RAEX (Expert RA) assigned a rating to OTP Bank at the ruA level. Bank stability and reliability
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By bank reliability we mean a set of factors under which the bank is able to fulfill its obligations, have a sufficient margin of safety in crisis situations, and not violate the standards and laws established by the Bank of Russia.
It should be borne in mind that it is impossible to accurately determine the degree of reliability of a bank solely on the basis of reporting, therefore the study below is indicative in nature.
Bank stability is the ability to withstand any external influences. Dynamics over a certain period may show stability (either improvement or deterioration) of various indicators, which may also indicate the stability of the bank.
Joint Stock Company "OTP Bank" is a large Russian bank and among them ranks 44th in terms of net assets.
As of the reporting date (November 1, 2019), the net assets of OTP BANK amounted to 168.86 billion rubles. Over the year, assets increased by 11.10%. The increase in net assets negatively affected the return on assets ROI indicator (data as of the nearest quarterly date, October 1, 2019): over the year, return on net assets fell from 2.71% to 1.73%.
For the services provided, the bank mainly attracts client money, and these funds are quite diversified (between legal entities and individuals), and invests funds mainly in loans, and more in loans to individuals (i.e. it is a retail loan).
OTP BANK is a subsidiary foreign bank.
OTP BANK - has the right to work with the Pension Fund of the Russian Federation and can attract its funds for trust management, deposits and savings for housing provision for military personnel; has the right to work with non-state pension funds that provide compulsory pension insurance, and can attract pension savings and savings for housing provision for military personnel; has the right to open accounts and deposits according to Law 213-FZ of July 21, 2014, i.e. organizations of strategic importance for the military-industrial complex and security of the Russian Federation; Authorized representatives of the Bank of Russia have been appointed to the credit institution.
A bank's liquid assets are those bank funds that can be quickly converted into cash to be returned to their depositor clients. To assess liquidity, consider a period of approximately 30 days, during which the bank will be able (or not be able) to fulfill part of its financial obligations (since no bank can return all obligations within 30 days). This "portion" is called the "estimated outflow." Liquidity can be considered an important component of the concept of bank reliability.
Brief structure highly liquid assets Let's present it in table form:
| funds in the cash register | 1 775 128 | (8.01%) | 1 923 229 | (6.78%) |
| funds in accounts with the Bank of Russia | 5 020 667 | (22.65%) | 3 236 600 | (11.41%) |
| NOSTRO correspondent accounts in banks (net) | 181 177 | (0.82%) | 158 158 | (0.56%) |
| interbank loans placed for up to 30 days | 9 573 491 | (43.18%) | 16 520 109 | (58.26%) |
| highly liquid securities of the Russian Federation | 5 618 213 | (25.34%) | 6 489 710 | (22.89%) |
| highly liquid securities of banks and states | (0.00%) | (0.00%) | ||
From the table of liquid assets we see that the amounts of funds on hand, NOSTRO correspondent accounts in banks (net), highly liquid securities of the Russian Federation, highly liquid securities of banks and states have changed slightly, the amounts of interbank loans placed for a period of up to 30 days have greatly increased, and have decreased significantly the amount of funds in accounts with the Bank of Russia, while the volume of highly liquid assets, taking into account discounts and adjustments (based on Directive No. 3269-U dated May 31, 2014), increased over the year from 22.17 to 28.36 billion rubles.
Structure current liabilities is given in the following table:
| deposits of individuals with a maturity of over a year | 22 896 455 | (26.04%) | 9 656 033 | (10.03%) |
| other deposits of individuals (including individual entrepreneurs) (for a period of up to 1 year) | 39 866 563 | (45.34%) | 54 198 975 | (56.30%) |
| deposits and other funds of legal entities (for a period of up to 1 year) | 20 745 358 | (23.59%) | 25 217 100 | (26.20%) |
| incl. current funds of legal entities (without individual entrepreneurs) | 13 522 336 | (15.38%) | 15 040 236 | (15.62%) |
| correspondent accounts of LORO banks | 401 218 | (0.46%) | 549 533 | (0.57%) |
| interbank loans received for a period of up to 30 days | 1 174 801 | (1.34%) | 2 809 367 | (2.92%) |
| own securities | 6 483 | (0.01%) | 1 081 | (0.00%) |
| obligations to pay interest, arrears, accounts payable and other debts | 2 840 506 | (3.23%) | 3 827 770 | (3.98%) |
| expected cash outflow | 17 852 630 | (20.30%) | 23 177 290 | (24.08%) |
During the period under review, what happened to the resource base was that the amounts changed slightly, incl. current funds of legal entities (without individual entrepreneurs), the amounts of other deposits of individuals (including individual entrepreneurs) (for a period of up to 1 year), deposits and other funds of legal entities (for a period of up to 1 year), correspondent accounts of LORO banks increased, obligations to pay interest, arrears, accounts payable and other debts, the amount of interbank loans received for a period of up to 30 days has increased significantly, the amount of deposits of individuals with a maturity of more than a year, own securities has significantly decreased, while the expected outflow of funds has increased over the year from 17.85 to 23.18 billion rubles.
