RatingsFederal banks are once again playing for high stakes?29/03/2012In the fourth quarter of 2011, federal banking trio unexpectedly sharply increased its assets. However, some banks at the end of the year have chosen a more cautious policy and reduced the rate of increase of assets. These and other trends evident in the new rating of Tatarstan credit institutions in terms of assets, prepared TatSenter.ru.
A new wave of growth in banking
In 2011, the bankers seem to believe in themselves the impossibility of a second wave of crisis. Instead, the past year has brought a new wave of growth in the banking sector. Growth - the most pre-crisis: the total assets of credit institutions operating in the Republic of Tatarstan increased by 22%.
The growth of assets in the banking system as a whole RT
Assets on 01/01/2012, million rubles
The increase in 2011,%
Increase / decrease in IV quarter 2011,%
Increase / decrease over the first nine months of 2011,%
Banks RT
575 448
21.9
5.2
15.8
Affiliates
243 009
22.8
11.2
10.5
In general, the banking system of the Republic of Tatarstan
818 454
22.2
6.9
14
As already noted TatSenter.ru in rating banks on assets for the nine months of 2011, in the first three quarters of growth rates were in the lead banks of Tatarstan. But at the end of the year "the feds" suddenly jerked off the bat.
Federal "bird-troika"
The federal credit institutions in general were so would the entire fourth quarter 2011 in the wake of Tatarstan bank holder, if it were not for leaders: Sberbank, VTB, Gazprombank. This "bird-troika" of the largest banks in the country since October last suddenly ran "full speed", building up assets. VTB just over three months increased its assets by 57% (growth - more than 8 billion rubles), and Gazprombank - more than 2-fold (increase - almost 5 billion). Savings Rates can not be called a record, but in absolute terms, it also showed an increase in assets Their maximum (9 billion) for a group of federal banks.
The increase in assets of banks in the Republic of Tatarstan for the IV quarter 2011
Place
Bank
Assets on 01/01/2012, mln.
Increase / decrease for the IV quarter,%
Assets on 10/01/2011, mln.
Increase / decrease over the first nine months,%
A
AK BARS Bank
313 402
4.1
300 943
17.6
2
SAVINGS BANK
136 046
6.6
127 658
6.5
3
Tatfondbank
83,809
12.4
74,587
14.5
4
AKIBANK
24,141
-2.3
24,699
0.2
5
VTB
23,291
57.2
14,815
10.3
6
DEVON-CREDIT
22,111
-0.5
22,213
5.1
7
Agricultural Bank
21,897
-2.8
22,536
21.0
8
ZENIT
19,663
12.4
17,496
-0.5
9
BTA-KAZAN
19,424
11.2
17,475
19.7
10
SPURT
18,100
-2.4
18,553
25.0
11
ENERGOBANK
16,796
7.0
15,696
8.7
12
IntechBank
14,374
6.9
13,450
16.6
13
KAZAN
13,502
3.9
13,000
2.2
14
Avers
11,839
24.1
9537
95.9
15
GAZPROMBANK
8749
124.7
3893
35.8
16
RUSSIAN STANDARD
7392
35.3
5464
70.0
17
BANK OF KAZAN
5955
7.3
5549
12.9
18
AVTOGRADBANK
5615
6.4
5275
17.3
19
ANKORBANK
4461
-2.3
4566
28.0
20
District
4077
-19.9
5092
4.0
21
KAMKOMBANK
3988
8.5
3677
12.2
22
Alfa-Bank
3776
4.2
3625
43.0
23
MDM Bank
3222
-10.6
3603
5.0
24
TransCreditBank
3215
11.0
2896
10.7
25
TATSOTSBANK
3135
39.5
2247
42.0
26
MORTGAGE INVEST
3048
-1.3
3088
13.8
27
BANK OF MOSCOW
2641
-23.8
3466
-16.9
28
ROSBANK
2534
3.4
2451
14.1
29
Absolut Bank
2363
-3.6
2451
33.8
30
TATINVESTBANK
2242
0.9
2222
10.5
31
SOLID BANK
1907
-2.7
1960
61.1
32
Investtorgbank
1845
7.8
1711
28.4
33
Tatagroprombank
1744
7.4
1624
10.7
34
Svyaz-Bank
