The profit of Ukrainian banks in January-November 2022 amounted to UAH 19.429 billion, which is 3.4 times less than in the same period of 2021 (UAH 65.728 billion), the press service of the National Bank of Ukraine (NBU) said.
According to the report, the profit of Ukrainian banks in November amounted to UAH 8.451 billion, which is 2.3 times more than a month earlier (UAH 3.6 billion).
The regulator noted that the income of banks in November increased by 12.2%, while expenses increased by 9.7%.
According to the regulator, the income of banks in January-November increased by 32% against the same period last year – up to 322 billion UAH.
At the same time fee and commission income for 11 months decreased by 8.4% – to UAH 76.46 billion (while during the same period last year it increased by 32.6%).
At that the result from revaluation and from sale-purchase operations was positive and made UAH 42.3 billion, while it was negative and amounted to UAH 2.7 billion for the same period last year.
At the same time expenses of banking system for January-November 2022 increased by 1.7 times compared with this index in 2021 – up to UAH 302.6 billion, including deductions to reserves – 13.6 times, up to UAH 113 billion. At the same time, the commission expenses increased by 1.6% up to UAH 31.99 billion,
As reported, the Ukrainian banks in 2021 doubled the net profit – up to 77.5 billion UAH, compared with 41.3 billion UAH in 2020.
The leader in increasing the volume of public deposits in June was the state-owned PrivatBank, which increased them by UAH 21.08 billion, or 6.6%, over the month.
As reported on the website of the National Bank of Ukraine (NBU), another representative of the state, Oshchadbank, follows: the absolute inflow of public funds to it amounted to UAH 5.74 billion, and the relative inflow was 4.2%.
At the same time, if at Privat the number of depositors increased by 68.03 thousand, including currency depositors – by 35.98 thousand, then at Oshchad the number of depositors decreased by 30.5 thousand. with an increase in currency by 2.8 thousand
The largest increase in the number of depositors in June was shown by the Ukrainian Universal Bank (monobank) – 114.91 thousand, including currency depositors – 48.15 thousand. With such an increase in depositors, the increase in deposits amounted to 2.6%, or UAH 1.16 billion, which ensured the bank the fourth position.
Banks with foreign capital – Ukrsibbank and Raiffeisenbank, in which 40% and 30% respectively belong to the European Bank for Reconstruction and Development (EBRD), took third and fifth place. Deposits in them increased in June by UAH 1.59 billion, or 3.8%, and by UAH 1.09 billion, or 2%, respectively, and the number of depositors increased by 20.6 thousand. and 10.1 thousand
On the other side of the list is Alfa-Bank, deposits in which in June decreased by UAH 943.5 million, or 2.2%, including currency deposits – by UAH 699.5 million, or 3.4%. At the same time, the number of depositors increased by 13,140, which is probably due to the bank’s card product and a good exchange rate for it.
In addition, UAH 386.7 million, or 1% of the funds of natural persons, was left in June by FUIB. He also had the largest part of the outflow – UAH 224.7 million – on currency deposits.
The outflow of funds from Accordbank amounted to UAH 124.3 million, or 6.8%, from Vostok Bank – UAH 103.7 million, or 2%.
Rounding out the bottom five is A-Bank, whose deposit volume in June decreased by UAH 74.7 million, or by 0.8%. At the same time, the increase in depositors was 59.08 thousand. – it came third, second only to monobank and PrivatBank, and far ahead of the trailing TASkombank with 22.68 thousand. new depositors.
In general, according to the data of the NBU, in June the funds of individuals in banks increased by UAH 30.36 billion, or by 3.5% – almost all due to hryvnia deposits, since currency deposits increased by only UAH 0.17 billion, or by 0 ,1%.
Data on the volume of deposits and the number of individual depositors in Ukrainian banks as of 07/1/22 and their dynamics in June (Ukrainian)
The President of the European Commission (EC), Ursula von der Leyen, announced on Tuesday proposals for new sanctions of the EU’s fifth package against Russia.
