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Creditor protection is one of the key problems for the banking system


Creditor protection is one of the key problems for the banking system. Such opinion was expressed by the first deputy chairman of UniCredit Bank, the head of the committee on monetary and exchange rate policies of NABU, Sergei Manokha, to BTB TV.

"One of the biggest problems is the rights of creditors. Quite often, the courts do not take the side of the lender, but the side of the borrower. This creates a lot of problems when the bank’s guarantees are taken away for reasons that are not completely understood. By the way, this is one of the key problems for the banking system, and in general, for the country's economic development. Lending can develop only when there is a lender’s trust, because if he gives guaranteed funds, this guarantee ensure the loan and in some cases can be claimed. If there is no such trust, there is a problem", - said the banker.

Also, commenting on the loan agreement between Ukraine and Russia, Mr. Manokha noted that after the appearance of this information the situation has changed either on the international financial markets or domestically.

"On the international markets bonds of Ukraine with high yields of 13-14 per cent immediately returned to the level of profitability, which was earlier, when Ukraine took external borrowing from foreign investors... it was a positive factor”, - financier said, adding that the dollar after the information spread about reaching agreement already was trading at 8.25 USD, and in general, the demand for cash currency in banks decreased.

Sergei Manokha noted that borrowed funds are enough to achieve the normal level of foreign reserves.



Ukrsotsbank is one of the largest universal banks of Ukraine, operating in the local market since 1990. The bank offers full range of services to individuals and corporate clients.

The renovated Ukrsotsbank emerged on 31 October 2016 as a result of strategic deal whereby 99.9% of Ukrsotsbank shares have been transferred from UniCredit Group to ABH Holdings S.A. (АВНН) in exchange for a minority 9.9% stake in ABHH. Thus, the bank has combined 26-year-old traditions of Ukrsotsbank’s client-centric attitude, European quality of service inherent to UniCredit, as well as international banking expertise of ABHH in a number of European countries including CIS. Thanks to the successful synthesis and synergy of the two assets of ABHH in Ukraine, Ukrsotsbank and Alfa-Bank, the banking market of Ukraine will see the rise of a new stronger financial institution. This, in turn, will spur up technological advance, increase efficiency, improve quality of service for the clients, reduce cost of banking services whereas their range will inevitably expand.

The extensive retail network of Ukrsotsbank consists of 237 branches, its headcount reaching nearly 5 thousand employees.

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