1.
.4‘;
V
‘ ‘ ; .’ E5. , 1,’) ‘u L. L
" { 7:" I I
n I ‘ J 3
IV 1<BapTaJ1 2014

2.
MeTop, oJ1or1/Is: l/ |CCJ'| efl, OBaHl/ IFI
l/ |ccJ1eg, oBaH14e ynoM14HaH1/1171 pocc14171cK14>< 6aHKoB B COLl, l/IaJ1bHb| X Mepma | 'lpOBOfl, l/IJ1OCb npm | 'lOMOUJ, l/I Cl/ ICTeMb| MOHI/ ITOpl/ IH| 'a 14 aHaJ1l/ ITI/ IKI/ I YouScan. |'| o14cK
ynoM14HaH1/1171 npomsaoqmncn no COLl, Mefl, l/Il7IHb| M pecypcam (cou, ceT1/1, ¢opyMb| , 6J10|'l/ I, Cal; ITb| OT3b| BOB 14 Apyrme). Flepmog, aHam/13a: 1 OKTF|6pF| — 31 g, eKa6psI 2014
roqa. O6'beKTOM MOHI/ ITOpl/ IH| 'a Bblcrynaror y| 'lOMl/ IHBHI/ IFI 49 6aHKoB c Hal/ I6OJ1bLUl/ IM KOJ1l/ I‘«leCTBOM ynoM14HaH1/1171 3a nepmoq. l/ I3 rpynnbu «BTE» npoaHam4314poBaHb|
y| 'lOMl/ IHBHI/ IFI I/ ICKJ1PO‘«ll/ ITeJ1bHO g, ouepHero 6aHKa «BTE 24».
L| ,em/1 I/ ICCJ1efl, OBaHl/ IFI:
— Bb| fl,eJ1l/1Tb Ton—49 Ha146oJ1ee o6cy>Kg, aeMb| >< pOCCl/ Il; ICKl/ IX 6aHKoB (no Konmuecray peJ1eBaHTHb| X ynoM14HaH1/1171);
— npoaecm aHam/13 OT3b| BOB noJ1b3oBaTeJ1e171 no OCHOBHb| M Hanpaanem/ mm pa6OTb| Aecnrm Ha146oJ1ee o6cy>Kg, aeMb| >< 6aHKoB 143 Ton—49;
B npou, ecce aHam43a 6b| J1b I/ ICKJ1PO‘«leHb| HepeJ1eBaHTHb| e y| 'lOMl/ IHBHI/ IFI (OMOHI/ IMb| c Apyrmx F|3b| KOB, C| 'laMHb| e ny6m4Kau,1414 po6oToB). Cpepm peJ1eBaHTHb| X
ynoM14HaH1/1171 aBTOpCKl/ IM coo6u. I,eH14sIM npmcaamaanacb cooTBeTcTByrouJ, asI TOHaJ1bHOCTb (| 'lO3l/ ITI/ IBHBFI, He| 'aTl/ IBHBFI, He171TpaJ1bHasI), a peTpaHcm4poBaHHbn71 KOHTeHT
(pe| 'lOCTb| , peTBl/ ITb| ) Mapmpoaancsu KBK Hel; ITpaJ1bHb| l;I. Ann 3Toro 6b| J1 I/ IC| 'lOJ1b3OBaH aJ1rop14TM aBToMaTw4ecKoro O| 'lpefl, eJ1eHl/ IFI TOHaJ1bHOCTl/ I YouScan 14
Bb|60pO‘-IHBFI pyln-«an npoaepka. Pacuer o6uJ,14>< noKa3aTeJ1e171 Mcnonbsyercsu Ha OCHOBBHI/ ll/ I Bcex ynoM14HaH1/1171 6aHKa, a KaTerop14aJ1bHb|171 aHam43 npoaoqmncn
I/ ICKJ1PO‘«ll/ ITeJ1bHO no aBTOpCKl/ IM OT3b| BaM. Ann Ka)Kfl, O|'O 6aHKa c noMouJ, bro cooTBeTcTByrouJ, ero nporpaMMHoro o6ecne'-lee-ms: 6bu1a creHep14poBaHa Bb|60pKa
ynoM14HaHw71, B paMKa>< KoTopo171 6b| J1 npoBeg, eH aHam/13 OTHOLUeHl/ IFI KJ1l/ IeHTOB no Kareropvmm.
B I/ ICCJ1efl, OBaHl/ ll/ I 3ap, e171cTBoBaHb| cJ1eg, yrouJ,14e Kareropu/114:
— o6cny)Kv| aaHv| e:oTHou. |eH14e coTpyg, H14KoB K KJ1l/ IeHTaM, pa6oTa oTg, eneHw71 14 6aHKoMaToB;
— Kpegvms OCTy| 'lHOCTb, BO3BpaT 14 yCJ1OBl/ IFI Od>OpMJ1eHl/ IFI;
— Ael'lO3VlT| >I: yCJ1OBl/ IFI, Bb|60p 6aHKa Ann Bknaqa, BneuaTJ1en-ms: npm paCTOp)KeHl/ ll/ I Aoroaopoa;
— aamo1'a: cm'yaLI,14sI c o6MeHoM Bamorbl, o6MeHHbu71 Kypc, O| 'paHl/ I‘«leHl/ IFI B Kaccax 14 6aHKoMaTa><;
— 6aHKoacKv| e Kaprbn: yCJ1OBl/ IFI npeg, ocTaBnen-ms: ycnyr no KapTaM, KOMI/ ICCI/ IOHHb| e | 'lJ1aTe)Kl/ I, pa6oTa Kapr 3a py6e>KoM.
V| ccneg, oBaH14e 6b| J1O npoBeg, eHo B 2 3Tana: Ha | 'lepBOM 3Tane 6b| J1l/ I OTO6paHb| 49 Ha146oJ1ee o6cy>Kg, aeMb| >< 6aHKoB B COLl, l/IaJ1bHb| X Mepma. Pe3yJ1bTaTb| (K0111/I‘«leCTBO
ynoM14HaH1/1171 14 pa3614BKa no TOHaJ1bHOCTl/ I) npeg, cTaBJ1eHb| B o6paTHoM nopsIg, Ke (OT 49—ro K1-My) B Bmqe p,14arpaMMb| c | 'Opl/ I3OHTaJ1bHb| Ml/ I 6apaM14. Ha BTOpOM
3Tane npo143Beg, eH 6oJ1ee rJ1y6oK1/1171 aHaJ1l/ I3 OCHOBHb| X KaTerop1/1171 6aHKoBcKI/1171 fl, eF| TeJ1bHOCTl/ I 1o Hal/16oJ1ee o6cy>Kp, aeMbI>< 6aHKoB, pe3yJ1bTaTb| KoToporo
npeg, cTaBJ1eHb| I/ IHAI/ IBI/ Ifl, yaJ1bHb| M cJ1a171g, oM Ann Ka)Kfl, O|'O 143 6aHKoB (OT 1o—ro K 1—My) c fl, aHHb| Ml/ I.
‘ VOUSCEFI >

