There is ongoing debate about why banks have high liquidity but make loans difficult to obtain. However, several tools are available to address this issue, especially during times of increased risks. One key approach is the use of warranty tools, such as Ukraine’s state credit guarantee program, which has been crucial since the war began, helping banks like PrivatBank expand their risk tolerance. Read also: PrivatBank expands card delivery to 14 European countries through Nova Poshta International cooperation with institutions like the EBRD and IFC is another significant factor in bolstering r…