| Cases of refusal of foreigners from purchase of the Ukrainian banks have become frequent |
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Recently cases of refusal of foreigners from purchase of the Ukrainian banks have become frequent. Recently National Bank of Greece has definitively refused acquisition of Kreditprombanka. Before similar negotiations have been interrupted with Ukrgazbankom, and Erste Bank has refused from «Bank Delta». However, the Greek bank continues negotiations about acquisition of "Rodovid of Bank», however to force the transaction, according to experts, also will not be. The situation shows that the international financial crisis and negative macroeconomic processes in Ukraine have created qualitatively new operational environment for commercial banks. Possible delay of rates of economic growth in the country and high inflation is reduced by prospective incomes of the population, interfere with long-term investments and create uncertainty of economic activities of the enterprises. It can lead to increase in the delayed debts in corporate and retail portfolios of banks. Thus banks as a whole yet have not saved up sufficient experience and means for work with a considerable quantity of the delayed credits, and the legal system and an infrastructure in the country can not cope with potential mass flow of affairs on debts collecting. Simultaneously with it banks have the limited possibilities of financing on foreign markets, cost of loans has increased, гривневая liquidity restrains a regulator that dictates stably high rates in the interbank market, and the bond market depends on astable demand of foreign funds. It is expected that rates of increase of bank system will essentially decrease — from 76 % in 2007 to 30 %-40 % in 2008 Such situation actually brings to nothing possibilities of explosive growth, characteristic for previous years, and does not give possibility for realisation of rather successful business models in the recent past, the banks aimed at fast cultivation on sale. «In these conditions strategy of rapid growth of a filial network (the quantity on 1 thousand inhabitants) and actives is not so obvious and attractive to shareholders and potential buyers of banks in Ukraine, as earlier. It is no wonder that expected transactions on sale of banks to strategic investors have not taken place during the current year as both existing shareholders, and potential buyers reinterpret the approaches», — cообщил «i» the senior banker of the European Reconstruction and Development Bank Alexander Pavlov. An essential role in the course of consolidation and strengthening of bank sector merges and absorption of banks which, in particular, would promote creation of new large local financial institutions could play. However bad fitness of the Ukrainian legislation and подзаконных the certificates regulating practical realisation of similar transactions, interferes with their active development and by that growth of the national Ukrainian banking capital and system as a whole brakes. |