Banks of Tatarstan: unreachable trillion of assets, missed income and outflow of deposits

From losses — to losses

The banking system of Tatarstan continues to generate losses: unlucky streak for credit organizations of the Republic of Tatarstan has already begun in the first half of last year. For the last 10 months, during which the industry constantly generated losses, the credit institution 'lost' nearly 9.4 billion rubles, out of which 2.3 billion — in the first quarter of 2016.

The leader in profit among the credit organizations of the Republic in the first quarter is Avers bank, which has totally earned almost half a billion rubles. On the last place — Tatfondbank, which has lost nearly 3.5 billion rubles. In March of 2016, six banks turned out to be unprofitable — besides TFB, the negative financial result was shown by IK Bank (16.3 million rubles of losses), Bank of Kazan (2.5 million rubles), Altynbank (36.3 million rubles), Kamsky Gorizont (14.8 million rubles), and for the first time this year fallen into losses Timer (139.1 million rubles).

Profit (loss) of the banks of Tatarstan in the first quarter of 2016, thousand rubles, data of the Central Bank of the Russian Federation, calculations of Realnoe Vremya

Unreachable trillion?

Meanwhile, the assets of the banking system of the Republic amounted to 969.7 billion rubles, having decreased by 8.5 billion rubles in March. 12 banks out of 21 have the reduction of assets. Ak Bars Bank — the largest bank of the Republic — lost 25 billion rubles of assets in a month. However, this is only about 5% of its total assets and almost as much as it attracted in 2015.

In relative terms, in March Tatargroprombank lost the most in comparison with others: minus almost 15% of business or almost half a billion rubles, that is is quite a large sum for a small credit institution with total assets at just 2.7 billion rubles.

The leader in the growth of assets once again became Avers bank, which has increased the business to 11.4 billion rubles just in a month, or 13,2%, almost reaching the psychologically important mark at 100 billion rubles. The second on the dynamics of growth of assets after Avers bank is Tatsotsbank, far behind in absolute terms. In March, it added to the business 3.3 billion rubles. However, this amount turned out to be more significant, therefore, owned by the family of Nikolay Kolesov credit organization became the leader in relative — plus 19.6% — growth of assets.

The leader in the growth of assets once again became Avers bank. Photo: Angelina Panchenko

Assets of Tatarstan banks, thousand rubles, the data of the Central Bank of the Russian federation

2 billion for people

The amount of household deposits in banks of Tatarstan in the first quarter grew by a fluctuating within the statistical inaccuracy of 0.2% — apparently, annual bonuses and thirteenth salaries have had an impact. However, from January to March, people took money out of the banks, so on 1 April in comparison with 1 March total deposits declined by almost 1%, or 2 billion rubles, accounting for 257.5 billion rubles.

Most part of the total outflow of deposits belongs to Ak Bars Bank. For a month, people took almost 1.6 billion out of the major bank of the Republic, or 1.9% of the retail deposit portfolio. On the second place in the outflow — TFB, which has reduced an amount of deposits for a month by almost 0.6 billion rubles or 0.8%. However, in comparison with the AK Bars, Tatfondbank has managed to increase deposit base of physical persons from the beginning of the year by 1.4%, while the 'main' bank of Tatarstan lost in the first quarter about 6.5%. However, the anti-leader in the dynamics of deposit portfolio turned out to be Altynbank — because of its small value, suffered outflow at 20 million rubles, the bank has lost almost 40% of the retail deposit base.

Most part of the total outflow of deposits belongs to Ak Bars Bank. Photo: tatbank.ru

Meanwhile, the leader in deposit growth, as well as in other indicators of business, is Avers, which has managed to attract 413.9 million rubles of household deposits in March amid the negative trend.

The amount of deposits in banks of Tatarstan, data of the Central Bank of the Russian Federation, thousand rubles