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For customers attention Home About the Bank The Board Supervisory Board of the Bank Mission and philosophy of the Bank The Bank today Annual report - 2009 Issuer’s and shareholder meetings information Issuer’s information as for 02.10.2009 Issuer’s information - 2008 Information of special information initiation about emitter (2008) General shareholder meeting dated August 21, 2007 Annual reports storage 2008 2007 2006 2005 2004 Ratings AUB rating Moody's ratings "Kredit-Reyting" ratings Balance Sheet History Essential Details Bank's news Press releases Bank Finance and Credit prepares “Crazy Friday” for clients-physical persons Bank Finance and Credit carried out the next planned payment under Eurobonds Results of work of the Bank Finance and Credit for 1H2010 Photoreport of the winner of the promo "Fan-card" from the Bank Finance and Credit from the republic of South Africa Retail deposits of the Bank Finance and Credit grew by UAH 800 MIO since the beginning of the year Bank Finance and Credit repaid $23 MIO of foreign debt Ihor Lvov: large-scale export of Euro from Ukraine Bank «Finance and Credit» attracted $11 million USD at foreign investor Second International conference «Markets of money transfers, cash currency and bank metals» finished its work Bank «Finance and Credit» attracted $5 million from a foreign investor Preparation for Second international conference «Markets of money transfers, cash currency and bank metals» actively gathers pace The Bank Finance and Credit sends football fans to the World football championship FIFA 2010 Second international conference «Markets of money transfers, cash currency and bank metals» will take place on June, 17-18th, 2010 Bank Finance and Credit granted financing in the volume of $5,1 million to the State Enterprise of Foreign Economic Activity "Ukrinterenergo” Bank Finance and Credit offers deposits in Russian roubles Bank Finance and Credit attracted $10 million USD from a foreign investor Bank Finance and Credit spent regular draw on “Fan-Card” Bank Finance and Credit obtained a long-term credit rating of investment class Bank Finance and Credit sums results of 1Q2010 The international system of money transfers “AVERS” gathers pace Hot on the heels with «Christmas meetings» Bank Finance and Credit attracted $25 million USD from a foreign investor Bank Finance and Credit presents: operation “Agent F&C” Bank “Finance and Credit” invites its Customers to jubilate together Bank Finance and Credit spent regular draw on "Fan-Card" Bank Finance and Credit helps to turn beautiful with «Oriflame Cosmetics Ukraine» Pound Deposit from the Bank “Finance and Credit” “A fresh breeze” for seamen from Bank Finance and Credit Bank Finance and Credit imported into Ukraine over $100 million Bank “Finance and Credit” attracted $12.5 million USD from a foreign investor Bank “Finance and Credit” sums up the results 2009 Bank “Finance and Credit” paid out 5% to the Eurobond holders under the scheme of euro-obligations’ restructuring Bank Finance and Credit increases ATM network: new partner – VTB Bank Eurobondholders of the Bank “Finance and Credit” agreed for the restructuring Bank Finance and Credit congratulated children with St. Nicholas Day Bank “Finance and Credit” offered the restructuring scheme of its Eurobond holders Promo “Gold standard” is a key to your business success Open Letter of Bank “Finance and Credit” To Valentyn Nalyvaychenko Head of the Ukrainian Security Service "Premium" deposit – become the winner of the award from Bank Finance and Credit As once the legendary football trainer, Valeriy Lobanovsky noted: “In football, you should live at present, even in future.” Preparation for Christmas with the Bank “Finance and Credit” No-lose deposit "Christmas" from Bank Finance and Credit The Bank “Finance and Credit” became Public Joint Stock Company (PJSC) Bank “Finance and Credit” launched the testing of Electronic Banking Bank “Finance and Credit” gives the second wind to the damaged currency notes Prolong your deposit at the Bank “Finance and Credit” and get supplementary interests “The Dollar morphs into… Hryvnia” – a new step of the Bank “Finance and Credit” loyalty program to its customers The Bank «Finance and Credit» attracted USD 7,94 mln. from the foreign