ПриватБанк
ПриватБанк (украинский: ПриватБанк) – крупнейший украинский банк по объему активов и лидер розничного банковского рынка Украины. Он был зарегистрирован 19 марта 1992 года. ПриватБанк был одним из первых внедрить современное цифровое банковское обслуживание и уникальные технологические решения в Украине, позволяя клиентам использовать услуги банка онлайн в приложении Privat24.
Краткая информация о ПриватБанке
| Банки, головной офис в Днепре, 2010 |
- Тип компании: Публичное акционерное общество
- Отрасль: Банковское дело, инвестиции
- Год основания: 1992
- Штаб-квартира:
- Генеральный директор: Ханна Самарина[1]
PrivatBank: Leading Financial Services Provider in Ukraine
PrivatBank: История и инновации
К 31 декабря 2021 года, окончательным контролирующим органом Банка является государство, представленное Кабинетом Министров Украины.
Установление PrivatBank
PrivatBank является одним из первых коммерческих частных банков, созданных в Украине. Решение о создании PrivatBank было принято на встрече его основателей 7 февраля 1992 года.
19 марта 1992 года, Банк был зарегистрирован государством как коммерческий банк в форме общества с ограниченной ответственностью. В самом начале PrivatBank имел только один офис и несколько компьютеров. PrivatBank стал первым в Украине, кто ввел пластиковые карты и банкоматы.
История инноваций
| Год | Инновация |
|---|---|
| 1996 | Полное членство в Visa International (платежная система) |
| 1997 | Получение рейтинга от Thomson BankWatch |
| 1998 | Получение рейтинга от Fitch IBCA |
| 2001 | Запуск проекта Privat24 |
| 2018 | Смена организационно-правовой формы на акционерное общество |
PrivatBank известен своими инновациями. В 1999 году Банк запустил SMS-банкинг, а в 2000 году ввел динамические одноразовые OTP-пароли, связав карту с номером мобильного телефона.
Клиенты и сервисы
Банк является универсальным, сосредотачиваясь на розничном сегменте, активно продвигая услуги для малого и среднего бизнеса и селективно работая в корпоративном секторе.
Более 25 миллионов человек хотя бы раз в жизни пользовались услугами PrivatBank, что составляет большинство населения Украины. Почти 19 миллионов украинцев регулярно пользуются услугами PrivatBank, а в настоящее время клиентов Privat24 цифрового банкинга насчитывается более 15 миллионов.
Большинство корпоративных клиентов являются малыми и средними предприятиями. Особое внимание уделяется обслуживанию сетевых корпораций.
В 2003 году система Western Union признала PrivatBank лучшим банком по качеству обслуживания клиентов. Банк также получил премию STP Excellence Award от Deutsche Bank, подтверждающую профессионализм PrivatBank в международных расчетах.
PrivatBank также был первым банком в мире, который ввел П2П-переводы между картами в Интернете и начал массовую эмиссию мгновенных карт. В 2005 году Банк выпустил миллионную кредитную пластиковую карту.
Новости о технологиях от ПриватБанка
С 2004 года ПриватБанк начал осуществлять международные денежные переводы в Украину с использованием платежной системы PrivatMoney.
История инноваций
В 2008 году ПриватБанк создал первое приложение для iPhone в Восточной Европе – iPay, а в 2010 году запустил мобильные платежные терминалы.
В 2012 году было внедрено безконтактное снятие наличных через банкоматы с использованием смартфона и QR-кода.
В 2015 году ПриватБанк запустил технологию мгновенных платежей через QR-код.
В 2016 году Visa и ПриватБанк объявили о запуске службы Visa Token Service в Украине, которая заменяет конфиденциальную информацию платежной карты уникальным цифровым идентификатором – токеном.
2017 и 2018 годы оказались благоприятными для владельцев смартфонов: в 2017 году ПриватБанк ввел Android Pay (теперь Google Pay) в Украине, а в 2018 году – Apple Pay.
2019 год был отмечен обновленным Privat24. Кроме того, технология FacePay24 – оплата по лицу – стала доступна для клиентов банка впервые в Украине. Банк также реализовал ряд цифровых сервисов.
В 2020 году ПриватБанк запустил услугу Деньги у кассы, которая позволяет получать наличные на кассах магазинов. Кроме того, у банка появились первые биометрические платежные терминалы в Украине.
Кроме того, государственные услуги стали доступны для клиентов.
В 2021 году банк открыл первый Concept Store в Украине – полностью цифровой офис в Киеве, который неофициально называют отделением будущего.
Основные финансовые показатели
По официальным данным Национального банка Украины в 2021 году ПриватБанк заработал прибыль в размере 35,050 миллиарда гривен.
