FCBU is created as a national institution aimed at decreasing the credit risks on the financial market and at extending the access to credits of the all the levels of the population. FCBU is Private Joint Stock Company which includes Association of Ukrainian banks, 33 banks, 2 insurance companies, leasing company and CreditInfo Group. These 33 banks include the biggest banks of Ukraine, which are leaders on the credit retail market. Foreign experts estimated the market share of FCBU to exceed 70%.