No changes in the Revitalization potrebkreditovaniya is not expected before the end of the first half of 2010, predicts Konstantin Stepanov, director of analytical department of the investment group Socrates.

We do not expect significant recovery in the market of crediting physical persons in the near future. Revitalization of the banks in this area is possible after the situation with the funding environment improves, inflation will remain at the level of 15-17%, and incomes will grow, - the expert said.

Stepanov indicates little progress in individual segments of retail lending, such as car loans, where the number of banks offering their credit products has increased during the summer. However, the analyst stressed conditions for borrowers have deteriorated significantly, including an increase of the initial contribution of up to 30-40%, the average rate on a loan up to 28% (in Euro). Many banks still form the reserves and limited in attracting financial resources. Now for the banks is not an urgent increase in the loan portfolio. Their primary task - keeping the volume of bad loans at the lowest possible level, - the expert believes.

In the field of corporate loans financing of new business projects has practically ceased and was only sporadic, Stepanov said. He noted that lending to enterprises by banks, which bore the character previously «trusts», also stopped. More chances to get credit for companies that consistently generate revenue, in particular a good position for exporters who can attract credits under the sale of products, - analysts believe.

Exchange

jumps affect the supply of banks. The Economist points out that with continued devaluation of the hryvnia and inflation, banks can revise rates on previously issued or new credit, and raise interest rates as of hryvnia deposits and loans.
 

To win the trust of clients, said Stepanov, the most important in the current moment is the stable operation of the bank. A good example to return the trust of our customers can serve Prominvestbank, which after the change of owners and attract financial resources, began to actively finance industry and the issue previously frozen deposits of physical persons - the specialist said.

Konstantin Stepanov does not exclude that the fall we can see the new bankruptcy of financial institutions. In our view, priority should be suspicious banks actively advertise their services with rates that greatly exceed the market average, as well as small banks that serve a limited number of legal entities and are in fact small keptivnymi banks, - said the analyst.

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