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Приватбанк проведет массовую реструктуризацию кредитов физлиц.

Приватбанк проведет массовую реструктуризацию кредитов физлиц.

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by Ноябрь 12, 2018 Новости

Приватбанк решился на реструктуризацию кредитного портфеля физических лиц, сформированного до национализации. 

Акция будет массовой — реструктуризации подлежат почти 300 тысяч кредитных договоров с общей задолженностью перед банком порядка 48,5 млрд грн. Те клиенты, которые на условия реструктуризации согласятся, смогут наконец избавиться от отягощающих их обязательств перед банком, а те, кто не пойдет на сделку, скорее всего, тоже ничего не потеряют, так как в итоге банк планирует всю эту задолженность списать в счет сформированных резервов. И с одной стороны, показательно, что спишут в итоге кругленькую сумму, и в который раз в этой стране сотни тысяч людей убедятся, что долги отдают только трусы. Но не менее красноречивы и причины, по которым эта кругленькая сумма образовалась, ведь ее 75% — это не сами кредиты, а пеня и комиссионные, щедро насчитываемые банком, причем далеко не всегда оправданно. Этот кейс — прямое следствие неумения работать в розничном сегменте, отсутствия опыта и навыков взаимодействия именно с клиентом-физлицом. И речь не только о самом крупном розничном банке страны, эта проблема актуальна для всех без исключения украинских банков, просто Приватбанк уже решился с ней разобраться, а остальные пока медлят.

Почём долги?

Общий проблемный розничный портфель Приватбанка — это 87,7 млрд грн и свыше 950 тыс. договоров. Объемы колоссальные даже с учетом размеров банка и меркнут лишь на фоне объемов проблемного корпоративного портфеля. Из 87,7 млрд грн реструктуризации подлежат 48,5 млрд, или 294 тыс. кредитных соглашений. В пул попала только задолженность, возникшая до 19 декабря 2016-го, то есть до национализации Приватбанка, при этом были исключены кредиты, выданные жителям оккупированных и аннексированных территорий, кредиты военнослужащим, нерезидентам, кредиты под поручительство, сделки с признаками мошенничества и проч. Что показательно, только 12,3 млрд грн из 48,5 млрд — это балансовая задолженность, включающая тело кредитов и проценты по ним, остальные 36,2 млрд грн — это не балансовая задолженность — штрафы, пеня и комиссии.

Приватбанк честно признается, что в ходе массовой реструктуризации рассчитывает взыскать порядка 20% задолженности. Остальные средства, по всей видимости, придется списать в счет сформированных резервов, конечно, после соответствующего решения его акционера, то есть Минфина.

Клиентов, которым будут предлагать различные варианты реструктуризации, разбили на группы: потребительское кредитование, розничные кредиты и кредиты малому и среднему бизнесу. Их львиная доля, свыше 31 млрд грн задолженности, — это беззалоговые розничные кредиты. Те самые кредитные карточки Gold и VIP, которые банки щедро раздают клиентам на каждом углу, кредиты “на всякий случай”, “экспресс”-кредиты, “быстрые” кредиты, “кэш”-кредиты, рассрочки, оплаты частями и прочее.

Есть в розничном портфеле и кредиты малому и среднему бизнесу, общий их объем, правда, намного скромнее — 8,4 млрд грн (16 тыс. договоров), причем реструктуризации подлежат только 2,2 млрд грн (8,3 тыс. договоров). В основном это овердрафты, бизнес-рассрочки, микрокредиты, гарантированные платежи и авто в рассрочку.

Условия реструктуризации привлекательные, например, если клиент согласится реструктуризировать розничный беззалоговый кредит с задолженностью в 30 тыс. грн одним платежом, то вернуть банку ему надо будет только 13 тыс. грн (то есть тело кредита и проценты), и банк простит клиенту 17 тыс. грн пени и штрафов, то есть свыше 55% долга.

Если же речь идет о беззалоговом кредите, выданном юридическому лицу, то при общей задолженности примерно в 500 тыс. грн (62,5 тыс. — тело, 162,2 тыс. — процентов, 28,5 тыс. — комиссии и 244 тыс. — пени) при реструктуризации в один платеж клиенту надо будет вернуть банку только объем тела кредита — 62,5 тыс. грн, остальное банк ему простит с процентами включительно.