investor The Bank «Finance and Credit» continues loyalty policy for the borrowers OJSC "Bank "Finance & Credit" again increases authorized capital Pay with VISA – support at the World football championship with the Bank «Finance and Credit»! The Bank «Finance and Credit» repaid USD 1,5 mln. of external loans The Bank «Finance and Credit» offers to place foreign-currency deposits by fair rate OJSC "Bank "Finance & Credit" intends to increase authorized capital The Bank «Finance and Credit» finished the Bank program of trade network optimisation Bank “Finance and Credit” extends its deposit program The Bank «Finance and Credit» represents a unique card product in pounds sterling The Bank «Finance and Credit» and «Belotserkovskyy tyre works» realise joint salary project Bank Finance and Credit Opened an Account with Saxo Bank (Denmark) The Bank Finance and Credit discharged indebtedness of USD 5,703 mln. of foreign loans in July A shareholders' meeting of OJSC Bank "Finance & Credit" was held Bank Finance and Credit Transferred Funds For Eurobond Coupon Payment Performance of the Bank Finance and Credit in 1H2009 Regarding Restructuring of the Foreign Indebtedness of the Bank Finance and Credit Bank «Finance and Credit» offers beneficial repayments of USD loans Paint autumn with the bright colours together with the Bank «Finance and Credit»! From the beginning of 2009 the Bank “Finance and Credit” Contact-centre processed over 200 thousand clients’ references The Bank «Finance and Credit»: blocking of corresponding accounts did not influence either clients or liquidity «The magnificent seven» from the Bank «Finance and Credit» brought fast profit to the clients Bank Finance and Credit implemented the fourthousandth new anniversary salary project The Bank “Finance and Credit” engaged Morgan Stanley Bank (Great Britain) as consultant The Bank «Finance and Credit» for the first time imports investment coins «Zodiacal signs» and «Car Mini» Bank Finance and Credit continues negotiations with the Government on the question of recapitalization New deposit “Magnificent seven” from Bank Finance and Credit Bank Finance and Credit and HC «AvtoKrAZ» cross the road to crisis Go KrAZ go! The joint automobile rally of Bank Finance and Credit and Holding Company "AvtoKrAZ" has started From the beginning of the year Bank Finance and Credit has realized 100 hypothecary automobiles The Bank “Finance and Credit” granted a loan of over UAH 1million in the framework of joint program with German-Ukrainian Fund (GUF) 1 May – the day of solidarity of the Bank “Finance and Credit” and depositors The Bank “Finance and Credit” continues realization of network modernization The curator is presented in “Finance and Credit” Bank Results of the Bank Finance and Credit work for 1Q of 2009 “Finance and Credit” Bank – social responsible organization The Bank “Finance and Credit” is in negotiations with the Government on recapitalization “Finance and Credit” Bank offers the new program of currency loan repayment NBU administration recommends “Finance and Credit” Bank to recapitalization Card million of “Finance and Credit” Bank New Deposits from the Bank Finance and Credit to its SME Customers Bank Finance and Credit offers new opportunities to its customers Bank Finance and Credit raffled the «Spring in Paris»! Special Meeting of Shareholders of the Bank Finance and Credit Promo Action for Retail Borrowers of the Bank Finance and Credit – Hot Repayment Children Drawings Contest `I am a Football Fan` from MasterCard and Bank Finance and Credit Bank Finance and Credit offers package of services for restructuring customers` loan debts Bank Finance and Credit offers an updated Deposit Line program Bank Finance and Credit resumes lending for purchasing Stakhanovsk railway cars Bank Finance and Credit heads on to its Customers Bank Finance and Credit to launch a Program of Domestic Manufacturer Support Integration of money transfer systems AVERS (Bank Finance and Credit) and Caspian Money Transfer Employees of the Bank Finance and Credit donated part of themselves to kids Bank Finance and Credit summarized results of its activity in 2008 Bank Finance and Credit offers its customers a new Relevant Deposit program Bank Finance and Credit actively cooperates with insurance companies New Deposit Rates from the Bank