Bankruptcy will: How many Ukrainian banks can "fall" through war and blackout

Since, in addition to limited customer service, electricity shutdown leads to an increase in NPL-the volume of non-working loans, since business clients are forced to restrict their activities (if not stopped) in light, and therefore, more and more companies will delay payments on loans. Provoked by NPL growth. For their part, the growth of problematic debt will affect both banks' income and their need for capital. Focus writes about it in the new article "Money in Dark.

How stable banks are and whether they are ready to save customers. " "Due to the deterioration of the economy, banks have liquidity risks, risks of a business model. Or easier-risks that will not be funds for payments with depositors. Risks that banks will not be able to earn enough to cover operating expenses in the future,"- The associate expert CASE Ukraine Eugene Dubogriz notes.

Despite the sufficient level of liquidity in the system, experts say that there are weak banks on the market, which in the future can be withdrawn from the National Bank from the market (ie, recognized as insolvent). According to Eugene Dubogriz, it can be banks with poor operating efficiency. "Those who have CIR (Cost to Income Ratio, ratio of operating expenses to operating income) as a result of 9 months more than 75%. These are up to 20 out of 68.

They are hardly all under threat of withdrawal from the market. ", - said Eugene Dubogriz. Therefore, the new bankruptcy of banks in 2022 and the first half of 2023 are definitely not excluded. UNEX Bank manager Ivan Svitek believes that up to 20 banks can be removed from the market in Ukraine. "If we want to quickly go to stable economic development after victory in the war, we need to save the banking system.

It is possible that up to 20 financial institutions will leave the market, but we cannot allow large losses," - said the chairman . We will remind, the NBU reported that, despite the continuation of energy terror and mass missile strikes on the civil critical infrastructure of Ukraine, the banking system retains stability. "Payment cards are serviced, non -cash payments operate in full -time mode. Citizens' access to their funds is provided, in particular, through working ATMs and cash desks.