Rating Ukrainian mabhanga maererano mwero rakavimbika nokuda 2016

Ratings kuti mabhanga muUkraine vari kunyora Quarterly uye gore-mugumo. Anoritsanangura kunogona kurondwa kusvikira nezvemaitiro inokosha iri Kushanduka musika mari, kuziva makambani kupfuura kubudirira uye akatambudzika. Maererano kwokupedzisira zvawanikwa 2016 vanoratidza zvakanakisisa kuita masangano rinotsigirwa vatorwa guta. Pakati 50 kupfuura masangano zvemari munyika kunozivikanwa sendarama rakavimbika , "Credit Agricole Bank".

Kuongorora mamiriro ezvinhu

Kushanda ezvinhu zviri oma kwazvo Ukrainian rwezvemabhengi pamusika okupedzisira 2 years. Izvi kufurirwa zvinhu zvitatu. Chekutanga, hurumende akarasikirwa kudzora chikamu nharaunda kwakaita kuti kutadza pamusoro pamahombekombe anokwereta uye anondibatsira. Avhareji iri 15-20% of zvachose chikwereti Portfolio.

Chechipiri, Hryvnia devalued neinopfuura ka3 akaita yokumwe kuchinjana chikwereti SERVICING anenge shamisa. Kunyange vaya anokwereta vanoda kuvabhadhara. Pakazopera 2016 (maererano National Bank rweUkraine), 47,8% yemutoo wezvikwereti zvose zvaiva mari. Izvi yakaenzana mabhiriyoni 327 Hryvnia. Zviri mari izvi kunofanira kubatsira mabhanga kudzoka yakaenzana bhiriyoni 404 Hryvnia deposits dzimwe mari.

Chechitatu, kuderera mune upfumi chaiyo (kunyange OMR nemashoko) uye nokusimuka kwemabasa vane inokanganisa zvikwereti.

zvireruke

Under izvi ezvinhu, chikuru zvinoita sei kuvimbika mabhanga ndiwo:

• Chido shareholders kuti vabatsire sangano pabasa mubhizimisi (iyo inosanganisira pamutanhiko).
• Chishuvo National Bank rweUkraine mari kuitira kuti aponese mabhanga.
• Mukana kuita kudaro.

The yakakura muhari, kunonyanya chido kumubatsira, asi zvikuru mari inodiwa hwokuponesa zvemari.

Large mapoka vatorwa rwezvemabhengi

Nepo izvi chakavimbika kupfuura Banks Ukraine, vakaratidza akanakisisa mumusika renyika. Strong nzvimbo akasiyana masangano dzinotevera zvake ari European boka, "Raiffeisen Bank Munthanai", "UkrSibbank" (BNP Paribas), "OTP Bank", "Credit Agricole Bank", "Kredobank" (PKO BP), "ProCredit Bank", "Pravex Bank "(Intesa)," pfungwa Bank "(Getin).

Zvisinei, kunyange pane simba ruvara boka iri: European masangano anenge ose kutengesa ayo kuUkraine zvinhu. Panguva iyoyowo yokupedzisira kutengesa Ukrainian kana Russian varidzi kare kwakaita kuti kusauka ane makore mashoma. Somuenzaniso, izvi zvakaitika kunetseka wokuUkraine mabhanga zvakadai, so "Forum" uye "Kreditprombank".

Zvisinei, nyanzvi musafunga 4 makambani mari kupa rubatsiro kune huru yemakambani vatengi chete: "Ing", "City", "Deutsche Bank" SEB. Bank "Credit Europe" (muboka vakanyorwa muNetherlands, kuva vanhu - vagari Turkey) Uyewo caters kuti diki uye svikiro mabhizimisi, asi kwete vanhu.

zvinokonzera njodzi

Musi kureva kuti Ukrainian mabhanga anazvo nemakambani vatorwa, kunetsekana kunyika yaigara dambudziko. Izvi zvinonyanya kuitika mumasangano kubva Russia, Greece uye Cyprus. Russia iri pasi zvirango dzakawanda, kutambura unopinza nokuwa mune simba mitengo uye kuderedza kwayo mari. Greece ari zvoupfumi kwemakore 10 apfuura uye kwakamboitwa muzhizha ra2015 rava zvikuru kurambidzwa rwezvemabhengi kwema kuti vagari vemo. Kupro muna 2013, akabata "nokubatanidzwazve" pakati deposits ari mabhengi mbiri munyika guru, achitsiva chikamu mari kuti makambani mumigove vari anenge maturo.