Ниже приведена информация об активах, собственном капитале и чистой прибыли банка за последние 15 лет. Более подробные финансовые показатели банка можно найти на официальном сайте банка в разделе О банке – Финансовая отчетность.
| Год | Собственный капитал, млрд UAH (на конец года) | Общие активы, млрд UAH (на конец года) | Чистая прибыль, млн UAH (за год) |
|---|---|---|---|
| 2021 | 376577 | 21,212,000 (на сентябрь) | |
| 2020 | 334570 | 24302,000 | |
| 2019 | 281637 | 32609,000 | |
| 2018 | 256100 | 12,520,000 | |
| 2017 | 25,607 | 259,061 | -22,965,913 |
| 2016 | 12.664 | 220.017 | – 135,928.838 |
| 2015 | 27.487 | 264.886 | 216.121 |
| 2014 | 22.696 | 204.585 | 749.036 |
| 2013 | 20.311 | 214.490 | 1,873.391 |
| 2012 | 18.300 | 172.428 | 1,532.760 |
| 2011 | 16.746 | 145.118 | 1,425.816 |
| 2010 | 11.879 | 113.437 | 1,370.179 |
| 2009 | 10.270 | 86.066 | 1,050.489 |
| 2008 | 8.195 | 80.165 | 1,291.776 |
| 2007 | 5.388 | 56.211 | 1,534.162 |
| 2006 | 3.288 | 33.777 | 506.208 |
| 2005 | 2.272 | 22.058 | 475.654 |
| 2004 | 1.465 | 14.713 | 164.842 |
| 2003 | 0.955 | 9.842 | 60.549 |
| 2002 | 0.549 | 6.811 | 150.879 |
| Shareowner | Percentage of shares |
| ————————————————————— | ———————— |
| The State is represented by the Cabinet of Ministers of Ukraine | 100% |
Wikimedia Commons has media related to .
- ATMs, payment terminals, departments of PrivatBank on the map
From Wikipedia, the free encyclopedia
PrivatBank
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| |
| ———————————————————————————————————————————————————- | ————————————————————————————————————————————— |
|
Banks, head office in Dnipro, 2010 | |
| Company type | Public joint-stock company |
| Industry | Banking, investment |
| Founded | 1992 |
| Headquarters | , |
| Hanna Samarina[1] | |
| Services | Financial services |
| Revenue |
₴ 18.910 billion (2013)[2] |
|
₴1.307 billion (2013)[2] | |
| Owner | Government of Ukraine[3] |
| Number of employees | 30,000 |
| Subsidiaries | AS PrivatBank (Latvia)AS PrivatBank (Portugal)AS PrivatBank (Italia)PrivatBank IBU (Cyprus) |
| Website | |
![]()
PrivatBank branch in Lviv, 2015
PrivatBank (Ukrainian: ПриватБанк) is the largest Ukrainian bank in terms of assets and the leader of Ukrainian retail banking market. It was registered on 19 March 1992. PrivatBank was one of the first to introduce modern digital banking and unique technological solutions in Ukraine, allowing customers to use the bank`s services online in the Privat24 app.
PrivatBank has the second-largest network of branches and the largest network of ATMs and terminals among Ukrainian banks. As of July 2022, more than 7,000 ATMs, 11,000 payment terminals and more than 250,000 POS terminals are operating in the network. The national banking service network of PrivatBank includes approximately 1,200 branches. PrivatBank is the largest issuer and acquirer of electronic payment means in Ukraine. The Bank owns PrivatMoney (money transfer system), Privat24 and LiqPay (most popular payment services in Ukraine).
PrivatBank was the first in Ukraine to connect Google Pay and Apple Pay payment services.
As of 31 December 2021, the final controlling party of the Bank is the State represented by the Cabinet of Ministers of Ukraine.
PrivatBank is one of the first private commercial banks established in Ukraine. Decision on PrivatBank establishment was taken at the meeting of its founders on 7 February 1992.
On 19 March 1992, the Bank was registered by the Stateas a commercial bank in the form of a limited liability company. At the very beginning, PrivatBank had only one office and a few computers. PrivatBank was the first in Ukraine to introduce plastic cards and ATMs.
In 1996 PrivatBank became a full member of Visa International (payment system) and launched a large-scale plastic cards issuance.
In 1997 PrivatBank became the first Ukrainian bank to obtain a Thomson BankWatch rating statement (an international rating agency) and became a full member of the Europay payment system.
In 1998 the Bank obtained Fitch IBCA rating statement (an international rating agency).
The launch of the Privat24 project was a significant event in the Ukrainian banking system in 2001. Customers were able to manage their accounts online, make regular payments, transfer funds, etc.
In February 2002, PrivatBank emitted its millionth plastic card.