At the moment under consideration, the ratio of highly liquid assets (funds that are easily available to the bank over the next month) and the expected outflow of current liabilities gives us a value of 122.34%, which indicates a good margin of safety to overcome the possible outflow of funds from the bank’s clients.
In correlation with this, it is important to consider the instant (N2) and current (N3) liquidity standards, the minimum values of which are set at 15% and 50%, respectively. Here we see that the standards H2 and H3 are now at a sufficient level.
Now let's track the dynamics of change liquidity indicators during a year:
According to the median method (discarding sharp peaks): the sum of the current liquidity ratio N3 and the expert reliability of the bank tends to grow significantly during the year, but over the last six months it tends to decrease, and the sum of the instant liquidity ratio H2 tends to increase during the year, however, over the last six months it has tended to decline slightly.
Other ratios for assessing the liquidity of the bank OTP BANK JSC can be seen at this link.
The volume of income-generating assets of the bank is 90.29% of the total assets, and the volume of interest-bearing liabilities is 66.38% of the total liabilities. However, the volume of profitable assets exceeds the average for large Russian banks (84%).
Structure income-generating assets currently and a year ago:
| Interbank loans | 30 873 491 | (22.80%) | 39 190 109 | (25.70%) |
| Loans to legal entities | 17 488 436 | (12.92%) | 18 456 992 | (12.11%) |
| Loans to individuals | 74 215 013 | (54.81%) | 84 034 567 | (55.12%) |
| Bills of exchange | (0.00%) | (0.00%) | ||
| Investments in leasing operations and acquired rights of claim | 3 807 391 | (2.81%) | 3 900 595 | (2.56%) |
| Investments in securities | 6 086 766 | (4.50%) | 8 963 769 | (5.88%) |
| Other income loans | (0.00%) | 177 456 | (0.12%) | |
We see that the amounts of Loans to legal entities, Loans to individuals, Bills of Exchange, Investments in leasing operations and acquired rights of claim have changed slightly, the amounts of Interbank loans, Investments in securities have increased, and the total amount of income-generating assets increased by 12.6% from 135.40 to 152.47 billion rubles
Analytics by degree of security issued loans, as well as their structure:
| Securities accepted as collateral for loans issued | 7 512 088 | (6.37%) | 5 746 890 | (4.53%) |
| Property accepted as security | 18 902 180 | (16.04%) | 18 649 487 | (14.69%) |
| Precious metals accepted as collateral | (0.00%) | (0.00%) | ||
| Received guarantees and warranties | 78 254 462 | (66.41%) | 81 694 579 | (64.37%) |
| - incl. loans to legal entities | 11 759 536 | (9.98%) | 12 581 384 | (9.91%) |
| - incl. personal loans persons | 74 215 013 | (62.98%) | 84 034 567 | (66.21%) |
| - incl. loans to banks | 22 332 161 | (18.95%) | 22 890 109 | (18.04%) |
Analysis of the table suggests that the bank focuses on lending to individuals, the form of security for which is mixed types of security. The overall level of loan security is insufficient to cover possible losses associated with possible non-repayment of loans.
Brief structure interest obligations(i.e. for which the bank usually pays interest to the client):
| Bank funds (interbank lending and correspondent accounts) | 1 576 019 | (1.60%) | 3 358 900 | (3.00%) |
| Legal funds persons | 32 496 332 | (33.01%) | 40 565 587 | (36.19%) |
| - incl. current legal funds persons | 14 143 963 | (14.37%) | 15 171 037 | (13.53%) |
| Deposits from individuals persons | 62 141 391 | (63.12%) | 63 724 207 | (56.85%) |
| Other interest-bearing liabilities | 2 240 293 | (2.28%) | 4 445 054 | (3.97%) |
| - incl. loans from the Bank of Russia | (0.00%) | (0.00%) | ||
We see that the amounts of Individual Deposits have changed slightly. persons, the amounts of legal funds increased. persons, the amounts of Bank funds (interbank loans and correspondent accounts) increased significantly, and the total amount of interest liabilities increased by 13.9% from 98.45 to 112.09 billion rubles.
