Best lenders for small and medium-sized businesses

Private banks, which are increasingly on the development of state loans to small and medium-sized businesses, to press state-owned banks is not yet possible. Top three ranking is quite predictable: the Savings Bank, Agricultural Bank and VTB 24. In this case, if we compare the ranking of "F." to other market research, we can see that the state was able to overtake VTB24 "Uralsib". Thus, all the "podium" occupied the banks, control of which belongs to the state. However, following the VTB24 positions are already capable of a surprise: they take up the organization, which is hardly the biggest - the Bank "Uralsib" Bank "Revival" and the Moscow Industrial Bank. However, market participants can be explained to such position of leaders. According to Chairman of the Board of Directors of the Bank "Center-invest», Professor Basil Vysokovo "pie split" is not in scope, and quality services, products and strategies for working with SMEs' credit ratings of banks in SME lending is very different from the traditional ratings by volume indicators ". Specialty is not available to all. It can be noted that in addition to the largest state-owned banks, sector leaders are those lenders who a few years ago made the strategic decision to develop SME lending as one of the major specialties. Interestingly, the success in lending to SMEs are rarely accompanied by achievements in the retail business. Among the non-state banks to be a leader in both of these "glades" has so far managed except that the bank "Trust". Experts not surprised by this, pointing out that lending to SMEs - a very specific segment. A massive expansion of the banks are hampered by the lack of credit ratings, the relatively low transparency of the business, lack of acceptable collateral, often - lack of competence of financial services. True, the citizens of lending has an important advantage: it can be arranged in the form of massive "credit factory", working on the basis of statistics and mass rapid scoring. And theoretically the same factory can be arranged for SMEs. But until that happens, that, apparently, is the most important fact that hinders the development of this sector of banking products. "The penetration of banking services in the area of ​​SMEs is significantly lower than in other areas. Banks do not develop the segment, primarily because it requires a different methodology and a flexible approach to the assessment of borrowers, and hence changes in the credit system as a whole - explains the chairman of Russian Sergei Mikheyev Trust Bank. - Several years ago a wave of increasing interest in lending to SMEs, which quickly faded away after the banks, really appreciating the flow of applications, the applicants themselves and the risks involved, and concluded that for large-scale development of this segment needs to be modified scoring system and other adjustments in this area. " Not everyone can overcome these difficulties, and in the segment of SME loans of banks, a rather high concentration of businesses. According to the vice-president VTB24 Karisalovoy Hope, the three major players - Sberbank, VTB 24 and Agricultural Bank - account for 40-45% of all loans issued in Russia for small and medium-sized businesses. Head of Small Business Lending Transcapitalbank Nicholas Pilecki, referring to the rating agency, says that in the first ten banks account for more than 70% of loans granted to SMEs. If you trust these estimates, it means that in lending to small and medium-sized business concentration is even higher than the average for the banking system, where the largest 20 credit organizations have less than 70% of assets (data of the Central Bank). Rapid growth. If you try to estimate the total amount of loans granted to SMEs, analysts usually operate on the data the agency "Expert RA", whereby at the beginning of 2011 the volume of provided loans to this sector stood at 3.2 trillion rubles. If we proceed from this figure, the role of SMEs in the banking business is not very large: small and medium entrepreneurs granted loans to 20% less than the population, and they account for only about 18% of the total loan portfolio. The latter figure is quite adequate role in the economy segment: SMEs in Russia produces about 20% of GDP. True, as the director of business development with legal entities and small businesses NB "Trust" Kirill Tikhonov, these "Expert RA" overstated, since many banks use their own criteria for defining SMEs, and therefore, these data include both loans big business. However, this segment of the credit belongs to the "rapidly growing". If the total loan portfolio of non-banks in 2010 rose by less than 13%, the portfolio of loans to small and medium sized businesses - 22%. The increase was accompanied by a decrease in average interest rates from 16.7 to 14.2%. "Last year, many banks have softened the requirements of monetary policy to clients and provides support, launch new products and dumping rates", - says Director of the Department of Small and Medium Business PSB Ekaterina Orlova. Interviewees "F." Experts believe that such