The second largest player in the mortgage market - VTB 24 - the results of last year showed the growth of the portfolio is 2.3%, follows from its international reporting, while the market grew by 11.8%. The bank argued that the issuance of mortgages has increased almost threefold over the previous year, and cause a modest portfolio growth was an increase in the volume of early redemption. Other leading players in the mortgage market this trend is not observed.
The second player, after the Savings Bank in the mortgage market - VTB 24 (the Savings Bank's market share - 53%, VTB 24 - 16%) showed a very modest portfolio growth for the last year - just 2.3%, that is 4 billion rubles., To 178 billion rubles. follows from the Bank of IFRS for 2010. It is even less than in the crisis year of 2009 - 5.5 billion rubles. When the mortgage market was half alive and in fact the whole issue was to refinance troubled loans. In 2008, VTB-24 showed twofold increase in its mortgage portfolio.
Thus, in the growth of the portfolio in 2010, VTB-24 yielded the position of Gazprombank (market share of 6%), which, according to IFRS, built up its mortgage portfolio by 9.9 billion rubles., To 65.2 billion rubles. Issuance of mortgage he was just over 16 billion rubles. Sberbank portfolio growth by the end of 2010 according to IFRS amounted to 90.99 billion rubles. According to the press service of the Savings Bank in 2010 were granted housing loans worth 220.7 billion rubles., And the amount of repayment for the year totaled 134.9 billion rubles.
According to official statistics, the Central Bank in 2010 was granted mortgage loans worth 380 billion rubles., The portfolio of January 1, 2011 amounted to 1.13 trillion rubles. Increased during the year to 120 billion rubles. A year earlier, the volume of issuance amounted to 151.5 billion rubles. In 2008 the figure was 665.7 billion rubles. The largest banks in terms of the mortgage - Sberbank, VTB 24, GPB, the bank "DeltaCredit", "KIT Finance", "Uralsib", accounting for 87% of the market.
In the VTB-24 is so modest mortgage portfolio growth was explained by the fact that new loans given quite a lot, but the citizens faster rate early repayment of earlier loans. "We've issued in 2010 to two and a half times more mortgages than a year earlier, while the increase was smaller than in 2009 - said the deputy director of the department mortgage VTB 24 Elena Tarasova .- This is due to the fact that in the past year and a half very strongly increased amount of early repayment. At the exit from the crisis all their savings accumulated in a crisis, customers are directed to repay the mortgage. " According to her, it makes the bank's concern, as the mortgage may become unprofitable if the amount of early repayment will be critical. "You can prevent this only by increasing the duration of the moratorium on prepayment, which is now three months - she continues .- But in the rush of high number of departments in respect of the rights of consumers, such measures must be well weighed."
The second factor influencing the growth of its mortgage portfolio VTB 24, according to Ms. Tarasova was the revaluation of the currency - about 30% of the mortgage portfolio is formed in the currency. Meanwhile, by end of 2010 the ruble against the dollar virtually unchanged (30.5 rubles. / $ At the end of the year against 30.2 rubles. / $ At the beginning) fell euros (40.33 USD. / € 43.5 vs. rub. / €), while in practice most of the foreign currency mortgage is formed by the dollar.
Does not confirm the market and a sharp increase in prepayments. According to the Central Bank, in 2010 the volume of prepayments on the mortgage of 96 billion rubles. against 76.8 billion rubles. a year earlier, which means it has decreased in relative terms, amid growing issuance of mortgage in two and a half times. "Usually the amount of early repayment of mortgages is 7-12% of the portfolio, and it is in the best years - said a member of the board of Gazprombank Valery Seregin .- There is no spike in the past year, we did not notice." Have not noticed anything like this in the bank "DeltaCredit." "Prepayment really" eats "a significant part of the output to ramp up a portfolio, for example, 40%, we should increase the issuance of up to 80% - said vice-chairman of board of bank" Revival "Oleksandr Dolgopolov .- But I would not say that the volume early redemption is now much higher than before the crisis, we have this figure is approximately the same level. "
The difficulties of organic growth of mortgage portfolio VTB 24 can compensate for the purchase of mortgage loans from other banks. The acquisition of the mortgage portfolio in "KIT Finance" worth 36 billion rubles. be held this year.
