Retail oppresses banks
a share of delay at leaders - above 10 %
Three banks from among leaders of retail crediting for July, 1st, 2007 possessed the delayed debts exceeding 10 % under credits, given out to physical persons. The leader is HKF - bank at which the debts exceed 27 %, after it go “ the Russian standard “ to which clients have not returned in time 16 % from the given out credits, and DzhiI Attract Bank at which the share of the delayed credits is equal 13 %. To such conclusions analysts of rating agency " have come; Expert RA “ in the research “ Bank risk - management 3D: Movement in a fog “. Thus in 2007 the delay volume under retail credits has overtaken volume “ bad “ corporate debts.
as write in the research of analytics “ Expert RA “ As a whole the aggregated indicators characterising level of credit risks in domestic bank system, are at admissible level. Thus the major indicator of credit risks - level of the delayed debts - on a credit portfolio as a whole for last one and a half year has grown with 1,3 to 1,5 % from total amount of the given out credits. As a whole, the head of a direction of ratings of banks " marks; Expert RA “ Irina Velieva, on bank system, it agree to the Central Bank data, “ bad “ not so it is a lot of credits: the share of problem and hopeless loans for 2006 has decreased with 3,2 to 2,6 % and for July, 1st, 2007 remained at this level.
Irina Velieva has noticed that if dynamics of a share of the delayed debts in corporate sector does not inspire fears the risks saved up in retail crediting attract growth of non-returns. So, the share of the delayed debts of physical persons as a whole on the market for last one and a half year has grown with 1,57 to 2,71 %. Corporate borrowers, on the contrary, became more reliable: if the delay share on them on the beginning of 2006 made 1,26 % by July, 1st of current year has fallen to 1,04 %. Thus, Irina Velieva continues, this year the delay volume on retail has overtaken “ bad “ corporate debts: 80,3 mlrd rbl. against 73,9 billion
During analytics research “ Expert RA “ have allocated 30 largest banks on level of the delayed debts of physical persons for July, 1st, 2007 (see the table). In the lead positions have occupied HKF - bank, “ the Russian standard “ and DzhiI Attract Bank.
at other banks this parametre below 10 %. As Irina Velieva has explained, on the delayed debts the agency used the data from the form of reporting N101 of the banks given in the Central Bank.
meanwhile in banks categorically do not agree with opinion of analysts. In a press - to service HKF - bank daily have declared that “ To us the origin of figure 27,58 of % " is not clear;. “ According to the reporting data on MSFO, the delayed debts most correctly reflecting an indicator, level of bad debts in a bank portfolio made in 2006 14,17 %. In connection with improvement of technology of work of internal service of gathering of debts of bank level of the delayed debts on some products makes 4 %. On the end of the second quarter 2007 level of a share of the delayed credits over 90 days has made 13,47 % “. Thus in HKF - bank have added: “ In a portfolio loans, unreal for collecting collect. Process of their write-off from balance is strongly complicated by the current legislation “.
In “ the Russian standard “ daily have informed that “ as of July, 1st level of the delayed credits over 90 days at us made 4,69 % “ having refused the further comments. “ our delayed debts below the specified indicators. We do not name concrete figures as we consider it as our competitive advantage “ - has declared daily the director for external relations of DzhiI Attract Bank Ekaterina Tuton.
“ the Indicators resulted in the table, characterise level of the saved up credit risks for concrete date, - Irina Velieva, - the Delayed debts " marks; physicists “ is now as a delayed-action bomb which can work when the business cycle will pass in a recession stage “.
Renking of banks on a parity delayed zalozhennosti, to total amount of the given out credits
|the bank Name||The delayed debts||the Credit portfolio, million rbl.||Actives, million rbl.||the Place on actives on 01. 07. 2007|
|HKF - BANK||27,58 %||8185||29681||43849||43|
|“ the RUSSIAN STANDARD “||16,26 %||23238||142922||196121||14|
|“ DZHII ATTRACT BANK “||13,08 %||947||7241||8519||150|
|“ THE CREDIT EUROPE BANK “||5,85 %||1737||29670||35818||52|
|NB “ THE TRUST “||5,40 %||1557||28817||52562||37|
|RUSFINANS BANK||3,17 %||769||24265||32609||60|
|URSA BANK||3,05 %||2508||82243||142517||17|
|JUNIASTRUM BANK||2,78 %||774||27857||41531||45|
|THE UNION||1,81 %||724||39935||67606||31|
|THE RENAISSANCE||1,81 %||1275||70503||92838||23|
|“ PETROKOMMERTS “||1,38 %||1204||86950||136669||18|
|MDM - BANK||1,32 %||2049||155674||249794||10|
|THE SAVINGS BANK||1,19 %||33398||2810027||4287254||1|
|ALPHA BANK||1,19 %||3363||281425||400362||5|
|“ AK THE LEOPARD “||1,09 %||968||89189||127912||20|
|“ ZENITH “||1,02 %||669||65821||115056||21|
|“ VTB 24 “||0,87 %||1081||124724||2282197||12|
|“ BANK of Moscow “||0,71 %||1875||263741||431273||4|