At the moment, in the total volume of bank loans issued to households in Ukraine (amounting to more than 160 billion UAH), almost one third of loans are not serviced, the lawyer Andrei Vigirinsky.
In his article for ZN. UA author indicates that according to the NBU, in 2016, gross bank loans to non-financial corporations amounted to UAH 993.6 billion, and to households - to 156.1 billion, t. Only about one sixth of the corporate indicator. The volume of the latter indicator has been constantly decreasing lately.
The quality of loan portfolios, moreover, remains useless even for solvent banks, moreover, it continues to deteriorate.
"If at the beginning of 2014 g. The share of non-performing loans did not reach 20%, then over the past three years, this figure rose to more than 30%, even according to official statistics. And given the widespread practice of concealing / embellishing by banks the real state of affairs, it is likely that this is not the final indicator, "the expert notes..
"As noted in the" NBU Financial Stability Report ":" There remains a significant gap in the recognized problem loans between banks I and II groups (13% of the portfolio) and banks with foreign capital (38% of the portfolio). This shows that some banks with Ukrainian capital are slow with the recognition of loans as problematic and appropriate formation of reserves, "reads the article.
It is indicated that the diagnostic examination of banks and the entry into force of new rules for assessing credit risk from the beginning of 2017 will prompt banks to display a "real picture of the quality of assets".
"Given the above proportions, we can assume that in the total volume of household loans (at UAH 160.
5 billion), loans for the amount of at least UAH 50 billion are not serviced (and, we will recall, only for solvent banks)," concludes Vigirinsky.
The author points out that the draft law of Ukraine "On Restructuring the Debt of a Physical Person or Recognizing it as a Bankrupt" for the second year has been wandering around the lobby of the parliament, which, according to the explanatory note, should bring "a win to the banks by clearing their balances from" the dead " Debts and keeping their customers among active participants in consumer lending ".