The total volume of capital increased by 1.7% on December 31, 2017, up to 1.062
billion UAH, this positive trend continued at the end of March 31, 2018, as it grew to
1079.2 million UAH, and in general since 2011 - by 136.3 million UAH. [21].
At the same time, as before, the majority of credit unions (by the end of 2017 -
155 or 55.8%, by the end of the 1st quarter of 2018 - 150 or 54.9%) unites a small
number of participants - up to 1 thousand, and more than one third of credit unions (by
the end of 2017 111 or 39.9%, by the end of the 1st quarter of 2018 - 111 or 40.6%)
comprises from 1 thousand to 10 thousand participants (Table 3).
Table 3
Distribution of credit unions of Ukraine by the number of members
Indicator
2011 2012 2013 2014 2015 2016 2017
1
quarter
2018
Devi-
ation
up to 1 thousand people
324
305
305
244
236
204
155
150
-174
from 1 thousand up to 10
thousand people
187
186
180
160
145
125
111
111
-76
from 10 thousand to 20
thousand people
18
19
12
9
9
9
11
11
-7
more than 20 thousand people
0
3
7
6
5
3
1
1
1
Total (number of reported
reporting)
529
513
504
419
395
341
278
273
-256
In Figure 1, the dynamics of lending and attracting contributions of members of
credit unions of Ukraine from the end of 2011 to 1st quarter of 2018 2008 are detailed.
Thus, the total volume of loans granted to members of credit unions until December
31, 2017 amounted to 1902.3 million UAH (+ 5.7% compared to 2016), contributions
to deposit accounts - 937 million UAH (+ 12.6% relative to 2016). As of March 31,
2018, loans to members of credit unions amounted to 1966.4 million UAH, compared
to December 31, 2011, they decreased by 271 million UAH. The average loan amount
per one member of a credit union having a loan amounted to 14.1 thousand UAH at the
end of 2017 and 14.9 thousand UAH at the end of Q1 2018, that is, 5.9 thousand UAH.
more than at the end of 2011. Deposit accounts of members of credit unions accounted
for deposits at the end of 2017 for a total of 937 million UAH and at the end of the 1st
quarter of 2018 - 984.7 million UAH, which is less by 200.8 million UAH than at the
end of 2011. The average amount of deposits on deposit accounts amounted to 43.2
thousand UAH. at the end of 2017 and 45.6 thousand UAH. at the end of the 1st quarter
of 2018, and by 20.9 thousand UAH. more than at the end of 2011 [14].
According to the data presented in Figure 2, the total amount of arrears on loans
amounted to UAH 345.8 million as at 31 December 2017 (-6.2% compared to the prior
period), and as of the end of the first quarter of 2018 it grew to 369.2 million UAH, but
as a whole decreased from the end of 2011 by 41.4 million UAH.
Consumer loans (54.6% of loans or 1040.9 million UAH as of December 31, 2017
and 54%, or 1065.2 million UAH, as of 31.03.2018) continue to be used as the most
demand, as shown in Figure 3). In the second place - real estate loans (21.5% or 410.4
million UAH as at 31.12.2017 and 398 million UAH or 20.2% as at 31.03.2018). The
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