Why do banks revalue their collateral regularly? Because collateral value is a variable in credit risk. The National Bank of Ukraine's Regulation on Credit Risk Measurement (NBU Board Resolution No. 351 of 30 June 2016, built on Basel Committee principles) obliges banks to revalue pledged assets periodically and verify their existence and condition: the current value of collateral directly drives the bank's credit risk measurement and provisioning.
So the requirement is driven not only by economics but by the National Bank of Ukraine itself. The Kanzas company revalues pledged assets both individually and across a bank's entire loan portfolio. 20+ years of experience.
Lending valuation vs portfolio revaluation: who commissions what
These are two different services with different clients. A lending valuation is commissioned and paid for by the owner of the property or business being pledged — to obtain the loan. A portfolio revaluation is commissioned by the bank itself — to comply with NBU requirements or when selling a loan portfolio to another bank or financial institution.
Portfolio structure: why real estate dominates
Real estate typically carries the largest weight in a loan portfolio's collateral: apartments, houses, commercial buildings and premises, land plots. The value of such collateral has moved dynamically in recent years and continues to shift — which is why periodic revaluation is a requirement, not a formality.
Track record: portfolios of more than 50 Ukrainian banks
The Kanzas company has participated in or fully performed collateral portfolio revaluations for more than 50 Ukrainian banks — including banks in the country's top ten. From our practice: when a bank refocused its business and shed a ballast portfolio (consumer loans, for example), we revalued that portfolio in full for its sale to a financial institution or another bank. And when one of Ukraine's largest banks was buying up other banks' loan portfolios — mostly distressed — in large volumes, our company took part in many of those revaluations.
We offer current, substantiated collateral values — from a single pledge to a bank-wide portfolio, adherence to revaluation schedules and an individual approach to each institution's requirements. Write to us by email or messenger — we will discuss your portfolio or collateral.
FAQ
Who commissions a revaluation? The bank — under NBU requirements or when selling a portfolio; an individual pledge — the bank or the borrower per the loan agreement.
Do you revalue entire portfolios? Yes — our practice covers more than 50 Ukrainian banks, including banks in the top ten.
