By Eliza Popova
The total amount of non -working loans is UAH 435. 3 billion. The majority - UAH 326 billion - accounts for banks with a state share of participation. It is emphasized that the share of such loans in Ukrainian banks in Ukraine was steadily declining from 55% to 27% as of March 1, 2022, and the loan portfolio - increased from 55% to 27% to 27% as of March 1, 2022. It is a loan by which the borrower does not fulfill the terms of the contract.
Such a service as lending provides that a bank or other credit institution will receive financial benefits. It is that clients for the use of loans are accrued on a monthly basis. As a rule, banks have two ways: to sue the debtor in court or to sell debt to external collectors: in March 2023, private executors could also block debtors accounts in March 2023.
"In recent years, the state has significantly improved the judicial penalty: the institute of private executors has emerged and an automatic system of blocking debtors. It is not only an opportunity to officially repay the credit funds to the bank, but also to improve their own image and the level of trust from the NBU," the analysts say. The NBU reported that in 2022 banks issued 2009 mortgages, and their total amount amounted to UAH 1. 96 billion.
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