Russia Banking Sector Analysis

Russia’s banking sector confidently resisted global financial pressures and has observed significant growth during the recovery phase after recession. Showing resistance to the after effects of the global economic meltdown, the sector continued to record double digit growth in 2009 and was expected to surpass this performance in 2010. It is expected that the banking assets will grow at a CAGR of over 14% during 2011-2014.

Our findings, which have been amassed in our new research report titled “Russia Banking Sector Analysis”, reveal that despite fragile economic conditions, banks continued to lend to the enterprises as well as households. Total credit extended (to households and non-financial organizations) by Russian banks registered tremendous recovery during 2010. We also noted that the state and foreign controlled banks have increased their market share in terms of total credit volume extended and are now actively lending with improving economic conditions. Further, deposits with Russian banks are expected to grow along with bank cards market in the country. With largely untapped banking sector, Russia reflects huge potential for growth of retail services in the country.

The Russian government took necessary protective measures to safeguard the interest of consumers and facilitating growth of services, which are discussed in detail in the report. With such support of regulatory bodies and the federal government, banks have been able to sustain consumer confidence on the domestic banking system.

Besides, the report analyzes factors critical to the success of the Russian banking industry. It has also identified key players in the market and contains their detail business description along with their recent activities. Additionally, the report discusses the market structure, current, and past market performance of the banking sector in Russia. Moreover, the report sheds light on the emerging market opportunities. Forecast for all the important banking performance indicators like, deposits, loans and bank cards, have also been included to present a better understanding of the banking sector in the country.
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1. Analyst View
2. Macroeconomic Analysis
3. Banking Industry Overview
4. Key Performance Indicators
4.1 Bank Loans
4.1.1 Individual Loans
4.1.2 Corporate Loans
4.2 Bank Deposits
4.2.1 Individual Deposits
4.2.2 Corporate Deposits
4.3 Payment Instruments
4.3.1 Bank Cards
4.3.2 ATM Terminals
4.3.3 POS Terminals and Imprinters
5. Risk Factors & Capital Adequacy Analysis
5.1 Risk Factors
5.1.1 Credit Risk
5.1.2 Market Risk
5.1.3 Liquidity Risk
5.2 Capital Adequacy
6. Government Regulations
7. Market Opportunities
7.1 Privatization - To Make Industry More Competitive & Efficient
7.2 Potential in Mortgage Financing
7.3 Scope for Non-Performing Loans Recovery
7.4 Mounting Demand for Online Banking Services
7.5 Expansion in Emerging Markets
8. Key Players
8.1 Sberbank of Russia
8.2 VTB Bank
8.3 Gazprombank
8.4 Bank of Moscow
[Inhaltsverzeichnis ausblenden]

Table 3-1: Banking Assets Structure (%), 2009
Table 3-2: Number of Credit Institutions by Type (2008, 2009 & Oct 2010)
Table 3-3: Concentration of Assets in Banking Sector (%), 2008, 2009 & Oct 2010
Table 4-1: Loans by Group of Banks (%), 2008 & 2009
Table 4-2: Distribution of Loans by Economic Activities (%), 2010
Table 4-3: Top Ten Banks by Number of ATMs (H1 2010)
Table 5-1: Market Risk Structure for Banking Sector (2008 & 2009)
Table 5-2: Capital Adequacy Ratio by Group of Credit Institutions (2008 & 2009)
Table 8-1: Top Ten Banks by Assets (%)
Figure 2-1: Real GDP Growth (%), 2008-2014
Figure 2-2: FDI in Financial Sector (Million US$), 2008-2010
Figure 2-3: Per Head Disposable Income (US$), 2008-2014
Figure 3-1: Banking Assets (Trillion Rubles), 2008-2014
Figure 4-1: Bank Loans (Trillion Rubles), 2008-2014
Figure 4-2: Breakup of Bank Loans by Type (%), 2010
Figure 4-3: Bank Loans to Individuals (Trillion Rubles), 2008-2014
Figure 4-4: Bank Loans to Non-financial Organizations (Trillion Rubles), 2008-2014
Figure 4-5: Bank Deposits (Trillion Rubles), 2008-2014
Figure 4-6: Breakup of Bank Deposits by Type (%), 2010
Figure 4-7: Individual Deposits with Banks (Trillion Rubles), 2008-2014
Figure 4-8: Corporate Deposits with Banks (Trillion Rubles), 2008-2014
Figure 4-9: Number of Bank Cards (Million), 2007-2010
Figure 4-10: Share of Credit Cards in Bank Cards (2010)
Figure 4-11: Number of Credit Cards (Million), 2008-2014
Figure 4-12: Credit Card Loan Market by Player (%), Q1 2010
Figure 4-13: Number of ATM Terminals (2007-2009)
Figure 5-1: Breakup of Bank Loans by Risk Level (%), 2009
Figure 5-2: Liquidity Ratios for Banking Sector (2007-2009)
Figure 5-3: Capital Adequacy Ratio for Banking Sector (2007-2009)
Figure 7-1: Mortgage Loans (Billion Rubles), 2009-2011
Figure 7-2: Internet Users Penetration (2009-2013)
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