Rating Loco Bank Expert Opinion. Which banks will come soon. Key positive moments

The Loco-Bank was founded in 1994 as a limited liability company with a group of businessmen to serve them by industrial and trading enterprises, as well as providing services to VIP clients - owners and top managers of these companies.

In 2003, a new strategic direction of the Bank's activities were identified - a small and medium-sized lending, which became the main target segment of the FININIST.

Since October 2004, a credit institution has been participants in the deposit insurance system.

In 2005, the Loko-Bank was transformed into a closed joint-stock company.

In the spring of 2006, the International Finance Corporation (IFC Corporation) acquired 15% of the Loco-Bank shares, and in the summer of the same year, the Scandinavian investment fund East Capital, specializing in investments in the Financial Sector of Eastern Europe and China, as well as one of the largest foreign investors at that time stock market RF, bought another 11% of the shares. The founders of the bank - Vladimir and Viktor Davydiki, Stanislav Boguslavsky, Alexander Zayonz and Andrei Kulikov - conducted significant preparatory work on finding and attracting investors for their credit institution.

Since 2007, Loko-Bank has begun to develop a retail product line, and since 2012 began close cooperation with SME Bank in the field of support for small and medium-sized businesses.

In the first half of 2016, the International Finance Corporation issued from shareholders. In its reporting under IFRS, Loco-Bank explained that the basis for the release of the shareholder was "the completion of the investment cycle constituting an average of 7-10 years."

In the first quarter of 2019, the Investfond East Capital also sold its stake in the Loco Bank due to the "End of the Investment Cycle". The share of investment fund (9.91%) bought back the bank itself.

As of October 1, 2019, the volume of net assets of the credit institution amounted to 100.0 billion rubles, the volume own funds - 16.1 billion rubles. At the end of the three quarters of 2019, the Bank demonstrates profit in the amount of 2.5 billion rubles.

Network of units:
head office (Moscow);
5 branches (St. Petersburg; Rostov-on-Don; Samara; Novosibirsk, Novosibirsk region; Ekaterinburg, Sverdlovsk region);
21 additional office;
18 operating offices.

Owners:
Stanislav Boguslavsky (together with the daughter of Yana Boguslavskaya) - 44.23%;
Mikhail Rabinovich - 14.78%;
Vladimir Davydik (together with the son of Ilya Davydik) - 11.10%;
Victor Danilov - 9.95%;
Andrei Severilov - 4.79%;
Veniamin Mezhibovsky - 4.05%;
Alexander Mineev - 1.20%;
own shares acquired (redefined) by a credit institution - 9.91%.

Board of Directors:Stanislav Boguslavsky (Chairman), Victor Davydik, Vladimir Davydik, Elliot Goyhman, Oksana Ishuk.

Governing body:Viktor Davydik (Chairman), Tatyana Gerasimenko, Irina Grigorieva, Andrei Lushin, Elena Portnigina, Natalia Shibowa.

Under the reliability of the Bank, we will understand the combination of factors in which the Bank is able to fulfill its obligations, to have a sufficient margin of safety crisis situations, not to violate the regulations established by the Bank of Russia and laws.

It should be borne in mind that only the basis of the reporting cannot be accurately determined by the degree of reliability of the bank, therefore the study below is approximate.

The stability of the bank is the ability to resist any external influences. Dynamics for a certain period can show stability (or improvement or deterioration) of various indicators, which may also indicate the stability of the bank.

Commercial Bank "Loko-Bank" (Joint Stock Company) is large russian Bank And among them occupies 61 place in assets-net.

At the reporting date (January 01, 2020), the value of the net assets of the bank of the Loco-Bank amounted to 117.08 billion rubles. Per year assets increased by 34.19% . Growth assets-net positively influenced the profitability of ROI assets: for the year, the profitability of assets-net has grown from 1.65% to 3.41% .

According to the services provided, the Bank is mainly attracts customer money, moreover, more funds population (i.e. in this sense is retail client). The bank specializes in investments in securities (investment bank).