high growth rates continue in the future. According to forecasts of the Analytical Center of the Russian Bank for Development (RBD), the end of 2011 the volume of debt of small and medium-sized businesses can reach 3.8 trillion rubles - that is, an increase of approximately 19%. In Russia, the bank predicts annual growth rates of 15-20%, in the "Trust" - 20%. In the PSB believes that this year we can go about 22-25% of the increase, and the "optimists" in the bank "Uralsib" say about 20-30%. However, these projections - likely the result of extrapolation. Meanwhile, a wave of interest in small businesses has once gave way to disappointment. In any case, the analytical center of RBD is ready to predict growth rates only on the condition that the observed trends continue today. "Increase of SME lending is unlikely to be the main priority of banks in 2011. Given the increasing share of non-performing loans, in our opinion, we should expect a response in the form of bank concentration on improving the quality of the portfolio - said "F." RBD chairman Sergey Kryukov. - Speaking of the outlook for the current year, it's safe to say a modest increase in the share of long-term loans in the loan portfolio of banks. Most likely, the bank changed its priorities in the credit policy and the trend in 2010 by its liberalization does not continue. The main efforts of the banks will be directed at improving the quality of its loan portfolio, including the fight against the existing arrears. " However, there is a theoretical possibility to maintain an active credit expansion in this segment for at least another few years. "Getting close to the saturation point of banking products and services market will be able at the current rate of growth in 10-15 years", - said Ekaterina Orlova. According to the RBD, 80% of current entrepreneurs still never borrow from banks. Head of Department of lending Small and Medium Business Bank of Rus-Rustem SALYAKHOV suggests that the total market volume will increase by 2.5 trillion rubles - about 78% compared to the beginning of the year. In addition, assessing the prospects of loan experts is primarily based on the assumption that increased the overall share of SMEs in GDP. For such hopes are two reasons: first, a serious gap in this indicator Russia from other countries, and secondly, public policy support for small businesses. Officially, the goal of increasing the share of small business in GDP from 20 to 30% by 2012. Public policy is expressed in the system and subsidize refinancing SME loans, sold under the mayor and the RBD. "I think the growth of SME portfolios will have a positive trend as long as we observe the growth of small businesses in the economy", - says Nadezhda Karisalova. "Given the fact that the SME sector in Russia lags behind developed countries in 3-4 times, and the growth potential of existing technologies in the interaction of SMEs and banks, too, can grow to 3-4", - said Vasily highest of the "Center-Invest ". The search for new niches. The paradox, however, that the growth of a segment can not be achieved simply by mechanically increasing the volume of loans already. The expansion of banks may be due to involvement in the financing of those small businesses that exist somewhere nearby, but for some reason has not used his credit. "When we talk about banking services for SMEs in the first place mean lending, - said Kirill Tikhonov of the National Bank" TRUST ". - In this area, everything is pretty good. Loans to businesses today can get almost anywhere in Russia. " The direction of expansion, thus, may be due to the identification of new, not yet covered by banking services and niche segments. Regionally it's small and medium-sized cities. "According to our statistics, the leader in the use of banking services are the Moscow entrepreneurs, are also quite active customers in major regional centers, lagging far behind the organization in small regional cities", - said Mykola Pilecki of Transcapitalbank. In terms of value of business entities, remain unreached "lower" segment of the floor - that is the smallest of small. "Has a significant potential market for micro-lending - the demand is satisfied approximately only 10%", - says Yekaterina Orlova from PSB. Finally, in terms of the range of services we are talking about small businesses selling products more complex than the usual cash management services and short-term lending. Deputy chairman of the bank "Revival" Lyudmila Goncharova said that in the future to speak of "approximation" to the small business services such as leasing and factoring, international financing, collection, payroll services and corporate banking cards, cards for payment with customs authorities, the direct lending and banking services remotely using systems "Client - Bank". Small business in Russia is seriously limited in their capabilities - the range of banking services for him is to carry out calculations and tax payments through the bank. "In our view, the prospects for further expansion are far from exhausted: for example, one of the growth areas should be high-quality package offers, taking