Российские банки в рейтинге крупнейших банков СНГ – 2016

Российские банки в рейтинге крупнейших банков СНГ – 2016
© РИА Новости Илья Питалев

Российские банки в рейтинге крупнейших банков СНГ – 2016

Всего в России на 1 сентября 2016 года осуществляют свою деятельность 609 банков, что в три раза больше, чем во всех странах СНГ вместе взятых, однако годом ранее их было более 700. При этом наиболее мощными игроками в банковском секторе России выступают банки с государственным участием, на которые приходится примерно 62% активов отрасли. Еще 30% составляют активы частных банков, а на иностранных игроков приходится лишь 8% активов банковской системы. 

Несмотря на большое число банков, российская банковская система характеризуется достаточно высокой концентрацией активов. По доле крупнейшего банка Российская банковская система занимает 4 место среди 12 стран СНГ, а по доле 3-х крупнейших банков (47%) – 7-е место в СНГ. Только на долю Сбербанка в России приходится почти 30% активов банковской системы, 

Основные тенденции российского банковского сектора – массовый отзыв лицензий 

Как отмечали эксперты РИА Рейтинг в своем аналитическом материале по итогам 2015 года, основной тенденцией банковского сектора является масштабный отзыв лицензий. В части отзыва банковских лицензий 2015 год во многом стал рекордным. Лицензий лишились почти 100 банков или почти 15% от работающих. Таких масштабов отзыва лицензий в России не было никогда. При этом прошедший год характеризовался не только количеством, но и «качеством». Лицензий в 2015 году лишались по-настоящему крупные банки, и даже целые банковские группы. В целом за год лицензий лишились 104 кредитные организации, из них 93 лишились лицензий принудительно. По расчетам РИА Рейтинг, суммарный объем активов у банков, лишившихся лицензий, на 1 января 2015 года составил почти 20 миллиардов долларов или 1,5% от объема активов банковской системы. Среди банков с отозванной лицензией были 22 банка с активами более 10 миллиардов рублей. 

В 2016 году данная тенденция продолжилась. С начала года по состоянию на 20 сентября было отозвано 70 лицензий у кредитных организаций и НКО и 11 лишилось лицензии добровольно. При этом шесть банков, лишившиеся лицензий, можно отнести к крупным.

Таким образом, теперь 300 банков в России через 5-7 лет не кажется фантастикой. В последние годы отзыв лицензий, и соответственно расчистка банковского сектора, заметно ускорилась. С высоких трибун при этом озвучивались прогнозы о сокращении в разы числа российских банков, однако до поры до времени это звучало как радикальный фантастический вариант развития событий. В 2015 году число отозванных лицензий стало рекордным, причем под отзыв зачастую попадали очень крупные банки, про которых до этого говорили «too big to fail». Решительность Центробанка РФ в вопросе отзыва лицензий позволяет говорить о том, что «фантастический» сценарий сокращения числа работающих банков приобретает реальные очертания. В 2016 году эксперты РИА Рейтинг ожидают продолжения политики Центробанка РФ в области «расчистки» банковской системы.

Стоит отметить, что отзыв лицензий у российских банков в меньшей степени связан с кризисом и ростом просрочки по кредитным портфелям, а в большей степени объясняется противоправными действиями банков, а также систематической подделкой отчетности, которая началась задолго до текущего кризиса. Можно сказать, что многие из лишившихся лицензий банков потеряли их за обнаруженные «скелеты в шкафу». По мнению РИА Рейтинг, очистка российского банковского сектора еще не завершена и в дальнейшем мы продолжим наблюдать относительно крупные и частые отзывы лицензий.

Российские банки абсолютные лидеры рейтинга

В совокупных активах банковских систем стран СНГ активы российских банков  на 1 января 2016 года составляли 82,0%, что на 0,3 процентного пункта больше, чем на начало 2015 года. Масштабы российской банковской системы относительно других стран СНГ хорошо иллюстрирует размер крупнейших российских банков. Только один Сбербанк России аккумулировал на 32% больше активов (311 миллиардов долларов на 1 января 2016 года), чем все нероссийские банки СНГ (236 миллиардов долларов) вместе взятые или в 1.6 раза больше суммарных активов всех 84 нероссийских банков, представленных в рейтинге ТОП-200 банков СНГ. Активы второго крупнейшего банка России – Банка ВТБ, даже без его многочисленных дочерних банков, превосходят совокупные активы банков Украины и Казахстана вместе взятых. Причем даже небывалая девальвация рубля в 2014 и 2015 годах относительно практически всех валют стран СНГ не пошатнула позиций российских банков. 