Finance and Credit Bank Finance and Credit Became a Winner of a Competition Bank ‘Finance and Credit’ develops cooperation with Unitrade Group Bank 'Finance and Credit' 999 finest bullions found their owner Bank ‘Finance and Credit’ prepared gifts for children on St. Nicholas Day Meet Spring in Paris together with Bank ‘Finance and Credit’ Central Regional Administration of Bank ‘Finance and Credit’ signed the agreement on payroll card program with Energy Company of Ukraine Bank ‘Finance and Credit’ prepared New Year presents for its customers Bank ‘Finance and Credit’ will not charge fee for the withdrawal of deposits Bank ‘Finance and Credit’ disclosed card fraud Odesa Regional Administration of Bank ‘Finance and Credit’ issued loan to Odesa State Railway The number of Bank ‘Finance and Credit’ POS has exceeded 4 thousand Bank ‘Finance and Credit’: For you! Bank ‘Finance and Credit’ is eleventh in the PARD rating of custodian for the third quarter of 2008 Bank ‘Finance and Credit’ launches new foreclosure project Extend Boundaries: integration of AVERS and Zolotaya Korona – Money Transfer systems Bank ‘Finance and Credit’ gives children their favorite books Faster. Easier. Wider. AVERS system increases its pace Money transfer systems turnover of Bank ‘Finance and Credit’ has doubled as compared to the previous year The number of ‘Finance and Credit’ SMS-banking users soars Bank ‘Finance and Credit’ continues to ‘give away’ Deposits of the Highest Order Bank ‘Finance and Credit’: We care about pensioners’ income Moody’s has confirmed ratings of Bank ‘Finance and Credit’ Bank ‘Finance and Credit’ says does not plan to expand branch network, yet will not cut down the stuff Following the results of three quarters of 2008 Bank ‘Finance and Credit’ financial result makes up UAH 149.92 mln Bank ‘Finance and Credit’ to open UAH 90m credit line for Zelena Dolyna Agrocomplex Ltd. Bank ‘Finance and Credit’ to open credit line for Kremenchuh MiS Ltd. Bank ‘Finance and Credit’ to prolong its opening hours Bank ‘Finance and Credit’ offers Beneficial Repayment Bank ‘Finance and Credit’ to open UAH 40m credit line for Ukraine International Airlines Bank `Finance and Credit` actively proceeds with KrAZ Lending and KrAZ Leasing Programs Bank “Finance and Credit” obtained a 1H 2008 audit report from KPMG OJSC “Finance and Credit” Bank again increased authorized capital The branch «Central Regional Administration» of the Bank „Finance and Credit” presented regional direction in Vinnitsa «Finance and Credit» Bank opened the renewed credit line for the sum of USD 13 mln. for CJSC “Airline company “Aerosvit” Shopping-festival with MasterCard and «Finance and Credit» Bank Folklore colouring from Pridneprovsky regional administration of “Finance and Credit” Bank Over 10 000 credit agreements on small business programs are registered in “Finance and Credit” Bank Do not miss the Day of financial knowledge organized by “Finance and Credit” Bank Moody's increased “Finance and Credit” Bank’s rating “Finance and Credit” Bank gathers harvest from deposits watered by “Silver rain” «Finance and Credit» Bank offers “Deposits of the highest order” to its clients "Finance and Credit" Bank obtained a syndicated loan in the amount of 42,5 million USD “Finance and Credit” Bank registered authorized capital increase “Finance and Credit” Bank rewarded the winners of the promotion „Turn petrol into gold” «A great Bank quinary»: Rodovid Bank was added to the united Bank network of "Finance and Credit" Bank Odessa celebrates its 10th anniversary of "Odessa regional administration" of "Finance and Credit" Bank Financial result of the Bank Finance and Credit in 1H 2008 amounts to UAH 98.4 million. “Finance and Credit” Bank makes one more step towards to its clients “Finance and Credit” Bank has imported a lot of investment coins “Summer XXIX Olympic Games in Beijing” «Simple arithmetic»: “Finance and Credit” Bank introduces new programs of card crediting – “Double two” and “Treble three” A shareholders' meeting of OJSC Bank "Finance & Credit" was held “Vivat, champion!”: “Finance and Credit” Bank summarized the results of “Champion-Card” promotion The first annual international conference "Markets of money transfer, cash currency and bank metals" is completed First annual international conference «Markets of money