Loco Bank - has the right to work with non-state pension fundscarrying out compulsory pension insurance and can attract pension accumulations and accumulations for the housing of servicemen; has the right to open accounts and deposits by law 213-ФЗ dated July 21, 2014 . Organizations with strategic importance for the defense and industrial complex and the safety of the Russian Federation; in a credit institution authorized representatives of the Bank of Russia appointed.

• Moody`s.: Long-term international recall (was B1.); The forecast is recalled (was positive);

Liquidity and reliability

The bank's liquid assets are those tools of the bank that can be quickly turned into funds to return to their depositor customers. To estimate liquidity, consider the period of about 30 days, during which the bank will be able to (or unable) to perform a part of the assigned financial obligations (Because all obligations can be returned within 30 days no bank). This "part" is called "intended outflow of funds." Liquidity can be considered an important component of the concept of reliability of the bank.

Briefly structure highly liquid assets Imagine in the form of a table:

From the table of liquid assets we see that the amounts of funds in the bank of Russia, highly liquid securities of banks and states have slightly changed, the amount of high-liquid securities of the Russian Federation has greatly increased, the amount of funds in the checkout, Corschetov NOSTRO in banks (pure), interbank loans, decreased. placed for up to 30 days, while the volume of highly liquid assets, taking into account discounts and adjustments (based on instructions No. 3269-from 05/31/2014), increased over the year with 16.83 to 28.64 billion rubles.

The proportion of highly liquid securities of the Russian Federation Pretty significant in highly liquid assets of the bank, which causes some suspicion. Probably, this can be explained by the investment nature of the Bank's activities.

Structure current obligations shown in the following table:

During the period under review, the resource base occurred that the amounts of the contributions of the FIZ. LIC with a period of over the year have changed, the other contributions of the physical liberty (including IP) (for a period of up to 1 year), deposits and other means of legal entities ( For up to 1 year), incl. The current funds of JUR.LIC (without SIP), the obligations to pay interest, the rational, payables and other debt, greatly increased the amount of interbank loans received for a period of up to 30 days, the amounts of their own securities decreased, the sums of the corsche of Loro banks have greatly decreased, while The expected cash outflow increased over the year with 7.80 to 33.62 billion rubles.

At the present moment, the ratio of highly liquid assets (funds that are easily accessible to the bank over the next month) and the alleged outflow of current obligations gives us the importance 85.17% What means insufficient reserve strength to overcome the possible outflow of customers, but the bank is large And so significant the outflow is unlikely.

In correlation, this is important for consideration of the standards of instantaneous (H2) and the current (H3) liquidity, minimum values which are installed in 15% and 50%, respectively. Here we see that the standards of H2 and H3 are now on sufficient level.

Now keep the dynamics of change liquidity indicators during a year:

According to the median method (grab of sharp peaks): the amount of the standard current liquidity H3 and expert reliability of the bank for year and last half tends to reduce, and the amount of the norm of instant liquidity of H2 for of the year tends to increase, but for the last half year tends to reduce.

Other coefficients for estimating the liquidity of the Bank KB "Loko-Bank" (AO) can be seen on this link.

Balance Structure and Dynamics

The volume of assets that bring revenues of the Bank is 92.07% in the total assets, and the volume of interest obligations is 79.47% In the total volume of liabilities. However, the volume of revenue assets exceeds average The indicator is large russian banks (84%).

Structure profitable assets Currently and a year ago:

We see that the amounts of loans to individuals, bills, investments in leasing operations and acquired requirements have changed slightly changed, the amount of investment in securities increased significantly, the amount of interbank loans, legal loans, decreased, and total amount Profitable assets increased by 39.9% C 77.06 to 107.79 billion rubles.

Analytics by degree of security loans issued, as well as their structure:

The specifics of the business of the bank is strongly connected with retail lending, which does not allow for assessing the degree of loans.

