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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.

 

WHAT WE HAVE ACHIEVED OVER THE PAST 3 YEARS (2018–2020)

  • We became the first among non-state banks to launch Internet acquiring ConcordPay with options from Apple Pay and Google Pay, which allowed the leaders of Ukrainian online business to increase the conversion of their trading platforms.
  • We were the first in Ukraine to launch a mobile version of Bank ID using QR-code technology.
  • We were the first in Europe to connect to 3ds v2.1 to issue Mastercard.
  • We became the # 1 bank for issuing foreign currency on international cards and cards of foreign banks (more than $ 1 million monthly).
  • We opened an office in the best business center of Kyiv - Leonardo (Visa and Mastercard offices are located there), 2 VIP-branches in Dnipro and Kyiv + 2 VIP-zones in Kharkiv and Lviv, as well as the first branch in Novomoskovsk and one more branch in Dnipro in the shopping mall "Nasha Pravda".
  • We were the first in Ukraine to launch separate bots for issuing cards in 30 seconds in Viber and Telegram without visiting the bank.
  • We have become a platform for creating the first open fintech ecosystem in Ukraine Concord Fintech Solutions.
  • We have launched a project with the HIGHPASS company to provide airport services of a new format at the main airports of Ukraine and in international destinations in demand (Turkey, Egypt, UAE).
  • We have signed an agreement with Zaporizhzhia Airport for the provision of business lounge services to our VIP clients, VISA INFINITE and MC WORLD ELITE cardholders
  • Our clients got access to the NEOBANK mobile application.

 

OUR AWARDS FOR THE LAST 3 YEARS (2018-2020)

  • The first place in the nomination "Leader of lending among the population and for significant contribution to charity" in the framework of the All-Ukrainian project "FINANCIAL INSTITUTIONS OF UKRAINE 2018: worthy, 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 10 most successful banks in the country in the categories "Internet banking" and "Mobile banking" at the FINANCIAL CLUB AWARDS 2019.
  • The first place in the nomination "Savings Bank for Business" in the category "Banks with private capital among small banks" in the framework of the financial award "Banks of the Year 2020", organized by the "Financial club".
  • "Best Acquiring Bank" (2nd place) according to the results of the PaySpace Magazine Awards 2020.
  • IconBridge from ConcordBank took first place in the nomination "Best techfin project" in the framework of the PaySpace Magazine Awards 2020, and the ConcordPay payment service took the third place in the nomination "Best partner of online stores in accepting payments". 
  • We received awards from the "Financial Club" as part of the study "Banks of the Year 2021" as "Profitable bank" and "Savings bank for population".
  • Visa awarded us with the "For driving SME business" certificate for supporting small and medium-sized business in 2020.
  • Our ONE ConcordBank card in 2020 received an award in the category "ONE IN A MILLION CARD" from the international payment system Mastercard.

 

ACHIEVEMENTS OF CONCORDBANK 2018-2020
  2018 2019 2020 GROWTH RATIO
Number of employees 278 persons 393 persons 452 persons +174
Assets, million UAH 1032 2039 2747 2,66 times
Authorized capital, million UAH 200 200 259 1,30 times
Credit portfolio of legal persons, million UAH 518 703 713 1,38 times
Credit portfolio of private persons, million UAH 31 35 37 1,19 times
Balance of private persons, million UAH 431 630 925 2,15 times
Taxes (personal income tax, single social security tax, VAT local taxes and fees), million UAH 21 43 58 2,76 times
Net profit, million UAH 10 53 56 5,60 times
 
Our TOP management
  • Yuriy Zadoya

    Chairman of the board

  • Oleg Kiyznitsa

    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

  • Oksana Babenko

    Deputy Chairman of the Board

  • Viktor Tsykaliuk

    Deputy Chairman of the Board

  • Anna Ranska

    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

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

31 March 2020

Rating motion

Сonfirmation

Credit Rating Category

Investment

Credit rating level

uaAA

Rating forecast

Positive

Issued by

National Rating Agency "Rurik"

Dynamics of the credit rating of CONCORD Bank

Dynamics of the credit rating of CONCORD Bank