Great plans with a large bank!


Our Manifest

I change the country because my bank changes it
  • Ukrainian startups are rising with us and big business is becoming powerful
  • Millions of Ukrainians are taking the first steps with us and planning for the future
  • Life-simplifying innovations and offices are available anytime, anywhere
  • Reliability under any circumstances – all this, sure, Oschad!
The largest universal bank in the country
  • Big, but close, clear and open to everyone
  • Sure, Oschad is a simple answer to any financial question
  • Because we can do anything! And we do everything. So that everyone can honestly say:

My bank – of course, Oschad!

My bank – sure, Oschad!

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 and Supervisory Board of JSC "Oschadbank"

Financial calendar

Release of full year 2021 Audited Financial Statements under IFRS

May, 2022

Release of 1st Quarter 2022 Results under IFRS

June, 2022

Release of 2nd Quarter 2022 Results under IFRS

July, 2022

Release of 1H2022 Interim Financial Statements under IFRS

August, 2022

Release of 3rd Quarter 2022 Results under IFRS

October, 2022

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

* Subject to further update

Credit ratings

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

Moody’s Investors Service (revision date 10.03.2022)

  • Baseline credit assessment

  • Bank Deposit Rating (Local Currency), Long-term


Fitch Ratings (revision date 01.03.2022)

  • National rating, Long-term


    АА (ukr)
  • Foreign currency issuer default rating, Long-term


Oschadbank is a member of these organizations


Association "Ukrainian National Group of Members and SWIFT Users" UkrSWIFT

Association "Ukrainian Stock Traders"

Self-regulating organization of professional stock market participants


MasterCard Worldwide International Payment System


International Payment System VISA Intl.


Independent Association of Ukrainian Banks


Professional Association of Markets of Capital and Derivatives


Association EMA UKRAINIAN Interbank Association MEMBERS Cash Management

National Payment System "Ukrainian Payment Area (Prostir)"


European Business Association

Oschadbank is accredited by

Documents and reporting

we have collected all possible documents related to the bank's activities in the archive for your convenience

Articles of Association