By Natali Moss
Since the beginning of the year, banks have formed reserves of UAH 99. 0 billion, of which in March - September - 93. 3 billion UAH. The operational activity of financial institutions remains positive: net operational profit to deductions in reserves has increased for nine months by 78% p/g. This indicates the orientation of banks' business models to profit, taking into account the risks.
"Keeping operating profitability will allow most banks to restore capital independently after passing the current crisis," - said the head of the National Bank Andriy Pyshny. In January - June 2022, according to the NBU, 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 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 loan rates. This has led to a sharp reduction in interest income in the retail segment. *The NBU data we will remind that on August 9 the NBU Board made a decision on the classification of JSC "Bank Sich" to the category of insolvent.
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