For the stable operation of a credit institution, a balanced portfolio of loans and deposits is required. Moreover, in order to timely fulfill obligations to depositors, the bank requires timely repayment of loans.
However, not all domestic credit organizations can boast of such an ideal balance. Our rating the most unreliable banks in Russia includes 10 credit organizations, in the portfolio of which the share of overdue debt is so high that it could lead to default.
Compiled on the basis of RIA data.
10. “Renaissance Credit”, the share of overdue debt - 12.2%
The bank's activity as of September 1 is unprofitable. The size of the negative financial result is 1.2 billion rubles. As the quality of the bank’s loan portfolio is declining, leading rating agencies downgraded Renaissance ratings in 2014.
9. MDM Bank, 12.5%
In addition to a high share of debt in arrears in the portfolio, MDM demonstrates a loss from operations for 9 months in the amount of 1.3 billion. Last year, the bank topped the rating of the most unprofitable credit organizations.
8. Probusinessbank, 13%
A high share of overdue debt in the portfolio characterizes this Russian bank as unstable. However, the ratings of Probusinessbank from Fitch on 07/01/2014 were at BBB (stable). Meanwhile, in comparison with January, the share of overdue debt increased by 6%.
7. OTP Bank OJSC, 14.5%
The bank of the Hungarian OTP group has been showing an increase in bad debt in its portfolio - by 3% since the beginning of the year. At the same time, ratings of international agencies characterize the bank as stable.
6. MTS Bank OJSC, 14.5%
In addition to the high share of overdue debts in favor of the low reliability of the bank, the fact that it was held administratively liable in 2013 for conducting transactions related to the violation by MTS Bank of the anti-legalization legislation is evidence of its low reliability.
5. Uniastrum Bank, 14.9%
Most likely, the troubled bank will end the year at a loss. As of September 1, the loss of Uniastrum amounted to 721 million. Last year, the bank was taken under the control of the Central Bank of the Russian Federation due to the problems of its founder - Bank of Cyprus.
4. Svyaznoy Bank, 14.9%
According to IFRS results, according to IFRS, the loss of Svyaznoy Bank is 3.8 billion. This amount exceeds the loss of the previous year by one and a half times. The increase in losses was facilitated by an increase in reserve requirements for overdue loans.
3. CJSC Russian Standard Bank, 18.2%
Opens a list of the three most unreliable banks. Fitch's rating for Russian Standard was downgraded to A- at the end of last year with a negative outlook, which was greatly facilitated by the growth of distressed assets in its loan portfolio.
2. OAO KB Let's Come, 20.5%
The bank is part of the Life group, which also includes Probusinessbank. It is noteworthy that the same group includes the lost Bank 24.ru 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 floor in terms of assets, with the share of distressed assets growing in the portfolio by 21.3% since January. Out of the total volume of loans to legal entities, overdue accounts for 64%. Such indicators make MB Bank the most unreliable in the Russian market.
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