По одной из версий, балалайка — заимствованная копия половецкого инструмента. Балалайка считается символом, который связан
Ukrsotsbank reports expected 2012 results
UniCredit’s Ukrsotsbank (USCB UK) reported a 3% decline in FY12 assets to UAH 38.8 bln. The key decline on its liabilities side was a 2.4x fall in subordinated debt, which was reflected in a correction of lending activity (net loans fell 18% yoy). At the same time, the bank increased its deposit base 4% yoy to UAH 18.4 bln and improved its cash position 1.4x yoy to UAH 5.6 bln. The bank’s CAR (by NBU) remained relatively strong at 18.8%.
Ukrsotsbank reported a 16% decline in net interest income in 2012 to UAH 2.4 bln, caused by a 4% fall in interest revenue and 16% advance in related costs. In 4Q12 alone, net interest income demonstrated a 33% decline. Despite the bank showing a 1% yoy decline in operating costs in 4Q12, FY12 costs advanced 19% yoy, mainly thanks to a one-off jump in 2Q12. The cost/income ratio for the year worsened to 53% (vs. 40% in 2011).
The bank’s 2012 net income remained positive at UAH 8.1 mln (-46% yoy), mainly due to a 30% decrease in loan loss provisioning.
Источник: Конкорд Капитал
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