transfer, cash currency and bank metals» answers the door for its participants First annual international conference «Markets of money transfer, cash currency and bank metals» will take place in Kyiv Financial result of "Finance and Credit" Bank work according to the results of the first quarter of 2008 - UAH 12, 475 mln. "Finance and Credit" Bank awards gold to its winners The first stage of joint loyalty program "Charivna Kartka" of "Î'KEY" network of hypermarkets and "Finance and Credit" Bank was summed up "Finance and Credit" Bank implements CR2 Bank World system The united world children's view: the finalists of "Olympic fantasy VISA" competition from "Finance and Credit" Bank A shareholders' meeting of OJSC Bank "Finance & Credit" was held "Finance and credit" Bank broadens its presence - presentation of new direction in Khmelnitskiy Feel the nice freshness from the promotion "Silver rain" of "Finance and Credit" Bank Deposit portfolio of clients-individuals of "Finance and Credit" Bank exceeded UAH 5 bln. "Finance and Credit" Bank was the first in Commonwealth of Independent States to import USD 5 banknotes to the territory of Ukraine Support Ukrainian select team at Olympic Games-2008 in Beijing together with "Finance and Credit" Bank and VISA "Finance and Credit" Bank has attracted syndicated loan of $70 mln. "Finance and Credit" Bank and "O'KEY-Ukraine" have started a joint loyalty program "Finance and Credit" Bank realizes the informational service on the basis of the own Contact-centre - "Callback" "Finance and Credit" Bank presented regional board in Lutsk «Finance and Credit» Bank emitted a new card product – VISA Platinum “Finance and Credit” Bank SME clients loan portfolio exceeded UAH 500 mln. “Finance and Credit” Bank develops the own Contact-centre services list Win a tour for Olympic Games from VISA and "Finance and Credit" Bank "Finance and Credit" Bank took the 7th place in the rating of PARD custodians in 2007 Open the „Champion-Card” of "Finance and Credit" Bank and leave for European football championship «Finance and Credit» Bank, international payment system VISA Incorporated and petrol station network “Ukr-Petrol” defined the winner of the first stage of joint promotion – “Turn petrol into gold” The net assets of “Finance and Credit” Bank has increased in two times for 2007 and reached UAH 14, 634 bln. "Finance and Credit" Bank is dynamic in development of money transfer system "AVERS" “Finance and Credit” Bank holds the “Golden spring” promotion for individuals «Finance and Credit» Bank took the first position among partner-banks of the State mortgage institution by volume of refunding of mortgage loans The loan portfolio of individuals of “Finance and Credit” Bank exceeded UAH 4 bln. Western regional administration of “Finance and Credit” Bank supports European checkers championship Slobozhanskiy regional administration of “Finance and Credit” Bank expands its location in Sumi region Broadening of partner Banks ATM network of “Finance and Credit” “Finance and Credit” Bank newly increased authorized capital Exhibition of popular photo Festival “Money, business and Odesa” “Finance and Credit” Bank share in mortgage lending market exceeds 4% Loan portfolio of individuals of Central regional administration of “Finance and Credit” Bank exceeded USD 1bln. OJSC “Bank “Finance and Credit” collaborates with the biggest Kyiv hypermarket “Okey Ukraine”. Bank “Finance and Credit” became a settlement acquirer - Bank for system Portmone.com Bank "Finance & Credit", international payment system VISA International and a chain of filling stations “Ukr-Petrol” launch a joint promotion campaign – “Turn petrol into gold” Bank "Finance & Credit" launches a new product in the mortgage lending market Increase of Bank "Finance & Credit" authorized capital in 2,5 times was registered Bank "Finance & Credit" ranks 6th in the rating of PARD for the 3rd quarter of 2007 Bank "Finance & Credit" raffles off bonuses to deposits North-West regional administration of Bank "Finance & Credit" acted as a partner of the project “Seven wonders of Rivne region” Odesa branch of Bank "Finance & Credit" was a co-organizer of the festival of the popular photography “Money, business and Odesa” Affilate “Crimea regional adminastration” of Bank "Finance & Credit" grants UAH 30 mln. facility