8
... >KH3Hecnoco6HOCTH yKpaHHCKHX 6aHI<OB FoRBES Ha Ha"'ano ,..,..,.,..,. .. CHTH6aHK, npoKpe,D,HT 5aHK, <J>paHuv::tCKHH 5aHK Asanb H 6aHK PoMaH KopHHniOK, EareHHM WnHTKO 40 FORBES

>KH3Hecnoco6HOCTH yKpaHHCKHX 6aHI

  • Upload
    others

  • View
    0

  • Download
    0

Embed Size (px)

Citation preview

Page 1: >KH3Hecnoco6HOCTH yKpaHHCKHX 6aHI

':tllf:.~:< ... M&I~otT~1Hr >KH3Hecnoco6HOCTH yKpaHHCKHX 6aHI<OB FoRBES Ha Ha"'ano ,..,..,.,..,. .. ,,,, eMepHKaHCKH~ CHTH6aHK, repMaHCKH~ npoKpe,D,HT 5aHK, <J>paHuv::tCKHH

aaCTpH~CKH~ Pa~cJ>cba~3eH 5aHK Asanb H ronnaH,D,CKH~ 6aHK YKP&IIIFIII~' PoMaH KopHHniOK, EareHHM WnHTKO

40 FORBES

Page 2: >KH3Hecnoco6HOCTH yKpaHHCKHX 6aHI

FoRaas nPEACTABn.AET csol1 e)f(efOAHbiH 6aHKOB­

CKHH npoeKT. ,li,IHI pacYeTa <<Pei1THHra

)f(J13Hecnoco6HOCTH KpynHeHWHX

yKpaHI-ICKHX 6aHKOB>> aBTOpbl HCnOflb-

30BaflH TpaAHL\HOHHble cpHHaHCOBble

noKa3aTeflH, cpeAH KOTOpblX - HI-l ­

AHKaTOpbl flHKBHAHOCTH, peHTa6eJi b­

HOCTH, KanHTaflH3al\HH, a TaK)f(e

Ka4eC'rBeHHhi e Ol\eHKH 6ecnepe6oi1Ho­

CTH nflaTe>KeH, nOMep)f(KH aKL\HOHepOB

H pHCKOB CTpaH HX npOHCXO)f(AeHHH.

PacYeTbi ocyll\eCTBfleHbi Ha ocHone

AaHHblX cpHHaHCOBOH OT4e'l'HOC'rl1

6aHKOB no COCTOHHHIO Ha 01.01.20 1 6,

TaK)f(e Y4HTbi BaflHCb Aa HHble H BY no

HTOfaM Tpex KBapl'allOB H OT4eTHOCTb,

ny6flHKyeMaH AYE. Ll,en b pei1THHra

OCTaeTCH l-leH 3Mei-IHOH - BblHBHTb

6aHKH C ca~10H BbiCOKOH BHyrpeHHeH

cnoco6HoC'rb iO nepelKHTb nepHOA

CHCTeMI-IOH HeCTa611llbi-IOCTH .

C MOMe~rra n 6Jli1Ka l\HH npeAbiAY-

11\ero pei1THH ra B an i-yC're 2015-ro

(no HTOra 1 nOJl fOA~I H, AOC'ryneH Ha

ca11Te << FORBF YKpaHHa>>) npoH30ll1flH

onpeAeJJeHHble 113MeHeHHH cpeAH ero

y<IaCTIHI KOB. C pbll-lKa 6bll !H Bbi BeAeHbl

YKpHH6aHK 11 <!>miaHCbi 11 KpeAHT,

TpaAHL\1101-I HO 3aHHMaBWHe HH)f(HIOIO

YaCTb pel1n11-Ironol1 -ra6liHL\bi. HonaH

KJlaccHcpHKal\HH 6aHKOB oT HEY TO)f(e

3aCTaBHJia HHa<Je OT6HpaTb HCCJle­

AYeMble cpHH y<I pelKAeHHH: BMeCTO

npe)f(HHX nepBbiX A Byx rpynn Mbl

BKJl!O<ll1JIH B p eHTI1Hl' BCe 6ai-tKH nep­

BOH I' pynnbl no HOBOH KJiaccHcpHKal\HH,

a TaK)f(e copa3MepHble no MacwTa6aM

AeHTeJibHOCTI1 6ai-IKI1 C HHOCTpaHHblM

11 rocyAapCTBeHHbiM KamrraliOM, o6-

flaAaiO!l\He pbi HO<JHbl MH AOJIHMH 6o11ee

0,5%. B l\efloM y<Jacnii1KI1 pei1THHra

)f(H3He<;noco6HocTH 6a1-1 KOB FORBES

KOHTpOfl11pyiOT OKOJIO 90% aKTHBOB

6aHKOBCKOfO CeKTOpa.

------ --- - --------

noclleAHHe nOflfOAa 6aHKOBCKHH

pb!HOK nOCTeneHHO OTXOAHll OT llO­

CfleACTBHH HeAaBHeH naHHKH, 0 <IeM

CBHAeTellbCTBYIOT OCeHHee CI-IH)f(eHHe

Aen03HTHblX CTaBOK H pOCT 06beMa

rpHBHeBbi X BKflaAOB. YcHJleHHe <<an ­

neTHTa» !UIHeHTOB K pHCKY n03BO­

JIHJIO 6aHKaM yMeHbll111Tb npOL\e!-ITbl,

B pe3yflhTaTe <Iero cpeAHeB3BeweHHaH

rpHBHeBaH CTaBKa UIRD no rOAO­

Bbi M Cp04Hb!M BKflaAaM CI-1113HJiaCb

cDEBPAJlb,2016

C 22 AO 20, 7%, CTaBKa riO AOllllapo­

BblM Aeri03HTaM B cpeAHeM ynaJia

C 9,4 AO 7,7% fOAOBblX, Ha B!()]aAbl

B espo - c 8 AO 6,8%.

n o CflOBaM 3aMeCTHTeflH npeACeAa­

TeflH npaBJleHHH <1>HAo6aHKa IOpHH

PoMywKH, eCJIH B TeYeHHe npowfloro

fOAa BIUiaA4HKH npeA!l04HTaflH pa3-

Mell\aTb cpeACTBa I-Ia KpaTKOCp04Hbl X

Aell0311TaX AO Tpex MeCJIL\eB, a TaiOKe

Ha BKflaAaX CO CB060AHblM AOCTynOM,

TO pe3yflbTaTbl OKTJI6pJI - HOJI6pJI llOKa-

3aflH XOpowyiO AHHaMHKY no npHpOCTY

6oflee AOXOAHblX BKflaAOB B Hal\HOHaflb­

HOH namoTe Ha cpoKH Bbiwe wecTH

MeCJIL\eB. AHaflOfH4HYIO TeHAeHL\1110

K yneliH4eHH IO cpo4HOCTH Aeno3HTOB

OTMeYaeT 11 npeACeAaTeflb npanfle-

HHH 6aHKa KpeAHT ,li,Henp EfleHa

MaliHHCKaJI.

nOflbll111!-ICTBO onpoweHHbl X 6aH­

KHpOB ysepeHbl, 4TO npH OTCYTCTBHH

MaKp03KOHOMI14eCKI1X WOKOB TpeHA Ha

FORBIS

CHH)f(eHHe Aell03HTHblX CTaBOK 6yAeT

npOAOJI)f(aTbCJI 11 B 2016 fOAy, OAHaKO

Cyll\eCTBeHHOfO naAeHHJI O>KHAaTb He

ClleAyeT. fllaBHbl MH cjJaKTOpaMH BOC­

CTaHOBJleHHJI I1p11TOKa Aell03HTOB H na­

AeHHJI CTaBOK cnel\HaJIHCTbl Ha3b!Ba!OT

CHH)f(eHHe 11HcpflHL\1111, CTa6HJIH3al\Hl0

Kypca, CHJITHe orpaHH4eHHI1 no samoT­

HbiM BKflaAaM.

