ТОП-100 самых капитализированных банков СНГ – рейтинг 2016

ТОП-100 самых капитализированных банков СНГ – рейтинг 2016
© РИА Новости Игорь Самойлов

ТОП-100 самых капитализированных банков СНГ – рейтинг 2016

В целом в 2015 году лишь 43 банка из числа ТОП-200 крупнейших показали рост собственного капитала и 148 банков показали снижение. Таким образом, превалирующее число банков характеризовалось отрицательной динамикой.

Чтобы попасть в первую десятку крупнейших банков по объему собственного капитала в текущем рейтинге необходимо иметь собственный капитал на уровне 1,5 миллиарда долларов, тогда как годом ранее порог вхождения в ТОП-10 был на уровне 2,3 миллиарда долларов. При этом собственный капитал сотого по размеру банка на 1 января 2016 года составил 156 миллионов долларов (198 миллионов долларов в прошлогоднем рейтинге). В целом в 2015 году продолжилась тенденция снижения количества банков с объемом собственного капитала более 1 миллиарда, которая наблюдается второй год подряд, в частности в рейтинге представлены лишь 16 банков, тогда как предыдущих годах таких было 17 и 30 соответственно. 

При этом на ТОП-10 самых капитализированных банков (9 из которых российские и один из Белоруссии) в текущем рейтинге приходится порядка 65% всего собственного капитала ТОП-200 банков СНГ. Для сравнения, в прошлом году на десять крупнейших банков приходилось 57% капитала из рейтинга крупнейших банков СНГ. Таким образом, концентрация капитал заметно растет.

В первой десятке самых капитализированных банков произошли изменения

В 2015 году среди ТОП-10 крупнейших по объему капитала банков произошли значительные подвижки, и лишь первая тройка осталась без изменений. В частности, из-за отрицательной динамики капитала свои позиции внутри десятки крупнейших потеряли ВТБ 24 (-1 позиция) и Банк «ФК Открытие» (-5 позиций), однако им все-таки удалось остаться в числе десяти крупнейших. При этом первую десятку крупнейших банков покинули БМ Банк (бывший Банк Москвы) (-4 позиции) и Национальный Клиринговый Центр (-9 позиций), тогда как Беларусбанк и Росбанк поднялись на шесть позиций каждый, что им обоим позволило попасть в десятку крупнейших по объему капиталла банков СНГ (заняли 8-е и 10-е место ан 1 января 2016 года). Также на две позиции в рейтинге поднялись Альфа-Банк и ЮниКредит Банк и заняли 4-е и 5-е место соответственно.

Наибольшим объем собственных средств среди банков СНГ по-прежнему характеризуется Сбербанк России, объем собственного капитала которого на начало 2016 года был равен почти 32 миллиарда долларов, при том, что за год его капитал сократился на 9,4% в долларовом выражении. На втором месте в рейтинге по объему капитала находится Банк ВТБ с собственным капиталом 17,6 миллиарда долларов. Третье четвертое и пятое место также занимают российские банки Газпромбанк, Россельхозбанк и Альфа-Банк объем их капитала составлял на начало года 5,7, 3,2 и 3,1 миллиарда долларов соответственно. Стоит отметить, что на российские банки приходится порядка 83,5% капитала представленных в рейтинге банков СНГ, тогда как на казахстанские банки, которые занимают второе место, приходится лишь 6%.

Среди банков Казахстана наиболее капитализированным в рейтинге банков СНГ стал Народный банк Казахстана, занявший 11-е место в рейтинге наиболее капитализированных банков СНГ (капитал банка на 1 января составил 1,4 миллиарда долларов). Еще несколько крупных казахских банков обладали достаточно большим собственным капиталом в начале года. В частности, Казкоммерцбанк (капитал составил 1,1 миллиарда долларов) и ForteBank, собственный капитал которого составлял на начало года 0,5 миллиарда долларов. Оба банка вошли в ТОП-30 крупнейших и расположились в рейтинге на 15-ом и 28-ом местах соответственно.

Наиболее капитализированным банком Украины в 2015 году стал ПриватБанк, собственный капитал которого на 1 января 2016 года составлял 1,1 миллиарда долларов. Среди белорусских банков наибольшим собственным капиталом характеризовался Беларусбанк, который вошел в десятку крупнейших по объему капиталов банков и занял 8-е место в рейтинге, а также 14-е место по объему активов среди банков СНГ. Самым капитализированным грузинским банком в рейтинге стал Банк Грузии, собственный капитал которого на 1 января текущего года составлял 0,51 миллиарда долларов. Среди банков Азербайджана крупнейшим по объему капитала стал МБА Азербайджан (капитал в начале года был на уровне 0,46 миллиарда долларов).

Капитализация банков СНГ скоро начнет расти

Соотношение суммарного капитала к суммарным активам у крупнейших банков СНГ по итогам 2015 года было на уровне 9,2%. При этом у лидеров по относительной капитализированности это соотношение значительно выше. Лидерами по данному показателю являются российские банки, в частности, Банк «Аверс», который характеризуется высоким значением показателя второй год подряд (30,7%). Также хороший результат продемонстрировали Фольксваген Банк РУС и Банк «ЦентроКредит», у которых соотношение капитала и активов составляет 29,7% и 29,6% соответственно. В целом 35 банков из 200 крупнейших имели соотношение капитала к активам на уровне выше 15%, то есть данные банки имеют большой запас капитала для дальнейшего роста. С другой стороны, 29 банков характеризовались соотношением капитала и активов на уровне менее 5%, что может свидетельствовать о дефиците капитала у них. Стоит отметить, что данное соотношение не может в полной мере характеризовать достаточность капитала, так как не учитывается качество активов.

По оценкам экспертов РИА Рейтинг, тенденция снижения собственного капитала у банков СНГ вряд ли продолжится далее, и главным образом за счет российских банков, так как оперативная статистика российского банковского сектора выглядит достаточно позитивной. В 2016 году российский банковский сектор, который играет основную роль в СНГ, показывает впечатляющий результат по прибыли (по итогам года будет более 10 миллиардов долларов), а также наблюдается значительное укрепление национальной валюты, что положительно скажется на динамике капитала в долларовом выражении в будущем рейтинге. При этом остальные страны еще не справились с кризисными явлениями, и многие банки, скорее всего, продолжат наращивать резервы и тем самым снижать капитал. При этом на помощь государств, акционеров или инвесторов в большинстве случаев надеется, не приходится. В целом, по расчетам РИА Рейтинг, в 2016 году суммарный капитал банков СНГ вырастет более чем на 12%.

Крупнейшие банки СНГ по размеру собственного капитала 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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