Growth in corporate lending bank can reach 15%

Priorities in lending by banks were determined on the basis of the dynamics of the economy and quality of service credit borrowers in 2008-2009. And interviewed bankers insist that their loans based on the current year "light" not for everyone. Food priority "undisputed leader in the rating of priorities for most banks is now the agroindustrial complex, demonstrated the increase in production during the crisis. In agriculture and food industry, the priority is the public sector, metallurgy and Trade", - said director of corporate lending department of Alfa-Bank ( Ukraine) Irina OISkorohodova. It is they who, according to bankers will be able to serve our relatively expensive loans. "The most promising industries with higher growth potential compared to the average level in the economy, real assets, as well as having a low debt burden," - says the head of the analysis of financial markets, "ING Bank Ukraine" Alexander Pecherytsyn. But the deputy chairman of the Board, Director of Corporate Business VAB Bank Alex Salivon among the priority sectors of the calls as chemistry and engineering. "A more interesting in 2011 will be the producers who need to invest in upgrading production facilities," - adds Prazhak Patrick, director of corporate business, "Erste Bank". However, the chairman of the Supervisory Board of bank "Center" Alexander Okhrimenko along with construction engineering refers to the list of industries outsider. Mashinostroitel lending unprofitable. They need a "long" loans and at the same time they always have problems with selling products, "- he said. Little chance of obtaining loans and car dealers. Almost none of them startups, and in any industry. Pledge as a pass, however, belong to a particular industry, as the precise Irina Skorokhodova is not a sentence. Mainly in the decision for most banks is the financial condition of the potential borrower, its ability to serve the credit and good reputation. Other parameters depend on the loan is from these figures. In the case of all listed banks are even willing to make concessions to customers. Especially if the borrower makes a quality guarantee. Depending on the length of the loan size and mortgage rates may vary by ten or more percentage points. "The measure of concessions depends also on the amount of client cooperation with the Bank on non-credit products," - adds Artem Baranov, head of corporate business, "ProCredit Bank". The most high-quality collateral in this case is a bank deposit. Next in order of liquidity is the real estate. As an additional security may be considered goods in circulation, as well as property rights to the rescue. However, the lending company's turnover is very risky. Accordingly, rates are as high as crediting period - the shortest. "The loan terms depend on the structure and substance of the transaction. So, working capital funding up to one year, investments - up to five years or more," - comments Prazhak. Disloyal percentage of large corporate clients in some cases, may qualify for a more loyal to the conditions (ranging from 12%). According to forecasts of bankers during the current year, rates on corporate loans at large will gradually decline. During the first six months may lower rates to an average of 15-18% of the market. Until the end of the year they could drop to 14-17%. Dimensions rates will depend on the cost of resources and maintain the positive macroeconomic trends. However, says Mr. Okhrimenko, the main factor for borrowers now becomes the rate on the loan and the terms of assessing collateral. Indicate the bankers and the scarcity of financially sound borrowers, imperfect legislation regarding the protection of creditors' rights and the opacity of the Ukrainian courts. "The weak point in the development of corporate finance is a" debt load "of many Ukrainian enterprises and non-transparent business", - said Patrick Prazhak. That banks have the bulk of portfolios of bad debts this year, forcing them to lay the losses of previous periods in the interest rates on new loans. Which, of course, will not fail to affect the activity of the creditors. "Since the existence of problematic loans affects a number of prudential regulations of banks, the restrictions would apply mostly to the boundary size of loans" in one hand, as well as the total loan portfolio of the banking institutions ", - says Director of the Department's active operations PAO" JSCB "Kyiv" Eugene Sobolev. According to the forecasts of market participants, the output of the banking system to pre-crisis level of corporate lending is possible not earlier than the second half of 2012 "In a continent of economic development scenarios for the increase in lending to enterprises is possible within 10% of the market", - predicts Alex Salivon. If the rate of economic growth will lead to current projections, the rate of growth in lending by the end of the year and could reach 15%. However, according to official statistics the NBU, the level of corporate credit is already much higher than before the crisis. Ruslan Kislyak on materials Economic News