The main turn for Concord bank began in 2012 when the main beneficiaries for the bank became Elena Sosyedka and Yulia Sosyedka, who started its progressive growth. In short five years, 11 office branches were opened up; 3 in Dnipro, 2 in Kiev, 2 in Odessa, Lviv, Krivoy Rog, Zaporozgie and Kharkov. The bank became a participant of the Deposit Guarantee Fund of individuals, an associated member of the international payment system Visa International, First bank in Ukraine among small bank who received a principled membership of MasterCard, became a member of the independent association of banks of Ukraine, Professional association of market capital and derivatives participants. In 2016 the shareholders created a processing center “Procard”, which makes Concord bank totally independent in everything – from issuing super payment cards to setting POS terminals, from providing the most sophisticated bonus systems to super-fast payments. And since then, department stores and other banks are coming to “Procard” specifically for those reasons. Also, in 2016 the bank launched its own online-banking system icON25 and its Android and iOS versions, which so far is the only one in Ukraine allows the clients for pay for utilities, cell-phone, TV and internet without any commission.