Banks lose solvency not because of war - the chairman of the board of Savings Bank Sergey Naumov

The chairman of the board of Savings Bank Sergey Naumov told this in an interview with focus. "However, they (the banks that leave the market - focus) in no way affect the whole system. Systemic banks in Ukraine have withstood the exam. So worry about the stability of the system. They are covered with a state guarantee of 100%, " - said Sergei Naumov.

He noted that customer trust in banks during a difficult 2022 and is now stored due to the fact that banks, as well as before the war, provide customers with the whole range of services. "People (from the moment of invasion - focus) received their money, could transfer funds, use applications. That is, nothing was changed for customers. Yes, in the first months after the invasion were outflow. .

Currently, the restriction on cash is 100 thousand UAH per day, is it not enough? Limitations are quite adequate. The demand for customer withdrawal in the first time after the attack correlated with rocket attacks. After the first attacks, many have removed cash, but with each subsequent attack There were fewer and fewer people to go to ATMs. Everyone saw that banks continue to work and there was no threat to their storage, "says Sergei Naumov.

The Chairman of the Board of Savings Bank also spoke about the impact of war in Ukraine on the volume of non -working loans in banks. "Savings have a good loan portfolio, that is, our customers are quite disciplined. For example, concerning MMSB (micro-, small and medium-sized businesses), we have 11. 6% of a non-serviced loan portfolio. , in safe regions - lower.

During the last three months of last year and one month of the new year, we managed to reduce a percentage of non -working loans somewhat: we have agreed with debtors on restructuring so that they can enter the maturity schedule. We are constantly working with those who are temporarily occupied territories. We have a lot of non -working loans that have been formed from the previous crises to a full -scale war. Yes, NPL growth as a result of war is, but it is not yet uncritical, "Naumov said.

According to him, the total amount of Savings Bank formed for non -working loans of reserves is UAH 12 billion. Earlier, Focus wrote that some banks in Ukraine have announced special credit products for the purchase of generators and other energy-saving energy producers within the state preferential lending program "Available loans of 5-7-9%".

As it was reported, the National Bank of Ukraine on the day of a full -scale invasion of Russia into Ukraine a year ago on February 24 took a number of steps to prevent crisis in the banking sector. Such measures, in particular, were the fixation of the rate at the level of UAH 29.

25 for the dollar, restrictions on cash withdrawal at the level of UAH 100 thousand per day, the ban on the issuance of cash from customer accounts in foreign currency, a moratorium on the implementation of cross -border currency payments.