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Credit Dnipro Bank has affirmed its deposit reliability rating at the level of "5"

29 September 2023

IBI-Rating Rating Agency confirmed the reliability rating of Bank Credit Dnipro's bank deposits at the level of "5", which means "excellent reliability".

As the agency's release notes, the financial institution is reliable, pays its obligations on time in accordance with current legislation, including NBU requirements, and has a good reputation. The probability of problems with the timely return of the deposit is low, since the financial institution is not very sensitive to the influence of external and internal factors.

The rating agency assesses the quality of the resource base of Bank Credit Dnipro JSC as good. The main positive factors include full repayment of expensive resources from the NBU, an increase in the amount of financial resources involved from individuals; increasing the share of term funds in the deposit portfolio. 

As of September 28, 2023, term deposits of individuals increased by UAH 1.5 billion compared to   at the beginning of the year. (+ UAH 1,454 million) or by 74% to UAH 3,427 million.

At the same time, the resource base is diversified in terms of sources of financing, creditors and sectors of the economy; dependence on population funds is not observed. 

JSC "Bank Credit Dnipro" has a high level of liquidity, the indicators are at a high level, the LCR for all and foreign currencies exceeds the regulatory indicators with a margin. 

Taking into account the active implementation of new lending programs, further development of retail, agricultural lending, corporate business lending, there is a gradual increase in the working loan portfolio, which contributes to good performance indicators.

The rating agency positively evaluates the results of the Institution's activities, which contribute to the increase of capitalization and further development of the institution.

Credit Dnipro Bank is among the TOP-20 financial institutions of Ukraine in terms of gross assets and, according to the classification of the National Bank of Ukraine, belongs to the group of banks with private capital. According to the results of operations as of September 1, 2023, Credit Dnipro Bank demonstrated a profit of UAH 259 million. As of September 1, 2023, the Bank's assets amounted to UAH 18,467 million. The loan portfolio — 4,492 million UAH, the portfolio of clients' funds reached 16  140 million UAH. Regulatory capital — UAH 1,745 million.

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