into account the complex needs of entrepreneurs in the payment and credit products - said the deputy chairman of the bank" Uralsib "Ilya Filatov. - Also, an additional growth zone may become niche lending products tailored to the needs of certain industry segments MB, as well as express loans for small businesses that are tailored to the retail technology to provide consumer loans. We expect that competition in the market service businesses MB will increase. " Many experts are paying attention to such a product as lending startups. Virtually none of the banks does not do so, but say it is most necessary thing the economy - a theme in the literal sense of the word became fashionable. Even the head of Sberbank German Gref met with Prime Minister Vladimir Putin promised to begin to fund start-ups in the next two years. "As the reach of SME lending products, we still have the largest potential market is the credit for starting a business from scratch - the so-called start-up", - said Ekaterina Orlova from PSB. "Transcapitalbank ready to provide loans to start businesses, so-called start-up. We believe that it is these types of products in the near future will be improved and more widely offered in the market for banking services ", - says Nikolay her Pilecki. However, an important prerequisite for the development of bank financing startups is a system of risk sharing, which primarily means the emergence of a system of state guarantees. Is it worth trying? Another, very important aspect of the development of SME lending is a competition between the major and medium, as well as between public and private banks. There are many prerequisites to SME lending giants got basically the concentration of the banking business in this segment has grown. "" Section pie "is likely to emerge in favor of the Savings Bank, - said the head of small business lending RosEvroBank Oleg Karelin. - A huge branch network, part of the state and very cheap cash resources allow Sberbank incomparable advantage compared to any other bank. Likely to be successful only universal banks, which develop in parallel operation with big business and SMEs. Work only with SMB can afford only the big banks, because working in this sector requires a wide branch network, the large number of staff and the availability of cheap funds. Despite the higher yield, the level of credit risk when dealing with SMEs increases several times. " Kirill Tikhonov of the "Trust" brings a more optimistic prognosis: about 40% of the "pie" will get the banks with state participation. Accordingly, the remaining 60% may allocate among themselves the other market players. If you want to and try. Banks with the largest lending to small and medium-sized businesses (as of 04/01/2011) s / n Bank SME loan portfolio, mln. Including granted for the I quarter of 2011, mln. Number of existing SME loans, ea. Of those issued for the I quarter of 2011 pc. The average value of debt for one loan, million rubles. The share of loans in 2011 in the loan portfolio of the bank, Sberbank% 1 896,371.2 sf 100 148 sf 8.95 - 2 Rosselkhozbank 389279.9 70128.6 51087 9208 7.62 18.0 3 * VTB24 81097.0 13942.0 72333 12184 1.12 17.2 4 72410.5 Uralsib sf ** 17 679 sf 4.10 - 5 Revival 54241.0 29978.0 1342 265 40.42 55.3 6 MInB 49654.5 17538.4 2596 779 19.13 35.3 7 Uniastrum 38707.0 6606.0 6602 1511 5.86 17 , 1 8 Intesa 38347.0 5276.0 32462 1453 1.18 13.8 9 PSB 27143.1 5306.1 12416 1766 2.19 19.5 10 AK Bars 25049.7 3143.9 1828 259 13.70 12, NB Trust June 11 24950.0 5054.0 49190 6648 0.51 20.3 12 Transcapitalbank 24669.4 10038.5 4532 471 5.44 40.7 13 Investtorgbank 24611.8 4557.1 1613 315 15.26 18.5 Opening 14 19866.8 1565.8 2115 475 9.39 7.9 15 Loko-Bank 19329.4 3708.1 3323 477 5.82 19.2 16 Center-Invest 17300.0 2100.0 3325 1300 5.20 12 , January 17 Raiffeisenbank 16624.0 3623.0 3081 374 5.40 21.8 18 Zapsibcombank 15133.0 2073.0 1046 357 14.47 13.7 19 Khanty-Mansiysk 12709.3 2893.9 1429 290 8.89 22.8 20 Nomos Bank *** 12223.4 2285.4 2851 513 4.29 18.7 21 National Commercial Bank 10708.0 1518.9 1169 159 9.16 14.2 22 4579.2 10672.7 Globex 172 111 62.05 42.9 23 SB-bank 10237.1 4365.7 2723 1057 3.76 42.6 24 Avtovazbank 9069.7 3773.2 408 93 22.23 41.6 25 9048.0 Alpha Bank 5176 , 0 2231 356 4.06 57.2 26 Rosbank 8861.0 1905.0 8207 1051 1.08 21.5 27 Baltinvestbank 8783.8 1523.5 962 170 9.13 17.3 28 7001.0 SKB-Bank 2348 , 6 14085 3314 33.5 0.50 29 Smolensky Bank 6772.0 2925.0 207 111 32.71 43.2 30 Tatfondbank 6359.4 815.1 479 167 13.28 12.8 31 6343.1 Link-Bank 1201.3 845 174 7.51 18.9 32 IBC 5760.0 1560.0 387 57 14.88 27.1 33 UBRD 4966.5 2825.5 1673 506 2.97 56.9 34 4033.4 Credit Europe Bank 852.1 3593 122 1.12 21.1 35 Absolute 3935.5 730.2 1762 405 2.23 18.6 36 Credit-Moscow 2864.0 1026.8 670 215 4.27 35.9 37 SDM-Bank 2835 , 5 1369.9 363 151 7.81 48.3 38 Probusinessbank 2229.9 406.1 7337 645 0.30 18.2 39 Russ-Bank 2188.7 469.4 1432 322 1.53 21.4 40 2032 Rosavtobank , 6 622.9 236 83 8.61 30.6 * credits only to small businesses. ** As of 01/03/2011. *** Data include statistics on the Nomos-Bank, NOMOS-Bank and Siberia Nomos Regionbanku. Source: Banks, calculations "F.»