2020 04 Eng.Pdf
Total Page:16
File Type:pdf, Size:1020Kb
www.bankalliance.ua BANK ALLIANCE JSC is a versatile Bank providing a full range of banking services for legal entities and S&P GLOBAL RATINGS individuals and having an impeccable business The S&P GLOBAL RATINGS international rating agency reputation, whose mission is to create favourable has given BANK ALLIANCE JSC high credit ratings of conditions for the development of the Ukrainian В-/В with a STABLE forecast. economy and stable growth of gross domestic product. Bank ALLIANCE JSC is a member The Bank has been operating in the market for more of MasterCard WORLDWIDE 28than 28 years (Certificate of Registration dated 10 international payment system March 1992, Registration No. 89 in the State Register and an approved member of VISA of Banks). The Bank provides comprehensive services ASSOCIATION. to legal entities and individuals on the basis of an Since 29 August 2018, it is an official indefinite Banking Licence No. 97 dated 17 November member of the European Business 2011 for the right to provide banking services specified Association (EBA). in Part 3 of Article 47 of the Law of Ukraine “On Banks The Bank is an official Member and Banking Activities” and General Licence for of the International Chamber of currency transactions of the National Bank of Ukraine Commerce (ICC) since 21 December dated 30 December 2016, No 97-3 for the right to 2018. conduct currency transactions. The authorized capital amounts to UAH 365 million and As of 10 march 2020, the Bank has the regulatory capital amounted to UAH 438 million a regional network of 21 branches, as of 1 January 2020. The Bank 100% complies with all which is represented in the largest economic standards365 and foreign exchange position cities of Ukraine. limits of the National Bank of Ukraine, including liquidity and capital. On 9 January, 2020, the Rurik The Bank is a member of21 the Deposit national rating agency confirmed BANK ALLIANCE Guarantee Fund (Certificate No. a long-term credit rating of a borrower at the uaAAA 023 dated 2 September 1999) and investment category level with a stable forecast, and a member of the Independent determined the Bank’s deposit rating at r5-. Association of Banks of Ukraine. Network International Highly Unchanged external Operation in the largest credit rating profitable auditor’s opinion on on the banking cities of Ukraine at the B-/B level from activity confirmation market since 1992 the leading rating agency of the financial state- Standard&Poor’s ments Availability Share Individual Professional of national of non-performing flexible approach to and experienced top rating loan portfolio servicing management team uaAAA of up to 1% customers TO ATTAIN ITS STRATEGIC OBJECTIVES, THE BANK BUSINESS MODEL DISTINGUISH THE FOLLOWING BUSINESS AREAS IN ITS ACTIVITIES: CORPORATE BUSINESS: • lending • documentary transactions (including balancing guarantees) • payment and cash services • financial leasing • payroll programs • direct dealing • individual conditions SYNERGY in the work with the TOP • Forex Operational management and owners of management of corporate clients liquidity Funding Purchase and sale of SMEs with funds of currency INTERBANK AND of individuals RETAIL BUSINESS: INVESTMENT BUSINESS • payment cards • purchase and sale of currency • mortgage lending • security transactions • deposit transactions • cash collection services • e-licences for investments abroad • placement / raising of funds • VIP banking • provision of cash • making international payments Cash collection • support of foreign economic activities FOREX for individuals Cash collection Purchase and sale of cash foreign currency SUSTAINABLE DEVELOPMENT Within the approved strategy for 2020~2022, BANK ALLI- ANCE JSC reaffirms its commitment to the principles of transparency and accountability in its day-to-day operations and strives to achieve high standards of service at the Bank 100% owned by Ukrainians. • Investments in the development of SMEs • Continuous improvement of the quality of services provided • Expansion of regional presence • Implementation of joint projects with the state and international financial institutions • Decent working conditions • Personnel training • Safety and health of employees • Charity projects KEY STAKEHOLDERS Shareholders Investors Sustainable development is not possible without building partner relations with the stakeholders. The Bank is guided by the principles of access to public information of all key stakeholders. Media Employees Partners Clients Public authorities APPROVED STRATEGY AND MISSION OF THE BANK The Bank’s priority objective for 2020~2022 is to achieve the position of an efficient, modern and competitive bank of Ukraine. This involves creating a structure that would be adaptive