Financial Sector Overview
Bank of Russia FINANCIAL SECTOR OVERVIEW
The Central Bank of the Russian Federation
BANKING SECTOR: KEY FIGURES
Active supervision and tighter regulation allowed to strengthen the health of the banking sector
Figure 10: In 2013-2018 more than 400 licenses were revoked
causing almost no impact on the banking sector's total assets
Figure 11: Banking sector profitability restored to record high levels
Corporate and retail loans, lhs
Loans YoY growth*, % rhs
60
10.3%
55
སྤྱ༗⪜བཻgāg
43.0
35
30
50 46.4
45
40
2.6%
1.12.15
1.03.16
I Profit, bln RUB, Ihs
ROA, rhs
Number of credit institutions, Ihs
Banking sector assets, RUB tn, rhs
ROE, rhs
16.8
1 400
15.2
1200
978
1000
800
600
400
41.6
200
0
2011
Т
2012 2013 2014 2015 2016 2017 2018 5m19
*423 banks and 44 non-banking credit organisations
Figure 12: Loans and deposits volume (RUB tn) and growth rates
112
92.9
1 200
96
994
80
1 000
867
64
800
8
467*
48
600
1.9
32
400
1.9 2
16
200
= = = ∞ 5 2 1
17
14
11
-1
0
0
-4
2013
2014
2015
2016
2017
2018 5m2019
1.06.16
1.09.16
1.12.16
1.03.17
1.06.17
1.09.17
1.12.17
1.03.18
1.06.18
*YoY, ccy adj. by credit institutions operating as of the reporting date
Source: Bank of Russia
1.09.18
1.12.18
1.03.19
1.06.19
I Corporate and retail deposits, lhs
Deposits YoY growth*, % rhs
Figure 13: Banks hold an acceptable level of capital under Basel III
Capital adequacy ratio, N1.0, %
11.7%
7.1%
14
15
14.2* 14.5* 14.5*
11
13.5
13.7
14
56.2
13.1
49.7
8 5 2
12.7
13
12
11
-1
10
-4
9
3 2
12.5
12.1
12.2
12.1
2012 2013 2014 2015 2016 2017
*excluding credit institutions under financial rehabilitation procedure
2018 1.05.19
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