Analysts forecast that by 2010 the collectors redeemed more than 1 billion USD. outstanding bank debt of about $ 100 million UAH. Thus, compared with the previous year, the discount will decrease from 98% to 90%.

According to the CEO Group eCall (Collection Agency Verdict) Alexei Teslenko, if in the past year 1 billion USD. cost of debt collection companies in about 20 mln., but this year will have to pay five times more. "This growth indicates a stabilization of the banking sector and that the banks get used to the weight of overdue debts and no longer sell them for a pittance," - says Teslenko.

According to agency analysts Verdict, now the total number of overdue debts of the population is about 10 billion UAH. and this is without taking into account outstanding mortgage and car loan (with secured loans, banks normally work themselves).

But more important to consider, not how much debt collectors have bought from banks, and how many have paid for it. "Discount rate in such operations is about 95-98%. Banks are going on it to more quickly get rid of excess load non-working assets in order to clear the balance sheets and get rid of the need to administer the loan portfolio,&qu1000ot; - said Alexey Teslenko.

According to experts, a critical mass of debts in most banks have already achieved. "This year should not be expected to increase to sell the debt. It is likely that the rate will remain at the level of UAH 1 billion. But the amount for which buy these debts, surely will grow", - considers Teslenko.

As the head of the monitoring and collection of loans OTP Bank Sergey Bondarev, an increase in bad debts continued until the spring of last year. "The peak was in March-April and the beginning of summer, the process stopped, and even began to decrease bad loans - said Bondarev .- This occurred for several reasons. First, the significant role played by the restructuring - with many clients in the situation stabilized, and they returned to the normal payment schedule. Secondly, there was a public practice of working with troubled debt - the situation has moved beyond the offices and courts, many already understand the possible consequences and returned to the negotiating process with the bank. "

However, in the opinion of the Director of Risk Management Department, VAB Bank Helena Domuz, the depth of the delay will be greater, because banks will not lend to active since 2008, and this means that the overdue portfolio grows older. According to some estimates, all the banks that could have returned, more borrowers will be paying less and less and less and less. As a consequence, believes Teslenko to maintain the interest of collectors to cooperate with the banks, the main trend would be to the financial institutions to reduce the proportion of bad among ongoing obligations sold portfolios will improve and, consequently, reduce the size of discounts - up to 85-90%.

But Sergei Bondarev believes that this year the return of the delay will only increase. "More and more clients use tool for restructuring or repay the accumulated debt, as they have already realized that the forced sale of collateral is for them uneconomical. The borrower will still have to fulfill their obligations to pay, plus possible legal support" - reminds Bondarev.

In addition, the expert, in the presence of tainted borrower"s credit history will already be difficult to obtain a new bank loans that financial institutions could start to issue after the election, when the economic situation is clearer in the country and return of foreign investment.

"The result will be the streamlining of factoring market, - said Alexei Teslenko .- Banks can finally catch my breath and turn our attention to the fact that market leaders have already started lending. The banks will be able to clear the balance and get rid of the need to administer the portfolio."

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