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Expert opinion: corporate segment of banking market. View from Kharkov


Head of Kharkiv Macroregion Corporate Business Department of PJSC “Ukrsotsbank”, UniCredit BankTM, Valeriy Smolko, defined key tendencies at banking corporate market and perspectives of its development.

Which tendencies predominate at corporate clients servicing market?

In 2012 there was seen a tendency of expanding the resource bases of banking establishments and increasing the volumes of financing in national and foreign currency, given to the real sector of economy, during last year. Around 60% of financing volumes in national currency are forwarded to working assets with around 40% being forwarded to investment activity, related to production expansion or efficiency growth (decrease of self-cost, energy consumption)”. Starting from February 2013 there is observed a decrease of interests in national currency both for credits and deposits.

It should be also noted that since lately the culture of financing has significantly increased at our market; the clients come to understanding that it is necessary to carry out external audit of their activity and correctly structure the deals basing on actual needs of business and search of a long-term credible financial partner.

Which tendencies are there in product line of international banks?

The presence of the international financial group UniCredit lets our clients enjoy post import and pre export financing on favorable terms for the client. PJSC “Ukrsotsbank”, UniCredit BankTM, is the only bank in Ukraine which is a member of Factors Chain International (FCI). This makes possible rendering import and export factoring services to our clients. We also actively increase the volumes of documentary operations.

Your bank is traditionally strong in corporate segment, which were the last major deals executed?

PJSC “Ukrsotsbank”, UniCredit BankTM actively participate in financing large investment projects, related to energy efficiency and ecology support. For example, in 2012 the bank launched a close cooperation with “KHASK” group - one of the largest manufacturers of adhesive tapes in Eastern Europe and one of the leaders in manufacturing supple plastic packing materials at Ukrainian market. All production is manufactured at the high-technological equipment from European raw materials. The quality of “KHASK” production is competent to the quality of world-known ones.

In August 2011 EBRR upon the consent of Ukrainian Anti-monopoly committee bought a share in the group of companies “KHASK”. This deal was a direct investment in the amount of USD 6 million, which are used for expansion of adhesive tapes and high quality supple plastic packing materials production for Russian, Kazakh and Ukrainian markets.

PJSC “Ukrsotsbank”, UniCredit BankTM, opened a general credit limit for the group “KHASK” in the amount of UAH 105 million, which included multi-currency credit lines, factoring, documentary operation and investment loans for purchase of equipment, innovative for the territory of CIS, which significantly decreased negative impact to the environment. The recovery system makes possible vapor recovery up to 80% of the total volume and its return back to the production. The quality control is held at all the stages of production. Currently the company successfully terminates the certification process of production under ISO 9001:2000 system.

We were pleased to receive a positive feedback about our cooperation from the CEO of “KHASK” group, Aleksandr Aptilon, who noted our credibility, as financial partner, and also initiative and efficiency when developing optimal financing structure taking into account the peculiarities of business.

Which enterprises will enjoy the highest growth rates and will need financing next year?

In 2013 the highest growth rates, up to me, will have: manufacturers of agricultural products, which are in need of additional capital due to the current tendency of enlarging the agricultural enterprises, export oriented enterprises, which deliver goods to the post-Soviet states (Russia, Kazakhstan, Uzbekistan, etc), and also pharmaceutical enterprises.

How will the credit and deposit rates change till the year end?

Concerning the credit and deposit rates, I think, that in 2 half of 2013 the cost of passive base will decrease for 3-5%, which will bring to the decrease of credit rates. Taking into account the dual-currency of Ukraine’s economy, devaluation expectations will influence the cost of national currency. By current autumn the growth of interest rates is possible, which has been seen during the last two years.


Source: RBC Ukraine 



Ukrsotsbank is one of the largest universal banks of Ukraine, operating in the local market since 1990. The bank offers full range of services to individuals and corporate clients.

The renovated Ukrsotsbank emerged on 31 October 2016 as a result of strategic deal whereby 99.9% of Ukrsotsbank shares have been transferred from UniCredit Group to ABH Holdings S.A. (АВНН) in exchange for a minority 9.9% stake in ABHH. Thus, the bank has combined 26-year-old traditions of Ukrsotsbank’s client-centric attitude, European quality of service inherent to UniCredit, as well as international banking expertise of ABHH in a number of European countries including CIS. Thanks to the successful synthesis and synergy of the two assets of ABHH in Ukraine, Ukrsotsbank and Alfa-Bank, the banking market of Ukraine will see the rise of a new stronger financial institution. This, in turn, will spur up technological advance, increase efficiency, improve quality of service for the clients, reduce cost of banking services whereas their range will inevitably expand.

The extensive retail network of Ukrsotsbank consists of 237 branches, its headcount reaching nearly 5 thousand employees.

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