B ycflOBHJIX 0611\ero CHH)f(eHHJI

Aen03HTHbl X CTaBOK KJlHeHTbl Ha4H­

Ha!OT HCKaTb 6oflee BblfOAHbie npeA­

flO)f(eHHJI, Bbi 6HpaH MeHee HaAe)KHble

6aHKH C COMHHTeflbHOH riJlaTe)f(HOH

penyral\HeH. no MHeHHIO 3aMeCTHTeflJI

npeACeAaTeflJI npaBJieHHJI C6ep6aHKa

PoccHH 11pHHbi KHH3enol1, cTaBKH He

CH11)KaiOT 6aHKH, HCllb!TbiBaiO!l\He KpH-

3HC flHKBHAHOCTH . Ollbra Ill,ep6HHa,

AHpeKTop AenapTaMeHTa po3HH4Horo

6aHKHHra YKpra36aHKa, He 11C~I04a­eT nOBbiWeHHJI CTaBOK B He60Jibll1HX

6aHKaX C l\eflb!O npHBJie4eHHJI HOBbl X

41

Page 3: >KH3Hecnoco6HOCTH yKpaHHCKHX 6aHI

nACCli1BHblll1.llOXO.ll -Y1<pa!11HCI<V1~ !11HAel<c cTaBO I< no Aeno3!11TaM cP1113!114ecl<!l1x n!I1L\ cpoi<OM Ha

12 MeCSH~eB,% rOAOBbiX.

• rp11 eHa • $ • eepo

25

20

15

10

5

0 2011 2012 2013 2014 2015 2016

111cTOYH"K: H6Y, Thomson Reuters

42 FORBES

I<JII1ei-ITOB, )"-111Tb1Ba51 BbiCOI<YIO I<OHI<y­

peHI_\1110 Ha pbiHI<e naCCI1BOB QJ113 11'-Ie­

CI<11X Jll11_\.

-----------

HecMoTpn Ha 3 aMaHLII1Bble pei<JiaMHble

npeAJIO)f(el-!1151, Oflb!TI-Ible I<JII1ei-!Tb1 6aH­

I<OB AJIR coxpaHeHI151 cpeACTB 11 HepBoB

ai<T11BHO 111-!TepecyiOTCJI He TOJibi<O AO ­

XOAHOCTb10, HO 11 )f(I13Hecnoco6HOCTb10

Bb16paHHb1X QJ11H)"--pe*AeHI1H. q ·ro6b1

OTBeTI1Tb 1-!a BOnpoc <<YAaCTCJI JII1 6aH1{\

yAep)f(aTb rnoi<OBbiH yAap?», FoRBES

pei<OMeHAyeT XOTJI 6b1 Op11e1-IT11pOBOLJ­

HO Ol_\eHI1Tb CI1JIY B03 MO)f<H0f0 CTpecca,

flOAyMaTb, CT011T JII1 AOBepRTb 6aHI<aM

B006UJ,e, 11 TOJibi<O nocJie I<OMnJiei<CHOH

Ol_\eHI<I1 QJ11HaHCOBOH OTLJeTHOCTI1, pe­

nyTal_\1111 11 cTpyi<TYPb1 co6cTBeHHOCTI1

HaL111HaTb AeJioBoe COTPYAHI1L1eCTBO.

C l_\eJib10 fl0Af0TOBI<I1 I< neCCI1MI1-

CTI1LJHOMY Cl_\e1-Iap1110, FORBES onpeAe­

JII1JI CeMb 1<JilOLJeBb1X p11CI<OB 11 yrp03

2016 roAa, I<OTOpb1e 6oJ1bLUe ncero

6ecnOI<OJIT MeHeA)f<epOB BeAYUJ,11X

yi<pa11HCI<I1X 6aHI<OB.

1. Kpep;MTHhle pHCKM. Ha nepnoM

Mec-re no ynoMI1HaeMOCTI1 oi<a3a­

nacb np06JieMa TOI<CI1LJHbiX ai<T11BOB,

I<OTopan 6ecnoi<OI1T 70% onpoweH-

1-IbiX cnel\11aJII1CTOB. B pe3yJihTaTe

3I<OHOMI1'-ieci<oro cnaAa I<aLJeCTBO

I<peAHTHOfO nopTQJeJIJI 6aHI<OB yxyA­

llii1JIOCb, LJTO o6yCJIOBI1JIO He06XOA11-

MOCTb AOQJOpM11pOBaTb pe3epBbl 11,

COOTBeTCTBeHJ-10, yMeHbllii1Tb I<af!I1-

TaJI . Anei<caHAP KpaBel\, A11pei<Top

AenapTaMeHTa p11ci<-MeHeA*Mei-!Ta

6aHI<a XpeUJ,aTI1I<, OTMeLJaeT,

LJTO AOJIR npo6neMHbi X ai<TI1BOB

11MeeT TeHAe1-IL\1110 I< yBeJII1LJeJ-11110,

a I<OCBeHHb1M CB11AeTeJibCTBOM

3T0f0 JIBJIJ!eTCJI 0Tp111_\aTeJibHOe

31-1aLJe1-111e npol\eHTHOH Map)f(11.

