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Platinum Bank Checks Automatically Credit Histories and Passport Details

Platinum Bank, jointly with First Credit Bureau of Ukraine, implemented a project of checking automatically credit histories and passport details of prospect borrowers against FCBU’s databases and lost passport databases of the Ministry of Internal Affairs which project is completely new for Ukraine.

Checking against the above databases is carried out online upon the receipt of a loan application and makes it possible to recheck the passport details of prospect customers (lawfulness of issue, whether or not the passport was lost/stolen), as well as to analyze a customer’s financial position if he/she has received already loans from other banks when applying for a new loan.

Andrey Ignatov, Head of the Operational Risk Department of Platinum Bank, noted that: “For the time being, such an automated verification of our customers’ details is a unique for the banking market. This project enables the customers to be protected additionally against any illegal use of their passports, speedups significantly the process of evaluating a financial position of a prospect customer, and ensures both good and prompt loan decision making. Already now, the implementation of such a project enables us to save around UAH400 thou of our depositors monthly.”

Antonina Palamarchuk, Chairman of the First Credit Bureau of Ukraine, emphasized that: “The situation in the lending market has shown the necessity of a more careful check of a borrower. Platinum Bank approaches to work on credit risk reduction with a great responsibility and integrates effectively information from the credit bureau in loan making processes.”

First Credit Bureau of Ukraine provides information and solutions for credit risk management with coverage throughout Ukraine. In 2008, there were created engineering conditions for processing data of credit histories while taking account of banking system needs with providing banks online with a broad spectrum of services.

Bank Profile:
Platinum Bank
( (operating formerly under such brands as IMB Group, International Mortgage Bank, and Family Credit) offers deposits and loan products to individuals through its network of outlets and points of sales throughout Ukraine. As at January 01, 2009, Platinum Bank’s consolidated assets were UAH1.4 billion. Platinum Bank ranks the first among the Ukrainian banks in terms of capitalization (the consolidated share capital / assets ratio) and the 34th in terms of consolidated share capital. The main shareholders of Platinum Bank include international management companies Horizon Capital, East Capital and IFC (a member of the World Bank Group).

Bureau Profile:
First Credit Bureau of Ukraine
( was founded by the banking system of Ukraine in July 2005 in order to reduce the risk of lending activities. The Bureau provides information and solutions for credit risk management, operates on-line, and enjoys the confidence of the market. Regional coverage is all of Ukraine. The partners of Bureau include 51 banks including the biggest systemic banks of Ukraine such as UkrSibBank, Raiffeisen Bank Aval, Ukrsotsbank, UkrEximbank and others, insurance and leasing companies, credit unions. The database of Bureau reflects information on all lending products of the banking sector such as consumer loans, mortgages, car loans, lending for SME and legal entities.


For Your Reference:
Platinum Bank is one of the biggest players in the national banking system. It belongs to the 1st Group of Banks according to the rating of the National Bank of Ukraine (over 0.5% of assets of the Banking System of Ukraine). Its regional network includes 69 branches and 1080 points of sales in various regions of Ukraine.
One of the top strategic priorities of Platinum Bank is transactional business. In 2016 Platinum Bank became one of the leaders in crediting for individuals among Ukrainian banks. It is also one of the annual leaders on the market in consumer credit segment.
Also, Platinum Bank is actively working on its Digital Bank project. Among others, it actively develops its platform and Platinum Lab – a lab of financial innovations.
At the same time Platinum Bank actively engages more and more corporate clients, first and foremost in distribution and IT business.
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