"Bhini": rakavimbika Rating. "Bhini" iri chepamusoro kuti mabhanga Russian

"Bhini" rakaumbwa muna 1993 sechinhu nhapwa pamahombekombe, uye ava chevanorwara vezvokutengeserana nemari avhareji saizi, ine richikurukura mapazi munyika dzakawanda Russian. Muna 2014 ayo mambure mari yakawedzera kashanu, richisvika mambure mari inopfuura mamiriyoni 69 emadhora (anopfuura mabhiriyoni 3.9 rubles). Rating "bhini" maererano rakavimbika, maererano Central Bank - nzvimbo rechi20 panguva kukura yesangano mabhiriyoni 413,2 rubles.

Kuwedzera

"Bhini" gumi adarika, iri kukura nokukurumidza, kutora danho iri dzinotevedzana svikiro kadikidiki mabhanga ari wokutanga Russian makumi maviri. Kunyanya zvine dambudziko akaonekwa zhinji muna 2014. Tsika zvemari awana dzinoverengeka yesangano, kusanganisira "remarara Credit Cards" (aimbova "Moscomprivatbank"), "remarara Murmansk". (Kumashure zita - JSC "DNB Bank") uye nemabhangi 'kuwedzera " Uyezve, 55% kuti yesangano iri zvachose mugove akapa zvakakodzera "Bin". Rating Organization somugumisiro kwakawedzera substantially.

The nepaitengwa zvinhu zvakabetsera diversification yacho mutengi nechigadziko, kuvandudza diversification ramambo uye kuvandudza mamiriro ezvinhu Consolidated boka tichitarisa zvinhu: maererano indekisi ichi kubhangi inoremekedzwa nzvimbo rechinomwe iri-Russian zvose kureva (musi 01/04/2015), rimwe gore kwokutanga - chete rechi40 nzvimbo.

Rating mabhanga: "Bin"

The zvoupfumi yave yekudyidzana reshuffled nechepamusoro Russian zvemari masangano. Kana vamwe vavo inoda rutsigiro rwakakura hurumende, ari "remarara" nekusiyana, akasimbisa nzvimbo. Uyezve, imwe portal simba Banki.ru nokuda nokukurumidza kubudirira zvikuru sangano rino kuzivikanwa kwayo Bank of Gore 2014. Akanga pamberi zvinozivikanwa hofori. Pakati pavo, "mari Bank", "VTB", "Gazprombank" uye dzimwe vadyidzani.

Nyanzvi Foreign yakataurawo kuti "Bin". Rating vanoongorora kubva Standard & Poor kuti unoenderana pachinzvimbo chevatatu «B». Ichi paakati rakanaka zvikuru mabhanga Russian, kufungisisa uye simba, uye yakananga njodzi kuri muna remunharaunda upfumi. Other zviratidzi:

• nzvimbo Third pakati chakavimbika kupfuura yezvokutengeserana Banks Russia (04.01.2015).
• 10 profitability (01.04.2015).
• 18 fung ari chepamusoro kuti "Interfax-100" (1st kota 2015).
• Yechi27 kukura nokururama guru (04/01/2015).

vaongorori 'Zvaifungidzirwa

Pakuunganidza zvinokosha yesangano, akacherechedza gore rakapera, zvinoisa mamwe njodzi. Bank vaongorori dzinoti "remarara" inzira mikana uye chisimba panguva imwecheteyo. Inogona pachena kuti mukuru ngozi kusangana, akapa yakawanda ukuru yesangano vawana uye nourongwa zvakare kuwedzera bhizimisi rwakashata pari kushanda mamiriro ezvinhu Banks Russia. Zvichakadai, ichiparara mamiriro mukati boka kunogona zvakakwana nopindirana kune mumwe uye iumbe sangano kuti kuchava mutambi simba pamisika pamwe mudanga refu mabhizimisi womuenzaniso uye unyanzvi simba kuti vaunze purofiti.

