Rating of reliability of banks

The Savings Bank – unique among the credit organizations has received a rating «АА» (at the maximum estimation «AAA»). And the question not only that the bank owing to the special status can always count on state support – as a matter of fact, its financial stability is defined by financial stability of the Russian Federation. «Сбер» distinguish the best on set the indicators characterizing ка­чест­во and sufficiency of the capital, liquidity level, a condition of actives and other. Obviously, double control affects from the Central Bank which acts both as a regulator, and as the basic shareholder of the Savings Bank. As to mutual relations with the state here pertinently to result absolutely fresh and very characteristic citation. «The Savings Bank if the additional finance» be required to it won't be forgotten also, – prime minister Vladimir Putin has declared, declaring the next measures after support of bank system, in particular allocation 200 млрд roubles ВТБ.
Meanwhile because of involved before means субординированного the credit the indicator of quality of the capital of "the second bank» the countries has decreased. In some measure it was reflected in a rating estimation («A-»). But now it is a question of acquisition of preference shares, means will go to calculation of the capital of the first level.
To buy share holdings of private banks государст­во as it was found out, doesn't plan, anyway directly, – fears concerning creeping nationalization are dispelled. But to the aid treasury in во­про­сах «докапитализации» the credit organizations On-prezhyoneyomu can count. Means, possibly, will go from fund of national well-being. The prospective sum – 100 млрд roubles. By the way, 225 млрд the supports registered in an anti-recessionary package of laws still in October while are far from exhaustion. Are approved субординированные credits to only three banks: to "Alpha", "Nomosu" and Hunts-Mansijskomu to bank – for a total sum 17,1 млрд roubles. In total in ВЭБ 60 demands in the cumulative size about 100 млрд (more in detail "ö" № 3) have arrived approximately. At an estimation of banks "ö" has taken into consideration efforts of shareholders on increase of capitalization of the credit organizations.
Question of sufficiency of own means today really actual. The greatest decrease in the capital for a month banks "Unions" (-40 %), ВЕФК (-14 %) have tested, "Globeks" (-11 %) that it is no wonder. At the credit organizations problems long before an exit December от­чет­но­сти have begun. Appreciable decrease at ХКФБ – on 12 % for a month and at National reserve bank – on 10 %. In October – November, 2008 НРБ restored solvency of "the Russian capital», seriously injured crisis. After it has accepted clients-physical persons of "Electronics".
At once some banks estimated "ö", on an indicator of sufficiency of the capital have come nearer to is minimum admissible mark. Among them, by the way, there was also a Gazprombank: by data for December, 1st specification Н1 was equal 10,54 %. Nevertheless, this credit organization has received a rating «ВВВ». Gazenergoprombank which have bought in October Sobinbank has received a similar estimation also. And still "ö" isn't inclined to exaggerate the factor of the mediated participation of the state in the capital of the credit organizations. Help such structures it can, but it is not obliged. And in the conditions of sharp deterioration of a situation on them, it is not excluded, simply there will be no resources. Including therefore ratings of same "Sobina" and «the WHALE of Finansa» (supervising owners – «the Russian railways» and YOKES of "Alrosa") have appeared slightly more low, than it was possible to expect from "almost nationalized". The role financial indicators have played also.
Another important, especially now, aspect на­деж­но­сти bank – security means for current calculations. As a whole the market distinguishes high level of liquidity. It speaks including access of the majority of the credit organizations from the first сот­ни to Central Bank resources, in particular беззалоговым to auctions. The specifications of liquidity shown by many banks for December, 1st, considerably exceed demanded values – 15 % for Н2 and 50 % for Н3. At some these indicators read off scale for 100 %. Such figures say that the credit organizations don't hasten to leave at all the money received from Bank of Russia, leaving them on corresponding accounts in the Central Bank and buying currency. Crediting of the population and real sector has stopped in development.
As to quality of actives as a whole the picture on first hundred doesn't look so dramatically. Here high delay allocates the banks specializing on consumer crediting. In a minus it plays also that prospects of the given segment look uncertain whereas their business poorly диверсифицирован, and фондирование it is substantially provided by non-residents
AND

All banks entering into this group, are characterized by the good financial condition allowing not only to survive in crisis, but also to develop. Besides, it guarantees внеш­няя support in a case of sharp deterioration of an economic situation. The size of this support and degree of dependence on it in crisis conditions is defined by internal gradation on group.