3.
-F-— 1,» 1‘-= .r_I: :*-_: + : « , I'lL1.“i-'-‘_‘. 'I? <=-HLICI‘ m-= ~.4., m=_( '1"l‘r'i? '-'_h”~F"lk'A r-v-{s= L44_: :=;
‘ VOUSCBH’

4.
|'| o3Mu, MM 49 - 40
I I I
49 BocToHH6I171 3Kcnpecc Bank 26%, 1,058 47%;1,g13 27%; 1,099
48 }Orpa Bank 28%, 1,140 40%; 1,628 32%; 1,303
47 CKB BBHK 23%, 945 43%; 1,766 34%; 1,396
46 | '|po6M3Hec6aHK 25%, 1,100 51%; 2,244 24%; 1,056
45 }OHMac‘rpyM BBHK 27%,1,266 35%; 1,641 38%; 1,781
44 CMTM6aHK 33%, 1,580 47%; 2,250 20%; 958
43 BaHK BOA 17%, 830 71%; 3,466 12%; 586
42 BBHK ABaHra pp, 18%, 894 47%; 2,334 35%; 1,738
41 BaJrrM171cKM171 EBHK 31%,1,734 40%; 2,237 29%; 1,622
40 BBHK Bo3po>Kp, eHMe 29%,1,625 47%; 2,634 24%; 1,345
0 1,000 2,000 3,000 4, 000 5,000 6,000
Vouscan Ha Bcex aHanorMuH6|x rpa¢MKax (cnaMp,6| 4-11) oTo6pa>KeHo OTHOCI/ ITeJIbH0e M aficomomoe pacnpe, a,eneHMe ynoMMHaHMM Ka>KAO| '0 M3 6aHKoB no TOHaIIbHOCTl/ I. HanpMMep, y CKB BaHKa 3a
nepMop, o6Hapy>KeHo 23% no3M‘rMBH6|><ynoMMHaHMM, 43% Hefrrpanbublx M 34% Hera‘rMBH6|x, uemy cooTBeTcTByeT 945, 1766 M 1396 ynoMMHaHMM.

