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In 2013, corporate financing was aimed at: • • • • •
search of new, economically prospective borrowers; increasing financing limits for existing borrowers showing positive business growth dynamics; developing individual package of credit services for every borrower; developing standard products for corporate financing; improving financing-related services to expedite review of loan applications and ensure timely and quality satisfaction of customer needs in credit resources.
Main principles of corporate financing: preservation of quality and yield rate of credit portfolio. When reviewing financing applications, the main attention was focused on studying the borrower’s creditworthiness, analysis of its financial and business standing, effectiveness of business plan and development prospects, availability of steady account activity.
Corporate loans issued, millions of UAH 0 ———————————————————————————————————————————————————————————————————————————————————————————————————————————————————————————————————————————————————————————————— 8 000
6 149 406
01.01.13
5 743
7 551 392
01.01.14
7 159 hryvnia
foreign currency
The amount of corporate financing has grown by 22.8%. Khreschatyk Bank continued to adhere to conservative principles in formation of the credit portfolio structure to diversify risks by sectors of economy.
Structure of loans by areas of business 0% ——————————————————————————————————————————————————————————————————————————————————————————————————————————————————————————————————————————————————————————————— 100%
5.5%
14.2%
17.3%
7.5% 3.7% 3.4%
25.7%
Public administration Construction Real estate, lease, engineering and services Food industry Extractive industries Textile industry Trade and service sphere Agriculture, forestry and hunting Transportation and telecommunications Finance Education Other
6.9% 5.7% 1.9%
6.7%
1.5%
Khreschatyk Bank continues servicing Kyiv’s municipal programs: • financial support of business entities: UAH 1.3 billion in financing was provided since 2001 for: -- development of export-oriented products, services and technologies; -- modernization, upgrade and purchase of production fixed assets; -- financing of energy-saving and environmentally-friendly technologies implementation projects; • financial support of Kyiv’s municipal utility companies, public transport and rapid transit systems, municipal pharmacy chain and bakeries: UAH 188 million was provided in 2013.