Сложно не заметить, что условия реструктуризации для малого и среднего бизнеса предлагаются выгоднее, чем для физических лиц. Да и когда речь идет о рознице чистой воды, то насчитанные пеня и проценты составляют 75% всех долгов, а если посмотреть на структуру долгов физлиц-предпринимателей и малого бизнеса, то пеня и штрафы там составят только 50% долга. Получается, что банк к мелким предпринимателям лояльнее не только на этапе реструктуризации, но и в момент выдачи кредита. Это во многом объясняет причину возникновения токсичного кредитного портфеля физлиц.

Почему долги?

Украинский банковский сектор, давайте признаем, не умеет работать с розницей. Потребительский сегмент кредитования годами игнорировался банками, считался неперспективным и побочным. С 2008 г. доля кредитов физлицам в общем кредитном портфеле банков планомерно сокращалась с 36,4 до 15,7% в 2016 г. На тот момент в соседней Польше доля кредитования физлиц, напротив, из года в год росла, достигнув 60% в общем кредитном портфеле банков. И пока украинские банкиры все силы бросали на кредитование корпоративного бизнеса, зачастую принадлежащего собственникам этих же банков и их друзьям, их польские коллеги корпоративное кредитование сокращали — вдвое с 1996-го, до 41% общего кредитного портфеля.

Избыточное корпоративное кредитование во многом и спровоцировало тот финансовый кризис, который пережили украинские банки. В итоге те, кто устоял, в новую эру входят с огромными портфелями токсичных корпоративных кредитов и с полным отсутствием каких-либо навыков работы с физическими лицами. И ирония в том, что на сегодняшний день каждая гривня, выданная в кредит физическим лицам, дает банкам процентных доходов вдвое больше, чем гривня, выданная корпорациям, но банки упорно не замечают этого. Несмотря на то, что сегмент потребительского кредитования на сегодняшний день чуть ли не единственный, который может развиваться и имеет наибольший потенциал для роста, динамика этого роста обескураживает: 15,7% от общего кредитного портфеля банков в 2016-м, 17% — в 2017-м, 17,7% — по итогам первого полугодия 2018-го. И когда регулятор говорит, что побаивается пузыря в розничном кредитовании, невольно удивляешься. А потом вспоминаешь, как украинские банки работают с розницей, и понимаешь, что пузырь возможен даже при жалких 18% портфеля.

В прошлом году USAID в рамках проекта “Трансформация финансового сектора” проводил исследование рынка потребительского кредитования в Украине. Для исследования был выбран метод “тайного покупателя”, то есть исследователи посещали банки под видом клиентов и имели возможность оценить реальный уровень предоставляемых услуг.

Активно потребительское кредитование развивает десяток украинских банков из 70 работающих на рынке, лидирующие позиции стабильно занимают пять крупнейших, остальные даже не пытаются бороться за потребителя. Тайные покупатели, посетив финучреждения, обнаружили, что отношение банкиров к клиентам-физлицам, мягко говоря, партнерским и прозрачным не назовешь. Например, банки зачастую не сообщают клиентам основные условия сотрудничества — конечную стоимость кредита, реальную процентную ставку, наличие в продукте дополнительных комиссий. Менеджеры отделений не всегда могли и хотели объяснять тайным покупателям все эти тонкости, более того, только в 15% случаев они позволили потенциальным заемщикам взять с собой копии кредитных соглашений, чтобы ознакомиться с ними дома.

Те договоры, которые тайные покупатели в итоге смогли вынести из отделений украинских банков, их ужаснули. Почти 55% соглашений содержали условия, нарушающие право заемщика вернуть кредит досрочно, свыше 50% — навязывали заемщику дополнительные условия, почти 50% — оставляли за банком право в одностороннем порядке менять любые условия договора, свыше 30% — не содержали детального описания общей стоимости кредита, а 17% — вообще не имели графиков платежей.

