Θα πληγεί το εισόδημα νοικοκυριών από την αύξηση σε ενέργεια, πρώτες ύλες, αλλά δεν υπάρχουν ανησυχητικές πρώιμες ενδείξεις για νέες ροές NPEs. Λήγουν στο τέλος μήνα τα προγράμματα Γέφυρα Ι και ΙΙ. Καμία πρώιμη ένδειξη για αύξηση των μη εξυπηρετούμενων δανείων, λόγω της συμπίεσης των εισοδημάτων από...
Household incomes will be affected by the increase in energy, raw materials, but there are no worrying early signs of new NPEs flows. The Bridge I and II programs end at the end of the month.
Banks, which, however, are closely monitoring developments, have no early indication of an increase in non-performing loans, due to the squeezing of revenues from the explosion of energy and raw material costs.
Bank executives, speaking on the subject at yesterday's Fin Forum, noted that rising inflation due to energy costs and rising commodity prices is likely to have an impact on growth as it will hit household purchasing power, among other things. that it is too early to draw conclusions.
At present, there are no alarming early indications that a possible squeeze on purchasing power will lead to a new generation of "red" loans. On the sidelines of the conference, some of them said that if the effects on oil, gas and some commodities from the Russian invasion and the unprecedented sanctions remain or intensify, it is possible that the government will consider a new - three-month - extension of state subsidy programs. of the dose (Bridge I and II).
The three-month extension is completed at the end of the month. If no extension is given, how these loans will behave after the end of the state subsidy is an issue that is closely monitored by the banks. According to Fotini Ioannou, general manager of corporate and retail banking receivables management of Ethniki, at the moment there are no worrying indications for new flows of non-performing loans, but close monitoring is required.
It is recalled that the Bridge I program included 82 thousand borrowers with loans of about 6 billion euros and in Bridge II, 13 thousand borrowers with a total of 5.4 billion loans.
Finally, the full opening of the new bankruptcy adds another "tool" for effective arrangements / settlements. They are currently out of court, according to the information provided by Ms. Ioannou, 48 thousand active applications (42 thousand applications from individuals with total debts to banks and the State almost 16 billion euros).
The applications require processing by the banks, while the Real Estate Recovery Agency, which is a critical link in the ecosystem, has not yet been activated.
