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About ConcordBank

 

Our history

JSC “JSCB “CONCORD" was founded on August 7, 2006. In 2012, its main beneficiaries were Olena Sosiedka and Yuliia Sosiedka, which became a new stage in the bank's development. During this time, 14 branches were opened: 4 in Dnipro, 3 in Kyiv, 2 in Odesa, as well as in Lviv, Kryvyi Rih, Zaporizhzhia, Novomoskovsk and Kharkiv.

Since 2016 ConcordBank has a contract with an independent processing center "ProCard", making it completely independent in everything – from the issuance of state-of-the-art cards to terminals, from providing bonus systems to high speeds in payments.

JSC “JSCB “CONCORD" was the first among small and medium-sized banks in Ukraine to become a principal member of the payment
systems Mastercard, Visa and Prostir.

During the entire period of activity (since 2006) the bank has issued more than 100,000 payment cards, each of which can be connected to Apple Pay, Google Pay and Garmin Pay.

 

Our achievements in 2018-2022)

  • We became the first among non-state banks to launch ConcordPay internet acquiring with options from Apple Pay and Google Pay, which allowed Ukrainian online business leaders to increase the conversion of their trading platforms.
  • We were the first in Ukraine to launch the mobile version of Bank ID using QR code technology.
  • We were the first in Europe to connect to 3ds v2.1 issued by Mastercard.
  • We became the bank number 1 in issuing currency using international cards and cards of foreign banks (more than 1 million dollars monthly).
  • We opened an office in the best business center in Kyiv - "Leonardo" (where Visa and Mastercard offices are located), 2 VIP-offices in Dnipro and Kyiv + 2 VIP-zones in Kharkiv and Lviv, as well as the first office in Novomoskovsk and one more in Dnipro in the shopping center "Nasha Pravda".
  • We were the first in Ukraine to launch separate bots for issuing cards in 30 seconds in Viber and Telegram without visiting a bank.
  • We became the platform for the creation of the first open fintech ecosystem in Ukraine, Concord Fintech Solutions.
  • We launched a project with the HIGHPASS company to provide airport services of a new format in the main airports of Ukraine and in international destinations that are in demand (Turkey, Egypt, UAE).
  • We concluded an agreement with Zaporizhzhia Airport on the provision of business lounge services to our VIP clients, holders of VISA INFINITE and MC WORLD ELITE cards.
  • Our clients got access to the NEOBANK mobile application.
  • We received appreciation for the support of the All-Ukrainian information campaign aimed at protecting the rights of consumers of financial services "Know Your Rights" from the National Bank of Ukraine.
  • Together with Visa and Portmone.com we are working on a Pos Phone application for business based on Visa Tap to Phone technology.
  • In 2021, we opened new ConcordBank branches in Dnipro (CDC "Menora") and in Odesa.
  • In 2021, we presented an updated website for the ConcordPay payment system.
  • In 2021, the mobile bank for individuals called NEOBANK for everyone started operating under the ConcordBank's license.
  • In 2021 we celebrated our 15th anniversary! 
  • In 2022, a new release of NEOBANK for individuals with onboarding through the Diia service was introduced.

 