Brief structure interest commitments (i.e. for which the bank usually pays interest to the client):

We see that the amounts of JUR shall change slightly. Persons, deposits Phys. Persons, the amount of banks (MBC and Corschetov) increased strongly, and the total amount of interest obligations increased by 42.0% C 65.53 to 93.04 billion rubles.

Read more The structure of the assets and liabilities of the Bank of KB "Loco-Bank" (AO) can be considered.

Profitability

The profitability of sources of own funds (calculated on the balance sheet data) increased over the year from 8.33% to 17.20% . At the same time, the return on ROE capital (calculated in forms 102 and 134) increased over the year from 9.89% to 22.25% (here and below are data as percentage per annum on the nearest quarterly date).

Pure interest margin decreased over the year from 6.64% to 5.58% . The yield of loan operations decreased over the year from 18.60% to 16.62% . The cost of attracted funds has changed slightly over the year from 5.94% to 6.04% . The cost of attracted funds of banks increased over the year from 6.27% to 7.21% . The cost of the population (fiz.litz) decreased over the year from

KB Loko-Bank (AO) is a universal commercial bank founded in 1994. The Loco Bank provides a wide range of financial services: comprehensive service Small and medium-sized businesses, consumer lending, attracting funds into deposits, maintenance of wealthy customers and work in the securities market.

The bank is included in:

• TOR-60 banks in terms of assets on July 1, 2019 (according to RIA rating);
• Top-35 in size of net profit as of April 1, 2019 (according to banki.ru);
• Top-60 of the most reliable banks of the Russian Federation for 2019 (according to Forbes);
• Top-65 of the largest banks of the Russian Federation in terms of loan portfolio on January 1, 2019 (according to RIA rating);

The reliability of the Bank is confirmed at the international level the largest agency Fitch. Ratings (BB-), as well as the Russian rating agency ACRA (BBB +). Since 2004, the Bank has been a member of the Deposit Insurance System, and since 2014, the Bank Agency for Insurance Insurance Agency for Insurance Repairs to the depositors of other banks, which provides customers with an additional guarantee of the preservation of private contributions.

For 2015-2016, the Loko-Bank became the finalist of the Compensation Compensation Compensations to the depositors of problem banks three times.

In 2016, the Loko-Bank adopted an updated strategy and began the process of deep transformation of business processes, which provided the bank transition to a digital model focused on remote customer service. Also within the framework of the Strategy, the Loco-Bank adopted an investment plan for the development of IT infrastructure. The ultimate goal is to modernize the Bank in the medium term in the format of the IT company, the formation of the spectrum of products available in digital channels.

Loco-Bank has a wide network of offices, numbering more than 48 compartments in 21 regions Russian Federation. Bank customers are more than 290,000 individuals and more than 30,000 enterprises that represent dozens of industries of the Russian economy.

Participation international investment funds For more than 10 years, the Bank has been able to maintain high standards of corporate governance and risk management, as well as improved key business processes. The Loco-Bank continues to navigate the best world practices, and the annual indicators demonstrate the constant dynamics of the Bank's business development.

Main performance indicators for the 9 months of 2019 in accordance with international standards financial statements (IFRS):

• Clean interest income amounted to 4,1 billion rubles, having increased by 3,2% Compared to the same period last year.
• Net profit Grew by 2,1% Compared to the same period last year to 1,2 billion rubles.
• Net percentage margin remains at a consistently high level and is 6,3% .
• Operational income increased by 18,4% Compared to the same period last year and amounted to 6,8 billion rubles.
• Share clean commission income The structure of operational income remains at a steadily high level and is 30% .
• Total credit portfolio, minus evaluation reserve For expected credit losses Rose by 3,9% and amounted to 56,2 billion rubles.
• Capital adequacy ratio on Basel standards amounted to 20,3% .

Registration number: 2707

Date of registration by the Bank of Russia: 21.02.1994

Beach: 044525161.

Main State Registration Number: 1057711014195 (23.11.2005)

Authorized capital: 2 790 310 000 rub.

