This version of the page http://www.fuib.com/en/about/financial_indicators/ (0.0.0.0) stored by archive.org.ua. It represents a snapshot of the page as of 2012-08-15. The original page over time could change.

FUIB

About FUIB

Private
clients
Personal service

Loans
- Car Loans
  - Simple Car Loan
  - Super Hit Car Loan
  - Optimal Car Loan
  - Comfortable+ Car Loan
  - Loan for collateralized car acquisition
- Cash Loan
- Mortgage Loans
  - Home Loan
  - Cash loan secured by real estate
- Overdrafts
  - 13th Salary
  - Overdraft secured by deposit
- Foreign currency loan refinancing in UAH
Deposits
- Term deposits
  - Profitable Deposit
- Recurring deposits
  - Saving Deposit
- Flexible deposits
  - Comfortable+ Deposit
  - Free Deposit
  - Growing Deposit
  - Deposit constructor
Card Packages
- Platinum Package
- Comfortable+ Package
- Classic Package
- Basic Package
Other Services
- Money Transfers
- Precious Metals
- Safe Deposit Boxes
- Custodian Services
My FUIB
- FUIB Online
- FUIB Call Center
- FUIB Mobile
- Feedback
Securities

Small
business

Business Finance
- Credits for current operations of the company
  - Replenishment of turnover capital
  - Overdraft
- Investment loans
  - Crediting of capital assets
  - Loans for purchase of commercial vehicles
- Financing under deposit
- Loans for agribusiness
  - Loan for replenishment of turnover capital
  - Loan for purchase of new agricultural machinery
Funds Placement
- Income account
- Standard
- Deposit with the possibility of replenishment
- Deposit with the possibility of withdrawal
- Flexible deposit
- Blocking of current funds
Cash and Settlement Services
- Opening and maintaining account
- Tariff packages
  - Tariff package “Start”
  - Tariff package “Agro”
  - Tariff package “Trade”
  - Tariff package “Private entrepreneur”
  - Tariff package “Universal”
  - Tariff package “International”
- Conversion operations
- Payments and cash transactions
- Retail acquiring
- Distance services
Payroll project

Corporate
clients

Business Finance
- Loans
  - Credits for current operations of the company
  - Investment loans
  - Financing under deposit
  - Loans for agribusiness
  - Factoring
- Trade finance transactions
  - Bank guarantees
  - Documentary letter of credit
  - Trade financing
- Issue of securities
  - Issuance of corporate bonds
  - Operations with promissory notes
Funds Placement
- Deposits
  - Income account
  - Standard
  - Deposit with the possibility of replenishment
  - Deposit with the possibility of withdrawal
  - Flexible deposit
  - Blocking of current funds
- Operations with securities
  - Savings certificates
Cash and Settlement Services
- Opening and maintaining account
- Conversion operations
- Payments and cash transactions
- Retail acquiring
- Distance services
Payroll Project

Financial
Institutions

Correspondent Banking
- Correspondent Accounts
- Correspondent Accounts in the Ukraine’s National Currency
- Correspondent Accounts in Foreign Currencies
- Investment Accounts
Processing Centre
- Advantages
- Services
- Radius ATM network

About FUIB

Corporate Governance
- Shareholders
- Сorporate Governance Structure
- General Shareholders Meeting
  - Audit Commission
- Supervisory Board
- Management Board
- Internal Audit Service
- Credit Council
- Committies
- Risk Management
- Articles of Association
- Regulatory Licences
- Information Disclosure Policy
  - Information of the Issuer
- Code of Ethics
Financial Information
- 2012
- 2011
- 2010
- 2009
- 2008
- 2007
Annual Reports
FUIB today
- Achievements
- Mission and Values
- Strategy
- History
Sustainable development
- Corporate Social Responsibility
- Sustainable development principles
- Charity and social responsible investing
Press Office
- News
- Analytics
- Press about us
Useful Information
- Requisites
- Membership directory
- Correspondent Banks
- Regulatory Licences
- FUIB in social media

