Unsustainable model have mainly small and medium-sized banks.
Amid falling margins in the banking business in Ukraine a number of financial institutions have unsustainable business model. This was at a conference of the Fund of guaranteeing the deposits of individuals, said the first Deputy head of the National Bank of Ukraine (NBU) Ekaterina Rozhkova.
According to her, banks of the number of medium and small.
“Today we see 15-18 banks, the business model which we believe is unsustainable,” said Rozhkov.
The Deputy head of the national Bank noted that the decline in margins in the banking sector is a worldwide trend.
There are a number of reasons: lower rates, the development of financial technology that little “bite” Bank revenues increasing demands for information disclosure, increasing costs and so on. How you react to banks worldwide, trying to reduce the network to outsource some services to unite with intercompany, etc. unfortunately, in Ukraine we do not see. Our banks live by the principle “want its”, especially small ones: all they want is your processing, your Internet banking, and all his own. ” explained E. Rozhkova.
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