Top 50 Most "deposit" of banks

What we have, then store. During eight months of the year, while household deposits increased by 16.5% to 8.7 trillion rubles. This is even more than last year's growth over the same period: 12.9%, or 764 million rubles. But that's when deposit rates soared: the banks have tried to replace the expensive borrowing from the regulator to cheaper and less short-term resources. If you look at the statements of top 20 most "deposit" of the banks, we can see that most in relative terms, of individuals in this year attracted the bank "Trust" (54.7%), TransCreditBank (50.5%) and the Moscow Industrial Bank (40.5%). The slight decrease of the population is at Raiffeisenbank (1.3%) and Rosbank (0.5%). Most of the other fairly significant increase. At first glance, the trend of strange. After all, banks in the past few months and just did that "worsen" conditions of deposit. In January, the average annual rate of ruble deposits (excluding Sberbank) was 10.8%, while in August it was already at 7.5%. In addition, lending new vitality: total retail loan portfolio is growing steadily since April. But people continue to accumulate. "An adequate alternative to deposits (in terms of a combination of return and guarantees return of funds invested by clients) I can not see. The more so because interest rates on them still cover inflation "- explains the behavior of citizens Director of deposits and savings Binbanka Alexander Efremov. On the other hand, some term deposits can be completed, the proposed population of banks in the past year has not ended yet, and people continue to put money on them at high interest rates. "Before the crisis are expected to further increase in the stock market and many people invest in mutual funds, securities or other financial instruments, but now they saw and understood that it is possible not only growth but also falling. Today deposits - perhaps the only way to save money on inflation. However, by the end of the year real return of contributions can be negative, "- adds a deputy of the analytical department of" Sovlink "Olga Belenkaya. During the first 9 months of inflation was 6.2%, or 8.3% per annum. So to negative real interest rates really are not that far away. Costs. The population has become more cautious during the crisis, was slow to open deposits on too long. The largest volume of deposits as at the time of acute crisis period last year and is now in the accounts of one to three years. As of 1 June last year, excluding Sberbank, to these terms accounted for 54.9% of the total portfolio of the top 100 by assets. On September 1, 2010 this ratio was 48.6%. In Sberbank in these accounts is 67.5% of all funds of natural persons. Analysts warn that now or in the near future banks will have to pay to customers on high-yield deposits. "At the moment the visible problems associated with calculations based on obligations to depositors, even though it is very expensive, banks do not. Even the rumor is not that these problems have arisen for someone, - says Alexander Efremov. - But a serious burden, of course, there is. The main peak of the load for many banks would be resolved before the end of this year, since the lion's share of deposits opened on crisis rates - a contribution of up to 1 year old, who are now or are being closed or extended for a further term to have lower rates. " Yes, indeed, with payments to customers of banks in general, no problems. Liquidity in the system remains very much. But the profit is, of