You can consider the structure of assets and liabilities of OTP BANK JSC in more detail.
The profitability of sources of own funds (calculated from balance sheet data) decreased over the year from 9.98% to 5.11%. At the same time, return on equity ROE (calculated using Forms 102 and 134) decreased over the year from 12.93% to 8.74% (here and below the data are given in percentage per annum as of the nearest quarterly date).
Net interest margin decreased over the year from 13.07% to 10.15%. The profitability of loan operations decreased over the year from 18.87% to 15.40%. The cost of funds raised increased over the year from 4.80% to 4.98%. The cost of funds of the population (individuals) has changed slightly over the year since
At the beginning of November, Fitch Ratings raised OTP Bank's sustainability rating by one notch - from "B+" (substantially insufficient level of creditworthiness) to "BB-" (level of creditworthiness below sufficient).
Recently, OTP Bank has managed to achieve an increase in the profitability of business processes, reduce the cost of obtaining new funds, reduce credit losses, and create a good liquidity reserve.
Fitch experts note an increase in the level of capitalization of the bank, as well as the stability of the deposit base of the credit institution. All these factors positively influenced Fitch's decision to revise OTP Bank's rating.
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Among the factors that have a key positive impact on the rating, a high level of equity adequacy is noted (as of 06/01/2017 N1.0 = 16.8%, N1.2 = N1.1 = 13.0%, the minimum capital reserve allows to cover losses from impairment of at least 12% of the total loan portfolio), low concentration of active operations on objects of large credit risk (as of 06/01/2017, the ratio of large credit risks to assets less provisions was 3.6%) and a high probability of support from the parent bank. The agency notes a high supply of short-term liquidity (as of June 1, 2017, Lam’s ratio to raised funds was 18.7%, N2=123.8%, N3=188%), diversification of the resource base among final creditors and wide access to sources of additional liquidity. The rating is also supported by good coverage of operating expenses by net interest and commission income (214.3% for the first quarter of 2017). In addition, the bank’s stable competitive position in the Russian unsecured retail lending market has a positive impact on the rating (as of June 1, 2017, the bank ranks 25th in terms of personal loans in the RAEX (Expert RA) ranking).
The key negative impact on the rating is the low security of the loan portfolio (the coverage of the loan portfolio of individuals, individual entrepreneurs and legal entities by collateral excluding collateral of securities, sureties and guarantees amounted to 12.9% as of 06/01/2017), which is due to the bank’s specialization in unsecured consumer lending (on 06/01/2017 83.9% of loans in the retail portfolio are unsecured). In addition, as a negative factor, the agency notes the high level of overdue debt (21.7% of the retail loan portfolio as of June 1, 2017), caused, among other things, by the fact that the Bank stopped selling overdue debt in full and focused on collecting overdue debt in judicial procedure. Also, the reduction in the scale of the bank’s business had a restraining effect on the rating (for the period from 01/01/2015 to 06/01/2017, the volume of the retail loan portfolio decreased by 45.6%).
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The review of OTP Bank was carried out specifically to answer the question: is the bank stable from the point of view of its financial component and will the Central Bank revoke the bank’s license in the near future?
We analyzed all the key points that rating agencies evaluate when issuing a reliability rating for OTP Bank, including: analysis of financial indicators provided to the Bank of Russia, analysis of the ownership structure and key beneficiaries, analysis of the information field on the bank, including publications in the media and customer reviews jar.
Express analysis of OTP BankAs a “tester” of the review (in addition to the demo version), below you will find data on some of the financial indicators of the bank’s stability, which we use to assess the reliability rating of OTP Bank. The calculations are based on open data on the credit institution from the Bank of Russia website as of September 2017 (we update them when purchasing a review).
The bank is in the TOP 100 in terms of assets, ranking from 50 to 100. This is neutral from the point of view of the bank's reliability.