5.
39 P0ceBp06aHK
33 TpaHcKanMTaJ|6aHK
37 Sam 24
35 P0cT Bank
35 CM| '| Bank
34 Sam 3eHMT
33 M0cKOBcKMfi Kpep, MTH6Ifi Bank
32 )<aHT6I-MaHcMMcKMM 5aHK
31 COBKOM5aHK
30 Bank CaHKT-| '|eTep6ypr
, ,.%fi, scE
| '|o3Mu, MM 39 -
30
I“ F
-I51’-273:7!‘ -*m; mxna. ~t= < ‘ wn»-1:1:
:0 cm, ,1:-1 =1:mg;1: : nu-V’-pub; -y
-4.v‘I’-b-31.15 .1-1h’0xn. &-: - *4-V’-II-nut“
Al-‘£1’-jgyy -‘IWI91!,4U -1 ‘ Ll5‘V/ -)fi5gv4u
-81’-b-zsxcv .1-+1’9x: :m- ; ;V4u-3:51.’.
'L+‘I'-2p:1=1=L' . ~_'¥YD7:1:I= J.- zwl’-17224-1->
wilfirmu ! ¥¥‘1’1)§Y1'L1‘ :1-V/ -Ivar. “-~
'l= W-nu: -1-‘I-' ! !5:‘10Sn'£B‘ :1-93:72:11.1.
zx-»‘I4)p, :_-1.1 Aiflifixyg zw »; Vfi); -5y; -1:4
vUI‘: I4)p:1A§3‘ :1-vmsyx-LY. ’ ‘L‘V’-)fl5t7'l"
1,000 2,000 3,000 4,000 5,000 6,000 7,000 8,000
9,000

6.
29
28
27
26
I/ IHBec1'r0pr6aHK
TpacT Bank
BaHK POCCI/ IR
3W4-3:-BM-CM Bank
25 Ypam: cKMM BaHK PeKOHcTpyKu, MM M Pa3BM‘rMn
24
23
22
21
20
, ,.%fi, scE
A6c0moT Bank
| ’OHI/ IKpeAl4T Bank
MAM Bank
| '|eTp0KOMMepu, Bank
P0cr0ccTpa>< BaHK
| '|03Mu, MM 29 - 20
V V F
In‘? -2731.1-1-' = ';l: ‘X9g.7gx-I1
1:. v‘I4)r:1~. :1 1.1?I01!, L{$= ‘ 5- ntnlau
'1-‘~‘I4)r: :.4-‘I m; msz, .~w ': A‘r'fi2r: L$1=
'1-V‘? -)7:rAl-' : z3:‘? %1!, .-2:1 ; :V‘)¢9¢*L<
: v.&‘Y-um: -21 m‘. myn1m: - '; Vfi)r: L1w«
»n= w-on; -10 -‘I-*ms: :.m «#4»-: n=zr
-*I‘r¥nv: s-‘kl-' :1=H-‘II-‘n= !:>. ‘ :1-V/ g¢, Qp
zi-)‘: I’-7311/5.‘ xvmg-in-2». 1:47’-truth’
‘US$93.31’ =7:v? M=l1-5:1 ’45"'A’-1:7:-X1-1
. vL‘: I4)IJ1‘X5=‘ ~: .~; :'m---12--: --r.5'«'fi)n-sum
2,000 4,000 6,000 8,000 10,000 12,000
14,000

7.
19
18
17
16
15
14
13
12
11
BMH6aHK
MTC 6aHK
BaHK OTKp6ITMe
)<0yM KPEAMT Bank
OT| '| BaHK
5aHK PeHeccaHc
Pafi¢¢afi3eH Bank
BaHK CB93HOM
TMH6K0¢¢ 5aHK
, ,.%fi, scE
| '|o3Mu, MM 19 - 11
T F
-xi? !’-111.07.’! -‘ A-Tvifinx-1.v 7 »; .V'-zsnaw
-L-114101.. -‘n . ~.= mnnu1 'zV0¢7u-L1
'l= WIr! n‘7.'$= ‘ m‘u’9nn= I-x~ '1.~"1'-23.». -r. -.21
-H142:-17.7./ :1 . r1~‘Y-‘nun. -I-' :1-Vfirsflku
'11‘? -II-)1-2:1 ramp ":1!-‘L 'L‘V’-D‘! l7L1
'11‘? -151:7!‘ zlmxonprg. :yA'r'fi2nzv; <
'| "~‘5‘1I-11:26‘ 0.919127;-m1 :1-VM-31-11
-£‘rY-fill! " 1" 51:91?! 0:1-‘L5 7
:1-741422151!‘ xv? -‘or -1.1;‘ 7
5,000 10,000 15,000 20,000
-9'1’-Is1L'L=2«
25,000
30, 000

