Ukraine Banking Sector Analysis (2007-2008)

Table of Contents

1. Analyst View

2. Research Overview

3. Worldwide Banking Industry

• 3.1 By Assets
• 3.2 By Deposits
• 3.3 By Loans
• 3.4 Banking Industry Forecast (2007-2011)

4. Eastern European Banking Industry

• 4.1 By Assets
• 4.2 By Deposits
• 4.3 By Loans
• 4.4 By Net Interest Income

5. Ukrainian Banking Industry

• 5.1 Six Stages of Banking System Development
• 5.2 Types of Banks
  • 5.2.1 The Central Bank - National Bank of Ukraine
  • 5.2.2 Commercial Banks
    • 5.2.2.1 Breakup of Commercial Banks
    • 5.2.2.2 State Owned Banks
    • 5.2.2.3 Foreign Banks

6. Banking Industry Performance

• 6.1 By Deposits
  • 6.1.1 Current Account Deposits
  • 6.1.2 Time & Savings Deposits
• 6.2 By Loans
• 6.3 By Payment Instruments
  • 6.3.1 Payment Cards
  • 6.3.2 ATMs
• 6.4 By Income & Expenses
  • 6.4.1 Income
    • 6.4.1.1 Net Interest Income
  • 6.4.2 Expenses

7. Industry Drivers

• 7.1 Increase in Employment
• 7.2 Growth in GDP
• 7.3 Increase in Foreign Investment
• 7.4 Increase in Per Head Disposable Income
• 7.5 Economic Liberalization
• 7.6 First Ukrainian International Bank (FUIB)
• 7.7 High Return on Investment
• 7.8 Business Freedom

8. Opportunities & Challenges

• 8.1 Opportunities
  • 8.1.1 Growth Potential in Retail Loans & Deposits Areas
  • 8.1.2 Possibility of Mergers & Acquisition in Future
  • 8.1.3 Rising Foreign Interest
  • 8.1.4 Potential in Cards' Market
  • 8.1.5 Increasing Foreign Ownership
  • 8.1.6 Bancassurance
• 8.2 Challenges
  • 8.2.1 Basel II Accord
  • 8.2.2 Consolidation in Ukraine Banking - Threat for Small Banks
  • 8.2.3 Decreasing Population
  • 8.2.4 Short Liabilities & Investment in Long Assets

9. Future Outlook (2007-2011)

• 9.1 Current Account Deposits Forecast (2007-2011)
• 9.2 Time & Savings Deposits Forecast (2007-2011)
• 9.3 Bank Loans Forecast (2007-2011)
• 9.4 Net Interest Income Forecast (2007-2011)

10. Competitive Landscape

11. Major Industry Players

• 11.1 PrivatBank
• 11.2 Raiffeisen Bank Aval
• 11.3 Ukrsotsbank
• 11.4 UkrSibbank
• 11.5 State Export-Import Bank

12. Annexure

• 12.1 Government Regulations for Establishment of Banks
• 12.2 Registration & Licensing of Banks
• 12.3 Branches & Representative Offices of Banks
• 12.4 Core Principles for Effective Banking Supervision
• 12.5 Calendar of Events (Jan 2006-Dec 2006)

List of Figures:

• Figure 3-1: Worldwide - Bank Assets (in Trillion US$), 2002-2006
• Figure 3-2: Worldwide - Bank Deposits (in Trillion US$), 2002-2006
• Figure 3-3: Worldwide - Bank Loans (in Trillion US$), 2002-2006
• Figure 3-4: Worldwide - Forecast for Bank Assets (in Trillion US$), 2007-2011
• Figure 3-5: Worldwide - Forecast for Bank Deposits (in Trillion US$), 2007-2011
• Figure 3-6: Worldwide - Forecast for Bank Loans (in Trillion US$), 2007-2011
• Figure 4-1: Eastern Europe - Bank Assets (in Billion US$), 2001-2006E
• Figure 4-2: Eastern Europe - Bank Deposits (in Billion US$), 2001-2006E
• Figure 4-3: Eastern Europe - Bank Loans (in Billion US$), 2001-2006E
• Figure 4-4: Eastern Europe - Net Interest Income (in Billion US$), 2001-2006E
• Figure 5-1: Ukraine - Bank Assets (in Billion US$), 2001-2006E
• Figure 6-1: Ukraine - Current Account Deposits (in Billion US$), 2001-2006E
• Figure 6-2: Ukraine - Time & Savings Deposits (in Billion US$), 2001-2006E
• Figure 6-3: Ukraine - Bank Loans (in Million US$), 2001-2006E
• Figure 6-4: Ukraine - Number of Payment Cards (in Thousand), 2005 & 2006
• Figure 6-5: Ukraine - Number of ATMs, Payment Terminals & Imprinters (2005 & 2006)
• Figure 6-6: Ukraine - Breakup of Bank Income (%), 2005
• Figure 6-7: Ukraine - Net Interest Income (in Million US$), 2001-2006E
• Figure 6-8: Ukraine - Breakup of Bank Expenses (%), 2005
• Figure 7-1: Ukraine - Employment Growth (in Million), 2001-2006E
• Figure 7-2: Ukraine - Forecast for Employment Growth (in Million), 2007-2011
• Figure 7-3: Ukraine - Share of Foreign Assets in Banking Sector (%), 2001-2005 & July 2006
• Figure 7-4: Ukraine - Per Head Disposable Income (in US$), 2001-2006E
• Figure 7-5: Ukraine - Forecast for Per Head Disposable Income (in US$), 2007-2011
• Figure 8-1: Ukraine - Population Growth (in Million), 2001-2006
• Figure 8-2: Ukraine - Forecast for Population Growth (in Million), 2007-2011
• Figure 9-1: Ukraine - Forecast for Current Account Deposits (in Billion US$), 2007-2011
• Figure 9-2: Ukraine - Forecast for Time & Savings Deposits (in Billion US$) 2007-2011
• Figure 9-3: Ukraine - Forecast for Bank Loans (in Billion US$), 2007-2011
• Figure 9-4: Ukraine - Forecast for Net Interest Income (in Billion US$), 2007-2011
• Figure 10-1: Ukraine - Market Share of Major Players by Assets (%), Dec 2006

List of Tables:

• Table 5-1: Ukraine - Top 10 Commercial Banks by Assets (in Million UAH), 2006
• Table 5-2: Ukraine - Breakup of Commercial Banks by Ownership (March 2007)
• Table 5-3: Ukraine - Top 10 Foreign Banks by Assets (in Million US$), June 2006
• Table 10-1: Ukraine - Market Share of Major Players by Retail Deposits & Retail Loans (%), Oct 2005
• Table 10-2: Ukraine - Market Share of Major Players by Corporate Deposits & Corporate Loans (%), Oct 2005
• Table 11-1: PrivatBank - Key Financials (in Thousand UAH), 2004, 2005 & Nov 2006
• Table 11-2: Raiffeisen Bank Aval - Key Financials (in Thousand UAH), 2003 & 2004
• Table 11-3: Ukrsotsbank - Key Financials (in Thousand UAH), 2004, 2005 & Nov 2006
• Table 11-4: UkrSibbank - Key Financials (in Thousand UAH), 2004, 2005 & Nov 2006
• Table 11-5: State Export-Import Bank - Key Financials (in Thousand UAH), 2004, 2005 & Nov 2006