to a private enterprise “Krymbumaga” Bank "Finance & Credit" network exceeds 350 sales outlets Following the results of 3 quarters of 2007 Bank "Finance & Credit" financial result makes up UAH 183,674 mln. A shareholders meeting of OJSC Bank "Finance & Credit" was held Bank "Finance & Credit" grants more than USD 40 mln. loan facilities for enterprises of the FIM Group Bank "Finance & Credit" grants loans on security motor vehicles Bank "Finance & Credit" demonstrates the best dymanics of retail loan portfolio development among Top 10 banks Bank "Finance & Credit" presents mortgage facilities in Kremenchug Bank "Finance & Credit" offers its SME clients a new service – “Overdraft at 9%” Bank "Finance & Credit" offers its customers a new deposit “Prospect” Bank "Finance & Credit" united ATM network increases up to 1,500 ATMs Bank "Finance & Credit" implements a new facility for SME segment clients – “Used vehicles on credit” Bank "Finance & Credit" grants UAH 12 mln. loan to the municipal enterprise “Kharkiv heat networks” Bank "Finance & Credit" implements a new mortgage loan refinancing programme for individuals Lukhansk branch of Bank "Finance & Credit" actively works with individual clients Kharkiv Branch of Bank "Finance & Credit" improves the quality of servicing clients Bank «Finance and Credit» provided advance payment guarantees to the Kerch shipbuilding plant “Zaliv” Over 5,000 people work for Bank "Finance & Credit" Bank "Finance & Credit" makes a decision to increase its authorized capital in 2,5 times The central regional administration of Bank "Finance & Credit" (Kyiv) granted more than 1,000 loans under the “Auto Premium” facility Bank "Finance & Credit" grants USD 10 mln. facility to OJSC “Kremenchugmyaso” Bank "Finance & Credit" develops its network in Poltava region most actively The State Committee for Securities and Stock Market registered issuance of shares of OJSC Bank "Finance & Credit" Bank "Finance & Credit" ranks 1st in the State Mortgage Institution rating following the results of work in the first half year of 2007 ATM network of Bank "Finance & Credit" comprises more than 300 ATMs Bank "Finance & Credit" has issued 500,000 payment cards The AVERS money transfer system of Bank "Finance & Credit" is recognized to be one of the best SME loan portfolio of Bank "Finance & Credit" reaches UAH 300 mln. Bank "Finance & Credit" ranks 1st in the rating “15 Best Mortgage Loans” In the second quarter the amount of accounting operations with securities performed by the custodian Bank “Finance & Credit” increased by 75 percent Since the beginning of 2007 net assets of Bank "Finance & Credit" have increased by 1,36 times and exceeded UAH 10 bln. Bank "Finance & Credit" shifts from the 7th to the 6th place in the rating of the Association of Ukrainian Banks by the amount of attracted fixed-term funds from individuals Finance & Credit Bank retail loan portfolio surpassed UAH 3 bln. Finance & Credit Bank grants financing to the AVentures Group holding company Finance & Credit Bank and Ukrsotsbank unite their ATM networks Finance & Credit Bank grants repayment guarantees for USD 993,000 advance payment of LLC Trading house of the plant Progress Finance & Credit Bank finished syndication of 1-year USD 60 mln. loan facility Finance & Credit Bank continues to promote its SME loan facilities Finance & Credit Bank opened a credit facility to the company Ukrgazvydobuvannya The quantity of acquiring outlets of Finance & Credit Bank exceeds 2000 Svitlana Lototska is appointed Deputy Chairman of the Board of Finance & Credit Bank Finance & Credit Bank implements a new product – sale of electronic vouchers to replenish accounts of prepaid mobile services using the Bank’s ATMs Finance & Credit Bank becomes an agent of the international money transfer service Xpress Money Finance & Credit Bank obtains KPMG auditor’s report Finance & Credit Bank finishes financing the project on building cargo ships of OJSC Ship-Building Yard Zaliv Finance & Credit Bank started syndication of 1-year USD 50 mln. loan facility SSI Company continues collaboration with Finance & Credit Bank Finance & Credit Bank continues to celebrate anniversaries Finance & Credit Bank (Kyiv, Ukraine) and JSCB Interkoopbank (Moscow, Russia) sign an agreement on cooperation and integration of their in-house