course, affect, and strong. And it seems to have reflected. A recent report of the Central Bank, 197 credit institutions in 1036 finished 9 months of losses. For comparison, on 1 January were at a loss of 56 banks in 1108. Dear deposits attracted in crisis, prevent the growth of lending. "This is the factor which now largely inhibits the recovery of loans and forcing banks to keep lending rates high, to maintain margins. However, I do not think that the problem is critical, - the vice-president of the bank "Interkommerts" Alexander Tours. - Expensive raised funds all. And most banks were well aware of what goes by offering higher rates. Many have tried to place funds in the period of crisis in the expensive credits, earned in the growing stock market, etc. Banks that have established commissions to replenish the barrage of old deposits, not so much. Maybe they are faced with a negative margin, but talk about this problem as a large and capable shake the entire banking sector consider premature. " Without insurance. A study conducted by the Deposit Insurance Agency (DIA) shows that in the first half of the fastest growing contributions from 700 thousand to 1 million rubles - and the volume and number of accounts (for 30 and 30.1% respectively). "People continue to fund their investments, no longer afraid to state banks, due to which the contribution of transitions to higher grades and accrued exceed the amount of insurance coverage. Interest rates on deposits, open during the crisis, were much higher, so in terms of economic recovery increased the percentage that can be obtained by adding to the old deposits, seen as a small price to pay for the risk. In addition, it is no secret that the maximum rates, most banks offer it for deposits with large amounts "- explains Alexander Tours. Experts believe that this trend will continue at least until the end of the year and the share of deposits not covered by insurance, will reach 42-45%. On July 1, the proportion was 39.5%. In September, the ruble exchange rate gradually weakened. The cost of the currency basket as a whole is growing at 1 October, it reached 35.5 rubles. Some experts have even begun to prophesy another devaluation of the currency. But, according to bankers on the behavior of investors is not yet affected. "Current oscillations have not yet pronounced, and to understand what will happen to the ruble in the near future, can not even professional analysts. To the people have changed dramatically currency preferences need more good reason. An excellent example - a sharp devaluation of the RUB-A in 2008-2009. However, even in that period, many of our customers was a belated reaction to those events: translation of ruble savings into the currency often occurred at the peak rate. Now, people take a wait, preferring to put most of their savings in deposits in rubles ", - says Alexander Efremov. Top 50 Most "deposit" amount of funds banks Bank population at 01.09.10, mln. Evolution since the beginning of the year,% Deposit citizens on 1/9/10, in rubles, mln. Deposits of citizens to 01/09/10, in foreign currency, mln. Current accounts of natural persons, citizens of% Deposits Demand,% Deposits of citizens within 90 days,% Deposits of citizens from 91 to 180 days,% Deposit citizens from 181 days to one year,% Deposits of citizens from 1 to 3 years,% Deposits of citizens of more than 3 years, 4171343% Savings +13.13 3681875 489468 11.54 0.92 1.26 2.44 7.68 67.49 8.67 VTB24 532 080 354 808 177 272 22.72 15.24 0.26 1.15 4 73 2.31 50.43 