“The ban on coal imports from Russia worth 4 billion euros per year, which cuts another important source of income for Russia. A complete ban on transactions with four key Russian banks, including VTB, the second largest Russian bank,” the report said. statement of the head of the EC, published on Twitter.
BAN, BANKS, EU, IMPORT, RUSSIAN COAL, SANCTIONS, TRANSACTIONS
Banks of Ukraine in January 2022 saw UAH 7.1 billion of net profit, which is 76% more than in the same period of 2020 (UAH 4.1 billion), the National Bank of Ukraine (NBU) has reported.
“Revenue of banks in January grew by 34%, to UAH 24.9 billion, expenses – by 23%, to UAH 17.8 billion,” the regulator said.
The result of a more coordinated work on the return of funds from failed banks may be an increase in the partial voluntary repayment of debts by former owners, First Deputy Governor of the National Bank of Ukraine Kateryna Rozhkova has said.
“What can happen and what we would like – perhaps the owners to some extent will be ready to voluntarily close debts,” she told Interfax-Ukraine, answering the question about the implementation of the paragraph of the Memorandum with the IMF on strengthening work on the return of assets of failed banks.
Rozhkova recalled that a working group was created at the government level, headed by the Prime Minister, which includes the governor of the National Bank and the head of the Deposit Guarantee Fund, which is engaged in boosting work on the return of assets.
“In fact, you don’t need to invent anything new, because PrivatBank has already passed a certain path: there are courts in Western jurisdictions, tools for how to do this – through courts in Ukraine or abroad,” the representative of the National Bank said.
Rozhkova said that all the documents that the NBU had, confirming certain abuses, were transferred to law enforcement agencies. According to her, the Deposit Guarantee Fund conducts due diligence with the involvement of audit companies to determine where and how assets were withdrawn for each of the banks, according to the schedule. Further, claims are being prepared, which should be transferred either to courts, or to law enforcement agencies here, or to other jurisdictions.
“I will also say an unpopular thing, but it is true: those banks that left the market have assets that they lost in Donetsk and Crimea [in the occupied territories]. And this was not a withdrawal of funds. There are assets that have ceased to be serviced when the hryvnia sharply devalued. Collaterals depreciated, loans increased. It cannot be said that the entire volume is the fault of shareholders. It is necessary to calculate, prove, divide, and where it is provable, move the traditional way,” Rozhkova said.
As reported, according to a memorandum with the IMF, by the end of December this year, the Prosecutor General’s Office is to publish a semi-annual report on the outcomes of criminal proceedings against former bank owners, managers and other related parties in each resolved bank since the beginning of 2014, with aggregate data on the number of persons investigated, tried, and convicted as well as the amount of fines and damage recovered.
The next benchmark in this area is the publication of a asset recovery strategy paper and an action plan for the return of assets of failed banks by the end of February 2022.
The single counterparty exposure limit (H7, shall be no more than 25%) as of October 1, was violated by Prominvestbank (88.3%) and Industrialbank (44.08%), according to the website of the National Bank of Ukraine (NBU).
The limit on bank total long open FX position (L13-1, shall be no more than 10%) was violated by Oschadbank (135.7%), Prominvestbank (106.93%), PrivatBank (80.25%) and Industrialbank (19.56%).
The limit on bank total short open FX position (L13-2, shall be no more than 10%) was violated by Prominvestbank (131.27%).
As reported, the prudential requirement on Net Stable Funding Ratio (NSFR) was set at 90% by the NBU for banks starting October 1 (earlier it was 80%). In accordance with the schedule, the NBU will increase the NSFR requirement for banks to 100% from April 1, 2022.
According to the data of the National Bank, all operating banks as of October 1 exceed the level of the NSFR standard of 90%.
The NSFR regulation is intended to encourage banks to rely on more stable and long-term funding sources and reduce their dependence on short-term financing.