1214
-11.3
1368
n / a
35
URALSIB
1192
-20.3
1495
-11.6
36
BULGARU BANK
1070
15.6
926
14.9
37
KARA ALTYN
965
-1.2
977
7.6
38
Vneshprombank
751
38.8
541
155.2
39
B & N
534
27.4
419
3.2
40
UNIASTRUM BANK
447
12.3
398
12.4
41
KAMSKY HORIZON
407
19.0
342
6.5
42
AVTOKREDITBANK
395
32.6
298
6.4
43
IDELBANK
366
-4.9
385
-2.0
44
VOLGA-CREDIT
113
20.2
94
74.1
45
RADIOTECHBANK
112
12.0
100
1.0
46
Volga
58
-49.1
114
9.6
47
Stroycredit
48
n / a
n / a
n / a
Such a leap in such a short period of time could be explained by the major credit for Tatarstan's industrial giants. Representatives of federal banks have repeatedly said that the banks were again trust the big borrowers from Tatarstan, which ceased to operate in a crisis because of defaults and delinquencies. However, if the increase in the assets of the Savings Bank in the fourth quarter was parallel to the increase in the loan portfolio, the same can be said about the VTB and Gazprombank. Over the last three months of their loan portfolios grew not so much as assets: 4.5% (growth - 0,6 billion) and 30.5% respectively (1.1 billion rubles). And if you look at the annual dynamics of the asset, then VTB jerk at the end of 2011 compensated for the failure of the crisis.
Annual dynamics of the assets,%
Place
Bank
Assets on 01/01/2012
Increase / decrease over 2011
Increase / decrease over 2010
Increase / decrease over 2009
A
AK BARS Bank
313 402
22.4
6.7
10.8
2
SAVINGS BANK
136 046
13.5
24.8
12.5
3
Tatfondbank
83,809
28.7
15.6
25.8
4
AKIBANK
24,141
-2.1
16.9
46.7
5
VTB
23,291
73.4
-34.3
15.4
6
DEVON-CREDIT
22,111
4.6
-11.7
8.2
7
Agricultural Bank
21,897
17.6
38.7
24.3
8
ZENIT
19,663
11.8
31.3
14.3
9
BTA-KAZAN
19,424
33.1
25.3
24.6
10
SPURT
18,100
22.0
32.8
9.8
11
ENERGOBANK
16,796
16.3
15.8
31.8
12
IntechBank
14,374
24.6
29.9
52.0
13
KAZAN
13,502
6.2
0.2
24.8
14
Avers
11,839
143.2
-18.0
23.7
15
GAZPROMBANK
8749
205.2
n / a
n / a
16
RUSSIAN STANDARD
7392
130.0
82.0
n / a
17
BANK OF KAZAN
5955
21.2
15.2
15.9
18
AVTOGRADBANK
5615
24.9
51.7
23.5
19
ANKORBANK
4461
25.1
49.4
-1.4
20
District
4077
-16.7
47.3
22.8
21
KAMKOMBANK
3988
21.7
17.7
13.2
22
Alfa-Bank
3776
49.0
12.7
-33.1
23
MDM Bank
3222
-6.1
213.2
n / a
24
TransCreditBank
3215
22.9
405.8
433.0
25
TATSOTSBANK
3135
98.2
146.4
16.5
26
MORTGAGE INVEST
3048
12.3
-14.8
-3.5
27
BANK OF MOSCOW
2641
-36.7
17.0
-22.7
28
ROSBANK
2534
18.0
34.5
-15.3
29
Absolut Bank
2363
29.0
-18.5
-32.1
30
TATINVESTBANK
2242
11.5
7.0
8.1
31
SOLID BANK
1907
56.7
194.7
19.7
32
Investtorgbank
1845
38.4
205.0
85.2
33
Tatagroprombank
1744
18.9
-4.5
10.5
34
Svyaz-Bank
1214
n / a
n / a
n / a
35
URALSIB
1192
-29.5
24.2
10.2
36
BULGARU BANK
1070
32.8
49.5
25.6
37
KARA ALTYN
965
6.3
-8.6
21.4
38
Vneshprombank
751
254.2
1530.8
n / a
39
B & N
534
31.5
n / a
n / a
40
UNIASTRUM BANK
447
26.3
-46.0
36.4
41
KAMSKY HORIZON
407
26.8
42.0
10.2
42
AVTOKREDITBANK
395
41.1
3.3
n / a
43
IDELBANK
366
-6.9
20.9
-15.1
44
VOLGA-CREDIT
113
109.3
157.1
-32.3
45
RADIOTECHBANK
112
13.1
n / a
n / a
46
Volga
58
-44.2
n / a
n / a
47
Stroycredit
48
n / a
n / a
n / a
Racing in the assets of the largest state-owned banks may be due to seasonality in their corporate clients. For example, at the end of the year from federal banks to settle large balances on current accounts or deposits of large enterprises. The banks may be used for posting are not loans, and some low-yield instruments, such as deposits of the Central Bank.