PoMaH Jienai<, A11pei<'rop Aenap­

TaMeHTa opraHI13al\1111, cTpaTerl111

11 PR KpeAoEaHI<a, y6e*AeH, LJTO

60Jibllii1HCTBO QJ11HyLJpe)f(AeHI1H

B 2016 fOAY cocpeAOTOLJaTCJI Ha

BHyTpe~mei1 pec-rpyK'ryp113al\HI1

11 OLJI1CTI<e CBOI1X 6aJiaHCOB, LJTO CTa­

HeT CAep)f(11BaTb 11X ai<TI1BHOCTb Ha

I<peA11THOM pbmi<e. B 3T11X ycJIOBI1RX

6aHI<11, 11Me10UJ,I1e JI)"--LUee I<aLJeCTBO

ai<TI1BOB 11 CB060AHble pecypCb1 AJ151

I<peA11TOBaHI1R, cMoryr nepepac­

npeAeJ111Th pb1HOI< B CBOIO 110Jib3y,

Page 4: >KH3Hecnoco6HOCTH yKpaHHCKHX 6aHI

.., "' w

"' L 0 9 "' z w !;; _J

PEC1Tl-1Hr >Kl-13HECnOC06HOCTl-1 KPYnHEC1Wl-1X 6AHKOB YKPAl-1Hbl [.\lj

CI!ITI!I&AHK 4 4

nPOKPEAI!IT &AH K 4 4

PAiiiCIICIIAiii3EH &AHK 4 ABA/lb

4

4

YKPCI!I 6&AH K 4

KPEAO&AHK 3 4

OTn&AH K

YKPrA3&AHK 3

6AH K ni!IBAEH Hbl lil

&AHK BOCTOK 4

nPI!IBAT6AHK 1

MHA&AHK 4 2

Ai'IAMAH T6AHK 3

YKP3KCI!IM6AHK 4

n YM6 1

YHI!IBEPCAII6AHK 1 3

Allb4>A-6AHK 3

C6EP6AHK POCOtM 1 3

4>1!1A06AHK 3

&AHK XPEIUATMK

BT6 6AHK 1

nPOMI!IHBECT6AHK 2 1

6AH K KPEAHT A HEnP 1

PLATINUM BANK 3

KAK Mbl C4111TAnil1

PeliiTI1Hr >K113Hecnoco6HoCTI1 6 aHKOB - I-1H<jJopMaU,I-10HHbtiii npoet<T ou,eHK1>1 HaAe>K HOCTI>1 KpynHei:iwl>1x <jJI>1Hy4pe>KAeHI-1iii Yt<pa1-1Hbl. OH Y41-1TbtsaeT sa>KHeiiiwl>1e <jJaKTOpbt <jJ!-1HaHcosoiii ycToiii41>1SOCTI-1, I<OTOpbte Mmi<HO paCC4 1>1TaTb Ha OCHOSe ny6ni-14HOiii 1>1 H<jJOpMaU,I>11>1 Afl~ nnaTe>Kec noco6Hbtx 6aHKOB. Cnoco6HOCTb 6aHKa nepe>t<I>1SaTb nep1>10Abt CI-1CTeMHbiX A1-1c6anaHcos onpeAen~eTc~ KaK o6U,\a~ cyMMa 6annos <jlat<Topos cTa6!-1nbHOCTI-1 -OT 1 AO 4, S3SeWeHHbiX Ha Sa>KHOCTb Ka>KAOrO <jlat<Topa - OT 0 AO 1. 8 3asviCI>1MOCTI-1 oT o6U,\ero 3a4eTa 6aHKI>1 pacnpeAen~IOTC~ no rpynnaM: A, B, C 1>1n1>1 D. ii1CT04H1>1KI>1 AaHHbiX:noKa3aTefll>1 <jJI>1 HaHCOSOiii OT4eTHOCTI-1, ony6nvu<OsaHHbte Ha o<jJ1>1u,1>1anbHbtX caiiiTax AY6, H6Y 1>1 Ha I<OpnopaTI>1SHbiX caiiiTa X 6 aHKOS, y4aCTSYIOll.\I-1X S peiiiTI-1Hre. ,O,n~ onpeAeneHI>1~ <jJaKTopa «n oAAep>KKa 1>1 p1-1CKI-1 snaAenbu,es» I-1Cnonb3yeTc~ o<jJ1-1u,1-1anbHa~ 11H<jJopMau,l>1~ H6Y o snaAenbu,ax Cyll.\eCTSeHHOiii AOfll>1 6aHKa, a Ta K>Ke AaHHble 1>1H<jJOpMareHTCTS 1>1 FORBES. npl-1 nOA[OTOSKe MeTOA1>1KI-1 peiiiTI>1Hra Y41-1Tb i SaiOTC~ cneAYIOll.\1>1e <jJat<TOpbt, onpeAemiOll.\1>1e >K I>13Hecnoco6HOCTb 6aHKos: 1. CooTseTCTSI-1e Kani>1Tana aKTI-1SaM. 2. l<a4ecTso t<peAI>1THoro nopT<jJen~ . 3. n oAAep>KI<a 1>1 p1>1CKI>1 snaAeflbU,eS.

'Bl/!.J!-iv Tb 6ECnErE501'1H >CTb /"11'-1APHb1VI PEftn11lr BblnnAT [,Al/1

4 4 4 3,70

4 4 4 3,50

4 4 4 3,35

4 4 3,35 A

2,5 4

3 4

4 4

3,5 4 4 3,00 8

2,5 4 4 2,95 8

1 3,5 4 2 2,90 8

2 4 3 3 2,80 8

3 4 4 2,80 8

4 1 2,80 8

4 4 2,75

4 2 2,65

4 4 2,60

1 4 4 2,55

2 3 4 3 2,50

2 2 4 1 245

1,5 4 3 2,40

1,5 4 4 2,25

1,5 4 1,95 c 3 4 1,95 c 1,5 4 3 1,90 c

3 4 180 c 1,5 4 1,70 c 1,5 2 1,40 D

METOA1>1 KAo POMAH KOPHI>1fl !OK, EBrEHI>1 Vi Wni>1TKO

4. PeHTa6en bHOCTb. 5. fli>1KSI-1AHOCTb 6aHKa. 6. 6ecnepe6oiiiHOCTb BbtnnaT. 7. CI>1CTeMHOe 3Ha4eHI-1e 6aHt<a. 3t<cnepTHbtiii coseT FoRBES onpeAenl-1n yposeHb sa>KHOCTI-1 Ka>KAOro 1-13 npeAnmt<eHHbiX <jlat<Topos 4epe3 np1-1csoeH1-1e secos­MHO>KI-1Tenetli, CYMMa I<OTOpbiX pasHa eAI-1HI-1U,e. ,IJ,eTaflbHa~ MeTOAI-11<a pac4eTa peiiiTI-1Hra c <jJopMynaMI-1 1-1 t <p1-1Tep1-1~MI-1 n p1-1csoeH1-1~ 6annos pa3MeU\eHa Ha caiiiTe <<FORBES YKpa!-1Ha>>. ii1HAI-1KaTopbt 6onbWI-1HCTsa <jlat<TOpOS ~<I-13Hecnoco6HOCTI-1 paCC41-1TaHbl no COCTO~HI-110 Ha 01 .01.2016 3a I-1CKnl04eHI-1eM <jlat<Topa << n po6neMHOCTb t<peAI-1THoro nopT<jlen~». rAe 1-1CnOflb3YIOTC~ AaHHble OT 01.10.2015. OT peAaKU. I-11-1 : lnasHbiM ~sn~eTc~ peiiiTI-1Hrosa~ 1<aTerop1-1~ rpynmt 6a Ht<a -A, B, C 1-1n1-1 D, a He era nop~AKOBbtiii HOMep s Ta6n1-1u,e. PeAat< U.I-1~ 1-1 asTOpbt peiiiTI-1Hra He HeCyT OTSeTCTSeHHOCTI-1 3a peweH I-1~ TpeTbi-1X fli-1LI,, np1-1H~Tbte 1-1CKni041-1TenbHO Ha ocHosaHI-11-1 3Toro peiiiTI-1Hra. PeiiiTI-1Hr HOCI-1T I-1Ct<fl i041-1TenbHO I-1H<jJopMau,I-10HHbtiii xapaKTep. OH Bbtpa~<aeT fli-1 Wb MHeH!-1e peAai<U,I-11-1 OTHOCI-1TeflbHO ypOSH~ >t<I-13Hecnoco6HOCTI-1 1-1 YCTOiii41-1SOCTI-1 6aHKOS Ha OCHOSaHI-11-1 <jJI-1HaHCOSOiii OT4eTHOCTI-1. PeiiiTI-1Hr Henb3~ paccMaTp!-1saTb Ka t< peKoMeHAa U.I-110 An~ Sbt6opa 6aH I<OSCI(I-1X npOAYKTOS.

