я змінюю країну

тому що її змінює мій банк

будуй своє!

Долучайся до програми підтримки підприємництва


субсидія 2019

Інформація для субсидіантів та комунальних підприємств





у нас кольорово – камон у фоловери




  • Персональне обслуговування
  • Конфіденційність преміальних відділень
  • Комфорт подорожей по всьому світу

About Oschadbank

The Public Joint-Stock Company “State Savings Bank of Ukraine” was established in compliance with Decree of the Cabinet of Ministers of Ukraine of May 21, 1999, N 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. Over 6 thousand of its offices carry out their functions, including the disbursement of pensions, social aid, processing of utility payments and other banking transactions. Taking into account its social orientation the Bank aims at maintaining a wide presence in all regions of Ukraine. 

Oschadbank is the only Ukrainian bank where the deposits and other valuables of citizens are fully guaranteed by the state by law. The Bank has confirmed its status of the stable financial institution; its economic potential empowers it to meet all its liabilities. 

The Bank is actively working in almost all sectors of the Ukrainian financial market; it provides services to large corporate clients, such as offices of the Pension Fund of Ukraine, UDPPZ Ukrposhta, the members of the wholesale electrical energy market at a modern level. 

Oschadbank is the universal banking institution focusing its efforts on creating of favorable conditions for customers servicing, expanding of the banking services and products range in the market.

Information for investors

Financial calendar

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

Release of full year 2018 Audited Financial Statements under IFRS May, 2019
Release of 1st Quarter 2019 Results under IFRS May, 2019
Release of 2nd Quarter 2019 Results under IFRS July, 2019
Release of 1H2019 Interim Financial Statements under IFRS October, 2019
Release of 3rd Quarter 2019 Results under IFRS October, 2019

* Subject to further update

Key figures and ratios under IFRS

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


Credit Ratings

Fitch Ratings
National long-term rating AA (ukr)
Foreign currency long-term issuer default rating B-*
Local currency long-term issuer default rating B-*
Foreign currency short-term issuer default rating B *
Viability rating  b-
Support rating 5
Moody’s Investors Service
Foreign currency long term bank deposit rating Caa2
Local currency long term bank deposit rating Caa1
Foreign currency senior unsecured debt rating Caa1*
Local currency senior unsecured debt rating Caa1
Baseline credit assessment caa1

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


On May 22, in accordance with Article 7 of the Law of Ukraine "On Banks and Banking Activity", the Cabinet of Ministers of Ukraine appointed members of the Supervisory Board of the Savings Bank.

Independent members of the Supervisory Board are Sevki Acuner, Baiba Apine, Peter Briggs, Michael Weinstein, Oleksii Hrinchenko, Oleksii Reznikov.

A representative of the state from the Verkhovna Rada of Ukraine Committee on Financial Policy and Banking is Dmytro Vlasov.

A representative of the state from the Cabinet of Ministers of Ukraine is Daniel Bilak.

Appointment of independent supervisory boards of state-owned banks is a fundamental institutional reform, which shows the state's consistency in the implementation of the adopted Strategy for reforming the state-owned banking sector. For Oschadbank, it is also a precondition for further cooperation with the European Bank for Reconstruction and Development.

"Management of the bank, together with the Ministry of Finance and our European partners, is working to ensure that Oschadbank becomes commercialized and is ready for open competition, so that its corporate governance is in line with best international practices," noted Andriy Pyshnyy, Chairman of the Management Board of Oschadbank. – “A personal task for each member of the Management Board and, above all, for me - to ensure the fastest and most profound involvement of the new Supervisory Board in the bank's issues in order to update the Strategy and fulfill its tasks. We have a number of projects and initiatives requiring both the implementation of corporate governance based on the best international practices and the consistency of the course that has been taken and is aimed at the bank’s development."

Special focus of the bank’s shareholder in the person of the Ministry of Finance of Ukraine was on the transparency of the selection of candidates with the involvement of leading human resource agencies, which in turn were selected with the participation of international organizations. The winners, according to the results of the interviews and their evaluation, in line with the set criteria, were determined by the competition commission consisting of the representatives from the Committee of the Verkhovna Rada, the President, and the CMU.

For the first time in history, the majority in the Supervisory Boards of state-owned banks will be represented by independent directors. One of the independent directors will also be the head of the Supervisory Board. The election of an independent Supervisory Board will facilitate the implementation of the approved Development Strategy, increase the effectiveness of risk management, which will result in an increase in the profitability and attractiveness of Oschadbank for investors.  

 Oschadbank’s press service

May 23, 2019