Act provides several options for development around the banks of the interim administration (BA).
troubled banks may be attracted investors' funds, as in the case of Prominvestbank, they can be redeemed state, as the Ukrgasbank, Rodovid Bank and Kiev , or eliminated as the bank Black or Odessa Bank , - says Director of Retail Business Department, BTA Bank Alexander centurion.
It is clear that the fate of 3 recapitalize banks solved - they will live. But the fate of the remaining 13-ty yet solved.
Some of them will be eliminated. For example, at the end of last week, the NBU announced the elimination of Odessa-Bank. It is possible that banks will be eliminated European, national standard and Vladimir, which connects one word shareholder.
We have got a suspicion that if the main shareholder, one by one takes the National Bank of Ukraine at the mercy of their banks, nothing good in it is not, and hardly anyone wants to save these banks. But there are among these 13-ty banks and those who have already found new investors and negotiated sales. Such a fate, for example, expects the banks' credit to the National and Arma - the National Bank of Ukraine has approved a new investment bank.
Regarding Ukrprombank, the MOF announced the elimination of finuchrezhdeniya. NBU has proposed a scheme of transfer of deposits Cabinet in Oschadbank (and increase by the same amount of capital of the State Bank).
need for such a scheme due to the fact that the Guarantee Fund may not be enough money to accounts with the bank depositors' Ukrprombank - in the Fund to date total 4.53 bln, while the debts of the bank in front of natural persons - about 6.9 billion So, investors should not despair: the money they will still be returned.
The fate of the bank Nadra entirely in the hands of the Government. According to experts, the finuchrezhdeniya is likely to receive support from the state.
We expect that the State will make every effort to recapitalize the bank, - says the analyst of investment-banking department Astrum Investment Management Vladislav Crickley.
Experts believe that the Government will not abandon recapitalize the bank Nadra, because it has a more stable financial condition than the Ukrprombank, and it was more of living loans for the repayment of which the bank continues to pay depositors.
Will the Fund to guarantee the money to pay depositors in case of liquidation of several banks?
interviewed experts believe that, despite the fact that the Fund's accumulated total 4.53 bln. and the banks with the VA is about 28 billion, the problems of the investors will not.
Assuming that the bank Nadra still receives support from the state, and the deposits of natural persons Ukrprombank with its liquidation will be transferred to the Oschadbank, the Fund will be to settle with investors, only 12 banks (16 banks with a BA less Nadra Ukrprombank and 3-capitalized banks, but in view of the liquidated Odesa-Bank) to be its depositors 4,7 bln. Given that the fund covers only up to 150 ths., the money should be sufficient, - said Vladislav Crickley.
In an extreme case, the Fund will take advantage of the support of the National Bank of Ukraine: National Bank in June approved the procedure of credit Guarantee Fund, if that is not enough money for the settlement with investors.
today to choose the bank to store the deposit?
Whereas previously, we chose the banks profitability, rate of growth of deposits and loans, but today the results of the analysis finuchrezhdeny without special training is useless.
For example, many banks now show losses, but experts say that this does not indicate that they are on the verge of bankruptcy.
Sometimes profitable bank is in a worse situation than that which is showing losses, - deputy chairman of the board is confident Erste Bank Svetlana Cherkay.
At present, all banks are faced with the challenge of reducing income and, moreover, had to build bigger than before, the level of reserves for loans, as well as an increase in the number of no return.
Hence the losses, the bank can operate stably and time deposits issued. Also, do not rely and ratings: the rating agencies can not deliver the bank a higher assessment rather than country.
But to choose the bank is still possible. And, perhaps, the only reference point for determining the stability of its work - it is the shareholders. After all, what will the bank live depends on whether the shareholders have the opportunity to support his life.
lowest risk for today have deposits in state banks, including the recently nationalized, and in most large banks with foreign capital, - said economist Andrew Concorde Capital Investment Parchomenko.
Secret of the reliability of state bank - in public financial support.
Fortress of foreign banks is due to fueled by the parent banks and stockpiling of liquidity, - explained the chairman of the board of OTP Bank Dmitry Zinc.
But whatever bank you choose, you still need to keep your finger on the pulse. If you chose to bank with foreign capital, it is necessary to monitor how a mother feels a bank abroad.
If you choose the bank owns a large financial-industrial group, learn how it feels. Well - it is possible for a while to trust that the bank money. As soon as you have bad news, pick up money from the bank. And, of course, before you open a deposit, take a look at the forums, reviews, in particular, do not delay payment of the bank deposits today.
Banks today are taking deposits for higher interest rates than before the crisis. At today than they earn, what can they pay?
Over the past year, the sources of bank revenue to redraw. Thus, according to the NBU, if last year's interest income (in fact, payments on loans) accounted for approximately 75% of total banking revenues, but today - about 85%.