The share of problem loans in the total loan portfolio is 18.8%
The level of delinquencies in the bank's total loan portfolio is more than 2 times higher than the market norm of 7%, and noticeably higher than 10% - a level that experts already consider very negative for the bank. The value of the indicator should be interpreted as a very negative factor from the point of view of the financial stability of the bank.
The share of individual deposits in the bank's liabilities is 61%
The share of individual deposits in the bank's liabilities exceeds 50%, which is a negative factor from the point of view of the bank's reliability. State banks VTB24 and Sberbank have an indicator slightly above 50%, but for smaller credit institutions this can be a moderately negative factor in terms of their reliability.
Dynamics of raising funds from individuals over the past year - -0.9%
Over the past 12 months, the volume of funds of individuals in the bank (both on deposits and in current accounts) has remained almost unchanged. This is neutral from the point of view of the bank's reliability.
Return on assets level - 2.41%
The bank's profitability is similar to the "average temperature in the hospital." This means that the return on assets of a credit institution corresponds to the current norm of the banking market, which can be considered a moderately positive factor when analyzing a bank for reliability.
The size of the authorized capital is 2.8 billion rubles.
The bank's authorized capital is very large. This can be said by comparing the value with the minimum level of this indicator established by the Central Bank of the Russian Federation, 300 million rubles. The indicator can be interpreted as a moderately positive factor from the point of view of the bank's reliability.
Capital adequacy ratio N1 - 16.9
The Bank of Russia evaluates the financial reliability of each bank on the market. There are many indicators, but one of the main ones (if not the most important one) is the bank’s equity capital adequacy ratio N1.0. The Central Bank requires all banks to exceed 8%. In our case, the indicator value is much higher, which can be interpreted as a moderately positive sign from the perspective of assessing the bank’s reliability.
The share of interbank loans in the bank’s liabilities is 1.3%
The credit institution has a relatively low share of interbank lending in the structure of its liabilities: an indicator value below 10% can be considered low. This is neutral from the point of view of the bank's reliability.
The express review is a truncated version of the review and does not include an analysis of the bank’s owners, publications about the bank in the media, feedback from depositors and many other nuances that are important for the correct assessment of OTP Bank’s reliability rating.
- Summary
- Analysis methodology
- Chapter 1. Bank overview
- Chapter 1.1 General information
- Chapter 1.2 Organizational structure of the OTP-Bank group
- Chapter 1.3 History of the Bank
- Chapter 1.4 Ownership structure and businesses of key co-owners of OTP Bank
- Chapter 1.5 Top management and personnel changes
- Chapter 2. Reporting analysis
- Chapter 2.1 Analysis of audited IFRS statements
- Chapter 2.2 Conclusions from the analysis of IFRS reporting
- Chapter 2.3 Analysis of RAS reporting
- Chapter 2.4 Conclusions from the analysis of RAS reporting
- Chapter 3. Analysis of the information field
- Chapter 3.1 Analysis of reviews on Banki.ru
- Chapter 3.2 Analysis of publications in the media
- Chapter 4. Credit ratings
- Chapter 4.1 Ratings of international agencies
- Chapter 4.2 Ratings of Russian agencies
- Abbreviations table
- For those who are already clients of a credit institution
- Who is just planning to do business with a bank and open a deposit, or use an account in their business
- Those who are looking for reviews about OTP Bank are afraid of the revocation of the bank’s license and are looking for a structured professional analysis on this issue
- Is it possible to store more than 1.4 million rubles in a bank, covered by the DIA insurance claim?
- Who actually owns and runs the bank?
- Is OTP Bank resistant to financial turmoil in the banking sector and the economy as a whole?
Review of OTP Bank is ready in the basic version. After payment, we update it and send it to you.
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When choosing a bank to open a deposit, many primarily focus on the size of interest rates, forgetting to assess the stability of the financial institution. Of course, such a principle has a right to exist if the client invests an amount of up to 1.4 million rubles (the amount of the deposit insured by the state) and is mentally prepared in advance to revoke the bank’s license.
But not everyone is ready to worry every time they see in the latest news how the Central Bank is cleaning up the Russian banking system.
Therefore, when assessing where to invest your sweat and blood-earned money, today it is important to assess in advance how reliable the bank to which you want to entrust your savings is.
When choosing the most reliable bank for a deposit, many people usually rely on:
- - assessments of rating agencies;
- - customer reviews;
- - popular reliability ratings...
