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What needs to be changed in bank's business models
after the crisis?
2015 = crisis ?
2015 the “most difficult year in our history”
but...
"We want to create a new country, free from corruption, with independent courts and the rule of law. We want to
build a new climate for investment"
“Without a substantial new effort to invigorate governance reforms and fight corruption, it is hard to
see how the IMF-supported program can continue and be
successful...
‣ Adverse geopolitical situation
‣ Adverse global economic development
‣ Crises in domestic politics
‣ Threat of losing donors’ support
2016 = worse crises
What are we going to see in 2016 in the banking
sector?
What need to be changed in bank's business models
after the crisis?
2016 = battle & temptation
‣ Battle to survive
‣ Minimum capital requirement
‣ Asset quality review for TOP 20-60
‣ Battle to gain
‣ Redistribution of market between state-owned banks and private banks
‣ After recapitalization temptation to grow balance sheet
‣ Rush into agricultural lending
‣ Search for profitable FCY assets
‣ Increasing the interest rate differential between USD and UAH