Investor Relations

Corporate Governance
- Shareholders
- Сorporate Governance Structure
- General Shareholders Meeting
  - Audit Commission
- Supervisory Board
- Management Board
- Internal Audit Service
- Credit Council
- Committees
- Risk Management
- Articles of Association
- Regulatory Licences
- Information Disclosure Policy
  - Information of the Issuer
- Code of Ethics
Financial Information
- 2012
- 2011
- 2010
- 2009
- 2008
- 2007
Annual reports
Debt and Ratings
- Debt
- Ratings
Financial Calendar
Investor Relations News
Credentials
Contacts

Feedback

PUMB online

PUMB online for private clients
PUMB online for corporate clients

0 800 500 490 free from landline and mobile phones in Ukraine

Financial Information

First Ukrainian International Bank announces its 1H2012 financial results according to IFRS:

Net profit for the period is US$17.8 million
Net assets accounted for US$3.3 billion
Gross loan portfolio is over US$2.5 billion
Customer accounts amounted to US$2.1 billion
Capital up to US$618.0 million
Net Loan portfolio / Customer accounts 96.7%

Management commentary

Financials

Balance sheet: key components (US Dollars in millions)

P&L: key components (US Dollars in millions)

Performance ratios

Structural ratios

Asset quality ratios

Capital ratios

Financial Statements

2012

2011

2010

2009

2008

2007

Annual Reports

2011

2010

2009

2008

2007

First
Ukrainian
International
Bank

Member of the
Deposit Guarantee Fund

Close

prev next

Foto 1 of 8

Balance sheet: key components (US Dollars in millions)	1H2012	YE2011	YE2010⁴
Net assets as of the end of reporting period	3,270	3,720.9	3,219.1
Gross loan portfolio:	2,511	2,422.7	2,207.0
Gross loans to corporate customers	1,859	1,816.4	1,623.7
Gross loans to individual customers	653	606.3	583.3
Gross securities portfolio	413	522.9	382.2
Customer accounts:	2,092	2,531.3	1,939.9
Corporate accounts	891	1,447.4	948.6
Individuial accounts	1,201	1,083.9	991.3
Equity	618	604.9	527.1
Total capital (Tier 1 + Tier 2)	703	690.2	462.4³

P&L: key components (US Dollars in millions)	1H2012	YE2011	YE2010⁴
Net interest income	65.9	122.7	106.1
Net non-interest income	24.1	50.3	48.7
Net fee and comission income	16.5	32.5	28.0
Trading and other volatile income	7.6	17.9	20.6
Operating income	90.0	173.0	154.8
Operating expenses	(54.3)	(96.9)	(87.8)
Profit before provisions and tax	35.8	76.1	67.0
Provisions	(13.4)	(7.7)	(24.1)
Net profit	17.8	56.4	(71.2)

Performance ratios	1H2012	YE2011	YE2010⁴
ROA before provisions and taxes (Profit before provisions and taxes / Net average assets)	2.1%	2.3%	2.2%
ROE before provisions and taxes (Profit before provisions and taxes / Average capital)	11.6%	13.6%	13.7%
ROA (Net profit / Net average assets)	1.1%	1.7%	2.4%
ROE (Net profit /Average capital)	5.8%	10.1%	14.6%
NIM (Net interest margin)	5.0%	4.3%	4.2%
C/I (Operating expences / Total income)	60.3%	56.0%	56.7%

Structural ratios¹	1H2012	YE2011	YE2010⁴
Net loan portfolio / Customer accounts	96.7%	93.4%	113.4%
Customer accounts / Liabilities	79.1%	75.5%	65.5%
Current accounts / Total customer accounts	43.1%	45.0%	37.1%

Asset quality ratios	1H2012	YE2011	YE2010⁴
NPL²/ Loans to customers	20.1%	19.1%	23.0%
Provisions / Loans to customers	14.7%	15.1%	17.6%
Provisions / NPL²	73.2%	79.4%	76.6%

Financial Information

First Ukrainian International Bank announces its 1H2012 financial results according to IFRS:

1Q2012

2Q2012

Annual

4Q2011

3Q2011

2Q2011

1Q2011

Annual

4Q2010

3Q2010

2Q2010

1Q2010

Capital ratios	1H2012	YE2011	YE2010⁴
CAR (Basel)	26.1%	26.8%	26.2%³
CAR (NBU)	16.1%	15.9%	18.8%³