An emergency does not affect the banking system
The national Bank reportsthat it remains on guard financial stability and your peace of mind. The Government's decision on the emergency situation throughout the country does not change the order of the banks.
How banks work in the current environment, says in the video, the first Deputy Chairman Ekaterina Rozhkova.
The number of customers in offices has decreased significantly. Some banks have already heeded the recommendations of the Bank - will allow entry only in protective masks and check the temperature of visitors.
"Reference" banks work. Suspended work offices only closed because of the quarantine buildings, and those which have almost no customers. About 75% of all banks ' branch networks continued to operate.
The ATMs are refilled with cash. Problems with the work there. Liquidity is sufficient.
Separately on the relevant complaints and questions from citizens on the work of banks during the quarantine.
Most of the questions to today, the NBU is concerned with two main topics.
The first issue the Bank does not issue dollar-denominated cash from the current account or Deposit.
Our response: the Banks have the right to speak about the reason for the lack of cash. The national Bank has not imposed any exchange restrictions. Shortage of cash was held through the logistics delivery failed currency in Ukraine. But the NBU has already received from overseas party, cash dollar that is needed to support banks. More about this told Deputy Chairman Oleg Chury in the previous video.
The second issue preferential service or "vacation credit".
Our answer: preferential treatment is not forgiveness of debt. This postponement of payment of principal and interest for borrowers whose financial conditions deteriorated.
Banks continue to charge interest for loans. Because parallel banks charge interest on deposits and pay them.
That is, until the action is quarantine, the interest is charged, but they can pay you after the completion of the quarantine.
Preferential treatment need to negotiate with the Bank. To do it remotely. You need to provide proof of job loss, significant reduction of income or cessation of business.
Other topics which are of concern to citizens:
The intensification of the Bank of collectors. NBU asks banks to reorient its collection during this period. In lieu of the requirement to repay the debt, banks should be interested in the financial condition of the client.
The validity of payment cards. The NBU recommended banks to automatically extend the expiry date of the card, if it is over. Some banks have already done it.
The Bank asks to come to the Department for further information. The NBU recommended banks not to do updating information about the client during the quarantine. It can wait. Banks should not suspend the operation of the client on this basis.