The second player, after the Savings Bank in the mortgage market - VTB 24 (the Savings Bank's market share - 53%, VTB 24 - 16%) showed a very modest portfolio growth for the last year - just 2.3%, that is 4 billion rubles., To 178 billion rubles. follows from the Bank of IFRS for 2010. It is even less than in the crisis year of 2009 - 5.5 billion rubles. When the mortgage market was half alive and in fact the whole issue was to refinance troubled loans. In 2008, VTB-24 showed twofold increase in its mortgage portfolio.
Thus, in the growth of the portfolio in 2010, VTB-24 yielded the position of Gazprombank (market share of 6%), which, according to IFRS, built up its mortgage portfolio by 9.9 billion rubles., To 65.2 billion rubles. Issuance of mortgage he was just over 16 billion rubles. Sberbank portfolio growth by the end of 2010 according to IFRS amounted to 90.99 billion rubles. According to the press service of the Savings Bank in 2010 were granted housing loans worth 220.7 billion rubles., And the amount of repayment for the year totaled 134.9 billion rubles.
According to official statistics, the Central Bank in 2010 was granted mortgage loans worth 380 billion rubles., The portfolio of January 1, 2011 amounted to 1.13 trillion rubles. Increased during the year to 120 billion rubles. A year earlier, the volume of issuance amounted to 151.5 billion rubles. In 2008 the figure was 665.7 billion rubles. The largest banks in terms of the mortgage - Sberbank, VTB 24, GPB, the bank "DeltaCredit", "KIT Finance", "Uralsib", accounting for 87% of the market.
In the VTB-24 is so modest mortgage portfolio growth was explained by the fact that new loans given quite a lot, but the citizens faster rate early repayment of earlier loans. "We've issued in 2010 to two and a half times more mortgages than a year earlier, while the increase was smaller than in 2009 - said the deputy director of the department mortgage VTB 24 Elena Tarasova .- This is due to the fact that in the past year and a half very strongly increased amount of early repayment. At the exit from the crisis all their savings accumulated in a crisis, customers are directed to repay the mortgage. " According to her, it makes the bank's concern, as the mortgage may become unprofitable if the amount of early repayment will be critical. "You can prevent this only by increasing the duration of the moratorium on prepayment, which is now three months - she continues .- But in the rush of high number of departments in respect of the rights of consumers, such measures must be well weighed."
The second factor influencing the growth of its mortgage portfolio VTB 24, according to Ms. Tarasova was the revaluation of the currency - about 30% of the mortgage portfolio is formed in the currency. Meanwhile, by end of 2010 the ruble against the dollar virtually unchanged (30.5 rubles. / $ At the end of the year against 30.2 rubles. / $ At the beginning) fell euros (40.33 USD. / € 43.5 vs. rub. / €), while in practice most of the foreign currency mortgage is formed by the dollar.
Does not confirm the market and a sharp increase in prepayments. According to the Central Bank, in 2010 the volume of prepayments on the mortgage of 96 billion rubles. against 76.8 billion rubles. a year earlier, which means it has decreased in relative terms, amid growing issuance of mortgage in two and a half times. "Usually the amount of early repayment of mortgages is 7-12% of the portfolio, and it is in the best years - said a member of the board of Gazprombank Valery Seregin .- There is no spike in the past year, we did not notice." Have not noticed anything like this in the bank "DeltaCredit." "Prepayment really" eats "a significant part of the output to ramp up a portfolio, for example, 40%, we should increase the issuance of up to 80% - said vice-chairman of board of bank" Revival "Oleksandr Dolgopolov .- But I would not say that the volume early redemption is now much higher than before the crisis, we have this figure is approximately the same level. "
The difficulties of organic growth of mortgage portfolio VTB 24 can compensate for the purchase of mortgage loans from other banks. The acquisition of the mortgage portfolio in "KIT Finance" worth 36 billion rubles. be held this year.
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