money transfer systems Following the results of the first quarter of 2007 financial result of Finance & Credit Bank makes up UAH 59,6 mln. Finance & Credit Bank proceeds with restructuring from LLC into an open joint stock company (OJSC) "Finance & Credit" Bank launches a car facility for individuals Auto Premium Lviv Branch of "Finance & Credit" Bank prolongs a credit facility for OJSC “Galichparm” "Finance & Credit" Bank implements new loan facilities for individuals “Land Loans” and “Consumer lending on security of land” "Finance and Credit" Bank imports investment Panda Coins and Mexican Libertad Coins into Ukraine "Finance and Credit" Bank increases crediting period for Car Loans up to 8 years Kryvy Rih Branch of "Finance and Credit" Bank is 10 years old "Finance and Credit" Bank is the first to have imported The American Eagle (USA) and The Koala (Australia) investment coins into Ukraine "Finance and Credit" Bank and “Telesystems of Ukraine”, CJSC conclude a contract of payments acceptance from the public using the "AVERS" money transfer system "Finance and Credit" Bank becomes a direct agent of the “MoneyGram” international money transfer service Credit portfolio for individuals of "Finance and Credit" Bank exceeded UAH 2 bln. multicurrency A group of card swindlers was arrested in Kyiv “Finance & Credit” Bank completed syndication of 1-year USD 70 mln. loan facility There was held a presentation of Cherkasy Oblast Front Office of "Finance and Credit" Bank Credit portfolio of individuals of "Finance and Credit" Bank increased by 2,7 times in 2006 Bank branch “Lviv regional administration of "Finance and Credit" Bank” is celebrating its 10th anniversary” Financial result of operation of “Finance and Credit” Bank in 2006 amounts to UAH 101,69 mln. "Finance and Credit" Bank and "Western Union" company have summed up the joint promo action “Let’s go to the Grandfather Frost with the whole family” The Bank 'Finance and Credit' Deposits portfolio from individuals exceeded UAH 3 billion (in multicurrency) Bank “ Finance and Credit “ launched “Quick Cash “and “ Quick Pay ” services under “ Western Union ” system for legal entities Oleg Shapkin has been appointed as Vice Chairman of "Finance&Credit" Bank Board The bank 'Finance and Credit' is awarded by VISA International Payment System based on the results of 2006 performance The Meeting of Shareholder's of the Finance and Credit Bank took place The “Finance and Credit” Bank” granted over 60 units of computer and office equipment to Ukrainian social organization “Fund of public assistance for people disabled from childhood». The international rating agency Moody’s assigned A2.UA National Rating to deposits granted by "Finance and Credit" Bank "Finance and Credit" Bank accomplished placement of Eurobonds in the amount of USD 100 mln. The «Finance and Credit» Bank and Western Union ® company carry out a joint promo action “Let's visit Father Frost with whole family” The "Finance and Credit" Bank multiplied the ATM network from 245 to 325 ATMs The Deposit Portfolio of Individuals of the «Finance and Credit» Bank Exceeded 2.5 bln.UAH Financial Work Performance of Finance and Credit Bank Following the Results of Three Quarters of 2006 totaled 61.41mln.UAH The "International Money Transfers LEADER" and the "Finance and Credit" Bank Declared About the Creation of International Union of Money Transfers Systems The "Finance and Credit" Bank carries out an action titled "Open a deposit with the "Finance and Credit" Bank and get a gift! " The "Finance and Credit" Bank Multiplied the Authorized Capital by 100 mln. - to 519 mln.UAH. The National Bank of Ukraine Registered the Enlargement of Authorized Capital of the "Finance and Credit" Bank on September, 25, 2006. The "Finance and Credit" Bank summarized the results of promotion action "Smart way to pay - use VISA". The "Finance and Credit" Bank began granting of long-term mortgage credits jointly with Public mortgage institution The "Finance and Credit" Bank is in the Number of those Ukrainian Banks who got a Lending Limit from Credit Commodity Corporation (USDA), USA The "Finance and Credit" Bank has Switched to New Upgrade Banking System "SR-bank-4" Three-year-old Bonds of Komsomolsk Municipal Council with Total Face Value on amount of 8 mln.UAH are Placed in Full The "Finance