Banks " This was stated by Associate Expert of CASE Ukraine Evgeny Dubogryz, who previously predicted problems for two dozen Ukrainian banks, and, in particular, foresaw the bankruptcy of Megabank and Sich, writes Focus.

" Banks also leave the market in peacetime - some do not withstand competition, some underestimate the risks. The longer the war goes on, the greater the risk of insolvency of some banks,” says the expert.

Now the situation is such that the largest banks are not threatened with insolvency, they had a large margin of safety and before February 24, many large banks even increased their operational efficiency - they reduced costs, increased the volume of net commission income, plus they earn on the moment at a high rate on NBU certificates of deposit.

That is. despite repeated concerns, the banking sector remained fairly stable and highly liquid throughout the six months of the full-scale war in Ukraine. The NBU noted that the net assets of banks for the second quarter increased by 3.3% and approached the pre-war level. Client funds remain the main source of stable funding for banks.

" Moreover, both hryvnia and foreign exchange liquidity are sufficient,"

But, according to him, the inflow of funds from the population and business to banks has slowed down, many borrowers have stopped servicing loans.. Therefore, often banks do not have much funds for lending, even within the framework of government programs.

“Threats for some banks, especially for those who have large (compared to assets) volumes of NBU refinancing, which has risen in price significantly. And for those banks that have a large share of current business accounts and household deposits on demand in their liabilities,"

He did not rule out that in the coming months there will be new bank failures..

Recall that earlier the Association of Ukrainian Banks (AUB) announced that about 20 banks are under the threat of bankruptcy, which is almost a third of the total number.. And the reason for a possible bank fall there is considered to be a record increase in the NBU discount rate from 10% to 25%.

AUB President Andrey Dubas said that before the rate increase, banks took refinancing from the NBU at 9% and invested this money in government bonds at an average of 12%. Now the National Bank will have to return the money at 27%, which will deal a strong blow.

At the same time, we recall that in early April, the Verkhovna Rada adopted a law on increasing the guaranteed amount on deposits and fully reimbursement by the Guarantee Fund of funds to depositors for the period of martial law.

That is, today the reimbursement of deposits to the population does not occur within the guaranteed amount - 200 thousand. UAH, but 100%.

This rule applies to banks, the decision to withdraw from the market will be made after the entry into force of this Law..

During the war in Ukraine, two banks were declared insolvent - "

And three months after the termination or cancellation of martial law, the guaranteed amount on deposits will be at least UAH 600,000.

It should also be recalled that many large banks are already opening deposits for customers. At the end of the placement period, funds are available in foreign currency - dollars or euros. However, there are restrictions on the amount - only 50 thousand. UAH.