the story with the megabank is that even before the war, he didn't feel very confident. he didn't pass the stress tests well, which means that the bank didn't have enough money to give its customers in case of something. in general, all the funds, even if the bank would have sold all its loans, all its assets, and during the war, unfortunately, such a story happened that kharkiv was the first to be attacked by the russians, and many enterprises, many factories in kharkiv, they simply physically stopped working, and all the more so because they could not to service loans, and that is, the bank, in addition to the fact that it still had problems with capital, it is also said to have lost liquidity, that is, it has less money than it needed right now, and very bad things began from the point of view of counter-banking, from the point of view of bank supervision things called the card file, unfulfilled payment orders, as far as i have seen and communicated with the bank's clients, there were certain problems with the payment of deposits, well, and therefore the national bank