Крупнейшие банки по объему депозитов населения на 1 июля 2018 года

Крупнейшие банки по объему депозитов населения на 1 июля 2018 года
© РИА Новости Илья Питалев

РИА Рейтинг – 2 авг. Во втором квартале 2018 года прирост депозитов физических лиц в российской банковской системе заметно увеличился относительно первого квартала. По данным Центробанка РФ, во втором квартале 2018 года депозиты населения в российских банках выросли на 3,6% или на 937 миллиардов рублей. Для сравнения в первом квартале прирост был на уровне 0,3%, однако в аналогичный период 2017 года рост составил +3,9%. Заметное влияние на динамику депозитов в 2018 году играет ослабление рубля, что привело к валютной переоценке депозитов. Реальный прирост депозитов во втором квартале составил 1,7%, для сравнения в первом квартале +0,4%, однако это намного меньше, чем в апреле-июне 2017 года (+2,9%) и в 2016 году (+3,9%). Замедление номинальных и особенно реальных темпов роста депозитов относительно результатов прошлых лет объясняется тремя факторами. Во-первых, продолжается снижение ставок в экономике, что снижает капитализацию процентов. Несмотря на номинальный рост вкладов, уплаченных процентов по ним в 2018 году стало на 9% меньше, чем в начале 2017 года, а по сравнению с 2016 годом произошло снижение более чем на 20%. Это сократило темпы роста депозитов примерно на 0,2 процентного пункта относительно 2017 года и на 0,4 процентного пункта относительно 2016 года. Во-вторых, в текущем году наблюдается рост потребительских расходов, в частности, розничная торговля за полугодие выросла на 2,6% против снижения на 0,3% в январе-июне 2017 года. В-третьих, по-прежнему происходит быстрое развитие альтернативных способов накопления: инвестиционное и накопительное страхование жизни, фондовый рынок и другие.

За январь-июнь 2018 года объем вкладов населения в банках увеличился на 3,9% или на 1,4 триллиона рублей, достигнув 27 триллионов рублей на 1 июля 2018 года. В реальном выражении прирост за шесть месяцев составил +2,1%. Из-за относительно высоких темпов роста вкладов доля депозитов физических лиц в пассивах банковской системы растет, находится на рекордном уровне, и на 1 июля 2018 года она составила 31,2%, что на 0,6 процентного пункта больше, чем годом ранее, а также заметно больше локального минимума последних лет – 23.9% на 1 января 2015 года.

Концентрация продолжает расти быстрыми темпами

Для исследования ситуации в разрезе отдельных банков, аналитики РИА Рейтинг подготовили рейтинг банков России по объему депозитов физических лиц на 1 июля 2018 года. В рейтинг включен 428 банков, привлекающих средства населения, и по которым опубликована отчетность согласно форме №101 на сайте ЦБ РФ. Методика составления рейтинга предусматривает агрегирование данных оборотных ведомостей банков.

Из представленных в рейтинге кредитных организаций во втором квартале текущего года 59,8% банков смогли продемонстрировать положительные темпы прироста привлеченных средств физических лиц. За аналогичный период прошлого года таких банков было 66%. Таким образом, наблюдается некоторое ухудшение ситуации с привлечением средств населения у заметного числа банков, что во много связано с сокращением процентных ставок.

Среди ТОП-100 крупнейших банков 78-ми удалось продемонстрировать положительные темпы роста в апреле-июне 2018 года. При этом среди крупнейших 25 банков только три (12%) показали отрицательную динамику, а рост демонстрировали соответственно 88% банков. В числе крупнейших банков страны также наблюдалась значительная дифференциация по темпам роста. В частности, за второй квартал 2018 года у 16 банков объем вкладов увеличился более чем на 10% (у двух банков более 20%), а 6 банков из ТОП-100 характеризовались сокращением вкладов более чем на 10% за квартал. При этом ТОП-10 банков показали суммарно прирост депозитов на уровне +4,2% за квартал, тогда как у банков из первой сотни – на 4,0%.