B

The credit organizations with a rating from B to BBB meet requirements of financial stability. Indicators of some of them can even surpass similar at banks from group And. At the same time at sharply negative scenario of succession of events they risk to appear or in sharp dependence on external support, or at all without it. Gradation in group reflect a combination of financial indicators and the factor of external support.

WITH

Indicators of financial stability of these banks are at levels below averages. Thus the probability of external support outside the limits of sanitation is low. Sanified banks get to it automatically before end of corresponding procedure. The probability of license withdrawal defines gradation in group.



АА
The Savings Bank

AND -
ВТБ

ВВВ +
Россельхозбанк

ВВВ
Gazprombank, ВТБ24, Transkreditbank, the VTB-NORTHWEST, Gazenergoprombank, RosBR

ВВ +
ВБРР, the Credit Ural Mountains bank

ВВ
Bank of Moscow, Junikreditbank, Rajffajzenbank, Nomos-bank, Ursa-bank, "Petrokommerts", Citybank, the Absolute bank, Orgresbank, ING bank, Hunts-Mansijsky bank, Dojche-bank, Kommertsbank, KMB-BANK, BTA-BANK, "BNP Pariba", Svedbank, Evrofinans-Mosnarbank, Surgutneftegazbank, Drezdner bank, "Natiksis", Barklajs bank
VV -
Alpha bank, Rosbank, MDM-bank, "St.-Petersburg", «Sosete Zheneral the East», Mezhprombank, "Renaissance", "Russia", Rusfinansbank, OTP-BANK, Binbank, НРБ, Rosevrobank, Juniastrum-bank, Investtorgbank, «the National standard»

IN +
Уралсиб, Promsvjazbank, Ak the Leopard, IBRD, the WHALE of Finans, Globeks, Russia-bank, Sobinbank, Transkapitalbank, "Deltakredit", Zapsibkombank, special design bureau-bank, "Avant-guard", Loko-bank, Ship-building bank, Gazbank, Novikombank, Uralsib-Jugbank, Metallinvestbank, Natstorgbank, "Opening"

IN
"Zenith", "Union", НБ "Trust", the Credit Europe bank, МИнБ, the Moscow credit bank, Probusinessbank, Tatfondbank, "Center-invest", the Baltic bank, Moskommertsbank, the First incorporated bank, «Northern treasury», МБСП, Master Bank, УБРР, РБР, «East express train», «DzhiI Attract bank», Baltinvestbank, "Relight", "Strojkredit", Agropromkredit, Vneshprombank, Chelindbank

IN -
«The Russian standard», ХКФБ, «the Renaissance the Capital», Investbank

WITH
ВЕФК

As рейтинговались banks

"ö" Made a rating дистанционно, having on hand limited volume of the information.
At the first stage the complex of the data gathered. It is a question of the basic forms of account of banks, the data published on sites of the credit organizations, obtained from others opened источ­ни­ков. At the analysis of indicators "ö" recognized that the reporting of the credit organizations is authentic.
At the second stage calculations on the several groups of indicators characterizing the capital, liquidity, actives and passives were made. In particular, it is a question of such important criteria, as sufficiency of the capital, equation of actives and passives on terms, dependence on the market of interbank crediting. The considerable role is played by quality of a loan portfolio, including dynamics of the delayed debts, volume of the generated reserves on possible losses, investment activity of the credit organization. Degree of a diversification of business, dependence from foreign фондирования was taken into consideration. As especially guarding factors presence of a card file of not executed obligations was regarded. With the rest on card file accounts hardly probable it is possible to recognize bank reliable. All calculated indicators were estimated in aggregate and interrelations with a bank line of activity.
At the third stage qualitative factors, in particular structure of shareholders, a transparency of structure of possession were estimated. Its complexity reduces possibilities for the analysis, accordingly, and a rating lath – even at good financial indicators. Possibilities of shareholders on support of the credit organization in case of deterioration of an economic situation to Russia, the risks interfaced to other business of owners of bank were considered. As to state participation in the capital of the credit organization this factor, certainly, raises reliability estimation. On the other hand, the risk to appear in rigid dependence on injections from state treasury in case of negative turn of events doesn't allow to appropriate today the maximum ratings. "ö" Adhered to conservative positions at an estimation of affiliated structures of foreign financial groups. First, rating problems don't include the analysis of stability of parent structures. Secondly, "daughters" can't count on serious support from the Russian state. Thirdly, they bear the raised risks in communication by that at them prevails фондирование in currency whereas potential clients show больший interest to rouble resources.