At the end of 2011 in the segment of consumer finance has changed the composition of private bank-leaders in terms of growth portfolios. Universal banks are inferior to their position in the segment, regained in the acute phase of the crisis, "consumer" of players. As a result of HCF-bank ousted from first place "Trust", has entered the top five "Russian Standard", overcame the downward trend in the loan portfolio, outlined by end of 2010, but the top 5 most active in retail banking left Alfa-Bank.
"B" has analyzed the annual accounting standards the key players in the market of retail lending from private banks. As a result of 2011 five leaders changed substantially compared to 2010. Bank "Trust", has the highest absolute growth of retail portfolio, changed places in the ranking with HCF-bank. In second place was "Russian Standard", by the end of 2010 did not among the top 5, as shown reduction in the loan portfolio of 4.8 billion rubles. And here is the fourth and fifth place in 2010, Alpha Bank and Bank Rusfinance left the top 5. In fifth place on the absolute growth portfolio in 2011, Credit Europe Bank was in 2010 occupied only the sixth place (see table on page 7).
In HCF-bank explained the high rate of growth of credit portfolio that includes the bank's increased share of the retail credit market from 2% to 5% within two to three years. "To achieve this we aim at the expense of expanding the network of offices and product lines," - stressed the head of HCF-bank Ivan Svitek. The bank "Russian Standard" explained his return to the rating of the fact that in 2010 only work with quality lenders and sought to maintain a low risk of the portfolio.
"The bank has invested significant resources in developing new products, services and technology solutions for clients, which helped so much to grow in 2011", - reported in "Russian Standard".
"We were not trying to be a leader, more importantly, that the bank has fulfilled a problem in 2011 - said the bank" Trust ".- If in 2010 the driver of growth portfolio were cash loans in 2011 were added and loans trading networks. They we will focus this year, keeping the overall credit growth. " In OTP Bank noted that in 2011, the absolute increase was higher than in 2010 (28.2 billion to 24 billion rubles).. "This is a good result, especially given the fact that it consists primarily of consumer loans, whose average life span of a small briefcase. So, we need to give a lot to provide such a growth portfolio," - said the head of OTP Bank Zoltan Illes.
Alfa Bank, who left the top five in the growth of the retail portfolio, explains the fact that until 2011 the retail loan portfolio grew by five products, which included mortgages and car loans, and in early 2011 directed lending has been removed from the priority areas for development, portfolio of these products so dilapidated, that impact on the overall growth of retail trade. In Rusfinance bank yesterday could not comment on their results.
The fact that the leadership back to the consumer banks, natural, experts say. "During the crisis, many banks monolines lost their positions universal banks - primarily because of problems with funding - says analyst" VTB Capital "Roman Luchkovsky .- So the banks, as the" Russian Standard "," Renaissance Credit "Credit Europe Bank and others, had to replace market funding by other sources - especially retail deposits, and quick to do was impossible. In HCF-bank and bank-Rusfinance was to support the parent company. " During the crisis, retail banks are working to diversify funding base and parallel to the quenched its market debt, so that by 2011 they were able to resume its aggressive strategy for the retail lending market and regain the lead, as they have historically higher appetite for risk than that of the universal banks, indicates Mr. Luchkovsky.
Overly aggressive growth of retail loan portfolios already causing fear of the regulator. As a result of HCF-2011 the bank has increased the retail loan portfolio by 49%, "Russian Standard" - 45%, OTP Bank - by 47%, "Trust" and the Credit Europe Bank - 70%. In general, the system for the past year, the retail loan portfolio grew by 36%, and, according to deputy chairman Alexei Simanovsky, these rates were "somewhat alarming" - are the appropriate rates of 20-25% per year (see "N" of 20 January). In banks, trust in the reliability of its risk management. "The threats to the bank we do not see as a" Trust "is one of the most mobile and modern risk management systems, in addition, the bank plans to non-aggressive quality growth" - said the "Trust". "In general, I share the concerns control of relatively high growth in retail loan portfolios, but we adequately assess the risks - the quality of the portfolio HCF-Bank in 2011, not worse" - indicates Ivan Svitek.
