{"id":45765,"date":"2024-02-08T09:49:00","date_gmt":"2024-02-08T07:49:00","guid":{"rendered":"https:\/\/economic.karpat.in.ua\/?p=45765"},"modified":"2024-02-08T07:58:47","modified_gmt":"2024-02-08T05:58:47","slug":"a-fitch-nek-semleges-kilatasai-vannak-az-ukran-bankszektort-illetoen","status":"publish","type":"post","link":"https:\/\/economic.karpat.in.ua\/?p=45765&lang=hu","title":{"rendered":"A Fitch-nek semleges kil\u00e1t\u00e1sai vannak az ukr\u00e1n bankszektort illet\u0151en"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><strong>Az ukr\u00e1n bankszektor jelent\u0151s ellen\u00e1ll\u00f3 k\u00e9pess\u00e9gr\u0151l tett tan\u00fabizonys\u00e1got a h\u00e1bor\u00fa alatt, amit a monet\u00e1ris politika t\u00e1mogat\u00e1sa \u00e9s az enged\u00e9keny szab\u00e1lyoz\u00e1s seg\u00edtett el\u0151 \u2013 k\u00f6z\u00f6lte a Fitch Ratings nemzetk\u00f6zi hitelmin\u0151s\u00edt\u0151 int\u00e9zet, sz\u00e1molt be az Interfax-Ukraine.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u201eArra sz\u00e1m\u00edtunk, hogy a banki hitelez\u00e9s f\u0151 mozgat\u00f3rug\u00f3i meglehet\u0151sen stabilak lesznek 2024-ben, ami meghat\u00e1rozza a szektorra vonatkoz\u00f3 semleges el\u0151rejelz\u00e9s\u00fcnket\u201d \u2013 jegyezte meg az \u00fcgyn\u00f6ks\u00e9g.<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"569\" src=\"https:\/\/economic.karpat.in.ua\/wp-content\/uploads\/2024\/02\/original-2024-02-06t210215081-1024x569.jpg\" alt=\"\" class=\"wp-image-45736\" srcset=\"https:\/\/economic.karpat.in.ua\/wp-content\/uploads\/2024\/02\/original-2024-02-06t210215081-1024x569.jpg 1024w, https:\/\/economic.karpat.in.ua\/wp-content\/uploads\/2024\/02\/original-2024-02-06t210215081-300x167.jpg 300w, https:\/\/economic.karpat.in.ua\/wp-content\/uploads\/2024\/02\/original-2024-02-06t210215081-768x427.jpg 768w, https:\/\/economic.karpat.in.ua\/wp-content\/uploads\/2024\/02\/original-2024-02-06t210215081.jpg 1132w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n<\/div>\n\n\n<p class=\"wp-block-paragraph\">Az Ukr\u00e1n Nemzeti Bank fenntarthat\u00f3s\u00e1gi \u00e9rt\u00e9kel\u00e9s\u00e9re hivatkozva a Fitch megjegyezte, hogy a h\u00e9t min\u0151s\u00edtett ukr\u00e1n bank k\u00f6z\u00fcl hat rendelkezik elegend\u0151 kapitaliz\u00e1ci\u00f3val, \u00e9s csak az \u00e1llami tulajdon\u00fa Ukreximbanknak van sz\u00fcks\u00e9ge t\u0151ket\u00e1mogat\u00e1sra a t\u0151kemegfelel\u00e9si mutat\u00f3 k\u00f6vetelm\u00e9nyeinek teljes\u00edt\u00e9s\u00e9hez.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u201eA t\u0151k\u00e9re vonatkoz\u00f3 kock\u00e1zatok azonban tov\u00e1bbra is magasak a katonai konfliktus \u00e9s annak a bankszektorra \u00e9s a gazdas\u00e1gra gyakorolt hat\u00e1sa miatt. A Fitch \u00e1ltal min\u0151s\u00edtett ukr\u00e1n bankok hossz\u00fa t\u00e1v\u00fa kibocs\u00e1t\u00f3i devizabesorol\u00e1sa \u201eCCC-\u201d, ami egy l\u00e9p\u00e9ssel magasabb az \u00e1llamad\u00f3ss\u00e1gn\u00e1l\u201d \u2013 \u00edrja a kiadv\u00e1ny.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Az \u00e1llami tulajdon\u00fa Ukreximbank (Kijev) t\u0151kemegfelel\u00e9si helyzete romlott: janu\u00e1r v\u00e9g\u00e9n ez a mutat\u00f3 a t\u0151k\u00e9re (H2) 4,2% volt (m\u00edg 2023 \u00e1prilis\u00e1ban 5,93%), az alapt\u0151k\u00e9re pedig 5,93% volt, az alapt\u0151ke szempontj\u00e1b\u00f3l (H3) \u2013 2,1%, (kor\u00e1bban 2,98%), \u00e9s t\u0151k\u00e9s\u00edt\u00e9sre szorul \u2013 k\u00f6z\u00f6lte kedden a Fitch Ratings.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u201eAz \u00e9rt\u00e9kel\u00e9s nem t\u00e1rta fel a szektor nagyar\u00e1ny\u00fa felt\u0151k\u00e9s\u00edt\u00e9si ig\u00e9nyeit, \u00e9s a h\u00e9t Fitch-min\u0151s\u00edt\u00e9s\u0171 bank k\u00f6z\u00fcl csak az egyiknek, az Ukreximbanknak van sz\u00fcks\u00e9ge t\u0151keemel\u00e9sre, hogy megfeleljen a c\u00e9lzott t\u0151kear\u00e1ny k\u00f6vetelm\u00e9nyeinek\u201d \u2013 \u00e1ll a jelent\u00e9sben.