<P EBPAfl b,2016 FORBES 43

Page 5: >KH3Hecnoco6HOCTH yKpaHHCKHX 6aHI

np11BJieKa.H BblCOKOKa'-!eCTBeHHblX

KJIHeHTOB, pa6oTaiOll\11X B 3KCnOpT­

HblX OTpaCJIJIX 11 11Me!Oll\11X cnpOC Ha

KpeAHTbl.

2. ,ll;esa.n:bsau;nn M mecTKan

BaJIIOTHaJI llOJIMTMKa (62%).

44

K co)KaJieHHIO, B 2016 roAy ocTaiOT­

cn aKTyaJihHblMI1 BaJI!OTHble p11CKI1

KaK pe3yJibTaT KOJie6aHI1H Kypca

Hal.\HOHaJihHOH BaJIIOTbl K 11HO­

CTpaHHblM, a TaK)Ke nporpaMMhi

pecTpyKTypH3al.\1111 11 KOHBepTal.\1111

BaJIIOTHblX KpeAHTOB, 110A'-1epK11BaeT

l0p11i1 PoMyrnKa 113 <DHA06aHKa.

3Ha'-!11TeJibHblH llJiaCT npo6JieM

6aHK11pbl CBJ13biBaiOT C '-1pe3MepHO

)KeCTKI1MI1 aAM11HI1CTpaTI1BHblM11

MepaMH BaJI!OTHOfO peryJIHpOBaHH.H,

KOTOpOe 03Ha'-laeT COOTBeTCTBYIOll\ee

OCTOpO)KHOe llOBeAeHHe cy6oeKTOB

3KOHOMH'-!eCKOH Ae.HTeJihHOCTH,

a 3Ha'-IHT - HOBbie TPYAHOCTH AJIJI

6aHKOB . l1p11Ha KHn3eBa (C6ep6aHK

Pocc1111) C'-IHTaeT, '-ITO B CJIY'-!ae oT­

MeHbi orpaHH'-!eHHH 110 BaJIIOTHbiM

Bl<JiaAaM np11TOK BaJI!OTbl B 6aHKI1

BOCCTaHOBI1TCJI.

3. OcTpan noTpe6HOCTh B Kann­

TaJie (54%). << KJI!O'-!eBble p11CK11

11 yrp03hi HarnJIH cBoe OTpa)j(e­

HHe B pe3yJihTaTax CTpecc-TecTa,

KOTOpbiH npOWJII1 20 KpynHeHllJI1X

yKpa11HCKI1X 6aHKOB (AeTaJibHee

CM. CTaTbio Ha cTp. 48.- FoRBES). 3TH pe3yJihTaThi onpeAeJIHJIH cno­

co6HOCTh cPHHaHCOBbiX 11HCTI1TYTOB

pa6oTaTh B ycJIOBHnx AeBaJibBal.\1111

11 HHcjJJIJIL\1111. PeKoMeHAal.\1111

CTpecc-TeCTa HaW 6aHK Bblll0JI­

HI1JI, npHBJieKan AOllOJIHHTeJihHhiH

KanHTaJI OT EEPP»,- paccKa3aJI

FORBES npeACeAaTeJib npaBJie-

HI1JI Pat\cjJcjJai13ei-I EaHKa ABaJib

BJiaAHMHp JlaBpeH'-IyK. Ero

FORBES

KOJIJiera, npeACeAaTeJib npaBJieHHJI

YKpC1166aHKa <D11JI11nn ,ll,IOMeJih

TaK)Ke OTMe'-!aeT, '-ITO yBeJIH'-IeHHe

KanHTaJia Ha $130 MJIH n03BO-

JII1T ero Y'-!Pe*AeHHIO coxpaHHTh

n0311L\1111 B HenpOCTbiX 3KOHOM11-

'-!eCKI1X YCJIOBI1JIX. ,ll,JIJI 6aHKOB­

CKOfO CeKTOpa AecPHL\111' KanHTaJia,

B '-laCTHOCTI1, 06Hapy)KeHHbiH

no pe3yJihTaTaM cTpecc-Tecra,

CTaHeT rJiaBHbiM Bbi30BOM, C'-111TaeT

PoMaH JlenaK 113 KpeAoEaHKa.

<< B OTJII1'-!11e OT rocyAapCTBeHHbiX

6aHKOB 11 6aHKOB CO CTpaTerH'-!e­

CKI1M 11HOCTpaHHbiM KanHTaJIOM,

y aKL\110HepoB cPI1HY'-!Pe*AeH11H

C yKpa11HCK11M KanHTaJIOM Kpat\He

OrpaHH'-!eHbl B03M0)KH0CTI1 11 ro­

TOBHOCTb BJIHBaTb B CBOI1 6aHK11

AOnOJIHHTeJibHblH KanHTaJI. no

HallJHM OL\eHKaM, B 3TOM rDAY Mbl

YBHAHM npHMepbi BhiBOAa 6aHKOB

C pblHKa 11MeHHO no np11'-111HaM He­

B03M0)KH0CTI1 HapaCTI1Tb KanwraJI

AO corJiacoBaHHoro c HEY ypoBH.H.

,ll,Jin 6aHKOB c 3anaAHhiM Kanwra­

JIOM AaHHbiH p11CK MI1HI1MaJihHbiH,

nOCKOJibKY 11X aKL\110!-Iepbl AOKa3a­

JII1 cepbe3HOCTb CBOI1X HaMepeHHH

11 Ha'-!aJII1 yBeJIH'-!eHHe KanHTaJIOB

ell\e B 2015-M>>,- OTMeTHJI

JlenaK.

4. CnmKHOCTM pecjJopMnposaHnn

M BOCCTaHOBJieHMJI 6aHKOBCKOH

CMCTeMhl (50%). no MHeHHIO

npeACTaBHTeJieH AflhcjJa-EaHKa,

Cyll\eCTBeHHbiM OCTaeTCJI 3aKOHO­

AaTeJibHO-peryJIJITOpHbiH pHCK.

,ll,o c11x nop He perueHa npo6JieMa

BaJI!OTHbiX KpeAHTOB cPI1311'-!eCKI1X

Jll1l.\, He np11HJ!Tbl 3aKOHbl 0 CO­

AeHCTBI111 pecTpyKTyp113al.\1111

3aAOJI)KeHHOCTI1 KOpnopaTHBHhiX

3aeMll\11KOB. He peweHhi MHor11e

npo6JieMbi no 3all\HTe npaB KpeAH­

TopoB, '-ITO ycyry6JineT npo6JieMbi

Hepa6oTaiOll\11X AOJifOB 11 3aMeA­

JIJieT HOpMaJII13al.\1110 cPHHaHCOB

6aHKOBCKI1X Y'-!Pe*AeHHH. OT

ypOBHJl aKTI1BHOCTI1 11 KOHCTpyK­

THBa 3aKOHOAaTeJibHOH pa60Tbl

3aBI1CI1T CKOpOCTb Bh13AOpOBJieHI1.H

6aHKOBCKOH CI1CTeMbi, OTMe'-!aiOT

6aHK11pb!.