That is, in fact, banks have been earning less on the exchange rate, make payments and money transfers, service cards, and live mostly at the expense of repayment of old loans.
This forces many banks to reduce costs by closing branches and offices, and dismissal of staff.
But most importantly, that the banks almost nowhere to get money to restore liquidity, and higher rates on deposits (up to 25% in UAH and up to 15-16% in foreign currency) - almost the only way to attract resources.
A small hole in the banks' increasing liquidity. They see that money, in principle, but a month later they will have nothing to pay investors, here and take a percentage above average, - said Vitaly Shapran.
risks of investments in this case are high, which is why we have long advised not to make deposits in banks are offering very high interest rates, preferring to average rates - up to 18-21% pa in UAH, up to 12-13% in dollars and euros.
today are increasingly saying that the fall of us waiting for a second wave of the crisis. Does it suffer from the banks? What will happen to the deposits?
experts confirmed that the probability of a second wave of crisis, the fall is great.
Unfortunately, the economic and political situation in Ukraine is not improving, so the projections for the fall really poor, - says Svetlana Cherkay.
The situation in the economy and the banking sector will depend largely on the stability of rate hryvnia. If the spike rate is not, the situation will continue at the current level, otherwise you can expect deterioration in the quality of bank loan portfolios and, as a consequence, the solvency of a number of banks , - said Dragon Capital Investment analyst Vitaly Vavrischuk.
Some banks may also have problems with repayment of foreign debts, - said Dmitry Zinc. Such complexity may well be at risk and the contributions of the population.
Autumn really have problems, especially for those banks that attract deposits at very high interest, - said Victoria Kernesh.
There is a sort of pyramid: tomorrow to settle on the open today, deposits are expensive, they will attract more money and so on the rise.
Naturally, that in a crisis to boost the volume of attracted deposits will not be able to all, and this will have problems.
Obviously, the more banks prefer 10-20 interim administration, - Vitaly Shapran suggested. Experts believe that under the control of the NBU will reach only small and medium-sized banks, as well as large has adapted to the market situation will continue to work steadily.
NBU confirms preparations for the possible restructuring of obligations to refinance several banks
Minister: the situation in the Ukrainian economy stabilized
Most Russians are spending money in the United States and Italy
Renault lost almost 3 billion euros for six months
Victims of Elita-Center hopes to accelerate the recovery of investment
Two thirds of Russians against the closing night of supermarkets
Office retail
The pre-groove hryvna
Conquistador of steel
What will happen to the Ukrainian banks?
Act provides several options for development around the banks of the interim administration (BA).
troubled banks may be attracted investors' funds, as in the case of Prominvestbank, they can be redeemed state, as the Ukrgasbank, Rodovid Bank and Kiev , or eliminated as the bank Black or Odessa Bank , - says Director of Retail Business Department, BTA Bank Alexander centurion.
It is clear that the fate of 3 recapitalize banks solved - they will live. But the fate of the remaining 13-ty yet solved.
Some of them will be eliminated. For example, at the end of last week, the NBU announced the elimination of Odessa-Bank. It is possible that banks will be eliminated European, national standard and Vladimir, which connects one word shareholder.
We have got a suspicion that if the main shareholder, one by one takes the National Bank of Ukraine at the mercy of their banks, nothing good in it is not, and hardly anyone wants to save these banks. But there are among these 13-ty banks and those who have already found new investors and negotiated sales. Such a fate, for example, expects the banks' credit to the National and Arma - the National Bank of Ukraine has approved a new investment bank.
Regarding Ukrprombank, the MOF announced the elimination of finuchrezhdeniya. NBU has proposed a scheme of transfer of deposits Cabinet in Oschadbank (and increase by the same amount of capital of the State Bank).
need for such a scheme due to the fact that the Guarantee Fund may not be enough money to accounts with the bank depositors' Ukrprombank - in the Fund to date total 4.53 bln, while the debts of the bank in front of natural persons - about 6.9 billion So, investors should not despair: the money they will still be returned.
The fate of the bank Nadra entirely in the hands of the Government. According to experts, the finuchrezhdeniya is likely to receive support from the state.
We expect that the State will make every effort to recapitalize the bank, - says the analyst of investment-banking department Astrum Investment Management Vladislav Crickley.
Experts believe that the Government will not abandon recapitalize the bank Nadra, because it has a more stable financial condition than the Ukrprombank, and it was more of living loans for the repayment of which the bank continues to pay depositors.
Will the Fund to guarantee the money to pay depositors in case of liquidation of several banks?
interviewed experts believe that, despite the fact that the Fund's accumulated total 4.53 bln. and the banks with the VA is about 28 billion, the problems of the investors will not.
