financial and consumer

1. {
Comparative analysis of
PJSC «Ukrsotsbank» and
PJSC «Delta Bank»
in terms of consumer appeal

2. Overview
Ratings
Financial performance
Range of services
Recommendations
Contents

3. Overview

4.  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»

5.  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»

6. Ratings

7. 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 22 007,00
The 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

8. -20.00
-10.00
0.00
10.00
20.00
30.00
40.00
50.00
60.00
70.00
80.00
90.00
Quality of
assets
Quality
funding
Profitability
Liquidity
The capital
adequacy
Ukrsotsbank
Delta Bank

9. Financial
performance

10. 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 UAH
Provisions for credit risks 7939m UAH 3395m UAH
Net assets 39420m UAH 34746m UAH
Net assets of 12 months earlier 40393m UAH 24528m UAH
Liquid funds 4552m UAH 7354m UAH
Equity 7683m UAH 3160m UAH
Authorized capital 1815m UAH 2327m UAH
Due to banks 11896m UAH 6329m UAH
Total deposits 18560m UAH 22628m UAH
Individuals' deposits 12331m UAH 16110m UAH
Individuals' 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 UAH
Net profit 4m UAH 98m UAH
Financial performance
(in absolute terms)

11. 0.00 10,000,000,000.00 20,000,000,000.00 30,000,000,000.00 40,000,000,000.00
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
Delta Bank
Ukrsotsbank

12. Range of
services

13. 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

14. 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 cards
The possibility of «Internet Banking»
for the group of companies
Bank guarantees
Buying and selling foreign currency Lending Securities trading
Deposit solutions

15. Recommendations

16. «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.

17. «Ukrsotsbank» only
For corporates

18. THANKS FOR YOUR ATTENTION
AND
DON`T ASK TOO MUCH

19. by Tymur Shafeiev