Acting in Russia the procedures for financial rehabilitation of banks are often uncontrolled and ineffective, particularly because of the actions themselves of sanator. Such a conclusion on the financial statements of the domestic credit institutions for the first quarter of 2016 voiced by experts interviewed by the portal.<url>.
Financial results of activity of banks of the Russian Federation in January — March suggests that the level of overdue debt in loan portfolio of the restructured banks often exceeds 30%. So, the Bank of Moscow speaks; VTB group) the figure for April 1, was 36.5%, VUZ-Bank (rehabilitation deals UBRD) — to 36.8%. At NB “the trust”; which is the FK “Opening”, the delay is 43.2% of the loan portfolio, Mosoblbank (controlled by SMP Bank), 49.8 per cent.
Banks have “Solidarity” (before his rehabilitation was engaged in the Probusinessbank, Bank reference FG “life”, who lost his license in August of last year) and Tauride (sanitation conducts Bank IFC billionaire Mikhail Prokhorov) this indicator does exceed 70%. Note that if at the beginning of 2014 of reorganized credit institutions was only five, then at the beginning of this year their number already amounted to 30.
Analyst of information and analytical Department of the portal.<url> Alexander Kudryavtsev indicates that the recovery process is largely uncontrolled and ineffective in nature. “Non-obviousness criteria for Bank rehabilitation, assessment of the relative value of rehabilitation, it is unclear on the basis of what factors the controller selects which of the financial institutions subject to reorganization”, — says the expert.
In his opinion, the increase in delay and deterioration in the financial condition of banks subject to rehabilitation in General can be associated with the action of sanator. “Some banks take the opportunity and “throw” on the balance sheets of their banks ‘bad assets, keeping in mind that the rehabilitated banks can indefinitely to violate the norms of the Central Bank of the Russian Federation”, — says Kudryavtsev, adding that this brought the sanatory the “cheap” state funds are often used in the interests of the new investor.
The head of the Association “Russia” Deputy Anatoly Aksakov explained that the rehabilitated banks are often left out of the field of view of the Central Bank. “Paying Bank for the rehabilitation, the regulator has paid less attention to the performance of the rehabilitated Bank regulatory requirements. Naturally, this can lead to not entirely constructive action ozdorovitelny,” — said Aksakov portal.<url>.
According to both sides of the portal, the Central Bank must regulate banks ‘ fully and on an equal basis with healthy credit institutions. “The Bank of Russia must also develop control mechanisms already canyouseeme banks and prevent them from turning in the collections of the toxic assets of their sanatory, generating significant losses,” — said Kudryavtsev.
Meanwhile Aksakov adds that in Russia there are conscientious owners and managers of the banks who are willing to engage in self-rehabilitation wards of their banks, so the Central Bank would have to increase the number of sanctions.