Assuming that the bank Nadra still receives support from the state, and the deposits of natural persons Ukrprombank with its liquidation will be transferred to the Oschadbank, the Fund will be to settle with investors, only 12 banks (16 banks with a BA less Nadra Ukrprombank and 3-capitalized banks, but in view of the liquidated Odesa-Bank) to be its depositors 4,7 bln. Given that the fund covers only up to 150 ths., the money should be sufficient, - said Vladislav Crickley.
In an extreme case, the Fund will take advantage of the support of the National Bank of Ukraine: National Bank in June approved the procedure of credit Guarantee Fund, if that is not enough money for the settlement with investors.
today to choose the bank to store the deposit?
Whereas previously, we chose the banks profitability, rate of growth of deposits and loans, but today the results of the analysis finuchrezhdeny without special training is useless.
For example, many banks now show losses, but experts say that this does not indicate that they are on the verge of bankruptcy.
Sometimes profitable bank is in a worse situation than that which is showing losses, - deputy chairman of the board is confident Erste Bank Svetlana Cherkay.
At present, all banks are faced with the challenge of reducing income and, moreover, had to build bigger than before, the level of reserves for loans, as well as an increase in the number of no return.
Hence the losses, the bank can operate stably and time deposits issued. Also, do not rely and ratings: the rating agencies can not deliver the bank a higher assessment rather than country.
But to choose the bank is still possible. And, perhaps, the only reference point for determining the stability of its work - it is the shareholders. After all, what will the bank live depends on whether the shareholders have the opportunity to support his life.
lowest risk for today have deposits in state banks, including the recently nationalized, and in most large banks with foreign capital, - said economist Andrew Concorde Capital Investment Parchomenko.
Secret of the reliability of state bank - in public financial support.
Fortress of foreign banks is due to fueled by the parent banks and stockpiling of liquidity, - explained the chairman of the board of OTP Bank Dmitry Zinc.
But whatever bank you choose, you still need to keep your finger on the pulse. If you chose to bank with foreign capital, it is necessary to monitor how a mother feels a bank abroad.
If you choose the bank owns a large financial-industrial group, learn how it feels. Well - it is possible for a while to trust that the bank money. As soon as you have bad news, pick up money from the bank. And, of course, before you open a deposit, take a look at the forums, reviews, in particular, do not delay payment of the bank deposits today.
Banks today are taking deposits for higher interest rates than before the crisis. At today than they earn, what can they pay?
Over the past year, the sources of bank revenue to redraw. Thus, according to the NBU, if last year's interest income (in fact, payments on loans) accounted for approximately 75% of total banking revenues, but today - about 85%.
That is, in fact, banks have been earning less on the exchange rate, make payments and money transfers, service cards, and live mostly at the expense of repayment of old loans.
This forces many banks to reduce costs by closing branches and offices, and dismissal of staff.
But most importantly, that the banks almost nowhere to get money to restore liquidity, and higher rates on deposits (up to 25% in UAH and up to 15-16% in foreign currency) - almost the only way to attract resources.
A small hole in the banks' increasing liquidity. They see that money, in principle, but a month later they will have nothing to pay investors, here and take a percentage above average, - said Vitaly Shapran.
risks of investments in this case are high, which is why we have long advised not to make deposits in banks are offering very high interest rates, preferring to average rates - up to 18-21% pa in UAH, up to 12-13% in dollars and euros.
today are increasingly saying that the fall of us waiting for a second wave of the crisis. Does it suffer from the banks? What will happen to the deposits?
experts confirmed that the probability of a second wave of crisis, the fall is great.
Unfortunately, the economic and political situation in Ukraine is not improving, so the projections for the fall really poor, - says Svetlana Cherkay.
The situation in the economy and the banking sector will depend largely on the stability of rate hryvnia. If the spike rate is not, the situation will continue at the current level, otherwise you can expect deterioration in the quality of bank loan portfolios and, as a consequence, the solvency of a number of banks , - said Dragon Capital Investment analyst Vitaly Vavrischuk.
Some banks may also have problems with repayment of foreign debts, - said Dmitry Zinc. Such complexity may well be at risk and the contributions of the population.
Autumn really have problems, especially for those banks that attract deposits at very high interest, - said Victoria Kernesh.
There is a sort of pyramid: tomorrow to settle on the open today, deposits are expensive, they will attract more money and so on the rise.
Naturally, that in a crisis to boost the volume of attracted deposits will not be able to all, and this will have problems.
Obviously, the more banks prefer 10-20 interim administration, - Vitaly Shapran suggested. Experts believe that under the control of the NBU will reach only small and medium-sized banks, as well as large has adapted to the market situation will continue to work steadily.
NBU confirms preparations for the possible restructuring of obligations to refinance several banks
Minister: the situation in the Ukrainian economy stabilized
Most Russians are spending money in the United States and Italy
Renault lost almost 3 billion euros for six months
Victims of Elita-Center hopes to accelerate the recovery of investment
Two thirds of Russians against the closing night of supermarkets
Office retail
The pre-groove hryvna
Conquistador of steel