2019

The bank was founded in 1991. One of the first commercial banks in Ukraine. It is a universal private-equity bank focused on serving corporate clients while providing financial services to individuals.

28YEARS

• 14 branches in Kyiv and Kyiv region

• It serves more than 27 thousand customers

• Registered authorized capital – 393,7 million UAH

• The Bank’s equity – UAH 448,9 million UAH

Investment credit rating of the Bank at the level of uaAA+

with the forecast “stable”

Participant of the Deposit Guarantee Fund of individuals

Winner of the All-Ukrainian Bank Competition:

“Bank of the Year 2019”, “Best Bank Safe Deposit Box

Rental Service”

Certificate of state registration: series А00 №. 582818 dated 06.05.2010, NBU license №. 133 dated November 16, 2011.

The Bank performs professional activities in the stock

market – securities trading activities (brokerage and

depository activities)

A liquid, solvent, profitable and sufficiently capitalized Bank

That fully complies with the regulatory requirements of the

National Bank of Ukraine

Beginning

• Creating LLC «ChernihivBank» 1991

The History

of the Bank

«BankPrivatinvest»

• The Bank was renamed into the Joint-Stock «BankPrivatinvest» 1999

2010«ASVIO BANK»

• The Bank was renamed Public Joint-Stock Bank «ASVIO BANK»

2013

• National rating agency Credit Rating has assigned the bank a long-term uaBBBcredit rating

• The provision of services for the storage of valuables in individual safe deposit boxes accounts has begun

2015

• The Bank has complied with the requirements for the transparency of the ownership structure

• The Bank was connected to the international MoneyGram transfer system

• «ASVIO BANK» became an affiliated member of MasterCard Worlwidepayment system

Small steps to Great

Accomplishments

2016

• 12 new bank branches opened• An increase of share capital up to 300

million UAH• The Bank became a partner of the

MONEGO service• Advancing the Bank’s credit rating to the

uaA+ level

2017• The Bank has successfully passed the

National Bank of Ukraine checks, incl. on financial monitoring

• An increase of share capital up to 360 million UAH

• Advancing to the uaAA National rating scale level, the forecast is stable

2018

2019

• An increase of share capital up to 393,7 million UAH

• Advancing to the uaAA+ National rating scale level, the forecast is stable

• Increasing the number of branches to 14• The Bank became a partner of payment

services: Welsend, MoneyGram, Western Union, RIA

0,4%

Return on Assets

58,8%The capital adequacy ratio

(regulator requirement ≥ 7 % )

62,65%Regulatory capital adequacy ratio

(regulator requirement ≥ 10 % )

393,7 млн.грн.Share capital (regulator requirement–300,0 million UAH)

Key performance indicators for 01.01.2020р.

0,7%Return on Capital

158,52%LCRвв Liquidity score

(regulator requirement ≥ 100 %)

Economic indicators as of 01.01.2020 testify to financial stability and

significant development potential

Equity capital

Share capital

Funds of economic entities

Loans and debs of clients

Net assets

Profit

Obligations

Individual’s funds

393,7 million UAH

448,9 million UAH

394,4 million UAH

424,0 million UAH

1038,1 million UAH

3,2 million UAH

146,3 million UAH

589,1 million UAH

Dynamics of capital increase of «ASVIO BANK»

Share capital, million UAH

Regulatory capital, million UAH

«ASVIO BANK» business model - В2B&C

В2В В2С

b2b (business-to-business)

This is the bank business for

the business of the clients

business - business entity

b2b involves providing

clients with banking,

financial and other services

to support their professional

activities

b2с (business-to-consumer)

This is bank business for

individuals who are owners and

co-workers of the bank’s clients -

business entities, as well as

members of their families, friends

and acquaintances

в2с provides banking, financial

and other services for clients to

meet their personal needs, family

consumption

B2B&C - is a new principle of customer relations,

built on the understanding that business of any size

and type are real living people and with them the bank

builds deep partnerships

The bank should become an integral part of the

client’s lives, a reliable financial advisor and support

at all stages of their life

What distinguishes «SVIO

BANK» in the market:

Understanding the business

of the clients

Perfect client history

100% transparency of

ownership structure

The source of stability and

reliability is a business

model based on:

Individual approach to

each client

In Unconditional

Legality and Privacy

Conservative risk

management

Banking Group

«ASVIO»

А

S

V

І

О

JOINT-STOCK COMPANY CLOSED NON-DIVERSIFIED VENTURE CORPORATE

INVESTMENT FUND “ANEST RETAIL”

JOINT-STOCK COMPANY WITH LIMITED LIABILITY

ASSET MANAGEMENT COMPANY“ASVIO”

JOINT-STOCK COMPANY A CLOSED NOT DIVERSIFIED VENTURE

CORPORATE INVESTMENT FUND“ANEST DEVELOPMENT”

JOINT VENTURED VENTURE CORPORATE INVESTMENT FUND

“ANEST PROPERTIES”

“ASVIO BANK” JOINT-STOCK COMPANY

Money transfer

systems

«ASVIO BANK»

Partners

International

payment

systems

Online money transfers

Compliance

&

Finance

monitoring

Highly appreciating its own reputation as a reliable and transparent financial

institution “ASVIO BANK” adheres to the requirements of Ukrainian and

international law industry and corporate rules, professional standards and

procedures.

«ASVIO BANK»:

does not open or maintain anonymous accounts;

adheres to the principle of “Know your customer";

assesses the risk level of legalization by clients of illegal proceeds;

has no correspondent accounts with banks in countries that do not comply or

comply improperly with the recommendations of international anti-money

laundering organizations, or support international terrorist activities, or are

offshore territories;

does not cooperate with shell banks;

JSC ASVIO BANK is registered with the U.S. Internal Revenue Service as a

financial institution

participating in the FATCA and received the Global Intermediary Identification

Number (GIIN) -

9UZ520.99999.SL.804.

Risk

management

Introduces a comprehensive risk management system

Increases regulatory capital, taking into account the requirements of the National Bank of

Ukraine and the approved Capitalization Program.

Introduces new capital requirements to cover operating (OR) and market (MR) risks,

leverage ratios (capital ratios of active operations).

Introduce an internal capital adequacy assessment, taking into account the ICAAP risk

assessment (assessment off all material risks, planning of capital needs to cover material

risks).

Provides effective control over credit risk level:

Complies with approved levels of risk tolerance.

Reduces concentration of loan portfolio, low-quality assets ( NPL).

Maintains a high level of liquidity in the bank’s balance sheet, including through transactions

in the financial markets of Ukraine.

Introduces the Net Stable Funding Ratio (NSFR).

Certainly complies with the economic standards of the National Bank of Ukraine.

Improves operational and compliance risk management mechanisms.

Continues work on implementing the (Standardized Approach) to operational risk

assessment .

JSC ASVIO BANKPreobrazhenska Str., 2 Chernihiv,

14000, UkrainePhone: (0800) 30-30-50

Fax: (044) 205-43-40www.asviobank.ua

e-mail:sekretar@asviobank.ua

THANK YOU!

JSC ASVIO BANKDruzhby Narodiv Blvd, 19

Kyiv, 01042, UkraineTelephone: (044) 394-88-00

Fax : (044) 205-43-40www.asviobank.ua

e-mail:sekretar@asviobank.ua