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Comparative analysis of PJSC «Ukrsotsbank» and PJSC «Delta Bank»

in terms of consumer appeal

OverviewRatingsFinancial performanceRange of servicesRecommendations

Contents

Overview

Public Joint Stock Company «Ukrsotsbank – one of the largest systemic universal banks of Ukraine;

Founded in September 1990;

More than 9 thousand employees; The Bank’s network comprises 9 607 offices in

Ukraine; The Bank is a permanent member of the Deposit

Guarantee Fund (Certificate №020 dated 02.09.1999);

NBU License №5 dated 05.10.2011.

PJSC «Ukrsotsbank»

JSC «Delta Bank» – ranked as a large bank by NBU classification;

Incorporated on February 15, 2006; The founder and owner of 100% of shares — Nikolai

Lagun; The Bank’s network comprises 102 offices in 62 cities of

Ukraine; The Bank is a permanent member of the Deposit

Guarantee Fund (Certificate №178 dated 15.10.2009); NBU License №225 dated 08.10.2009.

PJSC «Delta Bank»

Ratings

Date of research: April 1, 2013 Ukrsotsbank Delta Bank

Rank: 7 (out of 56) Rank: 3 (out of 56)

Overall Rating 3.97  4.27

Stress Tolerance   points points

The total score   18 323,00 32 933,00

Quality of assets 33.11 1.00 15.90% 3.00

Quality funding -10.23% 5.00 89.37% 5.00

Profitability 0.01% 3.00 0.30% 4.00

Liquidity 14.94% 3.00 25.40% 5.00

The capital adequacy 19.49% 5.00 9.09% 2.00

The scale of the bank 22 007,00 22 007,00

Loyalty contributors points points

The total score 14 702,00 22 007,00The Bank's share in retail deposits

3.15% 5.00 4.12% 5.00

Experience in the market from 1991-09-27 5.00 from 2006-02-14 3.00

The payments bank reputation ― 5.00 ― 5.00

Stability ratings, calculated according to the standards of the NBU

Qua

lity

of a

sset

s

Qua

lity

fund

ing

Profi

tabi

lity

Liqu

idity

The

capi

tal a

dequ

acy

-20.00

0.00

20.00

40.00

60.00

80.00

100.00

UkrsotsbankDelta Bank

Financial performance

Financial results on April 1, 2013 Ukrsotsbank Delta Bank

NBU ranking by assets: 6th place (out of 169) 7th place (out of 169) The loan portfolio 23980m UAH 21350m UAHProvisions for credit risks 7939m UAH 3395m UAHNet assets 39420m UAH 34746m UAHNet assets of 12 months earlier

40393m UAH 24528m UAH

Liquid funds 4552m UAH 7354m UAHEquity 7683m UAH 3160m UAHAuthorized capital 1815m UAH 2327m UAHDue to banks 11896m UAH 6329m UAHTotal deposits 18560m UAH 22628m UAHIndividuals' deposits 12331m UAH 16110m UAHIndividuals' deposits in the previous quarter

11645m UAH 13352m UAH

Debt securities issued by the Bank

0 UAH 1204m UAH

Subordination of debt 799m UAH 773m UAHNet profit 4m UAH 98m UAH

Financial performance (in absolute terms)

The loan portfolio

Provisions for credit risks

Net assets

Net assets of 12 months earlier

Liquid funds

Equity

Authorized capital

Due to banks

Total deposits

Individuals' deposits

Individuals' deposits in the previous quarter

Debt securities issued by the Bank

Subordination of debt

Net profit

0.00 20,000,000,000.00 40,000,000,000.00 60,000,000,000.00

Delta Bank

Ukrsotsbank

Range of services

services in both banks are not really different

For individuals

Deposits Mortgage Current accounts

Loans Travel Insurance Precious metals

Debit cards Safe boxes Travel сheques

Credit cards Remittances Remote banking

Ukrsotsbank

For corporates

Delta Bank

Loans Cash management Non-replenishable

Factoring Cash teller Replenishable

Trade finance and documentary operations E-banking Quarterly

Bill services Deposits System client

Cash management & payments Roll-over Financial institutions – non-residents

Cash transactions and collection services

Current account in local and foreign currencies Payroll Documentary operations

Corporate payment cardsThe possibility of «Internet Banking» for the group of

companiesBank guarantees

Buying and selling foreign currency Lending Securities trading

Deposit solutions

Recommendations

«Delta Bank» – is your best solution for:

For individuals

• placement high-yield medium-term deposits;

• opening current accounts;

And «Ukrsotsbank» – for:

• mortgage• travel сheques;• processing debit cards.

«Ukrsotsbank» only

For corporates

THANKS FOR YOUR ATTENTION

AND

DON`T ASK TOO MUCH

by Tymur Shafeiev