License (issue of issuance / last replacement) Banks with a basic license are banks that have a license in which the name "basic" is present. All other existing banks are banks with a universal license:
License to attract deposits and placement precious metals (14.09.2015)
General License for Implementation banking operations (14.09.2015)
Licenses

Participation in the Deposit Insurance System: Yes

In the first years of work, the Loco-Bank served the business processes of industrial and trading enterprises belonging to businessmen who organized him.

Since 2008, Loko Bank began working with individuals in lending. Today, within the Retail block, the Loco-Bank provides an extended range of banking products:

• Credit and debit cards;
• Mortgage and;
• and deposit programs;
• Insurance;
• Remote service services - Internet Bank and Privat-Banking.

Currently, the Loco-Bank refers to the category of universal credit and financial institutions that provide services to corporate clients, as well as working in the settlement segment of small and medium-sized businesses.

How many rumors will not appear in the near future: and that bank URALSIB Closed in 2020, and the bank home loan will soon close, and the Russian standard bank has already closed, and the Eastern Express Bank closes in 2020. Such conversations are rather a consequence of the unpleasant experience of the client in a bank than plausible statements.

Judging by the reviews and comments of users, banks are to blame, even if the client himself crossed the payment or signed a disadvantageous agreement with an overestimated loan percentage. Yes, banks enjoy financial illiteracy and self-identity of customers, but we will be honest: we yourself are to blame in our troubles.

How to understand that the bank closes

Often determine which of credit financial organizations Close, help leaks from the Central Bank of Russia, namely:

• news of the coming review of the license of financial organizations,
• rumors about the introduction of a temporary administration,
• reducing the rating of estimated agencies that directly submit to the Central Bank of Russia,
• problems to receive cash in ATMs and cash desks of financial organizations, etc.

The central bank as a megaregulator has much more levers of influence and forecasting tools than we are used to thinking. On the example of organizations that make up rating assessments can already be guessing the problems of the bank or the attitude of the Central Bank of the Russian Federation to it. Just so licenses do not deprive, this is preceded by clear events: bad reporting credit organizations, "holes" in balance, flight directors with capital capital, difficulties in receiving cash, etc. Therefore, when evaluating the possible bankruptcy of the Bank, estimate the likelihood of license revocation on the points specified above.

List of reliable banks for 2020

Below we give a forecast which banks will not close in 2020 in Russia. The list was based on the contributions of each bank, the network of branches, the volume of assets and issued loans. The rating will be useful, first of all, depositors to bank deposits.

Rating banks on assets:

1. Sberbank of Russia
2. Gazprombank
3. VTB 24
4. FC discovery
5. Rosselkhozbank
6. Alfa Bank
7. Bank of Moscow
8. National Clearing Center
9. UniCredit Bank

It is unlikely that the listed banks will be closed in the near future. Mergers are possible, but these banks probably will not come to the license. It is noteworthy that according to the rating of profit, the list of banks remains the same, with the exception of the National Clearing Center for Rosbank.

From this list is strong commercial Bank Alfa-Bank stands out, it is highlighted from the bank's leadership this year, there are no plans from the bank's leadership, besides, this bank is in the top three on the turnover of cash in ATMs - immediately after Sberbank and VTB.

Rating of banks on consumer loans:

1. Sberbank of Russia
2. VTB 24
3. Gazprombank
4. Rosselkhozbank
5. Bank of Moscow
6. Alfa Bank
7. Raiffeisenbank
8. Rosbank
9. CHF Bank
10. Eastern Express Bank

In this list we see loans issued to ordinary users for consumption. A mansion looks among the giants of the market Eastern Express. The bank closes or not in 2018 - we will live, we will see, we must carefully read credit and deposit treaties, to observe the financial statistics of banks, including the ratio of loans and attracted contributions.

Full list of banks

It is not easy to predict the closure of banks in Russia in 2020, a list of unreliable banks changes every 2-4 weeks. We share statistics, on the basis of which you yourself decide, the bank will go bankrupt in the near future or not.

Rating Reliability of banks in assets