To stand and go into profit. As Ukraine banks keep the economy during the war

This period is determined hryvnia deposits. Net assets approached the pre -war level primarily thanks to the funds in other banks and investing in the NBU's deposit certificates, " - said in the Banking Sector of the National Bank of Ukraine. Focus found out what Ukrainian banks live, and how favorable the conditions for deposits are offered to clients. In January-June 2022, banks demonstrated a negative financial result in the amount of UAH 4. 6 billion.

In the second quarter, the net loss of the sector reached almost UAH 4. 5 billion. The NBU reported this. According to the regulator, the growth rate of net interest income slowed from 35% in January-February to 19% in March-June in annual calculation. All major banks offered borrowers "credit holidays", some financial institutions temporarily reduced consumer loans. This has led to a sharp reduction in interest income in the retail segment.

"The operating result of banks remained positive: net operational profit for deductions in reserves as a result of the second quarter amounted to UAH 33. 5 billion, compared from UAH 23. 5 billion in the second quarter of 2021," - explained NBU experts. And they add: the profit of banks "ate" significant amounts of deductions to reserves: for expected losses through the war banks formed reserves by UAH 57. 9 billion, of which in March-June-by UAH 52. 1 billion.

"The implementation of credit risk as a result of a full-scale war has led to the loss of the banking sector for the first time in the last five years. Reserves for credit losses will continue to continue. In order to maintain operating efficiency, banks must adapt their business models to work in crisis and properly show Financial indicators for maintaining the financial stability of the banking sector, " - said the Deputy Chairman of the National Bank of Ukraine Yaroslav Matuzka.

However, as a result of the six months, 47 banks out of 68 made a profit. The net profit of such banks has reached UAH 10 billion. Banks say they continue to look for profit. "Despite the difficult situation in the country, Cominbank has reached quite high performance in its activities. In the first half of 2022, the bank received a profit of UAH 60. 9 million, which included in the top 20 most profitable banks.

Starting on February 24, Cominbank has made repayment of refinancing The National Bank of Ukraine in the amount of UAH 2. 6 billion. Also, according to the results of the first half of 2022, the rating agency "Standard-rating" increased the long-term credit rating of the bank to the maximum possible level-"UAAAA", and the portal of the Ministry of Finance included the bank in the top 20 most strong banks of Ukraine.

", - Dmitry Ovsyannikov, Deputy Chairman of the Board of Cominbank, said in a comment. Experts are convinced that the current losses of banks are, in fact, a very good situation in the banking sector itself. "The net loss of the sector is UAH 4. 6 billion. It is just very small. There is a good word" surprisingly ", it is worth using it - surprisingly little," says CASE expert Eugene Dubogriz says. *NBU data one of the most important events of the financial sector occurred in June.

The NBU then raised the discount rate from 10% to 25% per annum. This is a certain market signal that the cost of resources in the market is growing. As focus wrote earlier, banks reported that due to the change in the discount rate there will be a growth of rates on deposits for individuals.

The Analyst of the Strategic Development of the Bank "South" Konstantin Khvedchuk in a comment to Focus reported that deposits for the population are unlikely to approach the discount rate due to the stable profile of the liquidity of the banking system, and not all banks will set deposit rates about 22-25% per annum.

"There will be little such, because it is unclear how long the NBU will keep the discount rate at high levels, it is likely that in a few months the cycle of its decrease will begin," - said Konstantin Khvedchuk. As a result, two months after the National Bank's discount rate increases, many banks of Ukraine remain extremely low. For example, the state Privatbank and Savings Bank on a six-month deposit rate in UAH-5.

5% per annum, the same rate in the OTP Bank, Credit Agricole Bank and Praxox Bank, and PUMB and Kredobank-7% per annum. But there are banks on the market that offers more favorable conditions. For example, in the bank loan Dnipro rate on a six -month deposit - 13% per annum, and in Cominbank (KIB) - 17. 25% per annum. No. Bank Deposit for 3 months, rate,% annual contributions for 6 months, rate,% annual contributions for 12 months, rate,% annual 1 PrivatBank 4. 50% 5. 50% 6% 2 Savings Bank 4. 50% 5.

50 % 6% 3 Alfa-Bank 14% 14% 14% 4 OTP Bank 5. 25% 5. 50% 5. 50% 5 Credit Agricole Bank 5. 00% 5. 50% 6. 00% 6 PUMB 6,50% 7. 00% 8. 00% 7 Credobank 10. 00% 7. 00% 8. 00% 8 Pravex Bank 5. 50% 5. 50% 6. 00% 9 Piraeus Bank 9. 00% 10. 00% 10 , 00% 10 forward bank 11. 60% 8. 40% 8. 50% 11 COMINBANK (KIB) 7% 17. 25% 18. 25% 12 BANK CREDIT Dnipro 12% 13% 5% 13 A-Bank 10% 10% 10 , 25% 9. 50% 14 Universal Bank (Monobank) 4. 50% 6% 7% 15 East 10% 11% 8.

50% Source: Data of banks on August 22, 2022 at the beginning of the war most banks were in a situation of uncertainty and Risk growth. However, despite the difficulties, the business processes of banks continued to work even in extreme conditions, and decisions were made instantly and around the clock.

"The Kominbank actually began to work within the framework of the work -renewed plan from the first day of the war - the work of the relevant working groups has been collected and started, operational work plans have been developed, the main further steps have been identified. Now the bank continues to work and implement the developed plans that promptly refine They are corrected in accordance with the current situation on the market.

Of course, after February 24, the planning horizon narrowed as much as possible - in fact the planning is almost online, " - explains the deputy chairman of the board of Cominbank Dmitry Ovsyannikov. According to Dmitry Ovsyannikov, the bank managed to expand the regional presence, which is connected with the need to be where the customers of the bank are located.

"There is now a situation where horizontal ties in the Ukrainian economy have become of great importance, in addition, significant business migration within the country has taken place and continues. Cominbank understands these trends and seeks to be closer to its clients, support the domestic business. Since the beginning of the year The bank has increased the network of its regional units to 14 universal branches, ”says Dmitry Ovsyannikov.

The war became a test, in particular, for bank employees. After all, at the end of February-March, many Ukrainians migrated in the country, and some went to evacuation abroad. This influenced the human resources of banks. However, with the task of restoring full work in the departments, the banks were also able to cope. "Cominbank mobilized as quickly as possible and resumed the work of the vast majority of regional branches and employees of the bank.

Our basic principle - employees should be in their workplaces and be included as much as possible in work with clients. Since the beginning of April, the bank has resumed work of all branches in the regions in which it is It was possible to do on the basis of safety reasons. Employees work in offices, hold personal meetings with clients and partners, " - said Dmitry Ovsyannikov. The first half of a year of military 2022 Ukrainian banks went quite well, experts say.

But the main thing is that banks will overcome possible difficulties in the second half of 2022, because, unfortunately, the war continues to influence everyone, and banks are no exception. However, Focus banks reported that the plans have already been built, and the tasks are completely clear and already at the stage of implementation. "One of the main tasks for the Bank is the gradual repayment of the NBU refinancing.

As of September 14, 2022, the amount of fulfilled obligations on refinance was UAH 2. 6 billion, and by the end of this year the bank plans to repay all the obligations for refinancing. Cominbank also Plans to continue the expansion and development of the regional network of branches.