and Credit" Bank is Declared as the Winner of Competition Held by the Ministry of Finance of Ukraine on Maintenance of Project of the World Bank, Called "Rehabilitation of the Hydroelectric Power Stations" The Financial Result of the Activity of the "Finance and Credit" Bank for the Half-year of 2006 is 27.38 UAH.mln. The "Finance and Credit" Bank Attracted 7.811 mln.USD from the Financial Group "Cargill Financial Services International" The "Finance and Credit" Bank in the First Half-year of 2006 Realized Over 100 "KraZ"- trucks within the Framework of Credit and Leasing Programs Consumer Ñredit Portfolio of the "Finance and Credit" Bank Increased in 1.5 time from the Beginning of 2006 and Exceeded 1 bln. UAH The "Finance and Credit" Bank Attracted a Syndicated Loan from Foreign Banks on the Amount 35 USD.mln. The "Finance and Credit" Bank and "VISA International" Conduct Joint Promotion Action, Called "Do Right and Settle up With VISA!" The "Finance and Credit" Bank Issued 300 thousandth payment card The "Finance and Credit" Bank got the Audit Opinion of the International Audit Company KPMG The «Finance and Credit» Bank put in operation new lending program to individuals, called «emergency financial assistance ». The "Finance and Credit" Bank raised from population over 2 bln.UAH Financial result of the "Finance and Credit" Bank on results the 1 quarter 2006 year amounted UAH 20, 35 mln. The "Finance and Credit" Bank Became the First in Introducing on the Territory of CIS the New Issue Banknote of the Face Value of $10 The "Finance and Credit" Bank Offers New Discount Program to the customers, which are the owners of plastic cards The "Finance and Credit" Bank has Occupied the 8th Place in the PARD's Rating of Depositors The "Finance and Credit" Bank Offers New Service, namely the Payment of Services of the Mobile Network Operator "UMC" with the Help of Instant Money Transfer System "AVERS" The Financial Results of the of the "Finance and Credit" Bank for the 2005 Amounted 14.71 mln.UAH The "Finance and Credit" Bank Issues the Credits on the Purchasing of the Rail Carriages The "Finance and Credit" Bank has Established the Credit Line to JCJSC "Airline "International Airlines of Ukraine" on the Amount of 8 ml.USD The "Finance and Credit" Bank has Passed through the Certification on the Servicing of the Chip Payment Cards of the VISA International in its own ATM's Network and POS-terminals The "Finance and Credit" Bank brought into Ukraine over 1 bln.USD in 2005 The "Finance and Credit" Bank has Granted the Credit on the Amount of 1mln.UAH to the SE "National Palace of Arts "Ukraine" The "Finance and Credit" Bank Offers New Service, namely the Payment of Services of the Mobile Network Operator "Kievstar" with the Help of Instant Money Transfer System "AVERS" The “Finance and Credit” Bank has a twenty-four-hours customer supporting centre The “Finance and Credit” Bank has opened the regional office in Kirovograd The commercial network of the “Finance and Credit“ Bank includes 200 outlets of bank’s services trade The Volumes of Funds on the Terms Accounts of the Bank “Finance and Credit” has been doubled Since the Beginning of the Year and reached 1.56 bln.UAH The Bank „Finance and Credit” opened the regional board in Ternopil The Bank “Finance and Credit” grants next tranche on the base of credit line of SE “Kalushska Teploelectrocentral” The Bank “Finance and Credit” has Started Emitting of Payment Cards VISA Electron Instant Issue The Bank „Finance and Credit” opened the regional department in Vinnytsya The Bank “Finance and Credit” issued the credit line to CJSC “Bobrovitskiy Milk plant” Finance results of the activity of the Bank “Finance and credit” – totals of III quarter Moody’s Investors Service had assigned B2 Stable Rating to Bank “Finance and Credit” The Bank "Finance and Credit" has new personnel appointments Bank “Finance andCredit” has determined the credit line, valued 3.2 mln. ˆ to subsidiary enterprise of closed-end company ”Kyiv repair-building shipyard” The Bank "Finance and Credit" has passed through auditing in correspondence with the international auditing standards The Finance and Credit Bank enlarged its authorized capital The Bank "Finance and Credit" expands the net of ATMs From 180 to 285 Units The Bank “Finance and Credit” offers a new