For the stable operation of a credit institution, a balanced portfolio of loans and deposits is required. At the same time, in order to fulfill obligations to depositors in a timely manner, the bank requires a timely return of the loans granted.
However, not all domestic credit institutions can boast of such an ideal balance sheet. Our rating the most unreliable banks in Russia includes 10 credit institutions, in the portfolio of which the share of overdue debt is so large that it can lead to default.
Compiled on the basis of data from the RIA agency.
10. "Renaissance Credit", the share of overdue debts - 12.2%
The bank's activity as of September 1 is unprofitable. The size of the negative financial result is 1.2 billion rubles. As the quality of the bank's loan portfolio declines, leading rating agencies downgraded Renaissance ratings in 2014.
9. "MDM Bank", 12.5%
In addition to the high share of overdue debt in the portfolio, MDM demonstrates a loss from operations for 9 months in the amount of 1.3 billion rubles. Last year the bank topped the rating the most unprofitable credit institutions.
8. "Probusinessbank", 13%
A high share of NPLs in the portfolio characterizes this Russian bank as unstable. However, the ratings of Probusinessbank from Fitch as of 01.07.2014 were at BBB (stable). Meanwhile, in comparison with January, the share of overdue debt increased by 6%.
7. OTP Bank OJSC, 14.5%
The bank of the Hungarian OTP group shows an increase in problem debt in its portfolio - by 3% since the beginning of the year. At the same time, the ratings of international agencies characterize the bank as stable.
6. MTS Bank OJSC, 14.5%
In addition to the high share of overdue debts, the low reliability of the bank is evidenced by the fact that it was brought to administrative responsibility in 2013 for carrying out operations related to the violation by MTS Bank of anti-legalization legislation.
5. "Uniastrum Bank", 14.9%
Most likely, the troubled bank will end the year with a loss. As of September 1, the loss of Uniastrum amounted to 721 million rubles. Last year, the bank was taken over by the Central Bank of the Russian Federation because of the problems of its founder - Bank of Cyprus.
4. "Svyaznoy Bank", 14.9%
According to the results of the first half of the year, according to IFRS, the loss of Svyaznoy Bank is 3.8 billion rubles. This amount exceeds the loss of last year by one and a half times. The growth of losses was facilitated by the increase in provisions for provisions for overdue loans.
3. CJSC "Bank Russian Standard", 18.2%
Opens a list of the three most unreliable banks. Fitch's rating for Russian Standard was downgraded to A- at the end of last year, with a negative outlook, driven by the growth of bad assets in its loan portfolio.
2. JSC "KB Godem", 20.5%
The bank is part of the Life group, which also includes Probusinessbank. It is noteworthy that the same group includes Bank 24.ru, which has lost its license. For 9 months of 2014, the bank incurred a loss of RUB 29 million.
1. "MB Bank", 34.3%
The bank ranks 295th in terms of assets, while the share of bad assets in the portfolio has grown by 21.3% since January.Overdue loans of legal entities account for 64% of the total volume of loans. Such indicators make MB Bank the most unreliable in the Russian market.