The case for small
By admin at 21 October, 2009, 2:31 pm
Major banks continue lending to fold, and their customers pick up small credit institutions. In September loan portfolios of the 13 largest banks, retaining 59% of the market, decreased by 1.8 billion UAH, which allowed the rest of the credit institutions to issue 3.5 billion UAH. Bankers point out that private business goes to small banks, as well as easier to agree with them on credit.
As the Kommersant-Ukraine, on the results of September's loan portfolio 13 largest Ukrainian banks has decreased by 1.76 billion UAH. Briefcases decreased in almost all the banks and the largest drop in the second month in a row shows Alfa Bank - at 1.42 billion UAH. Part of the portfolio lost even Oschadbank traditionally increases during the year, assets at the expense of credit NAK Naftogaz of Ukraine (-100.87 million UAH).
build credit (mainly due to legal persons) in September has only Privatbank (at 1.19 billion UAH), Ukreximbank (356.89 million UAH) and VTB Bank (33.36 million UAH). Many banks decline was due to repayment of foreign currency loans, although they continued to issue hryvnia loans. Thus, Privatbank hryvnia portfolio increased to 1.29 billion UAH, VTB Bank - UAH 342.23 million, Raiffeisen Bank Aval - 249.61 million UAH, Ukreximbank - UAH 221.87 million, the bank Forum - 53.56 mln UAH. Total hryvnia loan portfolio of 13 banks increased by 1.45 billion UAH.
balance data banks, which concentrated 58.95% of all loans of the banking system, talk about the loss of market share (by July 1, accounted for 62.67%). According to the NBU accounting, loan portfolio of 184 banks in September increased by 1.74 billion UAH, with growth hryvnia loans amounted to 5.72 billion UAH. The growth of credit in national currency took place only through the medium and small banks have built up portfolios of 4.27 billion UAH.
Representatives of major banks surprised by this trend and believe that all banks to reduce lending. We are eliminating the very complex debt and new money issue the normal borrowers - said the first deputy chairman Vyacheslav Prominvestbanka Yutkin .- For example, two of the borrower back to us last month, 200 million UAH, while at the same time, we have issued 180 million new UAH customers. Chairman of board of bank Khreshchatyk Dmitry Gridzhuk sure that all the banks now have to think about survival, and therefore can not significantly increase the credit: From the beginning of a month's loan portfolio, we have paid for 200 million grn: total debt decreased by 120 million UAH, and on 80 mln UAH were issued new loans.
The NBU said that now appears to the traditional protracted crisis trend - care of small and medium-sized businesses from large to small banks. Private business runs from the big banks because they have more control of the system - said a senior official NBU .- Previously, business owners hid their private flows to other institutions that they could not be seen against the background of the main streams of business, but now it is because of the threat of systemic decline of the big banks. He noted that now on correspondent accounts of Ukrainian banks - 14.7 billion UAH free liquidity, of which only 7.7 billion UAH in the possession of the first group of 17 banks, while the remaining 7 billion UAH - for smaller institutions.
Representatives of smaller banks agree with the thesis of staff of the NBU. Indeed, there are a number of banks, which are now very active in the loan. For example, only here for September's loan portfolio grew by 59 million UAH, and we took 22% of car loans, - said chairman of Astra Bank Mikhail Vlasenko .- We are more flexible in solving customer problems, give it more attention. There is widespread scheme in which the client keeps in the bank as collateral currency deposit and receives a loan in UAH. A foreign parent structure of many large banks require their managers to maintain portfolios of internal resources, so they can not adequately increase lending .
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