and resilient to rapid changes in the environ- ment, attentive and innovative to customer needs, subject to the risk management and security principles. Con- sidering the history of development, assessment of the current state and prospects (SWOT analysis), we consider the strategy of organic growth with a focus on the corporate segment, conservative credit policy and gradual de- velopment of the regional network to be justified. KEY FEATURES OF THE SELECTED STRATEGY INCLUDE THE FOLLOWING: 1. Niche treasury and transaction bank 2. Target segments: • Small and medium-sized corporate clients and related retail clients • VIP clients (private banking) • financial institutions 3. Regional presence in the largest cities of Ukraine, with the primary reach in Kyiv 4. The priority lending segment is small and medium-sized business 5. Priority to lending to borrowers with a high financial status 6. Increase in the share of commission fee income, first of all, from corporate clients 7. Combination of traditional and digital operation models Based on the selected strategy, the vision, mission and objective of the Bank are formed as follows: VISION: BANK ALLIANCE is a reliable and versatile bank that has the trust of the public and builds long partner relations, providing clients with modern personalized solutions. MISSION: Creating favourable conditions for the development of the economy of Ukraine and stable growth of gross domestic product, while maintaining the optimal balance of inter- ests of clients, shareholders and the Bank itself. We give people confidence and reliability, we make their lives better by helping them to bring to life their aspirations and dreams. Our mission defines the sense and content of the activities of BANK ALLIANCE JSC and emphasizes the important role of the Bank in the national economy and society — maintenance of confidence, reliability and stability. Our customers, their needs, dreams and aspira- tions are the basis of our activity as an organisation. At the same time, the Bank’s objectives cannot be attained with- out personal and professional objectives of the people who work in the Bank. A high objective is attained by a team of like-minded people who are united by a common value system. OBJECTIVE: To be a reliable financial partner focused on the interests of clients, and to hold strong positions in the target client segments, to ensure profitable activities of the Bank. OWNER Alexander Sosis The ultimate beneficial owner of BANK ALLIANCE JSC is a citizen of Ukraine. Alexander Sosis who, after approval by the National Bank in 2016, acquired a major interest in BANK ALLIANCE JSC of 89,289% in the authorized capital of the Bank. Alexander Sosis is a businessman, founder and co-owner of the insurance group ASKA, founder of the All-Ukrainian charitable organisation “Alexander Sosis Foundation”, winner of the "Personality of the insurance market" of the newspaper “Business” (2000), winner of the national program "Man of the Year" in the nomination “Manager year” (2002), the best top-manager of Ukraine according to the rating “Investgazeta” (2002), entered the top ten of the leaders of the insurance sector, according to the estimation of “Guard of leaders — 2009”. KEY EVENTS 2020 The Bank is an active player in the interbank foreign exchange market of Ukraine, and ranks 17th in terms of trading vol- ume in the interbank foreign exchange market of Ukraine. Since Q4 2018, the National Bank of Ukraine has quarterly included BANK ALLIANCE JSC into the list of banks participating in the foreign exchange intervention 2019 The Bank is the leader in the bank guarantees market in the Prozzoro procurement system The Rurik national rating agency confirmed BANK ALLIANCE JSC a long-term credit rating of a borrower at the uaAAA investment category level with a stable forecast and also rated bank’s deposits at the level of r5- The S&P GLOBAL RATINGS international rating agency has given BANK ALLIANCE JSC high credit ratings of В-/В with a STABLE forecast As of 1 January 2020, the individual UAH deposit portfolio of Bank Alliance reached UAH 1 billion Refinitiv, the global leader in financial services information and trading systems, recognizes Bank Alliance’s treasury team as the winner in annual Best Dealing Desk category in 2019 Annual audit of financial statements by Baker Tilly, an international auditing firm The Bank has received licences to carry out such new activities for itself as “factoring”, “financial leasing”, “depository activity of depository institution” and “securities trading activity: dealership activity” The Bank has signed a memorandum on the general principles of cooperation in the implementation of state support to agricultural producers with the state, which provides for the allocation of budgetary funds for