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 Statements and Reports

Annual Reports

*Annual Reports have not been issued since 2013



IFRS Financial Statements



UAS Financials

2015

2014


2013


2012


2011


2010

* Bank has started publishing its financials under IFRS since 2016

Financial calendar

This financial reporting timetable contains preliminary dates* of future financial statements releases and other events within PJSC «Oschadbank»

2018
Release of full year 2017 Audited Financial Statement under IFRS April, 2018
Release of 1st Quarter 2018 Results under IFRS April, 2018
Release of 2nd Quarter 2018 Results under IFRS July, 2018
Release of first half 2018 Interim Financial Statement under IFRS September, 2018        
Release of 3rd Quarter 2018 Results under IFRS October, 2018

* Subject to further update

Key figures and ratios under IFRS

(in UAH bn) 1H 2017 YE 2016 YE 2015
Net interest income before provision 2,79 
5,89 
5,90 
Net interest (loss) / income 1,77 
2,69
-9,83
Net fee and comission income 1,27 
2,13 
1,63 
Operating (loss) / income 3,51
6,05
-8,01
Operating expenses -3,2 
-5,59
-4,26
(Loss) / Profit before income tax 0,31 
0,47 
-12,27 

(in UAH bn) 1H 2017 YE 2016 YE 2015
Total assets 220,29
210,64
159,10
Loans to customers 65,63
65,95
65,46
Customer accounts 149,45
145,59
94,25
Total equity 25,89
15,76
7,36
Share capital 43,97
35,11
30,15

% 1H 2017 YE 2016 YE 2015
ROAE 2,9*

-92,3 
ROAA 0,3*
0,3 
-8,7 
Tier 1 ratio 17,9
9,6 
4,5
Capital Adequacy Ratio (CAR) 21,7 13 6,3
Net Interest margin 3,2
3,8
4,7

*annualized


UAH bn_2-01.svg


Credit Ratings

Fitch Ratings (review date 23.07.2018)
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 (review date 18.09.2018)
Foreign currency long term bank deposit rating Caa3
Local currency long term bank deposit rating Caa2        
Foreign currency senior unsecured debt rating Caa2*
Local currency senior unsecured debt rating Caa2
Baseline credit assessment Caa2

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