- 1. Unicredit bank
- 3. Rosbank
- 5. VTB
- 6. Citibank
- 7. Ing Bank (Eurasia)
- 8. Nordea
- 9. HSBC Bank
- 10. Credit Agricole
The Central Bank of the Russian Federation has created its own rating of bank reliability - a kind of unsinkable top. Officially, it is called the list of systemically important banks in Russia. Today it includes: JSC UniCredit Bank, Bank GPB (JSC), VTB Bank (PJSC), JSC ALFA-BANK, PJSC Sberbank, PJSC Bank FC Otkritie, PJSC ROSBANK, PJSC Promsvyazbank, JSC Raiffeisenbank, JSC Rosselkhozbank and PJSC CREDIT BANK OF MOSCOW.
It can be assumed that the Central Bank will not allow them to burst even in the most difficult times, since the Russian economy depends on their work.
(based on regulatory capital)
In reports about the revocation of licenses from banks, it is often indicated that the Central Bank of the Russian Federation punished the financial institution for the loss of capital. And, accordingly, this indicator can be considered one of the important criteria for assessing the reliability of banks.
The Central Bank uses certain methods to calculate the so-called “regulatory” capital of each bank. It is necessary to cover the negative consequences of various risks that banks take on in the course of their activities, as well as to ensure the protection of deposits, financial stability and stable operations of organizations.
Today, regulatory capital is the main tool for regulating bank activities by supervisory authorities. To assess the reliability of banks, the Central Bank of the Russian Federation introduced a special capital adequacy standard N1.0. It shows whether the bank can cover possible financial losses with its own funds.
The value of the capital adequacy ratio (N1.0) must be at least 8%. If this “reliability standard” becomes very low for any bank, then the Central Bank of the Russian Federation can revoke its license.
Where to find out the indicator values for a specific bankThe values of capital adequacy standards N1.0 of Russian banks can be viewed on the official website of the Central Bank of the Russian Federation in the 135th reporting form of credit institutions.
Top 100 banks by capital in 2020Below is a rating of Russian banks by the amount of regulatory capital, which also shows the values of the Capital Adequacy Standard N1.0 (data as of June 1, 2019). It can also be useful today to residents of Moscow, St. Petersburg and all of Russia who plan to open a deposit in any of the banks.
1. PJSC Sberbank of RussiaRegulatory capital - 4,399,459 million rubles.
2. VTB Bank (PJSC)Regulatory capital - 1,628,437 million rubles.
VTB is one of the largest and most reliable banks in Russia. In terms of capital volume, the size of assets and the amount of deposits of individuals, VTB is second only to Sberbank. See the conditions and interest rates of VTB deposits >>
3. Bank GPB (JSC)Regulatory capital - 765,465 million rubles.
Gazprombank is one of the most reliable banks in Russia. It was created to finance infrastructure projects in the oil and gas industry. Today Gazprombank offers clients a full range of banking products, including individual deposits.
4. JSC RosselkhozbankRegulatory capital - 476,246 million rubles.
5. JSC "ALFA-BANK"Regulatory capital - 411,129 million rubles.
6. PJSC Bank "FC Otkritie"Regulatory capital - 308,332 million rubles.
7. PJSC "CREDIT BANK OF MOSCOW"Regulatory capital - 267,721 million rubles.
PJSC "CREDIT BANK OF MOSCOW" has been operating in the Russian banking services market since 1992. Provides a full range of services for corporate clients and individuals. The bank's territorial network today includes more than 90 branches in Moscow and the Moscow region. ICD deposits >>
8. JSC UniCredit BankRegulatory capital - 208,360 million rubles.
UniCredit Bank is a commercial bank operating in Russia since 1989. Today he is a representative of the European banking group UniCredit in Russia.
9. JSC RaiffeisenbankRegulatory capital - 158,547 million rubles.
JSC Raiffeisenbank has been operating in Russia since 1996. It is a subsidiary bank of Raiffeisen Bank International AG. We provide a full range of services to private and corporate clients, residents and non-residents, in rubles and foreign currency.
Regulatory capital - 134,743 million rubles.
The All-Russian Regional Development Bank (RRDB) was created with active government participation. Today RRDB is a dynamically developing credit organization, a universal banking institution providing a full range of financial services.
(continuation)
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This rating is not the basis for unambiguous conclusions about the reliability of the organizations included in it. The information provided is for informational purposes only. The site website does not bear any responsibility for the consequences of any interpretation of this information and decisions made based on it.