Lose billions: loss of banks from war and blackout will exceed 100 billion UAH

This, in particular, is stated in the new focus article "Money in Dark. How stable banks are and whether they are ready to save customers' money. " According to the Deputy Chairman of the Board of the Bank "Southern" Maxim Tsymbal, the deterioration of the quality of credit portfolios of banks of Ukraine is a consequence of a deep economic crisis. "Banks from June 2022 began the gradual recognition of NPL. In total, the NPL system increased by 26.

7% at the beginning of the war and as of October 1, 20122 is 33. 6%," Maxim Tsymbal says. The CASE Ukraine associated expert Yevgeny Dubogriz is convinced that, according to the most optimistic assessment, the level of banks from the war will reach UAH 250 billion. "So far, banks have recognized only less than 100 billion UAH of credit losses (having formed the corresponding reserves). It is clear one thing: the losses of banks are extremely large.

And those standards that were before the war meets the units of banks - only the most reliable," - - - - - The expert says. Dubogriz stressed that for banks now the main thing is to have sufficient liquidity. "Because, to speak directly, almost all banks are now" insolvent in peacetime, "that is, they do not have enough capital stock that banks need in peacetime. But for that capital is needed - to be able to cope with shocks, such as as as war. Banks have coped.

Now, the restoration of capital, which fulfilled its main function, will take years and more flexible regulations from the NBU, " - said the interlocutor of the focus. Eugene Dubogriz predicts: NPL will grow and grow further. "The volumes of non -working loans since the beginning of the year have increased by UAH 54 billion or 16%.

Banks are very reluctant to recognize loans by working, although they often confess that they do not know the real financial condition and prospects of many of their borrowers - by NBU regulation to be considered NPL. But banks, with rare exceptions, formally refer to requirements for assessment of credit risks and work with problematic assets, wishing to "pull to the latter" with recognition of losses, " - says Yevgeny Dubogriz.