Who "hit the brakes"?
The rest of the first three quarters of trends noted in the ranking of banks by assets for the nine months of 2011 as a whole survived to the end of the year. Those changes, which can now be seen, appeared on the background of the fact that some banks have slowed down the rate of increase of assets. In particular, despite the growth in assets during the first three quarters of 2011, over recent months to reduce went Akibank, Devon-Credit, Agricultural Bank, Spurt Bank and others. What caused such a cautious behavior at the end of the year: the expectation of a crisis or a desire to "play the numbers" before the annual report, TatCenter.ru try to reflect in the ratings on the next banking business portal.
Shares of banks
Place
Bank
Assets on 01/01/2012
A
AK BARS Bank
313 402
2
SAVINGS BANK
136 046
3
Tatfondbank
83,809
4
AKIBANK
24,141
5
VTB
23,291
6
DEVON-CREDIT
22,111
7
Agricultural Bank
21,897
8
ZENIT
19,663
9
BTA-KAZAN
19,424
10
SPURT
18,100
11
ENERGOBANK
16,796
12
IntechBank
14,374
13
KAZAN
13,502
14
Avers
11,839
OTHER
79,580
Methods of rating
The rankings are based on official statements of banks, as well as published data of the Central Bank of the Russian Federation and the National Bank of the Republic of Tatarstan.
The rating includes all Tatarstan banks and branches of banks from other regions, registered in the Republic of Tatarstan as of 01/01/2012. The rating does not include credit institutions, with the republic additional offices, but not registered a branch, since on the basis of their statements can not provide figures related only to the economy of the Republic of Tatarstan.
The rating takes into account data on 01/01/2012.
On Solid Bank are consolidated data on the two branches: in Kazan and in Almetyevsk.
A new wave of growth in banking
In 2011, the bankers seem to believe in themselves the impossibility of a second wave of crisis. Instead, the past year has brought a new wave of growth in the banking sector. Growth - the most pre-crisis: the total assets of credit institutions operating in the Republic of Tatarstan increased by 22%.
The growth of assets in the banking system as a whole RT
Assets on 01/01/2012, million rubles
The increase in 2011,%
Increase / decrease in IV quarter 2011,%
Increase / decrease over the first nine months of 2011,%
Banks RT
575 448
21.9
5.2
15.8
Affiliates
243 009
22.8
11.2
10.5
In general, the banking system of the Republic of Tatarstan
818 454
22.2
6.9
14
As already noted TatSenter.ru in rating banks on assets for the nine months of 2011, in the first three quarters of growth rates were in the lead banks of Tatarstan. But at the end of the year "the feds" suddenly jerked off the bat.
Federal "bird-troika"
The federal credit institutions in general were so would the entire fourth quarter 2011 in the wake of Tatarstan bank holder, if it were not for leaders: Sberbank, VTB, Gazprombank. This "bird-troika" of the largest banks in the country since October last suddenly ran "full speed", building up assets. VTB just over three months increased its assets by 57% (growth - more than 8 billion rubles), and Gazprombank - more than 2-fold (increase - almost 5 billion). Savings Rates can not be called a record, but in absolute terms, it also showed an increase in assets Their maximum (9 billion) for a group of federal banks.
The increase in assets of banks in the Republic of Tatarstan for the IV quarter 2011
Place
Bank
Assets on 01/01/2012, mln.
Increase / decrease for the IV quarter,%
Assets on 10/01/2011, mln.
