Problems have been added: what happens to non -working loans from banks through war

It is noted that the volume of non -working loans increased by UAH 87 billion a year - to UAH 432 billion. "The consequences of war - the destruction of assets and mortgage property, the loss of income and the deterioration of the solvency of borrowers - reduce the ability of banks to serve loans, worsen the quality of their credit portfolios and cause increased payments to reserves," the NBU explained. The NBU added that significant credit losses are declared in the banks themselves.

According to the regulator, since the beginning of the full -scale war, the volumes of deductions to reserves for loans have exceeded UAH 100 billion and account for more than 12% of the loan portfolio that banks had in late February last year. The NPL coverage ratio (the ratio of all reserves for loans to NPL) was 95%at the end of 2022. "NPL volumes will continue to grow.

We expect banks in a valuable approach to credit risk valuation, especially for borrowers who have lost their income and are not able to restore loans," - said NBU first deputy head Kateryna Rozhkova. At the same time, until February 24, 2022, Ukraine had a tendency to gradually reduce the share of non -working banks.

It all started in 2018, and by the moment of invasion of Russian troops, the volume of NPL decreased by almost UAH 300 billion, and the share in the credit portfolio decreased from 55% to 27%. According to the Openatable Platform, as of the end of December 2022, the profit of Ukrainian banks decreased more than five times. The reason is a full -scale war with Russia.

According to analysts estimates, out of 67 Ukrainian banks almost a third - 21 banks - completed the period with a loss of UAH 19 billion. The total profit of banks with a "plus" balance for 10 months of 2022 amounted to UAH 30 billion. The share of banks with foreign capital decreased from 31%to 26. 1%, and banks with private capital remained 11. 6%, while in 2021 there were 18%. Earlier, focus told how stable Ukrainian banks are and whether they are ready to save customers during the war.