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in NPL are damage to or destruction of production facilities or occupation. The lion's share, or 60%, is due to financial difficulties of borrowers that were not directly caused by the occupation or destruction. “These customers have the highest chances compared to others to return to their loan service schedule with the recovery of the economy," - the message says. More than three-quarters of borrowers whose capacity was not affected by hostilities continue to service debt after NPL restructuring, often including the loan body. In general, credit losses are assessed by banks promptly and properly reflected - 55% of the analyzed loans were recognized as being in default before the debt was overdue for more than 90 days.
NPLs % of loan book
Nov 22
Nov 22
Nov 23
ratio of non-performing loans, %
32.65
38.12
37.71
incl. banks:
with state participation, of which:
50.35
53.05
49.83
PrivatBank
70.11
69.21
61.55
state banks ex-PrivatBank
33.78
41.13
41.47
Foreign owned
19.7
18.91
16.49
Privately owned
10.01
23.6
19.06
Insolvent
0
0
0
Source: NBU
76 UKRAINE Country Report February 2024 www.intellinews.com