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A Fitch arra hivatkozott, hogy az Ukreximbank m\u00e1sodik f\u00e9l\u00e9vi t\u0151kemegfelel\u00e9si mutat\u00f3ja janu\u00e1r v\u00e9g\u00e9n 4,2, illetve 2,1 sz\u00e1zal\u00e9kos szinten \u00e1llt, 10, illetve 7 sz\u00e1zal\u00e9kos minimumk\u00f6vetelm\u00e9nyek alapj\u00e1n. A banknak 2024 okt\u00f3ber\u00e9re 14,2%-ra, 2026 \u00e1prilis\u00e1ra 21,3%-ra kell jav\u00edtania a szab\u00e1lyoz\u00f3i t\u0151kemegfelel\u00e9si mutat\u00f3t, az alapt\u0151k\u00e9t pedig 11,2%-ra, illetve 18,3%-ra.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u201eArra sz\u00e1m\u00edtunk, hogy a bankok j\u00f6vedelmez\u0151s\u00e9ge a t\u0151kejav\u00edt\u00e1s kulcsfontoss\u00e1g\u00fa forr\u00e1sa lesz, \u00e9s tov\u00e1bbra is t\u00e1mogatja a t\u0151k\u00e9s\u00edt\u00e9st 2024-ben&#8230; A j\u00f6vedelmez\u0151s\u00e9g azonban 2024-ben val\u00f3sz\u00edn\u0171leg nem lesz olyan magas, mint 2023-ban, mivel a kamatl\u00e1bak most sokkal alacsonyabbak\u201d \u2013 mondta az \u00fcgyn\u00f6ks\u00e9g.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Eml\u00e9keztetett arra, hogy a tavalyi rekordhozamok seg\u00edtett\u00e9k a szektort, hogy a szab\u00e1lyoz\u00f3i t\u0151kemegfelel\u00e9si mutat\u00f3t 2023 v\u00e9g\u00e9re 21,1 sz\u00e1zal\u00e9kra emelje a 2022 v\u00e9gi 19,7 sz\u00e1zal\u00e9kr\u00f3l.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A Fitch hozz\u00e1tette, hogy a 2023 december\u00e9ben bevezetett rendk\u00edv\u00fcli banki ad\u00f3 lelass\u00edtja a 2022-es nagym\u00e9rt\u00e9k\u0171 tartal\u00e9kk\u00e9pz\u00e9s miatt kimer\u00fclt t\u0151kepufferek helyre\u00e1ll\u00edt\u00e1s\u00e1t.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A t\u0151kemegfelel\u00e9si norm\u00e1k javul\u00e1sa is lelassulhat, ha a jegybank elkezdi visszavonni a h\u00e1bor\u00fas k\u00f6r\u00fclm\u00e9nyek k\u00f6z\u00f6tt a bankok t\u00e1mogat\u00e1s\u00e1ra bevezetett \u00e1tmeneti int\u00e9zked\u00e9seket, b\u00e1r az \u00fcgyn\u00f6ks\u00e9g arra sz\u00e1m\u00edt, hogy a kivon\u00e1s fokozatos lesz.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Az Ukr\u00e1n Nemzeti Bank adatai szerint 2023. november 1-j\u00e9n az Ukreximbank az orsz\u00e1gban m\u0171k\u00f6d\u0151 63 bank k\u00f6z\u00f6tt a 3. helyen \u00e1llt a m\u00e9rlegf\u0151\u00f6sszegben (255,01 milli\u00e1rd UAH).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&lt;!&#8211;translatorid:ild5234 &#8211;&gt;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Az ukr\u00e1n bankszektor jelent\u0151s ellen\u00e1ll\u00f3 k\u00e9pess\u00e9gr\u0151l tett tan\u00fabizonys\u00e1got a h\u00e1bor\u00fa alatt, amit a monet\u00e1ris politika t\u00e1mogat\u00e1sa \u00e9s az enged\u00e9keny szab\u00e1lyoz\u00e1s seg\u00edtett el\u0151 \u2013 k\u00f6z\u00f6lte a Fitch Ratings.<\/p>\n","protected":false},"author":12,"featured_media":45736,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[41,11,39],"tags":[3795,219097],"class_list":["post-45765","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-cikkek","category-kiemelt-tema","category-vilag","tag-fitch-ratings","tag-ukran-bankszektor"],"_links":{"self":[{"href":"https:\/\/economic.karpat.in.ua\/index.php?rest_route=\/wp\/v2\/posts\/45765","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/economic.karpat.in.ua\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/economic.karpat.in.ua\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/economic.karpat.in.ua\/index.php?rest_route=\/wp\/v2\/users\/12"}],"replies":[{"embeddable":true,"href":"https:\/\/economic.karpat.in.ua\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=45765"}],"version-history":[{"count":1,"href":"https:\/\/economic.karpat.in.ua\/index.php?rest_route=\/wp\/v2\/posts\/45765\/revisions"}],"predecessor-version":[{"id":45766,"href":"https:\/\/economic.karpat.in.ua\/index.php?rest_route=\/wp\/v2\/posts\/45765\/revisions\/45766"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/economic.karpat.in.ua\/index.php?rest_route=\/wp\/v2\/media\/45736"}],"wp:attachment":[{"href":"https:\/\/economic.karpat.in.ua\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=45765"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/economic.karpat.in.ua\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=45765"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/economic.karpat.in.ua\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=45765"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}