Our awards in 2018-2022

  • First place in the nomination "Leader of lending among the population and for a significant contribution to charity" within the All-Ukrainian project "FINANCIAL INSTITUTIONS OF UKRAINE 2018: dignified, successful, reliable".
  • The second place in the nominations "Best Debit Card", "Best Debit VIP Card" and "Best Credit VIP Card" and the third place in the nomination "Best Credit Card" according to the results of the prestigious financial award "FinAwards 2019".
  • We were included in the top ten most successful banks in the country in the "Internet banking" and "Mobile banking" categories at the FINANCIAL CLUB AWARDS 2019.
  • The first place in the category "Savings Bank for Business" in the category "Banks with private capital among small banks" in the financial award "2020 Banks of the Year", organized by the company "Financial club".
  • "The best acquiring bank" (2nd place) according to the PaySpace Magazine Awards 2020.
  • ConcordBank's IconBridge took first place in the "Best techfin project" nomination at the 2020 PaySpace Magazine Awards, and ConcordPay's payment service took 3rd place in the nomination "Best online shopping partner for accepting payments".
  • We received awards from the "Financial Club" as part of the "Banks of the Year 2021" study as "Profitable Bank" and "Savings Bank for the Population".
  • Visa awarded us with the "For driving SME business" certificate for supporting small and medium-sized businesses in 2020.
  • Our ONE ConcordBank card in 2020 received an award in the nomination "ONE IN A MILLION CARD" from the international payment system Mastercard.
  • ConcordBank won the "Leader in Open Fintech Ecosystem Development" nomination in 2021 from the NABU and the Financial Club. 
  • The chairman of the board of ConcordBank, Yurii Zadoia, was included in the "TOP CEOs and founders of banks under 40" by Banker.ua. 
  • ConcordBank won the nominations "Profitable bank" and "Savings bank for the population" from the "Financial Club" within the framework of the study "Banks of the Year 2021". 
  • The head of the supervisory board of ConcordBank Olena Sosiedka was included in the top five of the rating "Top 50 Ukrainian entrepreneurs in 2020" according to MC.today.
  • ConcordBank took 2nd place in the nomination "Best Acquirer Bank" at the annual PaySpace Magazine Awards 2021.
  • On June 3, 2022, we received recognition in the super important for Concord Fintech Solutions team (which includes ConcordBank) nomination - Best fintech ecosystem according to the Ukrainian Association of Fintech and Innovative Companies.

 

Performance indicators 2018-2021
 

2018

2019

2020

2021

GROWTH RATIO

NUMBER OF EMPLOYEES

278 persons

393 persons

452 persons

499 persons

+221

ASSETS, UAH MILLION

1032

2039

2747

4071

3.94 times

AUTHORIZED CAPITAL OF THE BANK, UAH MILLION

200

200

259

311

1.55 times

CREDIT PORTFOLIO OF LEGAL ENTITIES, UAH MILLION

518

703

713

654

1.26 times

CREDIT PORTFOLIO OF INDIVIDUALS, UAH MILLION

31

35

37

84

2.7 times

BALANCES OF FUNDS OF INDIVIDUALS, UAH MILLION

431

630

925

969

2.24 times

TAXES (personal income tax, single social security tax, VAT etc.), UAH MILLION

21

43

58

96

4.57 times

NET PROFIT, UAH MILLION

10

53

56

147

14.7 times

 
Our TOP management
  • Yurii Zadoya

    Chairman of the board

  • Oleg Kiyanitsa

    Deputy Chairman of the Board

  • Oksana Muntyan

    Deputy Chairman of the Board

  • Elena Bezuhla

    Depuity chairman of the board

  • Mikhail Savchenko

    Depuity chairman of the board

  • Tatyana Dashevska

    Deputy Chairman of the Board

  • Olena Poltavets

    Member of the Board, head of the risk management department

  • Irina Bondarchuk

    Member of the Board, the employee responsible for conducting financial monitoring

  • Dmytro Donets

    Chief Operating Officer

According to the NBU classification, the size of the assets of CONCORD Bank corresponds to Group II of banks. CONCORD Bank is a member of professional associations and communities - in Ukraine and in the world.
  • Participant of the Deposit Guarantee Fund for Individuals (certificate No. 184 dated January 18, 2007)
  • Principal member of the international payment system Visa International, the legal address of the company: 900 Metro Centre Boulevard, Foster City, State of California, United States of America 94404
  • Principal member of the international payment system MasterCard Worldwide, the legal address of the company: 1000 Purchase Street, Purchase, New York 10577, United States of America (US)
  • Member of the Organization of professional participants of the securities market "Ukrainian Stock Traders"
  • Member of the Ukrainian Interbank Currency Exchange (UICE)
  • Member of the First All-Ukrainian Bureau of Credit Histories
  • Member of the Independent Association of Banks of Ukraine (NABU)
  • Member of the Association "Dnieper Banking Union"
  • The participant of the National payment system PROSTIR (National payment system "Ukrainian payment system"), legal address: street Institute, 9, metro Kyiv, 01601, Ukraine
Bank rating

Rating object

JSC "JSCB" CONCORD "

Type of rating

Long-term credit rating of a borrower according to the National Rating Scale

Date of change

August 19, 2022

Rating motion

Сonfirmation

Credit Rating Category

Investment

Credit rating level

uaAA

Rating forecast

In development

Issued by

National Rating Agency "Rurik"

Dynamics of the credit rating of CONCORD Bank

Dynamics of the credit rating of CONCORD Bank