Another issue of scientific journal Vol.30 No.1 2024 has been published

Ukrainian (UA)English (United Kingdom)

Other Categories

Вхід / реєстрація



We are in Facebook

Votes

How did you find on our site?
 

Business lending analysis during the war: state support programs

Title: 


Business lending analysis during the war: state support programs


Authors: 


Khymych, Iryna
Vynnyk, Tetiana
Tymoshyk, Nataliia


Affiliation: 


Ternopil Ivan Puluj National Technical University 56 Ruska str., 46001, Ternopil, Ukraine


Bibliographic description (International): 


Khymych I., Vynnyk T. & Tymoshyk N. (2023) Business lending analysis during the war: state support programs. Socio-Economic Problems and the State (electronic journal), Vol. 28, no. 1, pp. 30-41. URL: http://sepd.tntu.edu.ua/images/stories/pdf/2023/23kihdpp.pdf


Journal/Collection: 


Scientific Journal "Socio-Economic Problems and the State"


Issue: 


1(28)


Issue Date: 


Jun-2023


Submitted date: 


Apr-2023


Date of entry: 


2-Aug-2023


Publisher: 


Ternopil Ivan Puluj National Technical University


Country (code): 


UA


Place of the edition/event: 


Ternopil


ORCID Id: 


https://orcid.org/0000-0002-2728-2007
https://orcid.org/0000-0002-8390-3613
https://or
cid.org/0000-0003-2089-0648


DOI:


UDC: 


https://doi.org/10.33108/sepd2023.01.030


336.7


JEL: 


E52
G21


Keywords: 


national business
war
credit
lending
concessional loan
state program
banking
banking sector
risks
reserves
capital
profit
relocation
economy of the country
State program «Affordable loans «5-7-9 %»


Number of pages: 


12


Page range: 


30-41


Start page: 


30


End page: 


41


Abstract: 


The peculiarities of business lending in wartime are analyzed in the article. It is determined that crises always have a great impact on business. The crisis affects both negative and positive factors for business development simultaneously. It is found that the war made many adjustments in the national business functioning. The war factor contributes to the significant transformation of national business. It is determined that lending is one mechanism for national companies to provide support. The top-5 largest banks that provided loans to legal entities in Ukraine in 2022 are presented. The dynamics of loans number granted by banks to business entities in 2022 is presented as well as the dynamics of net loans granted to business entities in 2022. The dynamics of the corporate debtors’ working loans and loans provided under the state program “Affordable loans 5-7-9%” is shown. Working corporate loans and realized products (services) in the zone of active military operations in 2022 are presented. It is revealed that the very first stage of changes in banking activity took place in the soft loans market. The structure of concessional loans issued for national business by state and private banks under the state program “Affordable loans 5-7-9%” in 2022 is analyzed. The average amount of the concessional loans issued under the state program “Affordable loans 5-7-9%” for different banks is compared. It is determined that the average amount of the preferential loan by banks amounted to UAH 2.83 million. JSC “Ukreximbank” took the leading position in issuing soft loans for national business (UAH 7.28 million). Since the beginning of the war, banks have issued concessional loans in the amount of more than UAH 36.50 billion to support national business, their total amount is UAH 126.00 billion. It is determined that the country’s banking sector is operationally profitable. The presence of a risk of the overall profitability loss due to the urgent need to form reserves is revealed. Therefore, the main factor affecting the reduction of banks' capital is the presence of credit risk.


Sponsorship: 


The authors received no direct funding for this research.


URI: 


http://elartu.tntu.edu.ua/handle/lib/42447


ISSN: 


2223-3822


Copyright owner: 


Scientific Journal "Socio-Economic Problems and the State"


URL for reference material: 


http://sepd.tntu.edu.ua/images/stories/pdf/2023/23kihdpp.pdf
https://forinsurer.com/rating-banks.
https://www.unian.ua/economics/finance/biznes-i-viyna-yak-banki-kredituyut-pidpriyemstva-u-vazhki-chasi-novini-ukrajina-11776773.html.
https://bank.gov.ua/ua/statistic/supervision-statist.
https://bank.gov.ua/admin_uploads/article/FSR_pr_2022-H1.pdf?v=4.
http://www.agrosvit.info/pdf/5-6_2022/4.pdf.
https://finclub.net/ua/infographica/yak-rozdaiutsia-pilhovi-kredyty-pid-chas-viiny.html?fbclid=IwAR0OtXIryFlXGZRbFnnrHPf4aNe3u9uZlTz5NbCsRg1ovYue_YITSLdns0w.
http://ei-journal.in.ua/index.php/journal/article/view/509/495.
https://doi.org/10.26565/2524-2547-2022-63-14.
https://periodicals.karazin.ua/soceconom/article/view/20864/19673.

https://www.unian.ua/economics/finance/stvorennya-nadiynogo-tilu-yak-pracyuye-derzhavna-programa-relokaciji-biznesu-novini-ukrajina-11771461.html.


