For a stable operation of a credit institution, a balanced portfolio of loans and deposits is needed. At the same time, in order to timely fulfill obligations to depositors, the bank requires a timely return of loans granted.
However, not all domestic credit institutions can boast of such an ideal balance. Our rating of the most unreliable Russian banks includes 10 credit institutions, in the portfolio of which the share of overdue debt is so high that it can lead to a default.
Compiled on the basis of data from the agency RIA.
Content:
- 10. Renaissance Credit, 12.2% of overdue debt
- 9. MDM Bank, 12.5%
- 8. Probusinessbank, 13%
- 7. OTP Bank, 14, 5%
- 6. MTS Bank, 14.5%
- 5. Uniastrum Bank, 14.9%
- 4. Svyaznoy Bank, 14.9%
- 3. ZAO Russian Standard Bank,18.2%
- 2. OJSC CB Go, 20.5%
- 1. MB Bank, 34.3%
10. Renaissance Credit, share of overdue loans - 12.2%
The bank's activity as ofon September 1 is unprofitable. The size of the negative financial result is 1.2 billion rubles. As the quality of the loan portfolio of the bank is reduced, leading rating agencies downgraded in 2014, the ratings of the "Renaissance".
9. MDM Bank, 12.5%
In addition to the high proportion of outstanding debts in the portfolio, MDM demonstrates a loss from operations for 9 months in the amount of 1.3 billion rubles. Last year, the bank topped the rating of the most unprofitable lending institutions.
8. Probusinessbank, 13%
The high proportion of overdue loans in the portfolio characterizes this Russian bank as unstable. However, the ratings of Probusinessbank from the agency Fitch as of July 1, 2014 were at the level of BBB( stable).Meanwhile, in comparison with January the share of overdue debt increased by 6%.
7. OJSC OTP Bank, 14.5%
The Hungarian group OTP bank shows an increase in bad debts in the portfolio - by 3% since the beginning of the year. At the same time, the ratings of international agencies characterize the bank as stable.
6. MTS Bank OJSC, 14.5%
In addition to the high share of overdue loans in favor of the bank's low reliability, it is said that it was brought to administrative responsibility in 2013 for conducting operations related to MTS Bank's violation of anti-legalization legislation.
5. Uniastrum Bank, 14.9%
Most likely, the troubled bank will finish the year with a loss. As of September 1, the loss of Uniastrum amounted to 721 million rubles. Last year, the bank was taken over by the Central Bank of the Russian Federation because of problems of its founder - Bank of Cyprus.
4. Svyaznoy Bank, 14.9%
According to the results of the first half of the year, according to IFRS, Svyaznoy Bank's loss is 3.8 billion rubles. This amount exceeds the last year's loss by one and a half times. The growth of losses was facilitated by an increase in the reserve requirements for overdue loan debts.
3. ZAO Russian Standard Bank, 18.2%
Opens the list of the three most unreliable banks. The Fitch rating for Russian Standard was downgraded to A at the end of last year, with a negative outlook, helped by the growth of distressed assets in its loan portfolio.
2. OJSC CB Come, 20.5%
The Bank is part of the Life group, which also includes Probusinessbank. It is noteworthy that the same group includes the bank "24.Ru", which lost its license. For 9 months of 2014 the bank received a loss of 29 million rubles.
1. "MB Bank", 34.3%
The bank occupies the 295th place in terms of assets, while the share of distressed assets in the portfolio increased by 21.3% since January. From the aggregate volume of loans of legal entities, overdue accounts for 64%.Such indicators make "MB Bank" the most unreliable in the Russian market.
