Крупнейшие российские банки по объему активов на 1 октября 2016 года

Крупнейшие российские банки по объему активов на 1 октября 2016 года
© РИА Новости Илья Питалев

РИА Рейтинг – 21 окт. В третьем квартале текущего года темпы роста активов банковской системы снова были очень низкими – рост составил 0,16% или 124 миллиарда рублей, против сокращения номинальных активов в первом и втором кварталах. На 1 октября активы российских банков составили 79,7 триллиона рублей. В целом номинальные показатели прироста активов за девять месяцев текущего года значительно хуже, чем результат, достигнутый в прошлом году. За январь-сентябрь 2016 года активы банковской системы сократились на 4%, а за аналогичный период 2015 года выросли на 2%. Однако с учетом фактора валютной переоценки ситуация была зеркальной. Спад в динамике активов за первые три квартала 2016 года сменился ростом (+0,4%), что стало следствием укрепления рубля, а в 2015 году в реальном выражении активы, напротив, в январе-сентябре снижались на -3,2% из-за ослабления рубля. 

Отзыв лицензий продолжает играть важную роль в динамике активов. За июль-сентябрь было отозвано 26 лицензий и 5 кредитных организаций были ликвидированы добровольно. Суммарный объем активов банков, лишенных лицензии в июле-сентябре, по оценкам экспертов РИА Рейтинг, составил порядка 340 миллиардов рублей или 0,4% от суммарных активов банковской системы. В целом с начала года по состоянию на 19 октября было отозвано 76 лицензий у кредитных организаций и НКО и 12 лишилось лицензии добровольно. 

Для оценки ситуации в разрезе отдельных кредитных организаций, Рейтинговое агентство «РИА Рейтинг» провело анализ и подготовило рейтинг крупнейших банков России по объему активов по итогам третьего квартала 2016 года. В рейтинге представлены данные на 1 октября 2016 года по 629 банкам России, которые опубликовали свою отчетность согласно форме №101 на сайте ЦБ РФ в соответствии с Указанием Банка России № 192-У и Письмом Банка России № 165-Т. Методика рейтинга предусматривает агрегирование данных оборотных ведомостей.

Иностранцы вновь в аутсайдерах

По итогам третьего квартала прирост активов продемонстрировали 384 банка или 61% от раскрывших отчетность. Это лучший квартальный результат текущего года – во втором квартале активы увеличились у 50% банков, в первом – только у 38%. Однако по сравнению с третьим кварталом 2015 года результат ухудшился – тогда прирост активов был зафиксирован у 71% банков.

Как и в первой половине текущего года, лидерами по динамике прироста активов выступили российские частные банки, увеличившие активы на 3,6%. Вторыми стали госбанки, с результатом в 0,8%. Наиболее слабые показатели вновь отмечены у иностранных банков, которые показали снижение своих активов на 2% за квартал. 

Стоит отметить, что положительную динамику активов в основном продемонстрировали небольшие банки, за пределами первой сотни. В частности, среди ТОП-100 банков по объему активов средние темпы прироста составили 1,3%, а среди остальных банков 3,1%. Несмотря на это, доля банков с положительной динамикой в разных размерных группах была примерно одинаковой – в первой сотне 62%, во второй сотне – 63%, а за пределами ТОП-200 – 60%. 

Несмотря на быстрый рост активов у небольших банков концентрация активов банковского сектора в третьем квартале продолжила быстро расти, что является следствием массовых отзывов лицензий. Доля активов первой десятки банков за второй квартал выросла на 0,8 процентных пункта до 68,3%, а с начала года на 2,4 процентных пункта. При этом доля ТОП-50 увеличилась в меньшей степени и по итогам третьего квартала составила 88,1%, против 87,6% на 1 июля. 

В первой десятке крупнейших банков опять перестановки

Примечательно, что в первой десятке по размеру активов только у двух крупнейших банков активы сократились в номинальном выражении. У Сбербанка в июле-сентябре активы сократились на 0,2% или на 50 миллиардов рублей, а у банка ВТБ стали меньше на 1,2% или на 140 миллиардов рублей. Наилучшую динамику при этом показал Банк «ФК Открытие», у которого активы за три месяца выросли на 11,2% или на 326 миллиардов рублей.

При этом в третьем квартале в первой десятке банков произошло несколько заметных изменений. В частности, у трех банков изменились места в рейтинге. ЮниКредит Банк потерял одну позицию и покинул первую десятку, так как активы у данного банка сократились в июле-сентябре на 2,1%. При этом Промсвязьбанк также потерял одно место в рейтинге но смог сохранить место в десятке, расположившись на 10-м месте. Подвинуть два этих банка в рейтинге сумел МОСКОВСКИЙ КРЕДИТНЫЙ БАНК, который за счет роста активов на 7,2% за квартал смог подняться с 11 места на 1 июля до 9 места на 1 октября. 

В четвертом квартале рост активов может составить 2-4%

Выход на положительные темпы прироста в последнем квартале не должны создавать иллюзий в отношении прогнозов дальнейшего развития в среднесрочной перспективе. Банковский сектор вслед за экономикой в целом продолжает находиться в достаточно сложном положении. Бизнес пока не готов брать деньги на развитие, что хорошо видно по падающим инвестициям, а население демонстрирует высокую склонность к сбережениям, что не дает повода с оптимизмом смотреть на розничное кредитование. При определенных условиях четвертый квартал может быть все же несколько лучше из-за эффекта 13-й зарплаты.

По мнению экспертов РИА Рейтинг, наиболее вероятным является рост активов российских банков в 4-м квартале текущего года на 2-4%. При этом, скорее всего, рост может принять устойчивый характер лишь со второго квартала 2017 года, когда на фоне уверенности в замедлении инфляции до целевых уровней процентные ставки могут начать относительно быстро снижаться, что подстегнет инвестиции и потребительские расходы. 

Рейтинг банков по объему активов на 1 октября 2016 года в pdf-формате >>

РИА Рейтинг – это универсальное рейтинговое агентство медиагруппы МИА «Россия сегодня», специализирующееся на оценке состояния компаний, регионов, банков, отраслей и кредитных рисков. Основными направлениями деятельности агентства являются: присвоение кредитных рейтингов и рейтингов надежности банкам, предприятиям, регионам, муниципальным образованиям, страховым компаниям, ценным бумагам, другим экономическим объектам; экономические исследования в финансовом, корпоративном и государственном секторах.  

МИА «Россия сегодня» – международная медиагруппа, миссией которой является оперативное, взвешенное и объективное освещение событий в мире, информирование аудитории о различных взглядах на ключевые события. РИА Рейтинг в составе МИА «Россия сегодня» входит в линейку информационных ресурсов агентства, включающих также: РИА Новости, Р-Спорт, РИА Недвижимость, Прайм, ИноСМИ. МИА «Россия сегодня» лидирует по цитируемости среди российских СМИ и наращивает цитируемость своих брендов за рубежом. Агентство также занимает лидирующее положение по цитируемости в российских социальных сетях и блогосфере. 

Источник: 1prime.ru

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