5. lla,~~;eHne p;osepnn M naHMKa

Cpe,lJ;M BKJ!a,ll;'-IMKOB (46%). AHaJIHTHK UniCredit Bank

Page 6: >KH3Hecnoco6HOCTH yKpaHHCKHX 6aHI

AH,11.pei1 Tip11XOAbKO Ha3bmaeT HI13 -

K11H ypoBeHb ,[I.OBep11JI K 6aHKOBCKOH

CI1CTeMe nepBbiM B Cni1CKe p11CKOB

11 yrpo3 2016 ro,11.a . Tio MHeHmo

AlleKcaHA pa KpaBf.\a 113 6aHKa

Xpell.\aTI1K, yxy,ll.llleHI1e OTHO!lle­

H11JI KJII1eHTOB K CI1CTeMe CBJI3aHO

C MaC!liTa6Hbi M COKpall.\eHI1eM

KOJII14eCTBa 6aHKOB. Cpe,11.11 rnaBHbiX

np11411H B03M0)!{H0!'0 nOBTOpeHI1JI

naH11KI1 6aHK11pbi Tal()!{e Ha3biBaiOT

BOHHY Ha ,ll,oH6acce 11 MaKp03KOHO­

MI14ecKyio HeCTa611JibHOCTb.

6. BoeHHbie, BHYTPM- u BHelliHe­

noJIMTM4ecKue pMCKM ( 46% ). << Kpy nHeH!lii1M p11CKOM KaK AJIR

6aHKOBCKOI'O CeKTOpa, TaK 11 AJIJI

Bcex oT p aCJiei1 3KOHOMI1KI1 YKpa11Hhi

OCTaeTCH yrp03 a 060CTpeHI1JI BO­

eHHO f O KOH<f>JI11KTa Ha BOCTOKe CTpa­

Hbl. 3 KOHOMI1Ka MQ)f(eT pa3BI1BaTbCJI

rPYnnAA

11 AeMoHcTp11poBaTb poeT TOJibKO

B M11pHOH cpe,11.e», - nonara-

eT EneHa MaJII1HCKaJI (Kpe,11.11T

,ll,Henp). Tal()j{e cpe,11.11 Be poRTHhiX

p11CKOB 6aHK11pbl paCCMaTp11BaiOT

B03MQ)f(HQC'fb OTCp0'-IK11 B nony­

l.fel-11111 O'-IepeAHhiX TpaH!lleH MB<D,

'-ITO 6y,11.eT HeraTI1BHO m ·pa)KaTbCJI Ha

COCTOJII-11111 30JIOTOBaJIIOTHbiX pe3ep­

BOB 11 KypcOBOH CTa611JibHOCTI1.

7. MaKp03KOHOMM4ecKue lllOKM

(38% ). 3KcnepTbi AllbQ>a- BaHKa

o6pall.\aiOT BHI1Ma~me Ha MOLI.\HOe

B03AeHCTBI1e BHe!liHI1X MaKp0-

3KOI-IOMI1l.feCK11X p11CKOB Ha <f>11HaH­

COBYIO yc-rOH411BOCTb: <<M11pOBbie

pbiHKI1 cna6hi, CHI1)f(eHI1e f.\eH Ha

KJIIOl.feBble TOBapbl yKpa11HCKOI'O

3KcnopTa npO,li.OJI)!{aeTCJI. HeT

OCHOBaHI1JI Q)I<I1,1J.aTb Cyll.\eCTBeH­

HOI'O BOCCTaHOBJieHI1JI yKpa11HCKOH

3 KOHOM11K11 B 2016 ro,11.y. B To )j{e

BpeMJI Ol.feB11AI-Ibl 3 Hal.fi1TeJibHI,Ie

p11CKI1 ,[I.JIJI TpeHAa CTa611JII13a­

f.\1111, Hal.faB!llel'OCJI B 2015- M .

f103TOMY 0)!{11,11.:iHI1JI pbi HKa

B 3 TOM I'OAY Ol.feHb C,ll.ep)f(aHHbie >>.

B rocy,ll.apcTBeHHOM Oll.\aA6aHKe

TaiOKe CO!'Jia!lla iOTCJI, '-ITO MaKp0-

3KOHOM11l.feCKaJI CI1TYaf.\11JI

B c-rpaHe CTaHeT onpeAeJIJIIOLI.\11M

<f>aKTOpOM BJII1JII-111JI Ha Ka4eCTBO

11 ,[I.OXOAHOCTb Kpe,11.11TH0 - 11HBe­

CTI1f.\110HHOI'O nOpT<f>eJIJI 6aHKOB

YKpa11Hbi. HecMoTpR Ha roTOB ­

HOCTb K xyA!lleMy, 60Jibllii1HCTBO

6aHK11pOB HaCTpOeHbl yMepeH­

HO OnT11MI1CTI1'-IHO, HaAeJICb,

'-ITO !'JiaBHblM Bbi30BOM CTaHeT

npeO,li.OJieHI1e pa3pyllii1TeJib­

HbiX nocJie,[I.CTBI1H M11HYB!llero

Kp113 11Ca, a He 60pb6a C HOBbiMI1

cTpeccaMI1.

AKTHBbl, KanHTan, <!>HHpe3yn•rar, .D.on• Ha pbtHKe ,lJ.onA Ha pbiHKe JlonA Ha pbiHKe Jlono Ha pbiHKe KonH'tecTBO n11KBH,Il,HOCTb0,

Mn8f\ [8H Mn8f\ [8H, MllHrpH, .o.enoJHTOB Ae003HTOB Kpe.o,11TOB KpeAI1TOB n<>,lij)a3AeneHI1~ % 01. 1.2 16 01. 1.2 16 01.12.2015 c1>113n11ll,% 10pn11t1,% ci>H3nHt~,% 10pn11 %

16,0 2,5 1557 0,0 3.7 0,1 0,3 0 16,8

7,9 0,7 76 0,8 0,9 0,3 0,6 27 5,5

61,7 7,3 -2011 4,2 6,3 13,5 3,8 595 10,0

237 22 ·18 1.4 3,5 1,2 1,8 168 7,7

~ H r 6AHK YKPA~HA 14.4 2,3 312 0,0 1,0 0,0 1.4 0 6,1

)lAHHbiE: H6Y, AY6,0<llVIUVIAnbHbiE CAViTbl 6AHKOB, PAC4ETbl FORBES

' PAC~ETHbli'l "'Hil"'KATOP fiVIKBVI)lHOCT VI n O COCTO~HVIIO HA01.0 1.2016(C00THOWEHVI E CYMMbl CPE)lCTB B KACCE VI OCTATKOB HA KOPC4ETAX B H6Y K 06~3ATEfibCTBAM 6AHKA).

