growth in demand for trust and cache will force bankers to increase lending activity in this segment. Especially since it is smaller loans remain one of the most profitable and stable earnings

crisis in the financial system from completely otbil bankers desire to engage in kopeechnymi loans. If in the first half of last year we saw the boom in consumer lending, in stores and shopping networks could see more than five or six different banks, but now on the market, there are only three active players, - noted Elena Frankivsk, Director of Sales, Member Board of Platinum Bank.

According to Director of Retail Business Development Joint Stock Company Index-Bank Tatiana Shapoval, at the end of June bezzalogovye loans cash offer Kievan Rus , Index-Bank, Credit Europe Bank and OTP Bank. In the segment of credit for purchase of goods remained active position only Delta Bank.

One of the reasons for downsizing melkokalibernogo lending is still an acute shortage of resources. The situation in the credit market remains unpredictable. Now the banks are aimed at preserving its own liquidity and credit in the current environment is a risk for them, - explains the member of the board of Universal Bank Igor Doroshenko. Tight-fisted financiers and provokes a rapid increase in problem assets finuchrezhdeny.

According to the NBU, issues debt in the portfolios of domestic banks from January to May increased by more than half, or at 18.482 bln., reaching to the June 1, 36.492 billion UAH. According to estimates of analysts, among the leaders of non-first place is occupied by exactly bezzalogovye cache credits and targeted loans. The market bezzalogovyh loans decreased by more than 80%. While the demand for such loans almost unchanged, the number of reliable borrowers that meet the requirements of financial institutions has declined significantly.

According to our estimates, the number of customers with clean credit reputation today as a whole has declined to about 5 million , - noted Vladimir Kompaniets, director of operational support for the retail network KreditMarket (JSC Center for Financial Solutions ). Bankers that preserve the active position in the market potrebkreditovaniya also poumerili their generosity. By reducing the growth of lending and repayment of earlier loans portfolio of cash-credit to our bank for the first half of 2009 decreased by 10-15%.

Theaverage volume of issuance bezzalogovyh cache loans over the same period last year decreased by 30%, - told the head of the retail business of OTP Bank Alexey Rudnev. Most financiers very meticulously evaluate borrowers by agreeing, for example, to supply cash customers only using other banking services. For current customers, we offer extended credit. Credits are issued as bank depositors, and employees of companies with our salary projects , - said Igor Doroshenko.

The struggle for quality loan portfolios led bankers to tighten credit conditions and requirements for borrowers. If a year ago for a cache of loans was sufficient to show ID and passport (and sometimes only a passport), now require a certificate from the borrower's income, the availability of collateral or guarantor. The list of mandatory documents have been added to the borrower's credit history in other banks. And when the loan amount of 15 ths. Must provide proof of ownership of the assets owned by the borrower (real estate, automobile, etc.) - explains Alexey Rudnev.

There is still issuing loans for a year or two, most of the banks cut the maximum amount of credit, limiting it 10-15 ths. The reason for reducing the average amount of loans issued (now it is around 6 thousand UAH.) Has been the increased requirements for the ratio of income to the monthly payment on the loan, - said Vladimir Kompaniets. This effective rate on loans melkokalibernym had grown up about 1-15% and averaged 55-58% per annum (for cache-credit), and 55-85% for the Shop loans for the purchase of goods.

The bankers argue that the current restrictions and the high cost of credit does not discourage citizens from hunting razzhitsya nalichkoy. Every month a tendency to increase the issuance of consumer loans. In particular, the demand for cash-loans rose in anticipation of the holiday season, - noted Tetyana Shapoval. People have adapted to the crisis, and we are seeing a steady increase in the supply and demand - agrees with colleague Helen Frankivsk.

Therefore, experts do not exclude that if the economic situation in the country will not deteriorate before the end of the year the number of banks operating in this segment to grow at least twice. The volume of lending bezzalogovogo in the second half may podrasti by 15-20%.

Tatiana Ochimovskaya