As it became known, Kommersant-Ukraine, the bank Delta, specializing in consumer credit, took the corporate business. Changing business models in the bank attributed the decline in demand for loans from the population and the emergence of enterprises have. Bankers note that a specialized retail bank will be difficult to create high-quality structure of the corporate business, and believe that the owners of the Delta re-establishment with the aim of better sales.

co-owner of the bank Delta, one of the leaders of the consumer lending market in Ukraine, Mykola Lagun reported that actively engaged in corporate lending. He intends to bring the share of the corporate banking portfolio in the Delta up to 50%, but is not going to close our retail area. The National Bank has changed the whole attitude to the business of consumer credit, which was our bank (NBU issued him refinance for the amount 700 million UAH), as we effectively manage the repayment of loans - he said .- But the size of the portfolio is reduced - repayment of loans is happening increasingly, than the issuance, and we began to enterprises, which do not lend state bank.

According to the Association of Ukrainian Banks, as of May 1, Bank of the Delta was 28 th place on assets (5547 million UAH) and 36 th by assets (599.7 million UAH). The Bank has issued 2.258 billion UAH of credit to individuals. According to bankers, credit portfolio yurlits UAH 1.187 billion in the Delta has received, kredituya related persons and sales network, in which the bank submitted.
The Delta was created in early 2006 and by the end of 2008 had more than 5 thousand points of sale in the trading networks (has 81 branch). Apart from him, in this market actively worked PrivatBank, Pravex-Bank, Alfa-Bank, Renaissance Capital Bank, Russian Standard, Home Credit Bank, VAB Bank, Index-Bank, Rodovid Bank, Unicredit Bank, finance companies' dogma Ukraine (trade mark Evrokredit ), ProstoFinans and Cetelem, affiliated with UkrSibbank.

But now, according to market participants in the consumer market were only the Delta with 700 points, PrivatBank (500 points) and Cetelem (15 points).

Banks and finance companies are not officially commented on the rejection of consumer lending. Demand in the market sharply declined. Give people money, not knowing that they will return, not, - explained the deputy director of a company .- To make money in this market, you need to have a very strong sales, as well as the costs of issuance and servicing the loan are much higher operating income. The growth of non-heavy, and difficult to manage them. The aggressive policies of retail banks has led to a crisis situation that we are now seeing, - noted the director of retail direction of one of the banks. In the Delta and PrivatBank explain care other players so that they do not have an established system of credit debt.

Decision Delta to reformat a universal bank experts believe correct. There are many businesses that can not obtain loans from other banks. But hard to gather quality corporate team, - said Deputy Chairman of the board of one of the banks. The shareholders of Delta and it was a desire to sell the bank. To make it more attractive for investors to do the bank fully, - said the head of the business to work with traders PrivatBank Roman Neginsky.

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