Condition and dynamics of lending analysis in Ukraine (2011-2013)

Economic Annals-ХХI: Volume 145, Issue 9-10(2), Pages: 15-18

Citation information:
Ostrovska, N., & Hrapko, N. (2014). Condition and dynamics of lending analysis in Ukraine (2011-2013). Economic Annals-XXI, 9-10(2), 15-18. https://ea21journal.world/index.php/ea-v145-04/

Natalia Ostrovska
PhD (Economics),
Associate Professor,
Bukovyna State University of Finance and Economics
1 Manfred Stern Str., Chernivtsi, 58000, Ukraine
n.ostrovscka@yandex.ru

Natalia Hrapko
PhD (Economics),
Associate Professor,
Bukovyna State University of Finance and Economics
1 Manfred Stern Str., Chernivtsi, 58000, Ukraine
nataliya.hrapko@yandex.ru

Condition and dynamics of lending analysis in Ukraine (2011-2013)

Abstract. The state and dynamics of lending in Ukraine in 2011-2013 is analyzed. The changes of loans to residents, non-financial corporations and households according to maturity, economic activities and a variety of currencies are studied. Advantages and disadvantages of trends in bank lending are found. The main problem is high interest rates on loans, particularly for households. The analysis of loan debt in 2011-2013 and status of overdue loans to non-financial corporations are made. The tendencies of bank lending in 2011-2013 have been fetched out as follows: 1) The total number of loans to businesses in 2011-2013 increased. Among the loans granted, the main part was to business entities. 2) As to loans granted to individuals in the study period, their share decreased by 13.3%. 3) There was a decrease in «bad» debts in the reporting period. Theoretical recommendations for bank lending improving by public subsidizing in obtaining credit and tax incentives to borrowers are provided. A direction for further research in this area is represented.

Keywords: Bank; Lending; Credit; Debt; Overdue Loans

JEL Classіfіcatіon: G21

References

1. Hrygorash, T. F., & Pilhui, S. S. (2012). Bank lending in Ukraine: current state, the main problems and solutions. Ekonomichnyi prostir (Economic Space), 62, 119-124.
   Retrieved from http://archive.nbuv.gov.ua/portal/Soc_Gum/Ekpr/2012_62/statti/17.pdf (in Ukr.).
2. Zhukova, N. K., & Zrazhevska, N. V. (2011). Current state of the market of bank loans in Ukraine. Ekonomicnij Casopis-XXI (Economic Annals-XXI), 5-6, 54-57.
   Retrieved from https://ea21journal.world/index.php/ea-v114-12/ (in Ukr.)
3. Kuznetsova, L. V. (2008). Role of bank lending in the financial support of the real sector of Ukraine’s economy. Ekonomichnyi prostir (Economic Space), 20/1,107-115 (in Ukr.).
4. Chyzh, N. M., & Smolych, D. V. (2011). Current status of bank lending in Ukraine. Economichnyi Forum (Economic Forum), 2.
   Retrieved from http://archive.nbuv.gov.ua/portal/Soc_Gum/ekfor/2011_2/63.pdf (in Ukr.).
5. Ashauer, G. (1996). Introduction to banking (Trans. from Eng.). Moscow: Science book (in Russ.).
6. Rose, P. S. (1995). Banking management (Trans. from Eng.). Moscow: Enterprise LTD (in Russ.).
7. Huang, X., Zhou, H., & Zhu, H. (2012). Assessing the systemic risk of a heterogeneous portfolio of banks during the recent financial crisis. Journal of Financial Stability, 3, 193-205.
8. Antypenko, Ye., Nohina, S., & Vizirenko, D. (2011). Effect of modern mechanism of consumer credit economy in Ukraine. Economichnyi analiz (Economic Analysis), 8, 351-354 (in Ukr.).
9. The National Bank of Ukraine (2011-2013). Materials of official web-server.
   Retrieved from http://www.nbuv.gov.ua (in Ukr.)
10. Dugin, I. M. (2008). Consideration of environmental factors in the management of the credit portfolio of commercial banks. Visnyk Natsionalnoho banku Ukrainy (Herald of the National Bank of Ukraine), 6, 32-36 (in Ukr.).

Received 05.08.2014