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Thus, CASE Ukraine Associate Expert, former Deputy Director of the NBU Financial Stability Department Yevhen Dubogryz believes that AUB meant private banks, which have the largest share of NBU refinancing in all funding.

“No one knows which bank has which loans and which collateral, this is confidential information.. There are, for example, regional banks, for example, Metabank, head office in Zaporozhye. To whom he issued loans, no one knows, Zaporozhye is next to the front,"

At the same time, it is possible to calculate quite a few institutions that have a large share of liabilities to the regulator and promptly raised interest on deposits as of May 1. That is, these are the banks that now really need money to quickly repay their refinance loans..

In their list, according to the expert, were:.

RVS Bank (RwS bank);

CIB (ComInBank);

Vanguard;

Bank Sich;

Industrialbank;

Crystalbank;

Sky Bank;

Alliance;

MTB Bank;

\;

Radabank;

Creditwest bank;

the globe;

Motor Bank;

Ukrbudinvestbank;

AP Bank (Agroprosperis Bank);

Taskombank.

This does not mean at all that all these financial institutions or even several of them will become bankrupt, but it indicates that after raising the discount rate they began to have difficulties with income, and in a war this can turn into big problems..

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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 they consider the record increase in the NBU discount rate from 10% to 25% to be the reason for a possible bank fall..

AUB President Andriy 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.

We also recall that in early April, the Verkhovna Rada adopted a law on increasing the guaranteed amount on deposits and full reimbursement by the Guarantee Fund of funds to depositors for the period of martial law.

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That is, today the reimbursement of deposits to the population is not within the guaranteed amount - UAH 200,000, but by 100%.

This provision shall apply to banks, decisions on withdrawal from the market of which will be made after the entry into force of this Law..

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

Megabank was declared insolvent in Ukraine on June 3.

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As of March 1, 2022, the Deposit Guarantee Fund paid UAH 95.7 billion to depositors of insolvent banks.

During 2014-2016, in order to ensure the payment of guaranteed compensation, the Fund attracted loans from the Ministry of Finance and the National Bank for a total amount of about 80 billion. UAH. The cost of borrowings ranged from 9.99 to 14%.

To date, the Fund has fully settled with the NBU, having paid UAH 25.6 billion, of which UAH 5.5 billion is accrued interest. He also transferred UAH 21.7 billion to the Ministry of Finance (including ahead of schedule), of which UAH 7.9 billion is interest. The balance of the Fund's debt obligations is UAH 108.3 billion - UAH 45.7 billion at the face value of promissory notes, on which the Fund must pay UAH 62.5 billion of interest by the end of 2031.

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Approximately two-thirds of Ukrainian banks report an increase in deposits of Ukrainian citizens. And this despite the fact that the size of the deposit rate since the beginning of the war in Ukraine has been decreasing by about 1% every month.. At the same time, the banks themselves now simply do not need depositors' money, since there is practically nowhere to invest them, writes in his article for ZN. UA "