Banks bad guy is being prepared for distribution

Last Friday, Prime Minister of Ukraine said to be transferred to one of the state bank deposits of individuals, "Rodovid Bank, with a further change to the bank 'bad assets." But experts advise that embody the idea of ??working with the bad assets in the non-banking format. Thanks to the sacrifice "Rodovid Bank government is going in a very short string to derive the bank" Kiev "and UkrGasBank in revenue and successfully sell them. "Precedents embodiment of such a scheme is in the world. But success will depend on the details. The crucial point will be its embodiment in the first place, as it will determine the prices that would move troubled assets from other banks in the" bad "- commented a senior analyst at Concorde Capital investment company Nikita Mickle. The second important point analysts call the existence of a law concerning moving of assets between banks. Senior Analyst, Troika Dialog Ukraine Eugene Grebenyuk believes that successful implementation of this ambitious project, it was worth starting from scratch. That is State first had to establish a bank, and then translate it bad assets from troubled banks at a uniform procedure for all. Thus it is desirable to observe transparency in the sale of good assets at public auction, using proceeds to pay contributions. The game of transferable bad-good assets can be very expensive to do for the country's budget. "When it uses the already existing troubled banks, often these actions are viewed someone's personal interests and not the interests of the whole system," - says Yevgeny Grebenyuk. According to financial market participants, significantly reduce the cost of dumping bad assets can be created for this factoring company. Such an institution will bypass all the formalities are complicating the work. But "Rodovid Bank" will have to balance support for depreciation of assets, and monitor the adequacy of capital, and comply with other standards prescribed by the NBU. In addition, distressed assets must sooner or later written off. The bank can cancel them, only to prove that they are hopeless. It pulls the involvement of the judiciary and the executive service, which is a very long procedure. Otherwise, with write-offs the bank will have to pay taxes. "Best the problem of bad assets dealt with by an independent organization that works on commercial tracks. Do not think of "Rodovid Bank should expect serious progress in this field", - said chairman of the Supervisory Board of the bank "National Credit Andrei Onistrat. According to him, the project will not be able to work effectively, and it is likely that, after 1,5 - 2 years, he again will require a capital increase in a very serious scale. "Organizations established in order to" multiply "the money in the economy, it is difficult to be as effective as the organization specializing in the collection. In addition, it is difficult to predict the success of "Rodovid Bank, as there is no clear understanding of why they are doing. If in order to "throw" all the poser and bury it there, then success will depend on the bureaucratic machine. And if the task - the most outstanding back, here today without the involvement of collection agencies can not do "- the idea of ??criticizing the government director of business development and quality standards of Credit Collection Group Ashot Harutyunyan. According to him, remains a mystery and then, on what the bank will earn. After all, even making "Rodovid" bank non-performing assets, you still have to return money to investors. So, they still have to earn. Supports colleagues and the director of the collection agency Verdict Alexander Kabakov. In his opinion, specialized companies more effectively cope with a portfolio of bad debt to recapitalize the banks. "As far as I know," Rodovid Bank lacks the resources to ensure the recovery from his portfolio ", - stressed Alexander Kabakov. And he adds that" Rodovid Bank will be more expensive to service its own delay. " Having a portfolio of debt, very properly distribute it among collection agencies. First of all, it will provide additional cash flows, and can send them to resolve the situation with deposits and arrears of the main sources of their work "- he says. Lesia Vygovskaya, Economic news