Ukrainian banks continue to increase its debt problem. Last week, the NBU reported an increase in the proportion of problemki in the overall loan portfolio from 4.29 to 4.89% - to UAH 4.06 billion. However, financial experts interviewed believe that the actual amount of questionable loans more than three times as much formal.

According to my estimates, the actual level of no return now stands at 15% of the total loan portfolio, - shared his opinion of the department of analysis of financial markets, ING Bank Ukraine Alexander Pecheritsyn. There are some finuchrezhdeniya whose level of problem debt reaches 30% of the portfolio, - has added to his first deputy chairman of the bank Khreschatik Julia Day.

significant difference in the statistics of only one explanation - the active restructuring of loans, banks have begun in January and February, which allows financiers to qualify as normal, even those loans, which are having difficulty in paying. According to different estimates, in January-May domestic finuchrezhdeniya revised graphics and size of payments on loans of 10-12% natural persons, as well as 8-10% of loans to businesses. Bankers say that most of the May problemki was formed in late March and April, but only now has been reflected in the balance.

There is a time lag between the emergence of problems and peretekaniem in the level of bad assets, as well as the creation of reserves. Today, banks are just beginning to show its low-quality assets, - explained the situation of Member of the Universal Bank Vitaly Shastun.

growth of non-credit yurlits financiers explain the decline in gross domestic product. According to Goskomstat data, only for the January-March GDP of Ukraine over the same period in 2008 fell by 20,3% and amounted to 183.217 billion UAH.

This implies a reduction in supply and demand in the market and begins with the deterioration in trade performance. The smaller the product is sold, the more reduced production and reduced earnings of companies. The company is becoming increasingly difficult to service their loans, - the director of the Department of Treasury BG Bank Victor Erasov.

non-payment of loans by the public, according to financiers, primarily due to increases in the dollar and euro, which, according to the National Bank of Ukraine, on June 1, was executed 72.76% of all potrebkreditov.

most actively restrukturiziruyut banks are now foreign loans, because of the devaluation of hryvnia payments on them have increased by 60%, - said Vitaly Shastun. The second reason for the increase of non-payment of loans natural persons - the reduction of salaries of Ukrainians and a rise in unemployment in the ranks of borrowers.

According to the financiers for the January-May, the citizens most actively to apply for benefits on mortgage loans - up to 30-35% of borrowers, a few less on car loans and cache - 25-30 and 15-20% respectively . According to estimates of bankers, depending on the type of loan they were satisfied with the order of 40-60% of such applications.

Most Ukrainians asked for credit vacations, allowing for three to six months, the body does not pay the loan and put out only the interest on it. Also, they are actively trying to extend the loans, thus reducing the average size of the payment. Very rarely people went to the conversion of loans into hryvnia currency: the beginning of 2009, the National Bank began to sell natural persons currency to repay loans at reduced rates, and they no longer had to buy it on speculation rates in the exchangers.

As the deterioration of payment discipline in the credit sector financiers have become more active to work with mortgages. If during the January-April, according to bankers, the process of recovery was only at 35-40% of mortgages on the troubled loans by the end of May at 60-65%.

The first place on the liquidity of real estate today, followed by the car and real equipment. Other types of collateral, such as goods in circulation, it is very difficult to recover, - said the Deputy Director of Risk, Head of Credit Policy Platinum Bank Natalia Matsievskaya.

interviewed bankers no doubt further increase the volume of problem loans. At the optimistic scenario, the share of problem assets this year will be 15-20% of total assets, pessimistic - 35-50%, - Vitaly Shastun predict.

Following the increase in the problemki will worsen and the financial problems of banks. Last week, the NBU chairman Volodymyr Stelmakh vowed to introduce more time-management in banks, while true, does not specify how many representatives will soon finuchrezhdeniyah regulator. According to him, to date, all sorts of problems have 25-27 banks, with the temporary administration work at 15.

Elena Lysenko

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