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The results of the first 9 months of 2023 from the Rating Agency "Standard-Rating" indicate that the banking system of Ukraine continued the trend of increasing liquidity and profitability. The highest profitability results were shown by banks that preferred NBU certificates of deposit. In the third quarter of 2023, the quality of banks' loan portfolios stopped declining. As of 01.10.2023, the share of non-performing loans (NPLs) in the banks' portfolio was 37.87% on average across the Ukrainian banking system. As predicted by the agency, the level of NPL in the loan portfolio of banks has stabilised and its further growth is unlikely: under the influence of an increase in the issuance of new loans, this indicator may, on the contrary, gradually decline.
The total profit of the banking system in 2022 was UAH 24.7 billion, and for 9 months of 2023 - UAH 109.9 billion.
TOP-19 banks with the most reliable (attractive) deposits in 9 months of 2023:
- JSC "KREDOBANK"
- JSC "RAIFFEISEN BANK"
- JSC "CB "PRIVATBANK"
- JSC "UKRSIBBANK"
- JSC "CREDIT AGRICOLE BANK"
- JSC "PRAVEX BANK"
- JSC "COMINBANK"
- JSC "PIRAEUS BANK ICB"
- JSC "AB "UKRGASBANK"
- JSC "OSCHADBANK"
- JSC "PROCREDIT BANK"
- JSC "SENS BANK"
- JSC "POLTAVA-BANK"
- PJSC "CB "AKORDBANK"
- JSC "AGROPROSPERIS BANK"
- JSC "UNEX BANK"
- JSC "UKREXIMBANK"
- JSC "BANK CREDIT DNEPR"
- JSC "UBRD"
JSC COMINBANK took the seventh place in the rating. For 9 months of 2023, JSC COMINBANK significantly increased the volume of operations in the domestic banking market. During this period, compared to the same period in 2022, the bank's net interest income increased 4 times. For 9 months of 2023, the bank made a profit after tax of UAH 79.172 million.
It is important that JSC "COMINBANK" maintains a significant margin in terms of capital ratios (N2 - 17.3%, N3 - 17.15%) and was very well provided with liquidity.
As of 01.10.2023, the bank's liquidity ratios were as follows: LCRvv - 310.18%, LCRiv - 317.58% and NSFR - 154.24%.