rPYnnAB · CI-F ~T . '

A.r...Bbl, Kamnan, Cl>lo1Hpe3yl1bTaT, ,QonR Ha pbiHKe .{lOll AHa pbiHKe JlonA Ha pbiHKe LlanA Ha pbiHKe KonH4ecTBO flliiKBHAHOCTb 0

Oi.8t'2'8r6 ~t8t'2'8r6 o~'i2.%'1s .o,enOJHTOB Ae003HTOB KPe.llHTOB kpep.HTOB nO.QPaJ.o.eneHHH % ci>H3nHt~,% IOpnHll,% cl>>13nHt~,% 10pn11t1,%

43,6 2,0 -32 2,8 6,1 6,3 1,8 455 4,7

8,6 1,0 177 0.7 0,8 1,1 0.4 108 4,7

56,1 7,2 -9719 3,3 3,6 14,8 2,9 263 5,3

166,2 12,3 -4789 135 113 34 11,7 4164 3,8

23,0 3,7 -1606 2,2 2,5 6,3 1,8 83 5,3

42,3 5,5 -81 2.7 4,7 3,2 1,9 179 10,6

19,9 2,2 48 1,4 1,3 0,3 1,6 138 8,0

66 04 41 0,5 0,7 0,0 0,5 34 11,0

271,1 27,5 240 34,2 - 11,1 20,0 20,0 2588 6,8

8,9 0,8 18 0,5 10 04 0,9 170 3,6

7,0 0,3 1 0,5 0,9 0,1 0.4 83 6,8

148,3 3,9 -9822 6,1 13,9 0,8 11,2 102 2,3

38,6 4,1 -772 3,5 3,5 4,6 3,4 157 6,6

58 07 -66 0,5 0,3 2,2 0,2 43 3,9

Anb<I>A· 6AH K 44,1 2.7 ·2567 3,1 3,6 4,1 3,4 105 2,7 )lAH HblE: H6Y,AY6,0<llVIUVIAnbHb1E CA>lTbl 6AHKOB. PAC4ETbl FORBES

' PAC4ETH bl>l VI H)lVIKATOP fiVIKBVI)lHOCTVI nOCOCTO~HVIIO HA 01.01.2016 (COOTHOW EHVI E CYMMbl CPE!lCTB B KACCE VI OCTATKOB HA KOPC4ETAX B H6Y K 06~3ATEfibCTBAM 6AHKA).

<PEBPAJlb,2016 FORBES 45

Page 7: >KH3Hecnoco6HOCTH yKpaHHCKHX 6aHI

B rpynne A pei1TI1Hra

)KI13HeCnOC06HOCTI1 6aHKOB no

pe3yJihTaTaM 2015 rot~a cyMeJII1

yt(ep)KaThCJJ aMepHKaHcimH CHTH6am<,

ascTpHHCKHH Pai1cjxpai13eH BaHK AsaJib

H cjJpaHL\Y3CKHH KpeA11 Arp11KOJih BaHK.

BhiCOK11H yposeHb )1<113Hecnoco6HOCTH,

COrJiaCHO peHTHHfOBOH MeTOt(11Ke

FoRBES, Tal()Ke not(TBept(HJIH HeMel\KHH

f1poKpeAI1T BaHK 11 roJIJiaHACKI1H I1Hf

BaHK YKpaHHa.

3TH 3anat(Hble cp11H)""lpeMAeHI1JI

He TOJibKO Bbi)KHJII1 BO BpeMeHa

CHCTeMHbiX nOTpJJCeHHH, HO

H COxpaHHJII1 CTpaTerw-IeCKHH 11HTepec

K yKpaHHCKOMY 6aHKOBCKOMY pbiHKy,

'-ITO Bb!pa3HJIOCb B AOKani1TaJIH3al\11H

H Kpet(.HTHOH nOMep)KKe CO CTOpOHbl

MaTepHHCKHX XOJit(HHfOBbiX rpynn.

CHTH6aHK H I1Hf BaHK YKpaHHa

TPaAHL\HOHHO nOJI)""IHJIH BhiCOKHe MecTa

6JiafOt(apR HH3K03aTpaTHOH MOt(eJIH

46

HHBeCTHL\110HHO-KOpnopaTI1BHOfO

6aHKHHra C Bb!COKOH JIHKBHt(HOCTbiO,

np116hiJibHOCTbl0 H HH3KI1M ypOBHeM

npo6JieMHOCTH KpeAHTOB. OcTaJihHbie

6aHKI1, pa60TaJO!I.\11e B pHTeHJie, .

CTOJIKHYJIHCb C ll111p0KI1M cneKTpOM

npo6JieM Ha Kpet(I1THOM pblHKe,

Oll.\YTHMblX AflJI HX pe3epBOB, HO 6Jiaro­

t(apJJ JIOJIJibHOCTH BKJiat('-IHKOB 06Jiat(aJOT

KOHKypeHTHblM npeHMyll.\eCTBOM B BHt(e

OTHOCHTeJibHO HH3KOH CTOHMOCTH npH­

BJie<JeHHbiX pecypcos.

Pai1cjlcjlai13eH BaHK AsaJib Ha

npOTJJ)KeHHH npOIIIJIOfO fOt(a 11MeJI

H36biTO'-IHYIO JIHKBI1t(HOCTb 11 nposeJI

scpcpeKTHBHYIO pecTpyKrypH3al\1110

per!10HaJihHOH ceTI1. f1poKpet(HT

BaHK H KpeAH ArpHKOJih Bm-IK so

BpeMJI Kp11311Ca cyMeJIH <<C06paTh

CJ111BKI1>> Ha p03HWIHOM t(en0311THOM

pbiHKe, nepey6eMAaJJ KJII1eHTOB

Bb!COKI1MH peHTHHfaMI1 H 3anaAHhiM

npOHCXOMAeHHeM KanHTaJia.

FORBES

B rpynne B co cpet(HHM yposHeM

)KI13HeCnOC06HOCTH - 12 6aHKOB, 113

KOTOpblX <JeTblpe - HHOCTpaHHbJe,

TpH - fOCyt(apCTBeHHbJe, OCTaJibHble­

'-laCTHhle OTe'-!eC'rseHHb!e.

<DpaHL\Y3CKHH YKpCH66aHK not~ pyKOBOACTBOM <DHJII1nna JI,IoMeJIJJ

Hapall.\11BaeT KanHTaJI H t(OJIIO

EBPP B CTPYKType co6cTBeHHOCTH.

B npowJIOM rot~y aKL\110Hephl 6aHKa

npHHJJJIH pewe~me yseJIH'-111Th

ycraBHbiH KanHTaJI 6aHKa B 3,5 pa3a

3a C<JeT t(OnOJIHHTeJihHOfO BbinYCKa

aKL\11H. KanHTaJI BbipaC'reT Ha 4,5 MJIPA

rpHBeH -1-10 6,2 MJIPA rp11BeH.

f1oJihCK11H Kpet~oBaHK 3a npOWJihiH

fOA yseJIWIHJI C06CTBeHHhlH Kani1TaJI

BABOe - AO 6oJiee 1 MJIPA rp11BeH.

