A Comparative Analysis of Bank Lending Programs for Small and Medium Size Enterprises in Russia in 2016

  • ID: 3631671
  • Report
  • Region: Russia
  • 80 Pages
  • Euroresearch and Consulting
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FEATURED COMPANIES

  • AK Bars Bank.
  • Bank Saint Petersburg
  • Bank Vozrojdenie
  • Banking group Otkritie
  • MInBank
  • Peresvet
  • MORE
The aim of this report is to provide the fullest practical information on the current lending programs for the small and medium-sized businesses. The report provides information on those banks that have lending programs for the small and medium-sized businesses.

The list of lending programs, by which one can obtain financing, includes foreign banks, Russian banks. All programs presented in this study are actually operating current programs. Analysis and interviews with officials of the banks were carried out for each of the banks included in the review.

In addition, the report gives a considerable amount of information on the condition of the banking system over the last year, which allows us to understand current trends in the banking system and provides an opportunity to be on the wavelength with the loan officers when obtaining loans.

The annexes to the report also show complete, detailed and relevant factual information on the characteristics of the banking sector of the RF and the main financial and economic parameters of the Russian economy (See table of contents for detailed information included in the annexes).

Excerpts from the study:

In the 3rd quarter of 2015 (on 01/10/2015), the portfolio of loans to small and medium-sized businesses for the first time since the beginning of 2015 showed an increase of up to x trillion. rub. This corresponds to xx% compared with the data on 01/07/2015. This is due to change in July 2015 the criteria for inclusion of legal entities to small and medium-sized businesses. Without taking into account this classification, the portfolio of loans to small and medium-sized businesses by the end of the 3rd quarter of 2015 could be reduced. That is due to the stabilization of the economic situation and decline in the key rate of the Central Bank in the 1st half.

The volume of Q315 loans to small and medium enterprises amounted to xx trillion. rubles. This is xx% less than the results of the same quarter of last year. At the same rate of reduction has slowed down the issuance. During the Q215 it was minus xx%. Banks of the TOP30 in terms of assets in the Q315 was given xx% more loans to small and medium-sized businesses than in Q215. Compared with last year, the loan portfolio of SME large banks fell by xx%, and the portfolio of other banks increased by xx%.

The greatest reduction of the TOP10 banks showed ""PromSvyazBank"" (xx%). The Bank moved into four lines down to x-th position. Place in the TOP3 ranked bank ""Peresvet"". The most impressive growth rate of the portfolio of the TOP30 showed ""Zenit"" Bank (+xx%).

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FEATURED COMPANIES

  • AK Bars Bank.
  • Bank Saint Petersburg
  • Bank Vozrojdenie
  • Banking group Otkritie
  • MInBank
  • Peresvet
  • MORE
1. Russian Banking Sector In 2015-2016.
1.1. Russian Economy. Main Results Of 2015 And Forecast For 2016.
1.2. The Main Results Of 2015 And Prospects For 2016 For Russian Banking Sector.
2. Small And Medium-Sized Business Sector In Russia.
2.1. The main trends and prospects of development of crediting of small and medium-sized businesses in 2015.
3. Key Market Players. Top-10 Banks Lending To The Segment Of Small And Medium-Sized Businesses.
3.1. OJSC «Savings Bank of the Russian Federation».
3.2. OJSC VTB 24.
3.3. OJSC «Peresvet».
3.4. OJSC «MInBank».
3.5. OJSC «Bank «Saint Petersburg».
3.6. OJSC Bank «Vozrojdenie».
3.7. OJSC «PromsvyazBank».
3.8. OJSC «AK Bars» Bank.
3.9. OJSC TransCapital Bank.
3.10. OJSC Banking group «Otkritie ».
4. Main Financing Products For Small And Medium-Sized Businesses.
4.1 Overdraft lending in banks.
4.2 Line of credit in TOP-10 banks.
5. Annex: Statistics Of The Banking Sector.

Figure 1. Total assets of banks will add only 2% in 2016.
Figure 2. Lending to large businesses virtually ensures the growth of the banking sectorin 2015
Figure 3. The volume of SME loans portfolio continues to decline.
Figure 4. The growth of arrears in 2016 year will be moderate.
Figure 5. The rate of reduction of unsecured lending portfolio of physical persons will be reduced significantly in 2016.
Figure 6. In 2016 a large business loan dynamics continue to slow, bu tremain positive.
Table 1. Top 30 banks in terms of loanportfolio, issued to small and medium-sized businesses, on the date October 1, 2015.
Table 2. Comparative table of short term credit offers of the leading banks of Moscow.
Table 3. Comparative table of long term credit offers of the leading banks of Moscow.
Table 4. Refinancing rate of the central bank of the Russian Federation.
Table 5. Operating credit institutions and their branches as of 31 january 2016.
Table 6. Dynamics of the maximum interest rate (on deposits in Russian rubles) of the top ten credit institutions attracting the largest amount of household deposits.
Table 7. Selected performance indicators of credit institutions grouped by assets.
Table 8. Deposits of individuals accepted by credit institutions.
Table 9. Funds of organizations accepted by credit institutions.
Table 10. Savings (deposit) certificates, bonds issued by credit institutions and derivatives.
Table 11. Funds raised through banking bills from legal entities and individuals.
Table 12. Loans, deposits and other funds extended to organizations, individuals and credit institutionsin 2015.
Table 13. Investment portfolio of credit institutions and derivatives.
Table 14. Statistic of discounted bills.
Table 15. Statistic of credit institutions’ claims and liabilitiesonfinancialderivatives.
Table 16. Comparative analysis of credit institutions.
Table 17. Comparative analysis of Central bank.
Table 18. Banking system analysis.
Table 19. Financialsector analysis.
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- AK Bars Bank.
- Bank Saint Petersburg
- Bank Vozrojdenie
- Banking group Otkritie
- MInBank
- Peresvet
- PromsvyazBank
- TransCapital Bank
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