Russia Banking Sector Forecast to 2012

The banking sector in Russia has witnessed appreciable growth in past few years and has continued the trend despite crisis. Showing resistance to the global economic meltdown, the sector continued to record double digit growth in 2008 and 2009. This uniqueness of the Russian banking sector reflects huge potential for growth and investment in the country. The banking assets are forecast to grow at a CAGR of nearly 22% during 2008-2013. The federal government and Central Bank of Russia are taking all the necessary measures to support the banking sector and maintain liquidity in the domestic economy.

Our findings, which have been amassed in our new research report titled “Russia Banking Sector Forecast to 2012”, reveal that despite adverse economic conditions, banks continued to lend to the enterprises as well as households. Total credit extended (to households and non-financial organizations) by Russian banks increased 34.5% in 2008. We also noted that state and foreign controlled banks have increased their market share to the total credit volume extended by banks in Russia. It indicates that banks are still actively lending, and are optimistic about economic conditions in Russia. Bank loans are projected to grow at a CAGR of around 23% during 2008-2013.

Moreover, deposits with Russian banks are expected to grow at a CAGR of 20-25% during 2008-2013. With the support of regulatory bodies and federal government, banks have been able to sustain the consumer confidence on the domestic banking system. Individual or household deposits, which account for over one-third of total deposits with Russian banks, grew at CAGR of about 31% during 2004-2008, while corporate deposits grew at even higher rate.

The report “Russia Banking Sector Forecast to 2012” is the outcome of extensive research and detailed study of the Russian banking sector carried out by our team of experts. In this report, all the important performance indicators of the Russian banking sector have been discussed in detail. Most importantly, it also features forecast on each of the key banking segments to provide better understanding of the banking sector in the country. Moreover, the report analyzes the trend of macroeconomic factors critical to the banking sector and their impact on the sector. Additionally, the report sheds light on the emerging industry trends which are expected to decide the future of the Russian banking sector.

Report Highlights

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1. Analyst View
2. Macroeconomic Analysis
3. Banking Industry Overview
4. Key Performance Indicators
4.1 Bank Loans
4.1.1 Individual Loans
4.1.2 Corporate Loans
4.2 Bank Deposits
4.2.1 Individual Deposits
4.2.2 Corporate Deposits
4.3 Payment Instruments
4.3.1 Bank Cards
4.3.2 ATM Terminals
4.3.3 POS Terminals
5. Risk Factors & Capital Adequacy Analysis
5.1 Risk Factors
5.1.1 Credit Risk
5.1.2 Market Risk
5.1.3 Liquidity Risk
5.2 Capital Adequacy
6. Industry Trends Analysis
6.1 Growing Trend of Bancassurance
6.2 Mounting Demand for Online Banking Services
6.3 Expansion in Emerging Markets
6.4 Increasing Consolidation
6.5 Mounting Credit Card Frauds
7. Industry Leaders
7.1 Sberbank of Russia
7.2 VTB Bank
7.3 Gazprombank
7.4 Bank of Moscow
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Table 3-1: Banking Assets Structure (%), 2008
Table 3-2: Number of Credit Institutions (2007, 2008 & Nov 2009)
Table 3-3: Concentration of Assets in Banking Sector (%), 2007, 2008 & Jul 2009
Table 4-1: Loans by Group of Banks (%), 2007 & 2008
Table 4-2: Distribution of Loans Provided by Credit Institutions (%), Jun 2009
Table 5-1: Market Risk Structure for Banking Sector (2007 & 2008)
Table 5-2: Capital Adequacy Ratio by Group of Credit Institutions (2007 & 2008)
Table 7-1: Top Ten Banks by Assets (%)
Figure 2-1: Real GDP Growth (%), 2008-2013
Figure 2-2: FDI in Financial Sector (Million US$), 2003, 2005, 2007 & 2008
Figure 2-3: Per Head Disposable Income (US$), 2008-2013
Figure 3-1: Banking Assets (Trillion Rubles), 2004-2013
Figure 4-1: Bank Loans (Trillion Rubles), 2004-2013
Figure 4-2: Breakup of Bank Loans (%), 2009
Figure 4-3: Bank Loans to Individuals (Trillion Rubles), 2004-2013
Figure 4-4: Bank Loans to Non-financial Organizations (Trillion Rubles), 2004-2013
Figure 4-5: Bank Deposits (Trillion Rubles), 2004-2013
Figure 4-6: Breakup of Bank Deposits (%), 2009
Figure 4-7: Individual Deposits with Banks (Billion Rubles), 2004-2013
Figure 4-8: Corporate Deposits with Banks (Billion Rubles), 2004-2013
Figure 4-9: Number of Bank Cards (Million), 2006-2008 & H1 2009
Figure 4-10: Share of Credit Cards in Bank Cards (2008)
Figure 4-11: Number of Credit Cards (Million), 2006-2013
Figure 4-12: Credit Card Market by Player (%), Q1 2008
Figure 4-13: Number of ATM Terminals (2007, 2008 & H1 2009)
Figure 4-14: Share of Top Ten Banks by Number of ATMs (H1 2009)
Figure 4-15: Number of POS Terminals (‘000 Units), 2008 & H1 2009
Figure 5-1: Breakup of Bank Loans by Risk Level (%), 2008
Figure 5-2: Liquidity Ratios for Banking Sector (%), 2007 & 2008
Figure 5-3: Capital Adequacy Ratio for Banking Sector (2007 & 2008)
Figure 6-1: Bancassurance Premium (Billion Rubles), 2007 & 2008
Figure 6-2: Internet Users Penetration (%), 2009-2013
Figure 6-3: Number of Banks (1991-2008)
Figure 6-4: Losses from Credit Card Frauds (Million Rubles), 2007 & 2008
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