25.87 Gazprombank 177691 +22.53 137219 40472 22.21 5.91 0.60 1.14 3.74 66.39 0.00 Bank of Moscow 174 256 112 127 62 129 6.78 13 , 67 4.11 0.00 0.54 5.00 69.91 6.79 151 892 Alfa-Bank 15.69 sf sf 43.44 2.67 0.10 6.30 29.90 17.14 0.44 Raiffeisenbank 139973 -1.28 66479 73494 28.90 12.05 1.35 1.64 10.79 39.31 5.96 Rosbank 114716 -0.50 66553 48163 16.43 0.34 0.32 0.71 15.63 62.92 3.65 MDM Bank 111 921 83 178 28 743 24.38 7.02 0.79 0.34 0 70 16.32 73.49 1.35 28.48 111 895 Uralsib sf sf 19.78 4.55 0.06 5.57 12.03 56.52 1.49 RAB 104311 +31.51 81692 22619 8.42 2.23 1.06 8.38 65.39 14.44 0.08 PSB 98454 +12.27 58051 40403 11.23 1.34 0.00 1.12 4.94 80.98 0.39 Revival 76649 +15.20 56382 20267 17.72 1.03 0.14 1.55 9 17 67.22 3.17 Trust 72102 +54.70 52071 20031 5.17 1.19 2.82 9.99 20.79 49.76 10.27 St. Petersburg 63 547 35 903 27 644 6.70 18.40 0.97 2.06 4.72 13.92 59.74 0.19 Petrocommerce 55351 +15.51 29477 25874 15.58 0.15 0.13 0.40 72.96 10.45 0.34 52 034 + Transcreditbank 50.53 42727 9307 44.06 0.72 1.40 1.89 7.83 41.63 2.48 MInB 50814 +40.50 44184 6630 9.81 1.84 1.13 4.99 21.52 60 64 0.06 Binbank 50471 +14.35 33520 16951 9.33 0.17 2.02 5.77 75.92 6.73 0.05 Baltic Bank 47 389 36 972 10 417 13.42 25.08 0.00 0 , 84 4.55 18.37 50.30 0.85 46 379 32.76 Orient Express sf Sf 4.39 1.12 0.27 13.29 66.31 14.61 0.02 Nomos Bank 45712 +11.89 28392 17320 11.67 2.48 1.62 4.58 69.41 5.12 5 12 Russian Standard 43278 +67.55 34905 8373 18.25 6.45 12.33 16.11 36.63 10.22 0.00 Khanty-Mansiysk Bank 41 807 34 802 12.83 7005 24.15 4.06 a , 91 1.69 16.84 34.63 16.72 Ak Bars 40375 +28.67 33138 7237 10.89 8.41 7.04 4.20 17.53 51.94 0.00 38 637 18.37 UBRD 34291 4345 5.82 1.21 0.00 0.00 18.97 74.00 0.01 Citibank 38628 +6.58 23630 14998 53.04 38.21 2.32 1.78 4.41 0.23 0 , 00 Moscow Credit Bank 38052 +21.72 26111 11941 5.20 0.51 0.04 9.08 16.53 53.10 15.54 UniCreditBank 36742 -0.66 19769 16973 53.03 13.35 4.16 3.77 6.15 15.85 3.68 IBRD 34242 +21.31 19089 15153 10.50 0.37 0.52 1.61 6.36 80.65 0.00 33 653 OTP Bank 23,358 16.72 10295 12.64 5.19 0.75 4.25 14.66 60.34 2.17 SKB-Bank 31 606 27 807 3800 24.17 6.95 1.10 0.00 0.02 0.01 91.91 0.00 Uniastrum Bank 29921 -8.21 24137 5784 7.70 3.72 0.00 0.54 36.08 47.25 4.70 Rus-Bank 28 116 22 699 5417 38.19 0.33 10.05 1.18 3.25 11.35 73.70 0.14 28 050 Master-Bank 84.76 sf sf 13.94 0.40 0.98 4.59 16.37 57.96 5.76 Zenith 27956 +21.22 13360 14596 5.57 1.50 0.84 3.94 10.11 78.05 0.00 The Northern Sea Route 27763 +145.50 15376 12387 4.26 0.06 0.00 5.94 83.15 6.59 0.00 Peter's 26 808 23 064 3744 33.58 5.77 27.57 0.72 3, 60 17.08 32.87 12.38 Societe Generale Vostok 26116 +5.84 13575 12541 26.05 0.06 0.80 1.23 4.83 41.41 25.63 25 071 Russia - 14835 10236 14.05 3 , 88 2.31 1.21 1.58 57.24 19.74 Sobinbank 22517 +15.27 12887 9629 16.64 0.25 1.53 2.32 14.15 53.03 12.08 6 21 801 Zapsibcombank , 54 19982 1819 25.19 2.48 0.50 3.11 3.31 60.21 5.19 Tatfondbank 21 625 20 613 1012 22.51 7.99 3.12 0.94 13.39 25.17 49 38 0.01 Investtorgbank 21461 +10.01 15108 6353 2.36 2.52 1.80 5.64 38.52 33.40 15.75 Center-Invest 20624 +18.00 18910 1714 7.85 1.49 0 , 01 0.16 0.79 76.22 13.48 Sovkombank 20450 +18.89 16599 3851 1.32 5.46 2.53 10.73 11.15 66.62 2.20 -34.37 20 320 Absolut Bank 16167 4153 13.59 1.30 2.67 1.94 4.61 72.32 3.58 Moscomprivatbank 19879 +55.04 14630 5249 7.98 0.23 4.79 9.40 75.76 1.84 0 , 00 Opening 18413 +14.92 10485 7928 6.30 1.18 0.00 3.96 73.52 13.33 1.71 Globex 17 474 10 332 7142 15.70 5.72 0.39 4.66 6 67 39.84 39.94 2.77 43.59 16 456 16 946 HCFB 490 3,04 22,67 0,00 0,00 29,03 45,27 0,00