"B" has analyzed the annual accounting standards the key players in the market of retail lending from private banks. As a result of 2011 five leaders changed substantially compared to 2010. Bank "Trust", has the highest absolute growth of retail portfolio, changed places in the ranking with HCF-bank. In second place was "Russian Standard", by the end of 2010 did not among the top 5, as shown reduction in the loan portfolio of 4.8 billion rubles. And here is the fourth and fifth place in 2010, Alpha Bank and Bank Rusfinance left the top 5. In fifth place on the absolute growth portfolio in 2011, Credit Europe Bank was in 2010 occupied only the sixth place (see table on page 7).
In HCF-bank explained the high rate of growth of credit portfolio that includes the bank's increased share of the retail credit market from 2% to 5% within two to three years. "To achieve this we aim at the expense of expanding the network of offices and product lines," - stressed the head of HCF-bank Ivan Svitek. The bank "Russian Standard" explained his return to the rating of the fact that in 2010 only work with quality lenders and sought to maintain a low risk of the portfolio.
"The bank has invested significant resources in developing new products, services and technology solutions for clients, which helped so much to grow in 2011", - reported in "Russian Standard".
"We were not trying to be a leader, more importantly, that the bank has fulfilled a problem in 2011 - said the bank" Trust ".- If in 2010 the driver of growth portfolio were cash loans in 2011 were added and loans trading networks. They we will focus this year, keeping the overall credit growth. " In OTP Bank noted that in 2011, the absolute increase was higher than in 2010 (28.2 billion to 24 billion rubles).. "This is a good result, especially given the fact that it consists primarily of consumer loans, whose average life span of a small briefcase. So, we need to give a lot to provide such a growth portfolio," - said the head of OTP Bank Zoltan Illes.
Alfa Bank, who left the top five in the growth of the retail portfolio, explains the fact that until 2011 the retail loan portfolio grew by five products, which included mortgages and car loans, and in early 2011 directed lending has been removed from the priority areas for development, portfolio of these products so dilapidated, that impact on the overall growth of retail trade. In Rusfinance bank yesterday could not comment on their results.
The fact that the leadership back to the consumer banks, natural, experts say. "During the crisis, many banks monolines lost their positions universal banks - primarily because of problems with funding - says analyst" VTB Capital "Roman Luchkovsky .- So the banks, as the" Russian Standard "," Renaissance Credit "Credit Europe Bank and others, had to replace market funding by other sources - especially retail deposits, and quick to do was impossible. In HCF-bank and bank-Rusfinance was to support the parent company. " During the crisis, retail banks are working to diversify funding base and parallel to the quenched its market debt, so that by 2011 they were able to resume its aggressive strategy for the retail lending market and regain the lead, as they have historically higher appetite for risk than that of the universal banks, indicates Mr. Luchkovsky.
Overly aggressive growth of retail loan portfolios already causing fear of the regulator. As a result of HCF-2011 the bank has increased the retail loan portfolio by 49%, "Russian Standard" - 45%, OTP Bank - by 47%, "Trust" and the Credit Europe Bank - 70%. In general, the system for the past year, the retail loan portfolio grew by 36%, and, according to deputy chairman Alexei Simanovsky, these rates were "somewhat alarming" - are the appropriate rates of 20-25% per year (see "N" of 20 January). In banks, trust in the reliability of its risk management. "The threats to the bank we do not see as a" Trust "is one of the most mobile and modern risk management systems, in addition, the bank plans to non-aggressive quality growth" - said the "Trust". "In general, I share the concerns control of relatively high growth in retail loan portfolios, but we adequately assess the risks - the quality of the portfolio HCF-Bank in 2011, not worse" - indicates Ivan Svitek.
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