По сути банки собственноручно создают предпосылки для отказа клиента обслуживать его кредит. Ведь если при заключении договора человеку обещали одну стоимость кредита, а в итоге она выросла, если клиента “наказали” за попытку вернуть кредит раньше срока, если условия его договора с банком изменились без его ведома, желание не обслуживать такой кредит можно понять. Тем более что это никому ничем не грозит.

“Если физическое лицо не обслуживает должным образом свой кредит, последствия в основном касаются его взаимоотношений с кредитором, — объяснил ZN.UA адвокат ЮФ “Ильяшев и Партнеры” Александр Выговский. — В частности, банк может применить штрафные санкции, взыскать предмет залога, предъявить претензии поручителю. Информация о фактах просрочки по кредитам и дефолте заемщика может передаваться банком в бюро кредитных историй и в дальнейшем может стать причиной отказа банка в выдаче нового кредита или обусловить его выдачу на гораздо более обременительных для заемщика условиях. В Кредитный реестр НБУ информация о таком заемщике может попасть, только если сумма задолженности по кредитной операции составляет не менее 100 минимальных зарплат, то есть на данный момент 372 300 грн. И только после попадания в Кредитный реестр НБУ другой банк сможет узнать о плохой кредитной истории заемщика. Каких-либо ограничений на передвижение, например, сама по себе невыплата кредита не обусловливает. Даже если против нерадивого заемщика будет вынесено судебное решение о взыскании суммы долга, начато исполнительное производство, и он будет занесен в Единый реестр должников”.

В итоге банки, убежденные, что клиент-физлицо их обязательно обманет, работают на опережение, компенсируя возможные риски различными скрытыми комиссиями, а когда клиент, узнав об этом, отказывается обслуживать кредит, вместо поиска компромисса банк добавляет к его задолженности еще комиссий, пеней, штрафов. А спустя какое-то время финучреждение понимает, что штрафов и пеней накопилось столько, что избавиться от этого груза иначе, как списав, просто не возможно. И до тех пор, пока украинские банки не изменят свое отношение к клиентам-физлицам, не трансформируют практики работы, не станут более открытыми и ориентированными не только на корпоративный бизнес, но и на “физиков”, проблема не разрешится.

О том, насколько банки хотят быть понятными клиентам, говорят и сами планы реструктуризаций. Приведем пример самого Приватбанка. Если клиент согласится погасить кредит в один платеж при общей сумме задолженности по договору 30759 грн (11,6 тыс. — тела кредита, 2 тыс. — процентов, 15,5 тыс. — пени и 1,5 тыс. — штрафов), то сумма выплаты составит 13008 грн, а простит ему банк 17,7 тыс. грн. Пока все сходится. Но если клиент решит, что будет возвращать долг в течение трех или шести месяцев, сумма его выплаты банку возрастает, а сумма “прощения” при этом не меняется. Почему?

Еще любопытнее ситуация становится, если клиент выбирает годовой план реструктуризации: он должен будет заплатить банку 18,3 тыс. грн, при этом ему простят 14,5 тыс. То есть 30-тысячный долг клиента вырастет почти на 3 тыс., и что любопытно, выйти на эту цифру самостоятельно не получается, даже если добавить к сумме возврата заложенные банком 13–16% годовых. То есть что какие-то расчеты банк все еще не хочет объяснять клиентам, и если учесть, что при выборе двухгодичного пакета погашения 30-тысячный долг клиента вырастает уже до 37 тыс., то хотелось бы понять, какие именно.

При этом планы реструктуризации для малого и среднего бизнеса ничего подобного не предполагают, — независимо от того, решил клиент возвращать долг в течение трех месяцев или двух лет, сумма задолженности не увеличивается. Как ни крути, но отношение банка к бизнесу, даже если речь идет и о микропредприятиях, лучше. Даже Приватбанк, в отличие от остальных, решившийся на массовую реструктуризацию кредитов физлиц, надлежащие выводы из ситуации сделал едва ли.