A akanaka ndechokuti vawana zvinhu dzinoenderana-kwenguva urongwa kusimbisa kumusika chinzvimbo "remarara" iri chitoro chidimbu uye diversification bhizimisi profile. Nemhaka vachangobva kuwana zvinhu chinzvimbo boka iri chidimbu kubva chitoro deposits kubva makasitoma akavandudzika. On 01.04.2015 "remarara" iri chepamusoro kuti mabhanga Russian panyaya chakarurama izvi 7th nzvimbo. Mukuwedzera, boka akakwanisa kupinda pamusika dzinoverengeka zvinokosha kumatunhu Russian. Mune ramangwana, bazi mambure inosvika 450 pfungwa Sale dzinopfuura 60 kumatunhu kuguma 2015 zvichitevera vakaronga kuvhara kuti va neudhadha madhipatimendi.

kuvimbika Rating

IA BankStars pamusoro migumisiro kukurumidza kuongorora mashoko zvemari basa PJSC "remarara" akavimbika kureva kuti "inogutsa". Maererano BankStars, tsika kunoratidzwa zvine mwero ngozi default mutoro yayo chikwereti uye depositors. Zvisinei, kutsiga kubhangi inonyatsoziva rwakashata kukura zvinhu.

liquidity

Inobva Kuongororwa pachiyero pepa maumbirwo PJSC "remarara", asi kureva sangano liquidity BankStars yavose sezvavakatarirwa sezvo mwero mukuru. Mhedziso dzinobva kugadzikana mari mu deposits uye ano pamahombekombe nhoroondo uye boka nemabhangi yakafanana tichitaura zvinhu. The kambani anokwanisa nechokwadi nenguva kuurayiwa yokudzoka nokuda kwezvikwereti, deposits kana munhu inobvira vasinganyatsooni imwe kunetseka Muchiitiko.

capitalization

Pakazosvika 2014, donongodzo kuwedzera padanho capitalization mari boka kusvika 13,05% yakafanira kuwedzera noumhizha, apo kuderedza Vhoriyamu yesangano pakati PJSC "Bin". Rating anogona kuripa yevanoda nezvinhu zvakadyiwa kunetseka rako pachako mari inofungidzirwa sezvo mwero mukuru.

The chatingatevedzera chikwereti Portfolio

Maererano nomushumo, bhuku nonoka zvikwereti "remarara" musi 01.01.2014 yokuvadzidzisa RUR 3.623.610.000. (2.63% of Portfolio), kuwedzera December 2013 kusvika RUR mamiriyoni 189.61. Urongwa Nokurasikirwa yakawedzera NZD 156.140.000. uye akaita nhau musi NZD 5.752.920.000. (4.17% of Portfolio). Kuvakwa bhangi reserves kuti zvinobvira nezvinhu pamusoro zvikwereti kufukidza kutira nonoka zvikwereti ane coefficient pamusoro 1,59. Panguva nhau musi wacho chikwereti Portfolio kunoratidzwa mugove zvishoma duku.

kukura zvinhu

A nzvimbo iri chepamusoro kuti "remarara" pakati vakwikwidzi / vadyidzani sei zvinhu zvinotevera.

zvakanaka:

• nokuwedzera mutengi nechigadziko uye kukura musika mugove;
• rutsigiro simba muchimiro guru jekiseni kubva shareholders;
• diversification of upfumi hwaro.

kunaka:

• yakakwirira kugarotamba ngozi kusangana zvine zvinhu kuwanwa muna 2014, uye ane hasha kukura nzira;
• simba profitability kubva kushandiswa, kunyanya nokuda simba kuita pamusoro Portfolio pakati unsecured chitoro zvikwereti, mukuru ngozi;
• tava kuderera macroeconomic kukura uye zvakaomarara anodawo mamiriro kuti mabhanga muRussia.

shareholders Major

Zvinotarisirwa kuti makuru shareholders - M. O. Shishhanov uye MS Gutseriev - achatsigira kukura "remarara" uye kupa guta guru zvakakwana kuita chinzvimbo kukura kunangwa. Muna 2011-2014 vakaita dzose aizomupa guta: mabhiriyoni 16.3 rubles muguta guru weDanho 1 uye mabhiriyoni 3.9 rubles muguta guru Danho 2.

