In the environment of a booming retail lending business, the bank, which is privately held by local investors, has successfully managed to be among such heavyweights as RZB Aval, BNP Paribas and OTP.
Since its inception, the bank has served private entrepreneurs, SMEs and private individuals, providing them with services (at that time) such as credit cards (VISA, Eurocard/MasterCard, Diners Club), cash payments for home utilities bills, etc.
At the end of the 1990s, the bank started its regional expansion by opening offices in key oblast centers and towns.
By February 2007, the network was extended to 520 offices in all 24 oblasts of the country and in the Autonomous Republic of Crimea.
The bank's client base consists of 40,000 business entities and over two million retail customers.