Тенденції зміни рівня непрацюючих кредитів у портфелі банків-кредиторів сільського господарства в умовах війни

Abstract

The purpose of the article is to analyze and assess the level of nonperforming loans in the portfolio of the TOP-14 banks that are most actively lending to agriculture. It is substantiated that problem loans of banks should be considered as one of the most important indicators of the state of the economy. The balances of funds on non-performing loans in the total volume of bank loans provided to agriculture in 2023 were analyzed. The main banks – "collectors" of problem loans in agricultural lending have been identified. Banks with the smallest share of problem loans to agriculture are presented. The dynamics of the volume and share of non-performing loans in agriculture in the portfolio of banks included in the study sample is shown. The share of non-performing loans in agriculture in national and foreign currency in the portfolio of non-performing loans of the analyzed banks was determined. It is substantiated that state and most commercial banks prefer lending to agriculture mainly in the national currency. There is an increase in the share of non-performing loans in the whole banking system of Ukraine for the period 2018-2023. On the basis of statistical data, methodological approaches are proposed in the context of the work of banks with bad debts.