Page 48 - UKRRptMar19

of the year and a significant reduction in allocations to reserves contributed to profitability of the banking sector. Analysts expect that the year 2019 will also be successful as lending will continue growing.
In 2018, the amount of payments to reserves more than halved, to UAH 23.7bn in 2018 from UAH49.2bn in 2017.
At the same time, the net interest and commission fee income of the banking system increased by an average of 38%. The main interest income, as before, is generated by corporate loans - 46% of the total amount, while investment in securities provided 27% of interest income, and retail loans - 26%. Commission fee incomes increased against the background of the development of cash settlement and other related lending payments, to 25% in the structure of all revenues.
Monetary and banking 2010 2011 2012 2013 2014 indicators
2015 2016
Jan-Sep 2017
Non-performing loans, USD bn 57.23 63.90 67.87 81.48 70.48 64.53 63.00 65.93
Non-performing loans ratio 14.8 15.2 29.6 14.5 15.9 25.6 30.4 56.4
Total deposits, USD bn 608.3 741.5 831.3 984.7 729.5 415.0 380.6 362.4
Loan-to-deposit ratio 175% 162% 143% 135% 152% 151% 127% 119%
Capital adequacy ratio 20.6 19.2 18.0 18.1 15.6 9.2 13.0 13.8
Liquid asset ratio 18.8 18.6 22.1 20.6 26.4 33.0 48.5 53
48 UKRAINE Country Report March 2019 www.intellinews.com