In 2003, the Western Union system recognized PrivatBank as the best bank in terms of customer service quality. The Bank also obtained the STP Excellence Award from Deutsche Bank, which confirmed the professionalism of PrivatBank in international settlements.
In 2009, the Bank changed its organizational and legal form to a public joint-stock company.
In June 2018, the Bank changed its organizational and legal form from a public joint-stock company to a joint-stock company.
The Bank is a universal Bank that focuses on the retail segment, actively promoting services for small and medium businesses and selectively working in the corporate sector.
There are more than 25 million people have used the services of PrivatBank at least once in their lives, which is in Ukraine. Almost 19 million Ukrainians regularly use the services of PrivatBank, and there are currently 15 million customers of Privat24 digital banking.
The majority of corporate customers are small- and medium-sized enterprises. Special attention is paid to the service of network corporations.
History of innovations
![]()
Debit card issued by PrivatBank
PrivatBank is known for its innovations. In 1999, the Bank launched SMS-banking, and in 2000, it introduced dynamic one-time OTP passwords by linking the card to a mobile phone number.
In 2001, PrivatBank launched the Privat24 digital banking system. As of June 2022, more than 15 million people use the Privat24 digital banking system.
And in 2002, the Bank introduced electronic document management.
Subsequently, PrivatBank was the first in the world to introduce P2P transfers between cards on the Internet and began mass emission of instant cards. In 2005, the Bank emitted a millionth credit plastic card.
Beginning from 2004, PrivatBank has started to make international money transfers to Ukraine using the PrivatMoney payment system.
In 2008, PrivatBank created the first iPhone application in Eastern Europe – iPay, and in 2010, PrivatBank launched mobile payment terminals.
2012 was the year of the introduction of contactless cash withdrawal via ATMs using a smartphone and a QR code.
And in 2015, PrivatBank launched the technology of instant payment via QR code.
In 2016, Visa and PrivatBank announced the launch of the Visa Token Service in Ukraine, which replaces confidential payment card information with a unique digital identifier which is a token.
The next two years were favorable for smartphone owners: in 2017, PrivatBank brought Android Pay (now Google Pay) to Ukraine, and in 2018 – Apple Pay.
2019 was marked in the history of innovations by the updated Privat24. Beyond that, FacePay24 technology – payment by face – became available to bank customers for the first time in Ukraine. The Bank also implemented a number of digital services:
In 2020, PrivatBank launched the "Money at the cash register" service that allows to receive cash at store cash registers. Besides, the Bank has the first biometric POS terminals in Ukraine.
Moreover, government services became available to customers:
In 2021, the Bank opened the first Concept Store in Ukraine – a fully digital office in Kyiv, which is informally called the branch of the future.
Main financial indicators
PrivatBank earned a profit of ₴35.050 billion according to the official data of the National Bank of Ukraine in 2021.
Below is information on the Bank’s equity, assets, and net profit for the past 15 years. More detailed financial indicators of the Bank can be found on the Bank’s website in the section About the Bank – Financial reporting.
| Year | Own capital, UAH billion (at the year-end) | Total assets, UAH billion (at the year-end) | Net profit, UAH million (in a year) |
| ——– | ————————————————– | ————————————————— | ——————————————- |
| 2021 | | 376577 | 21,212,000 (as of September) |
| 2020 | | 334570 | 24302.000 |
| 2019 | | 281637 | 32609.000 |
| 2018 | | 256100 | 12,520.000 |
| 2017 | 25.607 | 259.061 | – 22,965.913 |
| 2016 | 12.664 | 220.017 | – 135,928.838 |
| 2015 | 27.487 | 264.886 | 216.121 |
| 2014 | 22.696 | 204.585 | 749.036 |
| 2013 | 20.311 | 214.490 | 1,873.391 |
| 2012 | 18.300 | 172.428 | 1,532.760 |
| 2011 | 16.746 | 145.118 | 1,425.816 |
| 2010 | 11.879 | 113.437 | 1,370.179 |
| 2009 | 10.270 | 86.066 | 1,050.489 |
| 2008 | 8.195 | 80.165 | 1,291.776 |
| 2007 | 5.388 | 56.211 | 1,534.162 |
| 2006 | 3.288 | 33.777 | 506.208 |
| 2005 | 2.272 | 22.058 | 475.654 |
| 2004 | 1.465 | 14.713 | 164.842 |
| 2003 | 0.955 | 9.842 | 60.549 |
| 2002 | 0.549 | 6.811 | 150.879 |
| Shareowner | Percentage of shares |
| ————————————————————— | ———————— |
| The State is represented by the Cabinet of Ministers of Ukraine | 100% |
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Wikimedia Commons has media related to .
- ATMs, payment terminals, departments of PrivatBank on the map
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