The loan portfolio of Ukrainian banks in August 2021 increased by 3%, to UAH 1.124 trillion, while the volume of non-performing loans (NPL) decreased by 0.7%, to UAH 393.178 billion, according to reports on the website of the National Bank of Ukraine (NBU). According to the report, the share of non-performing loans in the country’s banking system in August fell to 34.99% from 36.3% in July.
The National Bank indicated that over the month the portfolio of loans in the corporate sector increased by 2.6% – to UAH 827.583 billion (the NPL volume in it decreased by 0.2% – to UAH 344.99 billion), and the portfolio of loans to individuals increased by 2.4% – to UAH 238.463 billion (NPL decreased by 3.7% – to UAH 47.738 billion).
At the same time, the volume of interbank loans increased by 3.9% – to UAH 41.1 billion (NPL by 1.3% – to UAH 450 million), and the volume of loans issued to public authorities and local governments – by 1.5 times, to UAH 16.7 billion (NPL remained at 0%).
According to the National Bank, in August the share of NPL in the portfolio of loans provided to the corporate sector decreased by 1.2 percentage points (to 41.69%), loans to the population – by 1.3 percentage points (to 20.02%), interbank loans – by 0.03 percentage points (to 1.10%), while the share of loans to state authorities remained at the level of 0%.
The central bank’s report indicates that the loan portfolio of state-owned banks (excluding PrivatBank) in August-2021 increased by 4.7% – to UAH 303.856 billion (the NPL volume in it decreased by 0.9% – to UAH 111.195 billion). PrivatBank’s loan portfolio grew by 0.9% – to UAH 250.674 million (NPL – by 0.1%, to UAH 176.9 billion).
In addition, over the month, the loan portfolio of banks with foreign capital increased by 3.5% (to UAH 372.39 billion), with private – by 2.2% (to UAH 196.257 billion). At the same time, the volume of NPL in them decreased by 2.5% (to UAH 82.956 billion) and by 1.1% (to UAH 21.592 billion), respectively.
Thus, in August 2021, the share of NPL in the loan portfolio of state-owned banks (excluding PrivatBank) decreased by 2 p.p. (to 36.59%), and in PrivatBank – by 0.6 p.p. (to 70.57%). At the same time, the share of NPL in the loan portfolio of banks with foreign capital decreased by 1.4 percentage points (to 22.28%), with private – by 0.4 percentage points (to 11%).
The loan portfolio of Ukrainian banks in June 2021 grew by 1%, to UAH 1.091 trillion, while the volume of non-performing loans (NPL) decreased by 0.7%, to UAH 405.522 billion, according to reports on the website National Bank of Ukraine (NBU).
According to the report, the share of non-performing loans in the banking system in June fell to 37.18% from 37.85% in May.
The National Bank indicated that over the month the portfolio of loans in the corporate sector decreased by 0.7%, to UAH 809.363 billion, while the portfolio of loans to individuals increased by 2.1%, to UAH 229.139 billion.
At the same time, the volume of interbank loans increased by 1.4%, to UAH 40.93 billion, and the volume of loans issued to state and local authorities increased by 3.7%, to UAH 11.212 billion.
According to the National Bank, in June, the share of NPL in the portfolio of loans provided to the corporate sector decreased by 0.5 percentage points (to 43.66%), loans to the population – by 1 percentage point (to 22.4%), interbank loans – by 0.5 percentage points (to 1.92%), and loans to state authorities remained at the level of 0%.
The central bank’s report indicates that the loan portfolio of state-owned banks (excluding PrivatBank) in June 2021 increased by 0.2%, to UAH 292.798 billion (the NPL volume in it decreased by 0.5%, to UAH 118.09 billion), while the loan portfolio of PrivatBank grew by 0.4%, to UAH 248.7 million (NPL decreased by 0.2%, to UAH 177.4 billion).
In addition, over the month, the loan portfolio of banks with foreign capital increased by 1.5% (to UAH 361.09 billion), with private – by 2.6% (to UAH 188.06 billion), while the volume of NPL in them decreased accordingly by 0.8% (to UAH 87.55 billion) and by 1.2% (to UAH 22.509 billion).
The number of banks expecting an increase in the volume of their loan portfolio over the next 12 months amounted to 88% for the corporate segment and 79% for lending to the population, according to the results of a survey conducted by the National Bank of Ukraine (NBU) on the conditions of bank lending.
“In the next 12 months, 79% of respondents predict an increase in the loan portfolio of households, 88% – corporate portfolios. The share of banks that expect an increase in the loan portfolio of enterprises is the largest in the entire history of observation. 67% of financial institutions predict an increase in funding due to an increase in funds of both population and corporations,” the central bank said in a review on its website on Friday.
In addition, in the second quarter, half of the respondents noted an increase in demand for both consumer lending and mortgages.
In the second quarter, survey participants noted a moderate increase in liquidity risk, credit and interest rate risks, while in the next three months banks expect further growth in credit risk, simultaneously with a decrease in interest rate risk and liquidity risk.
More than 80% of banks consider the total debt burden to be medium, in addition, for large enterprises it is higher when compared with SMEs.
In the next quarter, financial institutions forecast the largest easing of hryvnia business lending standards since 2013. In particular, in mortgage loans, due to positive expectations of the prospects for the real estate market, and in consumer loans due to positive expectations of consumer solvency and general economic activity, as well as competition with other banks and nonbank financial institutions.
