Rus News Journal

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
% million rbl.
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
INVESTSBERBANK 9,2 % 2294 25044 50251 38
THE CREDIT EUROPE BANK 5,85 % 1737 29670 35818 52
NB THE TRUST 5,40 % 1557 28817 52562 37
PROBUSINESSBANK 4,70 % 739 15720 34637 55
IMPEKSBANK 3,55 % 1562 43985 62470 32
RUSFINANS BANK 3,17 % 769 24265 32609 60
ROSBANK 3,05 % 4695 153942 236639 11
URSA BANK 3,05 % 2508 82243 142517 17
VTB 3,00 % 11737 391640 1047400 3
SOBINBANK 2,94 % 1020 34674 57348 35
JUNIASTRUM BANK 2,78 % 774 27857 41531 45
URALSIB 2,75 % 4636 168662 316322 7
THE UNION 1,81 % 724 39935 67606 31
THE RENAISSANCE 1,81 % 1275 70503 92838 23
IBRD 1,76 % 648 36872 69081 30
CITYBANK 1,54 % 757 49272 156720 16
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
ROSSELHOZBANK 0,73 % 1584 216959 356271 6
BANK of Moscow 0,71 % 1875 263741 431273 4
NRBANK 0,6 % 933 5912 33200 59
GAZPROMBANK 0,43 % 1706 399652 1182112 2
the Source: Expert RA