References (International): 


1. Forinsurer. Reitynh nadiinykh bankiv Ukrainy 2022 [Forinsurer. Rating of reliable banks of Ukraine 2022]. Website. Available at: https://forinsurer.com/rating-banks (accessed 05 November 2021) (in Ukrainian).
2. Zhyriiy, K. (07.04.2022). Biznes i viina: yak banky kredytuiut pidpryiemstva u vazhki chasy [Business and war: how banks lend to businesses in difficult times]. Available at: https://www.unian.ua/economics/finance/biznes-i-viyna-yak-banki-kredituyut-pidpriyemstva-u-vazhki-chasi-novini-ukrajina-11776773.html (accessed 07 November 2021) (in Ukrainian).
3. Natsionalnyi bank Ukrainy [National Bank of Ukraine]. Website. Available at: https://bank.gov.ua/ua/statistic/supervision-statist (accessed 10 November 2021) (in Ukrainian).
4. Natsionalnyi bank Ukrainy. Zvit pro finansovu stabilnist (21.06.2022) [National Bank of Ukraine. Financial Stability Report (21.06.2022)]. Website. Available at: https://bank.gov.ua/admin_uploads/article/FSR_pr_2022-H1.pdf?v=4 (accessed 18 November 2021) (in Ukrainian).
5. Ruda, O. (2022). Bankivskyi nahliad ta yoho vplyv na bankivsku systemu Ukrainy [Current state of the banking system of Ukraine in the context of banking supervision]. Ahrosvit – Agrosvit. Vol. 5-6. P. 15-23. Available at: http://www.agrosvit.info/pdf/5-6_2022/4.pdf DOI: https://doi.org/10.32702/2306-6792.2022.5—6.15 (accessed 16 November 2021) (in Ukrainian).
6. Sadovnychyiy, V. (23.06.2022). Yak rozdaiutsia dostupni kredyty pid chas viiny [How available loans are distributed during wartime]. Available at: https://finclub.net/ua/infographica/yak-rozdaiutsia-pilhovi-kredyty-pid-chas-viiny.html?fbclid=IwAR0OtXIryFlXGZRbFnnrHPf4aNe3u9uZlTz5NbCsRg1ovYue_YITSLdns0 (accessed 17 November 2021) (in Ukrainian).
7. Sysoenko, I., & Karliuka, D. (2022). Analiz osnovnykh finansovykh pokaznykiv diialnosti bankiv Ukrainy [Analysis of main financial indicators activities of banks of Ukraine]. Pidpryiemnytstvo ta innovatsii – Entrepreneurship and Innovation. Vol. 23. P. 132-137. Available at: http://ei-journal.in.ua/index.php/journal/article/view/509/495 DOI: https://doi.org/10.37320/2415-3583/23.22 (accessed 19 November 2021) (in Ukrainian).
8. Shvayko, M., & Mykysha, A. (2022). Suchasni tendentsii rozvytku bankivskoi systemy Ukrainy [Current trends in the development of the banking system of Ukraine]. Sotsialna ekonomika – Social Economics. Vol. 63. P. 145-155. Available at: https://periodicals.karazin.ua/soceconom/article/view/20864/19673 DOI: https://doi.org/10.26565/2524-2547-2022-63-14 (accessed 15 November 2021) (in Ukrainian).
9. Shvartc, D. (03.04.2022). Stvorennia nadiinoho tylu: yak pratsiuie derzhavna prohrama relokatsii biznesu [Creating a reliable rear: how the state business relocation program works]. Available at: https://www.unian.ua/economics/finance/stvorennya-nadiynogo-tilu-yak-pracyuye-derzhavna-programa-relokaciji-biznesu-novini-ukrajina-11771461.html (accessed 17 November 2021) (in Ukrainian).


Content type: 


Article


Appears in Collections:


Scientific Journal "Socio-Economic Problems and the State", Vol.28, No.1

pdf

 

Journal is indexed by:

google_scholar
elartu_en
wiki_en

Other useful links:
pbn
Пошук у EBSCO
 

Google translate

Ukrainian English French German Polish Russian