Banks of St.-Petersburg go to a risk zone
Their delay has grown in eight times
the Corporate credit portfolio of banks of St.-Petersburg for nine months 2009 was reduced, and the delayed debts have grown. In spite of the fact that as a whole on the Russian bank sector dynamics was positive, in Petersburg branch risks have appeared higher, bankers speak. At the same time the State Banks and the large private banks working in the corporate market, following the results of January-September have increased volumes of credits: the share of real sector grows in their portfolios, and the most reliable borrowers of a steel of the enterprise of the defensive industry, power and a state company.
according to Bank of Russia, the corporate credit portfolio of banks of St.-Petersburg for nine months 2009 was reduced to 3,2 % and has made on the beginning of October 716,54 mlrd the rbl., thus delayed debts of banks have grown with 1,25 to 10,4 %. Dynamics sankt - the Petersburg banks has appeared worse all-Russian. So, from the beginning of year growth of volume of corporate credits in bank system has made 1,6 %, and the share of the delayed debts has increased from 2,1 % on the beginning of year to 5,6 % on the beginning of October
According to the head of the centre of development of regional business of Investtorgbanka in SZFO Sergey ShCherbakova, the principal cause of decrease in a portfolio and delay growth across St.-Petersburg is connected with reduction of quantity of qualitative borrowers in the market. “ local banks have faced very high branch risks. On building branch, and also the food-processing industry which always made a notable share in city budget incomes, crisis has struck first of all “ - tells g - n Scherbaks. According to the vice-president of the International bank of St.-Petersburg (MBSP) Maksuda Kuprova, today banks work with industrial sector more. MBSP, in particular, increases work with the enterprises of the defensive industry, energetikami, state companies.
operating the Petersburg branch of bank “ the Renaissance “ Igor Kaplenov says that crediting of real sector makes 100 %, the greatest share is occupied with the enterprises food and process industry, transport branch, communication, mechanical engineering and metal working, electronic industry. In bank “ Russia “ the share of investments in the enterprises of real sector exceeds 70 %, having increased from the beginning of year by 10 %. In Bank Sosete Zheneral the East (BSZHV) on real sector is necessary 60 %. To the cores “ problem “ to branches and. An island of the general director of Petersburg branch BSZHV Egor Andrijanov carries building, the food-processing industry companies, wholesale trade.
however, despite the negative dynamics, the largest players for nine months have increased the corporate portfolios. severo - the Western bank of the Savings Bank for this period has increased a cumulative portfolio of credits to legal persons and individual businessmen on 10 mlrd rbl. and is going to give out as much in the fourth quarter. An order of 30 % of a portfolio it is necessary on processing manufactures, not less than 20 % - on trade, on the third place the building, which share a little more than 15 %.
the Corporate portfolio of bank “ VTB Severo - the West “ has increased for nine months by 10,4 % and has made 159 mlrd rbl., following the results of a year the bank plans to increase it by 20 %. Thus the volume of the delayed debts for nine months has increased with 3,7 mlrd to 8,9 mlrd rbl. As has explained the head of management business - development and bank coordination “ VTB Severo - the West “ Elena Zulina, the basic volume of delay is concentrated in wholesale trade, wood and tselljulozno - paper branch, building and operations with real estate. In bank “ Russia “ The delayed debts made on October, 1st 584 million rbl. at a corporate portfolio of 52,643 million rbl., the greatest share of delay is necessary on development (72,2 %) and trade (27,4 %).
Volume of credits to corporate clients in bank “ St.-Petersburg “ has made for nine months 136,6 mlrd rbl., having increased from the beginning of year by 7,7 %. Portfolio MBSP from the beginning of year has not changed almost, for October, 1st the loan debts of bank have exceeded 27 mlrd rbl. As to delay it, according to Maksuda Kuprova, is at level of 2,5-2,7 %, having reduced approximately to 30 % from the end of the second quarter at the expense of work on return of debts.
in the remained two months till the end of 2009 of essential growth of a credit portfolio as a whole on the market will not be, the head of management on work with corporate clients of bank " considers; Petrovsky “ Maxim Semenkov. However he is assured that the stable banks possessing good, and at times and superfluous liquidity, will use this favorable period for attraction of new clients by crediting. Nevertheless, according to the assistant to operating director IK “ Lenmontazhstroj “ Denis Dyomin, the occasion to delay growth still remains from - for preservations of an adverse conjuncture in the sectors widely presented in economy severo - the West, - building and developmente, mechanical engineering, transport branch.
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