221,6 thousand of current accounts.

As of 01.01.2010, the amount of finance, attracted from the personal banking customers totaled 4,509 billion UAH.

The amount of finance related to the time deposit accounts of the personal banking customers totaled 4,156 billion UAH.

As a reaction to the unprecedented crisis developments of 2009, the Bank undertook loyalty programs for its customers in order decrease their financial burden, and offered service packages with regard to the loan restructuring: prolongation, repayment holiday, readjustment of repayment schedule etc.

Besides, on repeated occasions, over the course of a year the Bank was conducting a campaign "Hot Repayment", according to which the customers had an opportunity to buy currency at fair rate.

The next step of this program became the opportunity for individuals and to make translation of loan's currency from foreign currency into national currency for individuals and retail customers.

As of 01.01.2010, the Bank serves over 31,5 thousand of retail customers. The quantity of the agreements for the settlement and cash services - 26,5 thousand. Likewise, the Bank serves around 43 thousand of customers – legal entities. 

As of 01.01.2010, the Bank "Finance and Credit" issued more than 685 thousand of payment cards of the international payment systems, such as VISA and MasterCard.

Infrastructure of the  payment card business comprises 4 087 points of sale, 440 own automated teller machines (ATMs) and 527 cash points.

As of 01.01.2010, the Bank launched and implemented above 4349 payroll card programs.

As of 01.01.2010, the incorporated ATM network, which comprises the Bank "Finance and Credit", Ukrsibbank, Ukrsotsbank, Pravex-Bank, Rodovid Bank, VTB Bank totals 3900 ATMs, and allows the Bank's customers to withdraw cash from ATMs, without payment of additional commission.

Money transfer system "AVERS", created by the Bank "Finance and Credit", up to date established a leading position on the Ukrainian market of money transfers.

As of 01.01.2010, the Bank's system includes 1000 service-points within the territory of Ukraine, as well as 100 thousand points of acceptance/deposit of payments to 81 countries of the world.
The amount of business of "AVERS" system for 2009 totaled 1,5 billion UAH.

Being one of the largest importers of foreign currency, within 2009 the Bank "Finance and Credit" brought in around USD 207,72 million USD, € 76,65 million Euros, as well as the Bank sold 794 kilograms of banking metals.

As of 01.01.2010, the Bank' system includes 16 branches and 305 outlets without balance, which are working in all Ukrainian regions. In 2009, the optimizing program was implemented, owing to it the customer satisfaction improved substantially.

In September 2009, the state registration took place, consequently, there was a change of name from Open Joint Stock Company "Bank "Finance and Credit" into Public Joint Stock Company "Bank "Finance and Credit."