Increase / decrease over the first nine months,%
A
AK BARS Bank
313 402
4.1
300 943
17.6
2
SAVINGS BANK
136 046
6.6
127 658
6.5
3
Tatfondbank
83,809
12.4
74,587
14.5
4
AKIBANK
24,141
-2.3
24,699
0.2
5
VTB
23,291
57.2
14,815
10.3
6
DEVON-CREDIT
22,111
-0.5
22,213
5.1
7
Agricultural Bank
21,897
-2.8
22,536
21.0
8
ZENIT
19,663
12.4
17,496
-0.5
9
BTA-KAZAN
19,424
11.2
17,475
19.7
10
SPURT
18,100
-2.4
18,553
25.0
11
ENERGOBANK
16,796
7.0
15,696
8.7
12
IntechBank
14,374
6.9
13,450
16.6
13
KAZAN
13,502
3.9
13,000
2.2
14
Avers
11,839
24.1
9537
95.9
15
GAZPROMBANK
8749
124.7
3893
35.8
16
RUSSIAN STANDARD
7392
35.3
5464
70.0
17
BANK OF KAZAN
5955
7.3
5549
12.9
18
AVTOGRADBANK
5615
6.4
5275
17.3
19
ANKORBANK
4461
-2.3
4566
28.0
20
District
4077
-19.9
5092
4.0
21
KAMKOMBANK
3988
8.5
3677
12.2
22
Alfa-Bank
3776
4.2
3625
43.0
23
MDM Bank
3222
-10.6
3603
5.0
24
TransCreditBank
3215
11.0
2896
10.7
25
TATSOTSBANK
3135
39.5
2247
42.0
26
MORTGAGE INVEST
3048
-1.3
3088
13.8
27
BANK OF MOSCOW
2641
-23.8
3466
-16.9
28
ROSBANK
2534
3.4
2451
14.1
29
Absolut Bank
2363
-3.6
2451
33.8
30
TATINVESTBANK
2242
0.9
2222
10.5
31
SOLID BANK
1907
-2.7
1960
61.1
32
Investtorgbank
1845
7.8
1711
28.4
33
Tatagroprombank
1744
7.4
1624
10.7
34
Svyaz-Bank
1214
-11.3
1368
n / a
35
URALSIB
1192
-20.3
1495
-11.6
36
BULGARU BANK
1070
15.6
926
14.9
37
KARA ALTYN
965
-1.2
977
7.6
38
Vneshprombank
751
38.8
541
155.2
39
B & N
534
27.4
419
3.2
40
UNIASTRUM BANK
447
12.3
398
12.4
41
KAMSKY HORIZON
407
19.0
342
6.5
42
AVTOKREDITBANK
395
32.6
298
6.4
43
IDELBANK
366
-4.9
385
-2.0
44
VOLGA-CREDIT
113
20.2
94
74.1
45
RADIOTECHBANK
112
12.0
100
1.0
46
Volga
58
-49.1
114
9.6
47
Stroycredit
48
n / a
n / a
n / a
Such a leap in such a short period of time could be explained by the major credit for Tatarstan's industrial giants. Representatives of federal banks have repeatedly said that the banks were again trust the big borrowers from Tatarstan, which ceased to operate in a crisis because of defaults and delinquencies. However, if the increase in the assets of the Savings Bank in the fourth quarter was parallel to the increase in the loan portfolio, the same can be said about the VTB and Gazprombank. Over the last three months of their loan portfolios grew not so much as assets: 4.5% (growth - 0,6 billion) and 30.5% respectively (1.1 billion rubles). And if you look at the annual dynamics of the asset, then VTB jerk at the end of 2011 compensated for the failure of the crisis.
