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The rating agency "Standard-Rating" (Ukraine) presented the 44th reliability rating of bank deposits.
Experts studied deposit and savings programs for the population of 56 banks and identified leaders in several categories.
The "Optimal" deposit from JSC "COMINBANK" was recognized as the best deposit among banks with foreign capital. COMINBANK also entered the TOP-10 in the rating of reliability of deposits, occupying the seventh place.
Boris RAFALOVYCH, Deputy Chairman of the Board of COMINBANK:
"90% of deposits in COMINBANK fall within a period of 6 to 12 months, we build long-term relationships with clients, which for the bank is a so-called "long resource" that provides an opportunity to earn. Accordingly, the policy is such that customers are offered the maximum % rate for the longest term. 80% of our depositors renew their deposits for new terms every month.
At the moment, we are running the "Income +" campaign, under the terms of which customers will receive a pleasant guaranteed bonus. The size of the additional interest rate can be increased when making a deposit in bank branches by blindly selecting a scratch card indicating a possible additional bonus in the amount of 0.5% to 2%. Accordingly, today the maximum base rate for 12-18 months in hryvnia is 15% and 17%, if the client is lucky with the maximum bonus."
In the report, the agency's specialists noted that Kominbank ended the year 2023 with a profit after taxation in the amount of UAH 96.936 million. For the first quarter of 2024, the bank's profit amounted to UAH 116.723 million. As of the beginning of the second quarter of 2024, COMINBANK JSC had a high reserve of regulatory capital (H1) at the level of UAH 632.066 million with a standard of at least UAH 200 million and a high regulatory capital adequacy ratio (H2) at the level of 16.81% at the standard not less than 10%. Also, the bank was well provided with liquidity: the liquidity coverage ratio in all currencies (LCRvv) as of April 1, 2024 was 237.66%, and the long-term liquidity ratio (NFSR) was 183.9%
The full version of the rating is on the "Standard-Rating" website:
