61200, Ukraine, Kharkov, Lenina ave 60a

About Bank

Chairman of Board: Yury Merkuryevich Shramko

General information

The Bank was registered in November 30, 1990 as Share Innovative Commercial NPK-Bank (Nauka, Promyshlennost’, Kultura – Science, Industry, Culture). In October 1991 it was reorganized into Joint-Stock Commercial NPK-Bank and in May 1996 the Bank changed its name to Joint-Stock Commercial REAL BANK. Since 2002 the Bank is called Open Joint-Stock Company REAL BANK.

The Bank is a member of the Association of Ukrainian Banks, the Kharkiv Banking Union, the Kiev International Stock Exchange, the Natural Persons` Deposits Guaranteeing Fund and Society for Worldwide Interbank Financial Telecommunications S.W.I.F.T.

The Bank established correspondent relationships with Citibank N.A. (USA), Commerzbank AG (Germany), ING Belgium SA/NV (Belgium), Rietumu Banka (Latvia), Alfa-Bank, CB Garant-Invest (Russian Federation), others.

The main principles of activity

The Bank’s main aim is to offer maximum reliability and security of banking operations, safety of the funds entrusted by stockholders and clients of the Bank. The Bank strictly observes demands of banking legislation of the country, normative documents of the National bank of Ukraine, respective international agreements. The Bank conducts continuous monitoring of clients' operations, fulfils recommendations of the FATF group for the purpose of preventing “money laundering” caseFinancial reports of the Bank are regularly published in press and at the internet site to provide transparency of its work.

The Bank services and clients

OJSC REAL BANK has the right to perform almost the whole range of banking operations due to bank license №20 of July 10th, 2002 and Permission №20-2 of December 6th, 2002 received from the National Bank of Ukraine.

The Bank services more than 10.000 clients – both legal entities and natural persons, including more than 2.000 foreign students, studying in higher educational establishments of Kharkiv. They receive a wide range of services.

Using modern banking technologies OJSC REAL BANK provides “Client-Bank” and Internet-banking services, interbank payments via SWIFT. The Bank operates with plastic cards of the international payments system Visa International (as associate member) and MasterCard Europe, effects Western Union, MoneyGram and Leader money transfers. The Bank accepts and buys Thomas Cook traveller’s cheques

OJSC REAL BANK has access to the international informational and dealing system Reuters.

Our clients can use automatic telephone system to receive account statements and information about currency exchange rates with the help of personal codes.

We provide clients with the opportunity to keep valuables in the up-to-date safe depository with individual cells of different size. It is possible to transport and collect money values from clients using modern transport vehicles, equipped in accordance with high security and reliability standards.

Bank offices

The Bank has two offices in Kharkiv, the Lisichansk branch and two offices– in Lisichansk and Severodonetsk - in Lugansk region. The Bank has 14 ATMs: 9 in Kharkiv, 4 in Lisichansk and 1 in Severodotetsk. Our clients can receive cash in hryvnias and US dollars or buy vouchers of mobile operators with their help.

Main financial figures

The authorized capital of the Bank as of 1st January 2008 equals 63 mln. UAH, balance capital – more than 9,98 mln. UAH. EUR), assets are over 258 mln. UAH. The Bank has conducted profitable activity through all years of its existence.

Successful financial activity of the Bank makes possible allocations of funds for further renovation and strengthening of its technical base, improvement of banking technologies, working conditions for personnel and customer services.

Charitable activities

OJSC REAL BANK actively participates in charitable work. The Bank helps young talents, makes allocations to charity funds, medical and educational establishments, religious communities. The Bank gives financial support to publish works of Ukrainian writers, and to hold musical festivals and contests.

Veterans and disabled veterans of war receive material support on Victory Day and Day of Liberation of Kharkiv.

The best students of the Y.Mudry National Law Academy and the Kharkiv Banking Institute receive title scholarships of the Bank.

JSC REAL BANK: general information

Full name: Joint-Stock Commercial REAL BANK

The Bank was registered on 30 November 1990 by the State Bank of USSR as Share NPK-Bank (science, industry, culture), registration No 997.

Chairman of the Board: Yury Merkuryevich Shramko