Annual dynamics of the assets,%
Place
Bank
Assets on 01/01/2012
Increase / decrease over 2011
Increase / decrease over 2010
Increase / decrease over 2009
A
AK BARS Bank
313 402
22.4
6.7
10.8
2
SAVINGS BANK
136 046
13.5
24.8
12.5
3
Tatfondbank
83,809
28.7
15.6
25.8
4
AKIBANK
24,141
-2.1
16.9
46.7
5
VTB
23,291
73.4
-34.3
15.4
6
DEVON-CREDIT
22,111
4.6
-11.7
8.2
7
Agricultural Bank
21,897
17.6
38.7
24.3
8
ZENIT
19,663
11.8
31.3
14.3
9
BTA-KAZAN
19,424
33.1
25.3
24.6
10
SPURT
18,100
22.0
32.8
9.8
11
ENERGOBANK
16,796
16.3
15.8
31.8
12
IntechBank
14,374
24.6
29.9
52.0
13
KAZAN
13,502
6.2
0.2
24.8
14
Avers
11,839
143.2
-18.0
23.7
15
GAZPROMBANK
8749
205.2
n / a
n / a
16
RUSSIAN STANDARD
7392
130.0
82.0
n / a
17
BANK OF KAZAN
5955
21.2
15.2
15.9
18
AVTOGRADBANK
5615
24.9
51.7
23.5
19
ANKORBANK
4461
25.1
49.4
-1.4
20
District
4077
-16.7
47.3
22.8
21
KAMKOMBANK
3988
21.7
17.7
13.2
22
Alfa-Bank
3776
49.0
12.7
-33.1
23
MDM Bank
3222
-6.1
213.2
n / a
24
TransCreditBank
3215
22.9
405.8
433.0
25
TATSOTSBANK
3135
98.2
146.4
16.5
26
MORTGAGE INVEST
3048
12.3
-14.8
-3.5
27
BANK OF MOSCOW
2641
-36.7
17.0
-22.7
28
ROSBANK
2534
18.0
34.5
-15.3
29
Absolut Bank
2363
29.0
-18.5
-32.1
30
TATINVESTBANK
2242
11.5
7.0
8.1
31
SOLID BANK
1907
56.7
194.7
19.7
32
Investtorgbank
1845
38.4
205.0
85.2
33
Tatagroprombank
1744
18.9
-4.5
10.5
34
Svyaz-Bank
1214
n / a
n / a
n / a
35
URALSIB
1192
-29.5
24.2
10.2
36
BULGARU BANK
1070
32.8
49.5
25.6
37
KARA ALTYN
965
6.3
-8.6
21.4
38
Vneshprombank
751
254.2
1530.8
n / a
39
B & N
534
31.5
n / a
n / a
40
UNIASTRUM BANK
447
26.3
-46.0
36.4
41
KAMSKY HORIZON
407
26.8
42.0
10.2
42
AVTOKREDITBANK
395
41.1
3.3
n / a
43
IDELBANK
366
-6.9
20.9
-15.1
44
VOLGA-CREDIT
113
109.3
157.1
-32.3
45
RADIOTECHBANK
112
13.1
n / a
n / a
46
Volga
58
-44.2
n / a
n / a
47
Stroycredit
48
n / a
n / a
n / a
Racing in the assets of the largest state-owned banks may be due to seasonality in their corporate clients. For example, at the end of the year from federal banks to settle large balances on current accounts or deposits of large enterprises. The banks may be used for posting are not loans, and some low-yield instruments, such as deposits of the Central Bank.
Who "hit the brakes"?
The rest of the first three quarters of trends noted in the ranking of banks by assets for the nine months of 2011 as a whole survived to the end of the year. Those changes, which can now be seen, appeared on the background of the fact that some banks have slowed down the rate of increase of assets. In particular, despite the growth in assets during the first three quarters of 2011, over recent months to reduce went Akibank, Devon-Credit, Agricultural Bank, Spurt Bank and others. What caused such a cautious behavior at the end of the year: the expectation of a crisis or a desire to "play the numbers" before the annual report, TatCenter.ru try to reflect in the ratings on the next banking business portal.
Shares of banks
Place
Bank
Assets on 01/01/2012
A
AK BARS Bank
313 402
2
SAVINGS BANK
136 046
3
Tatfondbank
83,809
4
AKIBANK
24,141
5
VTB
23,291
6
DEVON-CREDIT
22,111
7
Agricultural Bank
21,897
8
ZENIT
19,663
9
BTA-KAZAN
19,424
10
SPURT
18,100
11
ENERGOBANK
16,796
12
IntechBank
14,374
13
KAZAN
13,502
14
Avers
11,839
OTHER
79,580
Methods of rating
The rankings are based on official statements of banks, as well as published data of the Central Bank of the Russian Federation and the National Bank of the Republic of Tatarstan.
The rating includes all Tatarstan banks and branches of banks from other regions, registered in the Republic of Tatarstan as of 01/01/2012. The rating does not include credit institutions, with the republic additional offices, but not registered a branch, since on the basis of their statements can not provide figures related only to the economy of the Republic of Tatarstan.
The rating takes into account data on 01/01/2012.
On Solid Bank are consolidated data on the two branches: in Kazan and in Almetyevsk.
No comments:
Post a Comment