RIA Rankings — January 23.Despite all the difficulties, in 2012 for the Russian banking sector in terms of growth was quite successful. At the end of last year, the assets of Russian banks rose to a record 7.88 trillion. or 19% to 49.5 trillion rubles. on January 1, 2013. Growth rates in 2012 were slightly lower than in 2011 (23%), but against the background of slowing inflation, monetary tightening, and more and more "saturation" of the banking market this slowdown is quite objective.
The rating agency "RIA Rating"conducted research and preparedrating of the largest Russian banks in terms of assets by the end of 2012. The list shows data for January 1, 2013 by 939 Russian banks, which published its accounts in accordance with the form number 101 on the site of the Central Bank of the Russian Federation in accordance with the Bank of Russia № 192-V and the Bank of Russia Letter number 165-T. Rating methodology provides data aggregation turnover sheets.
Increased competition through the segmentation of the market for banking services
According to the study, in 2012, 716 banks have shown a positive growth of assets, and asset reduction was observed in 218 banks (23.2% of the total). For comparison, in 2011 only 14% of the banks reported negative growth rates of assets. Thus, in 2012 there was a marked increase in the number of banks with negative dynamics that could be caused by an increase in competition on the one hand and the deteriorating economic situation in the other.
Despite the fact that the growth rate of assets in individual credit institutions differ very significantly, in general, up to 2012 banks in different size groups grew about the same. For example, the first dozen of the largest banks in 2012 increased its assets by 19.1% (18.9% for all banks in Russia), banks, ranked from 11 to 100, — by 19.0%, from 101 to 500 — by 19.9%. Thus, on the basis of concentration of assets in 2012 has not changed. This is largely due to the fact that the market has become more segmented. A truly universal banks to become smaller, and more and more are beginning to play the role of banks specializing in mortgages, consumer credit, lending to small and medium-sized businesses, etc. Thus, we see a kind of violation of the unwritten rules of "money makes money", which was important for Russia in recent years, when the largest banks dominated the market and increasing their share. Now, however, not very large niche banks often win the competition at large, which leads to a situation where the rate of growth in different size groups of banks about the same.
Private banks again "in the game"
An important result in 2012 was that the private domestic banks significantly strengthened its position in the market. For a long time the entire top rated banks in terms of assets occupied by state-owned banks: Sberbank, VTB and its subsidiaries, Gazprombank, Rosselhozbank. And in recent years, the situation in this respect did not look rosy — state banks grew rapidly at the expense of state funds, large private and foreign banks are mainly held the "half-asleep" state, a fast-growing niche private banks were very small for a full-fledged competition with state-owned banks. However, in 2012 the situation has changed markedly. At the end of last year in the top ten largest banks in the highest growth rates observed it from a private bank with Russian capital. During 2012 assets of Alfa-Bank, which occupies the seventh place in the ranking, up 38% to 1.39 trillion rubles. on January 1, 2013, which is considerably more than the nearest competitor banks. Similar growth rates demonstrated NOMOS-BANK, which enabled him in 2012 to demonstrate good progress in the rankings and take on January 1, 2013 11th place in Russia in terms of assets.
In turn, the private banks that focus on consumer lending, are not yet included in the top ten in the country, but on the results of 2012 they showed such high rates of growth, which could be called "small" is no way. Home Credit and Finance Bank in 2012 doubled its assets to 344 billion rubles. and on 1 January 2013 took 18th place in the country against the 32 seats in the previous year. Russian Standard Bank showed growth of assets in 2012 to a level of 55%, which led to progress in the ranking for the year from 26 seats to 22 seats on January 1, 2013. Assets of KB "East" at the end of 2012 reached a value of 239 billion rubles., Which was due to their increasing by 64% per year. Two other notable player the consumer credit market: The Messenger Bank and Bank Tinkoff Credit Systems, and all have shown growth rates of over 100% in 2012, rising in the ranking for the year at 23 and 32 seats respectively. According to forecastsExperts RIA Ranking, in the next two years, one of the private banks, retailers will be able to enter the top ten in the country in terms of assets, and in the top thirty of them will be more than 4.
Seeing a good example of the rapid development of retail banks in the near future, many other private banks, according to RIA Ranking will also look promising niches, with state-owned banks and foreign banks will implement a more conservative policy development. Therefore, the private banks in the coming years it is possible to significantly strengthen its position in the Russian banking system and eventually win back shares, as foreign banks, as well as from the state.
Foreigners 'leave' Russia
The share of bank assets controlled by foreigners, on January 1, 2013 was approximately 11%, falling by 1 percentage point. Overall in 2012, the trend of relatively rapid weakening of foreign banks. Some of them did leave the Russian market, for example: Svenska Handelsbanken, the Absolute, etc., and on the part of banks' growth rates were significantly lower than the market. Ten of the largest banks with foreign capital assets in 2012 grew by only 11%, which is almost half the average. Moreover, almost half of the increase occurred in retail HCF Bank, and without it the result of an increase of only 6%.
One of the leaders of the Russian banking market: UniCredit Bank, Rosbank and Raiffeisenbank holding on January 1, 2013 8, 10 and 12 in terms of assets, showed in 2012, one of the lowest growth rates among the major banks. UniCredit Bank was the only one in the top ten, which was a decrease of assets for the year.
Weak results most of the largest foreign banks in Russia can be explained, on the one hand, the increasing competition in the domestic market, on the other hand, problems in the deployment of their parent banks, which limits the development of the Russian subsidiaries. Most likely, in 2013 the process of reducing the market share of foreign banks will continue.
Major trends in 2012 will find its continuation in 2013
Overall, the projectedExperts RIA Ranking, in 2013, the Russian banking system will be developed approximately the same as last year. The probability of significant shocks will be at a low level, but it is quite likely withdrawal from the market in relation to a number of major players, including foreign banks. Retail banking services will be the main driver of the banking market in the coming year. Experts Rating Agency "RIA Rating 'expected growth of total assets of the banking system on the basis of 2013 at the level of 15-20%.
This rating is not a basis for definitive conclusions about the reliability and (or) the financial soundness of banks included in the rating. The rating agency "RIA rating" does not bear any responsibility for the consequences of any interpretation of this ranking and adopted on the basis of decisions.
Rating banks in terms of assets on January 1, 2013 in pdf-format