Naizvozvo, mano mabhanga kubva kunyika idzi kubatsira Ukrainian dzakabatana avo ramangwana zvinomutsa mibvunzo. Full pamazita nemabhangi wokuRussia guta: "Ukrsotsbank", "Prominvestbank", "Sberbank kweRussia", "Alfa-Bank", "VTB Bank", "Vieste Bank", "Forward". Pakazosvika masangano wokuGirisi uye Cyprus vari: "Bank Universal", "muPiraeus Bank ICB", "Marfin Bank".

Mukuru ichakurudzira izvi Banking mapoka - kuramba mukurumbira wayo pamisika pamusoro Central uye Eastern Europe - unokubvumira kuisa yakaderera pane deposits zvichienzaniswa omunharaunda mabhanga. Ukrainian "mwanasikana" kuti kusauka anogona kuparadza kuti mukurumbira.

Ukrainian mabhanga

Ukrainian mabhanga ehurumende anazvo havasi zvakanaka chimiro. Zvisinei, hurumende uye National Bank vari kuedza kutsigira navo munzira dzose zvichibvira. Muna 2015, hurumende inenge yashandiswa anenge mabhiriyoni 20 Hryvnia iri mvumo guru Oschadbank, "Ukreximbank" uye "Ukrgasbank", uye ini chikamu 2016 zvatowedzera yakanangana anopfuura mabhiriyoni 14 Hryvnia.

The soro kureva kuti Ukrainian mabhanga kuti ndezvaMwari private guta, mune zvinotevera mapoka: BNP Paribas, Credit Agricole, PKO BP ( "Kredobank"). Dzavo chikwereti Rating ndiyo mari: A1-A3 (soro avhareji).

A mukuru pamwero rakavimbika vari Banking boka Intesa ( "Pravex Bank") uye Raiffeisen, zvikwereti rating, zvakare, ndiko mubhizimisi: Baa1, Baa2 (pazasi avhareji). Zvikuru zvinzvimbo mune kureva kuti Ukrainian Banks OTP uye Procredit makambani. A zvakanaka ndechokuti mari chikwereti Rating Procredit musi BBB (Baa2 nerokuti). OTP chikwereti Rating ndeimwe pamwero pazasi mari Ba2, BB +.

Mazita chakavimbika kupfuura mabhanga

List kuti mabhanga muUkraine iri rinotungamirirwa "Credit Agricole Bank". Kwenguva refu chinzvimbo ichi chakabatwa "UkrSibbank". Top gumi masangano zvemari zviri sezvinotevera:

• The soro pamwero rakavimbika pana Credit Agricole makambani (1st nzvimbo), "Raiffeisen Bank Munthanai" (2) uye Oschadbank (3).
• High mumatunhu ratidza "Kredobank" (4) "Ukreksimbank" (5).
• In pakati pamusoro gumi, "UkrSibbank" (6) "Citibank" (7) uye "ProCredit Bank" (8).
• Yakakwana Kuvimbika pamwero Y "UKRGAZBANK" (9) "UKRSOTSBANK" (10).

Maitiro

Private Ukrainian mabhanga yokupedzisira 8 makore havakwanisi shure. 01.01.2015 Chimwe gore maererano NBU pakati kupfuura masangano "Delta Bank" (zvino kusauka) rwaigara 4th nzvimbo tichitarisa yesangano, "Nadra Bank" - 11, "Finance uye Credit" - 13. Ndiani pakati boka 14 pemahombekombe pakukura, vaviri chete Ukrainian anazvo oga shareholders. 100% bankruptcies mumakore 10 apfuura - a private Ukrainian mabhanga.