* * *

Впрочем председатель наблюдательного совета Приватбанка Энгин Акчакоча в своем ответе на запрос ZN.UA уверил нас, что нынешняя реструктуризация — лишь первый шаг на долгом пути, сигнал о том, что система будет меняться:

Энгин Акчакоча

ICU

— Я бы сдержанно отнесся к оценке влияния программы Приватбанка по реструктуризации проблемной задолженности, анонсированной 5 ноября, на финансовые показатели Приватбанка и тем более на показатели финансовой системы Украины, но я понимаю важность предпринимаемых усилий и ответственность наблюдательного совета за принятые решения.

Уровень проблемных (или неработающих) кредитов в Украине составляет на 1 октября 2018 г. 54,1% всех банковских активов, и сокращение его на доли процента объясняется более высокими темпами выдачи новых кредитов всей банковской системой, в частности, с начала года Приватбанк увеличил свой кредитный портфель почти на 13 млрд грн.

Мы приветствуем принятие законов о банкротстве физических лиц и защите прав кредиторов, расширяющих права кредиторов по возврату проблемных кредитов, и ожидаем их корректной имплементации с тем, чтобы получить однозначное толкование новых положений в судах всех инстанций.

Но я считаю, что далеко не все взаимоотношения между кредитором и заемщиком можно разрешить в зале суда: судьи выражают определенную правовую позицию в типовом кредитном деле, но не будут вникать в детали и предлагать взаимоприемлемые варианты для обеих сторон. Приватбанк приступил к решению проблем неработающих кредитов по принципу step-by-step, сделав первые решительные шаги навстречу своим клиентам.

На протяжении последнего года мы ощущали огромный спрос со стороны клиентов розничного и малого бизнеса, которые хотят урегулировать свои взаимоотношения с банком и восстановить репутацию добросовестных клиентов, но не могут этого сделать в силу инертности сложившейся практики. В Украине, в отличие от других стран, привычные банковские термины “реструктуризация”, “урегулирование”, “списание”, “прощение” имеют отнюдь не экономическое значение, наверное, поэтому практически отсутствуют в практике государственных банков. Но проблема NPL остается.

У Приватбанка доля неработающих кредитов составляет 84,5%, и мы понимаем, что решить эту проблему имеющимся инструментарием невозможно. Мы проводили много консультаций и аналитической работы, просчитывали варианты и затраты, в том числе на работу коллекторов. Предложенная программа реструктуризации — не уступка сотням тысяч клиентов, а четкий просчет экономически оправданного алгоритма работы финансового учреждения, исходя из оценки финансового положения заемщика и перспектив юридической работы с задолженностью. Речь в большей степени идет о проблеме накопившихся штрафов и пеней, объем которых многократно превышает сумму самих кредитов и начисленных процентов. Это средства, которые невозможно взыскать с заемщика из-за его финансового положения или отсутствия залогов. Наличие таких обязательств лишь искажает реальное финансовое состояние банка.

Я бы весьма сдержанно говорил об экономическом эффекте предложенной программы: когда она будет имплементирована, Приватбанк уменьшит портфель розничных проблемных кредитов на 10%. Для нас более важными являются создание качественно новых методик и практик, наработка практического опыта работы с токсичными клиентами, что называется, “в полевых условиях”, и, наконец, нам важна обратная связь со стороны остальных банков, прежде всего государственных. Мы даем им сигнал: нет неразрешимых проблем, если эти проблемы рассматриваются должным образом и адекватно.

Мы знаем, что подобная практика применялась и применяется во всем мире многочисленными банками и органами, ответственными за урегулирование проблемной задолженности в рамках мероприятий по внесудебному взысканию долгов.

Мы понимаем, что далеко не все клиенты Приватбанка готовы будут воспользоваться нашими предложениями. И мы готовы к тому, что с определенной частью нашей клиентской базы мы, после соответствующих коммуникаций, вынуждены будем усилить судебно-претензионную работу.

Приватбанк всегда будет искать взаимоприемлемые решения для своих клиентов, но Приватбанк никогда не станет Дедом Морозом. Нас ждет кропотливая работа — мониторинг хода реализации программы реструктуризации, тщательная отработка методик и технологий, слаженная работа всех служб большого профессионального коллектива Приватбанка.

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