The banking system of Ukraine today

During June 2012 the number of registered banks has not changed as of 07/01/2012 was estimated at 176 banking institutions. The number of banks licensed by the NBU to perform banking operations remained unchanged - 176 (JSC "RODOVID BANK" is licensed remedial bank), the number of banks with foreign capital increased by 2 banks. The share of foreign capital in the authorized capital of the banks in the I half of 2012 decreased from 41.9% to 41.2%. According to analysts of the NRA "Rurik", it is connected with the building of the Ukrainian banks own share capital. It should be noted that banks with foreign capital continue to minimize its presence in the retail market and the shift to the corporate segment. And some banks, due to unprofitable activities continue to process the output from the Ukrainian banking market.

- From the beginning, the assets of the banking system of Ukraine increased by 4.76% (50.2 bln.), In June of this year, it increased by 2.21% (23.8 bln.) And amounted to 1 104.5 bln. as of 01.07.2012, as against 1 080.6 bln. As of 01.06.2012, the loan portfolio from the beginning of the year increased by 0.89% (7.4 billion USD.) to 832.7 billion USD. as of 01.07.2012, at June 2012, its volume has increased by 1.49% (12.3 bln.). According to analytical department of the NRA "Rurik", due to the high requirements for potential borrowers, as well as the difficult situation in the main sectors of the economy, the pace of increasing the volume of banks' loan portfolios are constrained. The above assumption is confirmed by the fact of further reducing the share of long-term loans in the loan portfolio of banks with 51.7% at the beginning of 2012 to 48.1% as at 01.07.2012, the addition, the NRA "Rurik" the persistence of a high percentage of redundant their loans (13.2% as at 01.07.2012, the).

- Since 2012 significant changes in the structure of credit portfolio of the banking system of Ukraine has not happened. The credit market, as before, is concentrated in the corporate sector (the share of loans to business entities, as of 07/01/2012, amounts to 69.0%). In absolute terms, the volume of loans granted to business entities, from the beginning of the year increased by 12.41 billion USD. (2.14%) to 593.32 bln., In June - to 4.82 billion USD. (0.82%). The share of investments in securities as of 01.07.2012 totaled 12.0% (on 01.01.2012 - 10.4%), in absolute terms, the volume of investments in securities since the beginning of the year increased by 15.32 billion UAH. (17.47%), in June - to 2.99 billion USD. (2.98%). At the end of June, the share that is attributable to loans to individuals was 19.0% (as of 01.01.2012 - 20.7%), in absolute terms, the volume of loans granted to individuals, from the beginning of the year decreased to 11.28 billion . UAH. (-6.46%) In June - 2.09 bln. (-1.26%). According to analysts of the NRA "Rurik", the situation in the credit market is an appropriate and reflects the state of the general economic situation in the country: the discrepancy of potential borrowers bankable offset recent activity in the placement of funds in government bonds and interbank loans.

- The structure of liabilities of Ukrainian banks was an increase share of fixed-term funds from 34.7% at the beginning of the year to 35.4% at the beginning of July 2012. The volume of retail deposits increased: from the beginning of the year - by 10.34% (31.7 bln.), In June of 2012 - 1.65% (5.50 bln.), And as of on 01/07/2012 was $ 337.9 billion USD. According to analysts of the NRA "Rurik" positive dynamics increase citizens' savings from the beginning of the year of gradual restoration of confidence in the banks last Ukraine after a negative experience in 2008-2009. with the problem at the time banks.

- As of January - June 2012 equity increased to 4.22%, or by 6.56 bln., In June, its volume has increased by 2.00%, or 3.17 billion USD. The amount of regulatory capital was still lower than at the beginning of the year, and as of 01.07.2012, he was 174.6 billion USD. (On 01.01.2012 - 178.5 bln.). It should be noted that in June of this year, its volume has increased by 2.14 bln. (1.24%). The value of regulatory capital adequacy standard (H2) as of 01.07.2012 totaled 18.0%, 0.9 percentage points less than at the beginning of the year, and by 0.1 percentage points more than at the beginning of June. Despite the slow increase the size of regulatory capital, the value of the indicator of adequacy of regulatory capital (H2) suggests the potential for further growth of assets.

- The financial result of the banking system in January - June 2012, according to information posted on the official website of National Bank, was positive. Banks showed a profit of $ 1,558 mln., Which is significantly higher than the results of the same period of 2011, in which banks have shown negative (-1,062 mln.). Despite the overall profitability of activities to the I half of 2012, in June the banking system was a loss of $ 335 million USD. According to analysts of the NRA "Rurik" profitable activities to the I half of the year after the loss-making in 2011, first achieved by the completion of the formation of a majority of the banks reserves for troubled debt.