kind of deposit – F&C “We are 15” The Bank “Finance and Credit” started a new micro credit program of small-scale and medium business. The Bank “Finance and Credit” increases its authorized fund by 2,56 times The Bank “Finance and Credit” extends payment transfer network The Bank “Finance and Credit” have increased the credit term by the “KrAZ on credit” program. Subscribtion for news For individuals Promotion campaign Internet Bank About Internet Bank System Commission Fees in the Internet Bank System Agreement User's Guide Commission Fees for Issue Transactions and Servicing Instant Payment Cards Payment Card Regulations Consumer lending Car and motorcycle loans Mortgage lending programs “Payment by installments ” programme "First Financial Aid" Programme Crediting on security of a deposit Private payment cards loan limits Loan Application Deposits Interest Rates Deposit calculator Deposit calculator «Excellent 7» Deposit calculator «Fresh Breeze» Deposit Application Bank metal deposits Current accounts Tariffs for operations and services Tariffs for the current retirement accounts National currency operations on current accounts for social assistance payments through state non-budgetary funds Tariffs on individuals servicing Tariffs for the current retirement accounts National currency operations on current accounts for social assistance payments through state non-budgetary funds Commissions for opening current metals accounts and their settlement and cash services for individuals Tariffs on settlement and cash services operations for notaries and lawyers The program for pensioners and welfare recipients The social program for welfare recipients Payments Money transfers "AVERS" money transfer system Transfers through the Western Union system "ANELIK" money transfer system "MoneyGram" money transfer system "Xpress Money" money transfer system "BLIZKO" money transfer system Payment cards Types of payment cards Documents required Tariffs Payment cards for marine and river industry workers Regular card account decommissioning service Instant POS-terminal card account replenishment service Attention! 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Individual safe deposit boxes Basic tariffs Acceptance of worn-out and doubtful banknotes Depositary services Bank metals Bank ingots Prices for bank metals Bank metals operations «Metal» accounts Bank metal deposits Gold price chart Purchase of bank metals Coins Price of coins Bill payment by Portmone.com The package «Fresh breeze» from the Bank «Finance and Credit» for seamen For companies and banks For companies For banks Market news Services for correspondent banks Currency cash transactions Cash collection AVERS services for banks Western Union services for banks Traveler’s checks Bank metals Payment cards Interbank cooperation Market news Services for correspondent banks Correspondent relations Tariffs Major correspondent banks Currency cash transactions Cash collection AVERS services for banks Western Union services for banks Traveler’s checks Bank metals Payment cards Payment cards Promotion campaign Functioning promotions Promotion archive Benefits of our payment cards Cards emission for 5 working days Urgent cards emissions Cards emission with magnetic strip and integrated microchip Payment cards currency Opening of different payment system cards on 1 account Period of card validity Availability of bank-partners Discount program Companies-partners within discount program for payment cards holders Extra services Regular decommissioning Instant POS-terminal card account replenishment service SMS-banking Money transfer from the card account through the Bank ATM network between the Bank cards Pin-code change in the ATM Extension of a mini-statement Credit limit The card payment of the mobile communication with the help of the SMS messages Types of payment cards Payment cards for enterprises Salary project Corporate payment cards Cards for individuals Private cards Pension cards Social cards Deposit cards Cobranding cards Tariffs Opening and servicing Facilities Acquiring ATMs and cash delivery outlets ATMs in Ukraine Kyiv and regional ATMs Cash delivery outlets ATMs of bank partners Clients' actions in non-standard situations Payment Card Application Lost your card? 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