В целом хорошая динамика вкладов у крупнейших банков по объему депозитов привела к росту концентрации средств физических лиц. Доля ТОП-50 кредитных организаций за период с 1 июля 2017 года по 1 июля текущего года увеличилась на 1 процентный пункт до 93% на 1 июля 2018 года, а доля первой сотни уже составляет 97%. По мнению экспертов РИА Рейтинг, рост концентрации вкладов во второй половине 2018 года продолжится.

Иностранцам помогло ослабление рубля

Во втором квартале среди российских банков наилучшую динамику продемонстрировали иностранные банки. По расчетам экспертов РИА Рейтинг, банки, контролируемые иностранными акционерами, за II квартал 2018 года смогли увеличить объем привлеченных средств населения на 5,1%, в тоже время частные банки показали прирост на 4,4%. При этом «самый плохой» результат показали государственные банки – +3,7%. В целом можно сказать, что динамика была достаточно однородной. По мнению экспертов РИА Рейтинг, выигрыш иностранных банков является следствием ослабления рубля, ведь доля валютных депозитов в иностранных банках всегда была исторически выше среднерыночного уровня. С другой стороны, динамика госбанков пострадала из-за банков, находящихся на санации, у многих из которых был сильный отток средств вкладчиков.

Во втором квартале среди ТОП-100 банков по объему вкладов лидером относительной динамики стал частный банк – ТКБ БАНК, увеличивший свой депозитный портфель на 29% или на 13 миллиардов рублей. Это позволило банку закрепиться в ТОП-50. Также хороший результат показал РосЕвроБанк, объем вкладов, которого за второй квартал увеличился на 9,6 миллиарда рублей или 22,4%. 

Среди относительно крупных банков заметную отрицательную динамку демонстрировали многие банки на санации: ПАО «БИНБАНК, АКБ «РОССИЙСКИЙ КАПИТАЛ» (АО), Банк «ТРАСТ» (ПАО), ПАО «РГС Банк», АО «ГЛОБЭКСБАНК», «Азиатско-Тихоокеанский Банк» (ПАО) и ПАО «БАЛТИНВЕСТБАНК». У всех этих банков депозиты снизились более чем на 6% за квартал, а суммарное снижение у этих 9 банков составило 121 миллиард рублей или 11,4%. 

Эксперты РИА Рейтинг ожидают, что на фоне некоторого ухудшения потребительских настроений расходы населения замедлят рост, соответственно можно ожидать относительно неплохих темпов роста депозитов во втором полугодии 2018 года. Кроме того, процентные ставки будут снижаться медленнее, что несколько повысит привлекательность депозитов. По мнению экспертов РИА Рейтинг, по итогам 2018 года номинальный рост депозитов населения будет на уровне 6-9%.

Рейтинг банков по объему вкладов на 1 июля 2018 года в PDF-формате >>

РИА Рейтинг – это универсальное рейтинговое агентство медиагруппы МИА «Россия сегодня», специализирующееся на оценке социально-экономического положения регионов РФ, экономического состояния компаний, банков, отраслей экономики, стран. Основными направлениями деятельности агентства являются: создание рейтингов регионов РФ, банков, предприятий, муниципальных образований, страховых компаний, ценных бумаг, другим экономических объектов; комплексные экономические исследования в финансовом, корпоративном и государственном секторах.

МИА «Россия сегодня» – международная медиагруппа, миссией которой является оперативное, взвешенное и объективное освещение событий в мире, информирование аудитории о различных взглядах на ключевые события. РИА Рейтинг в составе МИА «Россия сегодня» входит в линейку информационных ресурсов агентства, включающих также: РИА Новости, Р-Спорт, РИА Недвижимость, Прайм, ИноСМИ. МИА «Россия сегодня» лидирует по цитируемости среди российских СМИ и наращивает цитируемость своих брендов за рубежом. Агентство также занимает лидирующее положение по цитируемости в российских социальных сетях и блогосфере.

Источник: 1prime.ru

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