B '-lacTHOCTI1, s IV KsapTaJie 6hiJI

o6nJJBJieH t(OnOJIIJHTeJibHhlH BbinYCK

aKL\11H 6aHKa Ha cyMMY 330 MJIH

rpHBeH, KOTOpb!e 6b!JII1 BbiKynJieHhl

C'rpaTerl1'-leCKHM aKL\HOHepoM PKO

Bank Polski SA. CoceAJJMH no rpynne oKa3aJIHCh

Allbcpa-BaHK 11 UniCredit Bank­

cooTBeTcTBeHHO A0'-1epH11e 6aHKH ABH

Holdings SA H UniCredit Group, KOTO­

pble B JIHBape C0061J.\11lll1 0 CAeJIKe no

nepeAa4e AOJIH UniCredit B YKpCOL\6aHKe

KOHCOpl\HYMY <<Nlbcpa-fpynn» B o6MeH

Ha AOOOJIHHTeJibHO BbinYIJ.\eHHble 9,9% aKL\11H ABH Holdings SA. BcJiet(CTBHe

onepaTI1BHOfO cpOpMHpOBaHHJI pe3epBOB

nOA KpeAHTHbJe pHCKH 3TH 6aHKH AeMOH·

cTpHpyioT OTPHL\aTeJibHYIO peHTa6eJih­

HOCTh, XOTJI B KOMMeHTapHJIX FOR131~ 3aJIBJIJIIOT 0 003HTHBHOH t(HHaMHKe I< ee

pocry. U niCredit Bank AJIR ycHneHHJI

003HL\HH OCyiJ.\eC'fBHJI yBeJIH4eHHe pa3-

Mepa KanHTaJia Ha $500 MJIH. B Ha4aJie

AeKa6pJI npowJioro roAa aKL\110Hepbl

AJibcpa-BaHKa Tal()Ke peWI1JII1 yseJII1411Tb

yCTaBHbiH Kani1TaJI Ha $131,5 MJIH. f1o

COCTOJIHHIO Ha 15 AeKa6pJI 2015-ro 6aHK

He 11MeeT HenoraweHHOH 3aAOJI)KeHHOCTII

nepeA HEY - nocnet(HI1H Kpet(I1T Ha

OOMep)KaHI1e JII1KBI1t(HOC'fl1 6b!JI OOJiyqeH

5 MapTa npOWJIOfO fOAa.

0ll.\aA6aHK, 6aJiaHC11pyJI B peHT11Hrax

aB'ropos MeMAy cpeAH11M 11 xoporn11M

ypOBHeM )KH3HeCnOC06HOCTI1, Ha 3TOT

pa3 OKa3aJICJI B rpynne B, HO B Heno­

cpet(CTBeHHOH 6JII130CTI1 K Jll1t(epaM.

KpynHei1umi1 rocyt~apcTBeHHhiH 6aHK

cTpaHhi, !-leCMOTpR Ha xopow11e noKa3a­

TeJII1 cp11HaHCOBOH noMep)KKH H Ka­

ni1TaJII13al\HJO, 11MeeT cpaBHI1TeJibHO

Page 8: >KH3Hecnoco6HOCTH yKpaHHCKHX 6aHI

60JJbWOH 06beM Hep a60411X aKTI1nOB.

B 2 0 15-M 6aJ-IK pec-r pyKTYPI13 11ponaJI

nHeWH11H ,1\0JJr no ,1\nyM nhmycKaM

enpoo6JJI1raL\11H 11 cy6op,!111I-111po­

naHHoro Kpe,1\11Ta Ha 0611\)'10 C)'MM)'

$ 1 ,3 MJJPA· B KOHL\e npowJJoro ro,[\a

Hal\110HaJJbHbi H 6aHK YKpa11I-Ibl owTpa­

cjlon3JJ 011\3,[1631-IK 1-13 3 MJJH rp11ne1-1

n cnH311 c nhiBOAOM Kani1TaJJ3 . B HEY

nO,[\Tnep,[111JII1, 4'1'0 31'0 6biJJa Tp3 1-1C3KL\11H

Ha $ 4 0 MJIH.

flp11naTE31-IK, COrJJaCHO pei1nll-lfOBOH

MeTOAOJJOrHI1 F o RBES, AeMoHc-rpHpyeT

xopow1-1e noK333TeJJH peHT36eJibHOC'I'H,

CI1C'I'e~11-10H 31-13'1HMOC'fl1 1-1 6ecnepe60HI-IO­

CTH Bbl llJJaT, 1-10 reHepHpyeT BbiCWHC pH­

CKH n o cpanHei-11110 c JIHAepaMH pei1n11-1ra

113- 33 npeBbJWeJ-IHH HOpM3THn3 M3KCH­

M3JibHOrD Kpe,!IHTOBal-11151 CnH331-ll-lbiX JIHL\:

4 5% npH Tpe6yeMbiX Hal\6aHKOM 10%.

KpoMe TOr'O, JIHAep 63HKoncKoro ceKTopa,

11p11BJieKaJOU~HH 6oJiee TpeTI1 ,[\en03HTOn

HaceJieH~IH c-rp3I-Ibl, 1-13 Ha4aJJO ,[\ei<36pJI

HMeJJ c paBI-111TeJibi-IO HH3K)'IO ,[\OC'I'3'1'04-

HOC'I'b K31lHT3JJa, llO'I'Pe6HOC'I'b B cjlopM11 -

p0BaJ-IHI1 ,1\0IIOJII-IHTeJi bl-lbiX pe3epBOB riO,[\

npo6JieMH)'IO 33,1\0JI)J(eHJ IOCTb 1-1 60Jiblli)'IO

33BI1C11MOCTb OT 1-13C'I'pOemiH BI<JJa,[\<111KOB.

fpynna C C )',1\0B JeTBOpHTeJibl-lbiM

yponHeM )J(l-131-IeCriOC06HOCTI1 COCTOI1T

113 <JaCTI-Ibi X )'Kpa11HCKI1X H p0CCHHCK11X

cPI1HyYpe)J(,llei-111 H. )l.JI H 3 TOH rp)'llllbl

xap3KTepHbi MeJ-Jee 6JiaronpHJITHoe

fPYnnAC

C04e'l'31-!11e cPI1HaHCOBbiX llOKa3aTeJieH

Ha,[\e)J<HOCTI1, HI13KI1i1 yponeJ-I b

nOAI-\ep)J(KI1 aKL\110HepoB 11!11-1 )J(e 6oJiee

nbiCOKOe ,[\3nJieHI1e reOilOJII1TH<JeCKHX

p11CKOn. EaHKI1 n OCHOnHOM HMeJOT

oTp11L\aTeJibH)'IO pei-rr36eJibHOC'rb,

np06JieMbl C TOKCI1'11-10CTbl0

Kpe,[IHTI-IOfO nopTcjleJIJI , MeHbWe

o6ecne<JeHbl JII1Kni1,[\HbiMI1 cpe,1\CTnaMI1.

HeKoTopbi e 113 HHX ycneJIH oJ<a3aTbCJI

n 1-IenpHJITHOM riOJIQ)KeHI1H C 1'0<!1<11

3 peHHJI PR- ai<TI1BHOC'rH.

