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problem banks. There are banks where there are supervisors. The National Bank of Ukraine (NBU) is thoroughly supervising all the banks," he said in the interview. "We monitor those banks that overcharge rates, call the banks' managers. We monitor the state of their capital, their reserve funds. For a number of banks we daily monitor movement of assets within the framework of the early warning system."
Over the past years, the NBU withdrew the licences of more than 100 lenders, in many cases because of involvement in money laundering or for a lack of transparent ownership structure.
The number of banks operating in Ukraine fell from 180 in early 2014 to 82 today. According to the NBU, the number of Ukrainian banks remained unchanged (82 lenders) in January-June. Two banks declared their intention to surrender their banking licenses and turn into financial companies. One bank will merge with another bank that has the same owner. Two other banks have also received the NBU’s authorisation for merger. Once these plans are realised, the number of banks will drop to 78, according to the regulator's August banking sector review. Meanwhile, Vorushilin added that the fund is concerned about the artificial swinging of the situation with banks with Russian capital. "We have fears when they start artificially swinging the situation with certain banks, for example, with Russian banks, where there is the money of Ukrainian depositors. Today, according to my personal estimates, Sberbank is the strongest one of them financially. VTB has a concept of curtailing, while PIB cannot decide on its final concept," Vorushilin said.
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
41 UKRAINE Country Report October 2018 www.intellinews.com