Кроме того, многие крупные российские банки имеют дочерние банки на территории ближнего зарубежья. Например, в рейтинг вошли несколько иностранных дочек Сбербанка: Сбербанк России (Украина), Сбербанк (Казахстан) и БПС-Сбербанк (Белоруссия), а также дочерние кредитные организации Банка ВТБ и Альфа-Банка – ВТБ Банк (Украина), Банк ВТБ (Армения), Банк ВТБ (Беларусь), Банк ВТБ (Грузия), Альфа-Банк (Украина), Альфа-Банк (Беларусь) и Альфа-Банк (Казахстан).

Рейтинг покинули 17 российских банков, а пополнили 11

По итогам 2015 года Россия потеряла в рейтинге 6 банков, и теперь представлена 116 кредитными организациями (2 года назад было 130 банков). Причины того, что российские банки покинули список крупнейших банков СНГ, были различными. Часть были поглощены или слились с другими кредитными организациями, у какой-то части банков активы снизились ниже порога вхождения в рейтинг, но все же большая часть покинувших рейтинг банков лишились лицензий из-за нарушений банковского законодательства. 

В целом по 17 российских банков, входивших в прошлогодний рейтинг, сейчас не представлены в нем. Однако на место ушедших пришло 11 других российских банков, которые не были представлены в прошлом рейтинге. Причем одному «новичку» удалось сразу занять очень высокую строчку. РНКБ Банк занял по итогам 2015 года 129 место, в целом этот банк стал самым успешным новичком в текущем году среди всех банков СНГ. Данный банк специализируется на работе в Крыму, где он имеет почти монопольное положение, что и обеспечивает ему высокие темпы роста. 

Несмотря на относительно слабые результаты российских банков в среднем, отдельным кредитным организациям удалось показать очень впечатляющий рост в 2015 году. Именно российские банки стали безоговорочными лидерами по темпам роста в прошедшем году. Росэксимбанк продемонстрировал рост активов за год в 2,4 раза в долларовом выражении, что позволило ему занять 170-е место в итоговом рейтинге. Санируемый Рост Банк показал такой же прирост, что позволило ему занять 36-е место в текущем рейтинге против 92-го места в прошлогоднем. В целом первая пятерка по темпам роста представляют Россию.

В среднесрочной перспективе можно ожидать усиления представительства российских банков в рейтинге

В ближайшие годы банковские системы СНГ смогут адаптироваться к новым условиям, однако процесс адаптации будет происходить неравномерно. При этом российская финансовая система уже начала демонстрировать заметную позитивную динамику в 2016 году, что найдет отражение в следующем в рейтинге по итогам 2017 года. 

По мнению экспертов РИА Рейтинг, в следующем рейтинге российским банкам удастся заметно укрепить свои позиции – их число вырастет, и многие из них улучшат свои позиции. Как за счет собственного роста, так и за счет отрицательной динамики у конкурентов. В целом такой прогресс может произойти, в том числе за счет «выпадения» банков стран, которые недавно попали в рейтинг крупнейших банков СНГ. 

Российские банки в рейтинге ТОП-200 банков СНГ в PDF-формате>>>

Методология составления рейтинга

Оценка активов банков производилась на основе данных неконсолидированной аудированной отчетности по международным стандартам, а в случае ее отсутствия в публичном доступе использовалась аудированная отчетность по национальным стандартам. В отдельных случаях из-за недоступности другой отчетности использовалась аудированная консолидированная отчетность или собственный расчет на основании показателей оборотной ведомости. Все данные брались из открытых источников. Из-за того, что для целей рейтинга использовались неконсолидированные активы банков, в рейтинге присутствуют банки, входящие в одну банковскую группу.

Для пересчета активов банков из национальных валют в доллары использовались официальные курсы центральных банков на 1 января 2016 года. Прирост активов считался в долларах США. Все данные брались из открытых источников. Официальные курсы ряда национальных валют стран СНГ значительно отличается от курсов, по которым происходят реальные экономические операции.

Грузия в 2009 году официально вышла из состава СНГ, но грузинские банки исторически включаются в рейтинг.

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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