The loan portfolio of Ukrainian banks in April 2021 grew by 1.7%, to UAH 1.076 trillion, and the volume of non-performing loans (NPL) – by 0.8%, to UAH 425.88 billion, according to reports posted on the website of the National Bank of Ukraine (NBU).
According to its data, the share of non-performing loans in the banking system in April fell from 39.93% to 39.57%.
The National Bank indicated that over the month the portfolio of loans in the corporate sector increased by 1.9%, to UAH 807.408 billion (including the NPL volume in it – by 0.8%, to UAH 369.615 billion), and the portfolio of loans issued to individuals – by 1.6%, to UAH 218.678 billion (NPL – by 0.7%, to UAH 52.289 billion).
At the same time, the volume of interbank loans increased by 0.6%, to UAH 39.388 billion (including NPL decreased by 0.1%, to UAH 980 million), while the volume of loans issued to state and local authorities decreased by 3%, to UAH 10.909 billion (NPL remained at 0).
According to the National Bank, in April, the share of NPL in the portfolio of loans provided to the corporate sector decreased by 0.5 percentage points (to 45.78%), loans to the population – by 0.2 percentage points (to 25.28%), interbank loans – by 0.2 percentage points (to 2.49%), and loans to state authorities remained at the level of 0%.
The central bank report indicates that the loan portfolio of state-owned banks excluding PrivatBank in April 2021 increased by 0.2%, to UAH 299.733 billion (the NPL volume in it increased by 1.8%, to UAH 131.15 billion), while PrivatBank’s loan portfolio grew by 0.4%, to UAH 246.337 million (NPL remained at the level of UAH 177.99 billion).
In addition, over the month, the loan portfolio of banks with foreign capital grew by 3.5% (to UAH 352.736 billion), and with private capital – by 2.6% (to UAH 177.577 billion), while the NPL volume in them decreased by 0.6% (to UAH 93.55 billion) and by 1.7% (to UAH 23.2 billion).
The loan portfolio of Ukrainian banks in January-March 2021 expanded by 0.8%, to UAH 1.06 trillion, while the volume of non-performing loans (NPL) fell by 1.8%, to UAH 422.6 billion, according to a report posted on the website of the National Bank of Ukraine (NBU).
According to it, the share of NPL in the banking system in the first quarter of 2021 decreased from 41% to 39.9%.
The National Bank said that in the first three months of 2021 the portfolio of loans to the corporate sector decreased 0.4%, to UAH 792.540 billion (including the share of NPL in it – by 1.2%, to UAH 366.7 billion), in turn, the portfolio loans to individuals grew by 3.3%, to UAH 215.29 billion (NPL decreased 5.6%, to UAH 54.92 billion).
At the same time, the volume of interbank loans increased by 15%, to UAH 39.15 billion (including NPL decreased 0.3%, to UAH 981 million), while the volume of loans issued to public and local authorities decreased 4.2%, to UAH 11.24 billion (NPL remained at zero).
According to the National Bank, at the end of the quarter, the share of NPL in the portfolio of loans issued to the corporate sector fell by 0.4 percentage points (to 46.3%), loans to the population – by 2.4 percentage points (to 25.5%), interbank loans – by 0.4 percentage points (to 2.5%), and loans to public authorities remained at the level of 0%.
According to the central bank report, the loan portfolio of state-owned banks without PrivatBank in January-March 2021 increased 1.3%, to UAH 299.07 billion (the NPL volume in it decreased 0.1%, to UAH 128.9 billion) , while the loan portfolio of PrivatBank increased 0.2%, to UAH 245.376 million (NPL decreased 1.8%, to UAH 177.99 billion).
In addition, in January-March 2021, the loan portfolio of banks with foreign capital decreased 1% (to UAH 340.7 billion), and with private ones increased 5% (to UAH 173.1 billion), while the volume of NPL in them decreased accordingly 3.1% (to UAH 92.9 billion) and 4.9% (to UAH 22.8 billion).
Thus, at the end of the first quarter of 2021, the share of NPL in the loan portfolios of state-owned banks (excluding PrivatBank) decreased 0.6 percentage points (to 43.1%), in PrivatBank – by 1.4 p.p. (to 72.54%), in banks with foreign capital – by 0.6 percentage points (to 27.28%) and in banks with private capital – by 1.4 percentage points (to 13.2%).
As reported, at the end of 2020, the loan portfolio of Ukrainian banks narrowed by 4.4%, to UAH 1.05 trillion, including the volume of NPL falling by 18.9%, to UAH 430.371 billion.
The loan portfolio of entrepreneurs and small and medium-sized businesses (SMEs) of state-owned Ukrgasbank (Kyiv) in the first quarter of 2021 increased by UAH 1.4 billion, or by 17.5%, to UAH 8 billion, the bank’s press service said on Thursday.
According to the report, the increase in the portfolio is due to the active participation of the bank in the state program Affordable Loans 5-7-9%” and new business lending programs. In particular, as of early April, Ukrgasbank’s portfolio of affordable loans is UAH 2 billion, including UAH 1.2 billion of loans for investment purposes.
The press service said that in the first week of April, the bank increased its portfolio of energy efficiency (warm) loans by UAH 14.6 million, or 7.3%, to UAH 200 million. At the same time, the number of such loans increased by 371, or by 2.8%, to 13,310.
According to the National Bank of Ukraine, as of January 1, 2021, Ukrgasbank in terms of total assets (UAH 151.403 billion) ranked fourth among 73 banks operating in the country.
