Intensive cleaning of the Central Bank of Russia of domestic banking market continued throughout the year and as a hurt ordinary investors, and major corporations.
During 2016 licenses have lost almost 100 banks, bringing the total number of credit institutions in the Russian Federation decreased by about 600. Many experts pointed out that the last few years the regulator kept pace, Reviews of 100 licenses per year. However, in this process, the purification proceeded with some features.
First of all, we changed the reasons for the revocation of licenses. As the first vice-president of the Russian club CFOs Tamara Kasyanov, the reason most often are not combating money laundering and capital insufficiency, risky policy, etc., that is, economic factors, and not the criminal. Director General of the Russian-European investment consortium Gennel Paul adds that the major cause of bank failures in 2016 had accumulated losses since 2008, which is already impossible to refinance, or to hide in the balance sheet. Another reason - the defeat of most of the smaller banks in the competition. "First, pensioners and big business went to the largest state-owned banks, and the hipsters and SP - in the specialized banks with a high level of service. After that, the Central Bank and the police cleared the informal sector, in the first place, "cashing", with the result that smaller banks there is not white nor black business ", - said the expert.
This year under the press got a few banks, important due to its depositors. In 2016 ruined Vneshprombank where hung the money many large structures - from the "Transneft" to "amounts", "Relight", which is under the control of the Russian Orthodox Church, as well as among the top 50 Russian banks Tatfondbank, where many companies have lost money republic, including "Tatneft". It would seem, it was to be expected that banks with such reputable customers should help, but in 2016 the regulator almost abandoned sanations scale with the release of the sanatorium major long-term loans.
It seems that the state simply do not have money for refurbishment. By November, it was estimated that credit institutions whose licenses have been revoked in 2016, hovered around 500 billion rubles. . Contributions, of which the DIA should compensate about 450 billion rubles, which is 21% more than in 2015. Formed by contributions from banks DIA Foundation is already unable to cope with the load: DIA debt to the Bank of Russia has reached 1.5 trillion rubles.
Deputy General Director of Berkshire Advisory Group, Alexander Artemev predicts that in 2017 much less withdraw licenses - about 25, because the supervision of the reliability of banks becoming stricter, and their economic situation improves. So, for 11 months of 2016 the total profit of banks amounted to 788 billion rubles., Which is three times higher than the profit for the same period last year.
However, Tamara Kasyanov recalls that if the Central Bank has promised to complete the first active period of cleansing the Russian banking sector in the first half of 2017, but now they say nothing of the second half of the year. Therefore, expect the intensity of the recession revocation of licenses in 2017, probably not worth it. But in 2018, banks will be divided into federal and regional, and to the latest requirements are not too stringent. "Perhaps, - says CEO of" My Account ", Vladimir Trofimenko, - Central Bank will gradually phase out the policy of mass bankruptcies, and in 2017 the first may be the last year when it is applied to such an extent."