“Finance” rating was the reliability of Russian Banks (LIST)
Posted on Dec 21, 2012
“Sberbank of Russia” leads the list of most reliable Russian banks, compiled by the magazine “Finance”. “Savings” – unique among credit institutions received a rating of “AA” (with maximum score of “AAA”). The question is not only that the bank because of its special status, can always count on the support of the state in fact, its financial stability is determined by the financial stability of the Russian Federation itself, the magazine notes.
“Savings” is distinguished by the best set of indicators of quality and capital adequacy, liquidity, and other state assets. Obviously affects dual control of the Central Bank, which acts as a regulator and as a major shareholder of “Savings”. As for the relationship with the state, it is appropriate to bring a fresh and very very typical quotation, says the publication. “It will not be forgotten,” Savings “if he will need additional funds,” said Prime Minister Vladimir Putin, announcing the next steps to support the banking system, in particular the allocation of 200 billion rubles, VTB.
- The first “ten” most reliable Russian banks
- In January, investing in gold and currency, you can get a 20-percent income
Meanwhile, because of the previously borrowed funds rate subordinated loan capital quality “second bank” (VTB) countries declined. To some extent this is reflected in the rating assessment (“A-”). But now it comes to the acquisition of preferred shares, the funds will be used in the calculation of Tier I capital.
Buy stakes in private banks in the state, as it turned out, no plans, at least directly, fears of creeping nationalization dispelled. But to help the Treasury in matters “recapitalization” credit institutions can still count.
Funds likely to go out of the National Welfare Fund. Estimated value of 100 billion rubles. By the way, 225 billion to support prescribed in anti-crisis package of laws in October, are still far from exhausted. Subordinated loans approved all three banks, “Alpha”, “Nomos” and Khanty-Mansiysk Bank totaling 17.1 billion rubles. All in all, EBV has received about 60 applications total of about 100 billion
In assessing the banks, “Finance” took into account the efforts of shareholders to increase their capitalization of credit institutions.
The issue of capital adequacy now urgent. The greatest reduction of capital banks have experienced over the last month, “The Union” (-40%), EEFC (-14%), “Globex” (-11%), which is not surprising. Credit institutions have started to have problems long before the December report. The dramatic decline in HCFB by 12% for the month and the National Reserve Bank by 10%. In 2008 Bulgaria oktyabrenoyabre restoring solvency “of the Russian capital,” seriously affected by the crisis. After he took clients-individuals “Electronics”.
Several banks, the magazine evaluated, in terms of capital adequacy closer to the minimum acceptable mark. Among them, by the way, there was also “Gazprombank”: as of December 1 standard H1 equaled 10.54%.
However, the credit institution is rated “BBB”. Received similar assessments and “Gazenergoprombank” bought in October “Sobinbank.” Yet the “Finance” is not inclined to exaggerate the factor of indirect state participation in the capital of credit organizations. These structures help it can, but is not required. But in a sharp deterioration of the situation to them, it is possible, just do not have enough resources. Including why the ratings of the same “Sobin” and “KIT Finance” were slightly lower than one would expect from the “almost nationalized.” Played a role, and financial performance.
Another important, especially now that the security aspect of the reliability of the bank for current calculations. Overall, the market features a high level of liquidity. This is explained by including access to credit institutions most of the first hundred to the resources of the Central Bank, in particular unsecured auctions. Liquidity ratios, as demonstrated by many banks on December 1, well above the required value of 15% for H2 and 50% for the H3.
Some of these indicators are off the scale at 100%. These figures suggest that credit institutions are not in a hurry to part with the money received from the Bank of Russia, leaving them on correspondent accounts in the Central Bank and buying the currency. Lending to the same population and the real stop in development.
With regard to asset quality, the overall picture for the first one hundred does not seem so very dramatic. Here, high delay allocated banks specializing in consumer lending. In less they play and the fact that this segment of prospects look uncertain.
The first “ten” most reliable Russian banks
1. “Savings”
AA rating
2. VTB
rating of A-
3. “Gazprombank”
BBB rating
4. “Agricultural Bank”
BBB rating
5. Bank of Moscow
BB rating
6. “Alfa-Bank”
BB-rating
7. VTB24
BBB rating
8. UniCredit Bank (IMB)
BB rating
9. Raiffeisenbank
rating of BB
10. “Rosbank”
BB-rating