Hanp11Mep, C6ep6m-IK Pocc1-111

n 1-JOJI6pe peWI1JJ CMeHI1Tb H33BaJ-111e

Ha C6ep6aHI<, nepoJITHO, c L\e!lbiO

,1\11C'I'aHL\11pOnaTbCJI OT CTpaHbl

noi1CXO,li)J(eHI1JI . Cpa3y )J<e noCJi e

3Toro O ll\3,1\63HI< 33JIBI1JI o TOM, 4TO

3TO H33 n3HI1e I-IapywaeT ero npana

111-!TeJIJJeKT)'aJJbHOH C06CTBeHJ-IOCTI1 .

EypHyio pe3KL\11 IO o611\eC'meHHOCTH

nbi3naJJ cpaKT pecp111-Iai-IC11pOn31-IHJI

flpOMI1 J-IBeCT6aHJ<a CO CTOpOHbl

HEY n p33Mepe 200 MJJH rp11ne1-1,

llOCI<OJibK)' KOHe<JHbiM 6eHecPI1L\11apOM

yi<p3111-ICKOH <<,1\0'11(11» JIBJIJieTCJI P<D.

EbiJII1 Tai()J(e CJJO>KI-IOCTH c roJJo­

conaHI1eM n K11enconeTe no nono,11y

,[\OKani1TaJJI13al\1111 M)'HHL\11 rlaJJbHOrO

EaHKa Xpell\aT11I< 33 C4eT ropO,l\CKoro

6 J0,1\)KeTa.

BMecTe c TeM n p11 ycJJOnHI1 aK:rl1nHoro

n J(JI JO<JeHI1JI aKL\HOHepon n npOL\eCC

,1\0Kani1TaJJI13al\1111 11 CJ-111)J(eHI1JI

noeHI-IOH HanpJI)J(eHHOCTI1 6aHKI1

rpynnbl C 11MeiOT nee W a HCbl )'!1)'4-

WHTb ri03 11L\1111 B CJie,[\)'1011\eM nblri)'CKe

peHTI1Hra, riOCKOJibl<)' nblriOJIHJIIOT CBOH

o6JI3aTeJi bC'I'Ba nepe,11 n i<JJaA411KaMI1.

B rpynne D OCTaJJC51 P latinum Ban k .

H ecMoTpJI Ha To 4TO H I-rreHcl1nHocTb

)J(aJJ06 OT p03 HI1'1HbiX I<JJI1eHTOn Ha

cPI1H3HCOnbi X cjlopyMaX riO nonO,[\)'

11 p 06JJeM C n03 npaTOM BaJJIOHibiX ,[\ell0-

311TOn n HOnOM [0,1\)' )'MeHbW11JJaCb, nee

)J(e «OC3AOK ocTaJJCJI>>. He cnoco6cTnyeT

nJJaTe)KJ-IOH pen)'Tal\11 11 6m11<a 11 pew e ­

HHe Xo3JIHCTBeHHoro cy,11a KHeB3

OT 24.12.2015 o TOM, ' ITO P latinum

B an k ,1\0mKeH nor-aci1Tb npocpo<JeHH)'IO

33,[\0JI)J(ei-!HOCTb no ,[\en0311THOH !111 1-1 1111

KOMI13HI111 «MTC- YKpa HH3» n p33Mepe

250 MJJH rp11BeH .

KpoMe cP3KTopa 6ecnepe6oi1HOCTI1

nblriJJaT, 1-13 peHTHHr 6aHKa nOnJJI151JIH

OTHOCI1TeJibHO HI13KI1e llOI<a3aTeJII1

np116biJibHOCTI1, JII1Kni1,[\HOCTI1

11 ,1\0CTaTO<JHOC'I'I1 I<arii1TaJJa, a Tai()J(e

3H3411TeJJbHOe npenbiWeHHe

HOpM3TI1na MaKC11MaJJbl-10f0 p33Mepa

I<pe,1111THOro p11c1<a no onepal\HJIM co

Cn513aHHbiM11 lii1L\3MI1. 0,1\HaKO 6aHK

np0,110JI)KaeT 06CJI)')J(I1naT b I(JII1eHTOn

11 ,[\OKarii1TaJJI1311pOnaTbCJI 3a C<JeT

cpe,11cT n 111-mecropon, yneJII14Hn

yc-ranHbiH 1<31111TaJJ Ha 360 MJJH

rp11ne1-1 - ,1\0 859,78 MJIH rp11neH n yreM

,[\OnOJIHHTeJibHOfO nblri)'CI<a 31<'-\HH. 4)

r--< T

AKntBbl, Kamnan, <P1-1Hpe3yllbTaT, .UonS~ Ha pbiHKe .D.onA Ha pbiHKe AonJ~ Ha pbiHKe .D.onA Ha pbiHKe

Ot8f{816 Ot8f2816 o'1T2tm's ~~~~~':;~ A~~~~~To/: ;~~~~~~% :~A.,"~% --~~--------------~ 53,4 3,9 -1608 1,9 2,0 0,6 6,8

7,5 1,1 -1603 0,4 1,5 0,3

6AHK XPEU\AT~K 9,3 -0,2 -341 1,2 0,9 0,2 0,5 128 5,2

BT66AHK 30,5 2,4 -15803 1,1 4,0 55 3,2

nPOM~HBECT6AHK 57,7 6,1 -6331 2,0 2,3 0,1 6,8 103 2,6

6AHK KPEA~T AHEnP 7,9 0,4 -599 0,9 0,7 0,2 0,6 52 2,8

ilAHHbiEo HoY,AYo,O<DV1 UV1AnbHbiE CAiiiTbl oAHKOB, PACYETbl FORBES

' PACYETHbir;l V1H)lV1KATOP nV1KBV1!lHOCTV1 no COCTO~HV110 HA 01.011016 (COOTHOWEH V1E CYMMbl_ CPE!lCTB B KACCE V1 OCTATKOB HA KOPC4ETAX BHoY K Oo~3ATEnbCTBAM oAHKA).

fPYnnA D

PLATINUM BAN K ----

AKTII1Bb1 , Kan111ran , <DIIIHpeJynbTaT, )].on A Ha pbiHKe .D,onS~ Ha pbiHKe .UonR Ha pbiHKe .D.onR Ha pbiHKe

ot8fz'81'6 ot8fz'816 o'1T22'01s ~~~~~':;:~ ~n~~~~o/: ;~~~~~~% ~~A~~:.% 7,2 0,3 -374 1,2 0,3 2,5 0,4

Kon~t~4ecrso noAPa3AeneHI-1~

64 4,0 !lAHHbiEo HoY,AYo, O<DV1UHAnbHbiE CAMbl oAHKOB, PACYETbl FORBES

' PACYETHbir;l V1H)lV1KATOP nV1 KBV1!lHOCTV1 nO COCTO~HV110 HA 01.01.2016 (COOTHOWEHV1E CYMMbl CPE!lCTB B KACCE V1 OCTATKOB HA KOPC4ETAX BHoY K 06~3ATEnbCTBAM 6AHKA)

<DEBPAJlb,2016 FORBES 47