Midziyo anazvo Shishkhanov Gutseriev neasiri bhengi sectors, yose mukwanisi bhizimisi "Bin". Zvikurukuru, mudyandigere mari uye makambani inishuwarenzi anazvo ne financier Shishkhanov rinogona Synergies, kupa vatengi misoro basa, ichiita kuwedzera mutengi chawo.

Capitalization uye profitability kuti PJSC "Bin"

The chikwereti Rating guru uye mari inozivikanwa se zvine mwero. Capitalization inopiwa zvikurukuru nokuda infusions ose shareholders zvakarurama. Kukoshesa zviratidzi sezvo mwero kwakavakirwa Masvomhu kuti rác reshiyo pasina kufungisisa yakabvumira kugadziriswa kwemutemo wekuita kuti diversification uye mumisasa ngozi vachava anenge 5.1% inotevera 18-24 mwedzi. kushurudzira Izvi zvinoenderana zvinotevera netarisiro:

• Kuwedzera yesangano 34% muna 2015 nokuda nenzvimbo pemahombekombe "kukura" uye "remarara Murmansk" (14%) uye makemikari kukura (20%).
• Capital jekiseni mabhiriyoni 10 rubles. muna 2015, pasinei nokuti bhiriyoni 6 rubles kare kugamuchirwa April.
• Zvakawanwa makuru (mabhiriyoni 1,5) kuburikidza issuance pamusoro kuchengetedzeka itsva kusimbisa mashoko "remarara Murmansk".
• Capital yemibairo anokonzerwa kwokutanga kuziva chinokosha boka "ACHIFAMBIRA".
• The kuderera mambure mubereko kumucheto kubva 4.3% muna 2014 kusvika 4% muna 2015 nokuda ndichifumira mari yokufambisa uye kwakawedzera makwikwi ari Russian rwezvemabhengi zvekutepfenyura.
• Net vanotaura - anenge 3,5% muna 2015-2016, tichienzanisa 2.1% muna 2012-2014 (avhareji ukoshi) nokuda kuparara hupfumi ezvinhu.

tarisiro

Muna 2014, kuwana "remarara" kuwana yemakambani vatengi kuwirirana. Ndiye chevanorwara zvemari private, saka pamusoro pake regai kushandisa zvirango US regulators uye European Union (kusiyana guru Russian mabhanga ehurumende-anazvo). Uyezve, kuwedzera kukura "remarara" akamutendera kushumira kurei vatengi. Somugumisiro, kambani yave kukwezvwa inoverengeka private uye voruzhinji makambani sezvo anokwereta uye depositors, izvo zvakaita nokusimbaradza kwayo vatengi chawo. ngozi anomukweretesa kune chokuita mapato kuongororwa sezvo mwero: mugove zvikwereti kune chokuita mapato chakaita kuti anenge 2,6% of chikwereti Portfolio (31.12.2014).

Munguva 2015-2016 gg. anoona simba purofiti "remarara" zviratidzo kubva akavhiyiwa somugumisiro akatarisirwa simba kuita ari mapazi eumambo unsecured chitoro zvikwereti uye makadhi. Profit kubva anodawo mabasa muna 2014 akanga akaipa somugumisiro inokosha zvekushandisa pamusoro kusikwa matura "Credit Bin Cards", akawana gore rakapera.

A zvakanaka chikonzero - guta guru pamutemo "remarara" chinotsigirwa munhu akaisa chikwereti ari uwandu bhiriyoni 12.7 rubles. On 01.04.2015 sangano guru reshiyo aiva 13.2%, izvo zviri kupfuura shoma pamwero 10% wakasiyiwa regulator.