Branch of "Oschadbank" in Kharkov: addresses, telephones, mode of operation. Oschadbank of Ukraine

Oschadbank is the largest financial institution in Ukraine with an extensive network of 4,000 institutions. The state financial institution is under the control of the Cabinet of Ministers of Ukraine.

History

The State Mercantile Bank of Ukraine is the legal successor of the Savings Bank of the USSR. It was registered on December 31, 1991 in the National Bank of Ukraine under the number 4 as an independent institution. By a decree of the Cabinet, in 1999 the financial institution was renamed into Oschadbank. To date, the head of his board is Andrei Pyshny.

Financial indicators

Oschadbank of Ukraine is a universal institution that focuses on creating favorable conditions for services, expanding the list of products and its presence in the market.

In 2013, in the rating of credit institutions, it ranked second after Privatbank, and today it is a symbol of stability and reliability. According to the main financial indicators of the market, this bank is one of the market leaders and belongs to the largest financial institutions of the country.

Its authorized capital is 34.9 billion UAH. Own funds - 8.6 million UAH, the volume of deposits - 122.2 billion UAH. In the second quarter of 2016, the bank received 252 million net profit.

The services

Oschadbank of Ukraine has the largest network of branches in the country - 4000 pieces. A financial institution lends little money to natural persons, but accepts deposits and lends to state corporations. The range of services includes:

• Internet banking;
• Depositary activity;
• Financing of foreign trade transactions;
• Investment of funds;
• Operations with metals, etc.

Through the offices of Oschadbank in Kharkov or any other city of the country, individuals can:

• Open deposits in national and foreign currencies;
• Receive CWR;
• To register mortgages and car loans;
• Receive social benefits;
• To issue VISA and MasterCard plastic cards, etc.

The Bank participates in various government programs: provides a "social" mortgage and pays compensation to depositors of the Savings Bank of the USSR. Although since 2012, payments have been generally frozen because of the collapse of the economy.

Oschadbank (Kharkiv): offices, telephones

To use the services of a credit institution, you need to visit one of its branches. The financial institution works five days a week, but on a special schedule.

On weekdays from 09:00 to 17:20 only two branches of OJSC "Oschadbank" operate. The addresses of their location can be viewed on the official website. One is located at Ilyich Ave., 95, and the second - on the street. Proskury, 9b.

All the other branches of Oschadbank in Kharkov operate from Tuesday to Friday from 08:00 (08:20) to 16:20 (17:00) and also on Saturday, in the mode from 08:00 to 15:00. In each of them, the break starts at 13:00 and lasts one hour.

In the strengthened mode and without breaks the following branches of Oschadbank in Kharkov operate:

• Ul. Rustaveli, 16/18;
• Pl. Constitution, 22;
• Ul. Shironintsev, 44;
• Moskovsky Avenue, 124.

In addition, in all cities of Ukraine there are off-balance branches. They can pay utility bills or receive a social payment, but they will not be able to issue a deposit or a loan. JSC "Oschadbank" (Kharkov) has the same branches. The departments of the Frunzensky district, for example, are located at the following addresses:

• Moscow avenue 256b;
• Ul. Rybalko 40 (post office 61099);
• Ave Traktorostroiteley 107b.

Billing of bills

A new product for representatives of small and medium-sized businesses, which started in five regions of Ukraine, is the avalanche of bills. You can register it through the central branch of Oschadbank in Kharkov, among others.

In the framework of this program, the bank undertakes to make payment on the bill, if the client does not fulfill the obligations undertaken. The following shall be subject to an admission:

• Commodity bills issued for settlements for goods related to the manufacture and processing of agricultural products;
• Tax bills that certify the taxpayer's obligations to pay a fee to the budget.

The simplification of the promissory note and the bill of exchange is also carried out by the representatives of the SMEs. More details of the provision of this service can be found by visiting the offices of Oschadbank in Kharkov or by calling the hotline.

The need for this service is greatly increased in the agro-industrial complex. Avalination is not only an additional source of working capital, but it can also become an alternative to classical lending. Moreover, the rate for providing such a service is only 2.5%. To test the project, regions were chosen in which the need for this service is the highest.

News of the banking market

The events of 2014 influenced the situation on the banking market. Many credit institutions needed assistance from the regulator. The National Bank has developed individual capitalization programs and provided financing. To date, the country's twenty largest institutions have been capitalized. The program was fully implemented by two state institutions - Oschadbank and Ukreximbank, as well as Aval, VTB and UkrSibbank. Early on, Ukrsotsbank, OTP, Pivdenny and Prominvest managed to cope with the task.

At all listed credit institutions the share of capital in the structure of sources of financing has reached 5%. The adequacy of regulatory capital throughout the system as of August 1 was 13.84% with a minimum of 10%.

According to the plans of the NBU, the next stage of the system's recovery is the share of 7% by the end of 2017, 10% - in 2019. Of the twenty largest financial institutions of the country, "Ukrgasbank", "ING", "Agricole Bank" and "Citibank" do not need financing, and "Fidobank" and "Khreshchatyk" have already gone bankrupt.

The new direction of the market is the bank in the phone

The largest state financial institution JSC "Oschadbank" in 2015 served customers through 4,949 offices. Today only 4559 points are active. As a result of the modernization, 390 branches were closed or restructured. And this is not the limit. Until the end of 2016, there will be about 500 new branches in the country, and by the end of next year - 750.

The reality is that the financial services market is gradually moving to digital channels of communication. The competition is now carried out not between the branches of the bank, but between terminal networks, online services. The transition of the form of work to a digital service channel leads to an unjustified increase in the costs of supporting the work of the offices. The management strategy is changing. In 2-3 years, most of the branches will no longer be in demand.

In fact, the customers need for live communication will consist only in questions of informing about new banking products. Even cash operations are gradually moving to iBox terminals.

Ukraine has picked up the world trend. It is expensive to maintain bank branches. Therefore, there is a mass transition to self-service. A vivid example of this is "Privatbank". In each department, employees train people to work with self-service terminals.

Ukraine is a country of cash. This situation will not change in the next twenty years. Therefore, to work with money people will need, at least, terminals and Internet banking.

"Oschadbank" and "Ukreximbank" will be sold by the EBRD

Within the framework of the program for refinancing the banking sector, the issue of selling up to 20% of the shares of two state-owned banks until 2018 is being considered. But if in 2015, these conversations were related to the fact that both banks were threatened with default, today this step is seen as a new development strategy. The entry of the EBRD and the International Finance Corporation into state-owned banks will improve the quality of asset management. Oschadbank, which is engaged in lending to legal entities, and Ukreximbank, which finances export-import operations, will switch to working with the population.