8.
10
P0c6aHK
Bank PyccKMfi C‘raHp, ap‘r
BaHK MOCKEb|
YpancM6
P0ccem: ><036aHK
| '|p0McB9366aHK
| 'a3np0M5aHK
, ,.%fi, scE
| '|o3Mu, MM 10 - 4
F
-1514)! 051:0 . ‘;: VI%-L71: l= ‘ 1:i’1'-11.131.11.11
: m‘. I4)¢= :;5.-'. - 5,-vxfipgm-7!
vumciygg-31 , -;mp1yzI= ).-
-I-H’-It -‘IL-1 0 .1: HI? »-Jruxl W1’/ '1’-21%-iv
2:014)’ vggul-' . <;mpa, g_u-' -I37’-)¢%y; q
-1-‘mp u-,4,‘ ,1.1}Ifiyv51u - ng, ;m: <
-»‘I'-n= n:71.- .1-my: -2:97 1W1‘: --: ..I: r1
5,000 10,000 15,000 20,000 25,000 30,000 35,000 40,000
45,000

9.
BTE-24
, ,.%fi, scE
gum-‘ : r3.. =1=i:
10,000
20,000
| '|o3Mu, M;| 3
30,000
F
_-‘; :}'/ /q: ‘ 3;, .3351
40,000
50,000
60,000
210%. -_~2., »‘2;. "z'
70,000
80,000

10.
H031/| L|, l/| ‘r'| 2
I I F
LAX
Anb<1>a 6aHK 3-3,174;-1 -_4:». ,_1;-3,1. 1,, -4'/ r.. .; ; ¢:», ,a. ._, _-, 1%, , . _z: <'. ,,»: ;:§: «;
("*: ElTscan) 0 10,000 20,000 30,000 40,000 50,000 60,000 70,000 80,000 90,000

11.
|'| o3ML; ,M; ; 1: HaM6onee o6cy>; <;I, aeMbI1‘i1 B COL| ,l/1aJ1bHb| X Mep, Ma
I I F
C6ep6aHK gwy‘ : _L, ;,€, .;; y_; _.1,_-9.‘/ /qr :13‘; .; ;;y 349%)-, ‘ 13 L; /;; g
"*@5can) 0 100,000 200,000 300,000 400,000 500,000

12.
AHaf| V|3 OT3b| BOB | '|Of| b3OBaT€f| €l‘/ ll | '|O KaT€FOpV| F|M

13.
IBb|50pKa Bcero yn0MMHaHM171 55°’°°°
100, 000
90,000
80,000
70,000
60,000
85,855 506,660
5°I°°° 73.185
40,000
30,000
‘*°I79" "°'2°’ 39.954
20,000 3°'°5" 28,802 27 967 6 6
I 2 , 40
10,000
An6¢a 6aHK BTB-24 | 'a3np0M6aHK | '|p0McB; I366aHK POCCeJ1bX036aHK YpancM6 Bank M0cKB6| EBHK PyccKM171 P0c6aHK c5ep5aHK
C‘raH, a,ap‘r
A/1;: r/1y6oKoro aHa/1M3a o'rHou. |eHM; I no/1b3oBa're/1eM no Ka'reropM; IM c | '|0MOLL| b|0 cneu, Ma/1bHoro nporpaMMHoro o6ecneHeHM; I 66;/1a co3,qaHa Bb|60pKa ynoMMHaHMM no Ka'reropM; IM A/1;:
Ka)KAO| '0 M3 10 HaM6o/1ee o6cy>K, qaeM6|>< 6aHKoB. Ha rpa¢MKe AaHHO| '0 c/1aM, qa o'ro6pa>KeHo coo'rHou. |eHMe B6|6opKM M o6u. |eM coBoKynHoc'rM ynoMMHaHMM. O61=eM B6|6opKM npMMepHo
coo'rBe'rc'rBye'r K0/1MHec'rBy aB'ropcKM>< ny6/1MKau, MM no/1b3oBa're/1eM (6e3 yHe'ra pe'rpaHc/1MpoBaHHoro KoH'reH'ra). AHa/1M3 aB'ropcKM>< ny6/1MKau, MM npo><o, qM/1 no 5 Ka'reropM; IM, onMcaHH6|M B
Me'ro, qo/1orMM Mcc/1e, qoBaHM; I, c onpe, qe/1eHMeM o'rHou. |eHM; I no/1b3oBa're/1eM M npMcBaMBaHMeM coo'rBe'rc'ray;0u. |e171 'roHa/1bHoc'rM Ka)KAOMy ynoMMHaHM;0. Ha c/1aM, qa>< 14-23 B o6paTHoM
FIOPFIAKE | '|O Ka)KAOMy I/ I3 TO| '|-10 6aHKOB OTO6pa)KeHO | '|pOL| ,€HTHOe pacnpege/1eHMe TOHaI'| bHOCTl/ I / |'| OMl/ IHBHI/ II‘/ /I B COL| ,l/ Ia/ |bHb| X MEAI/ Ia | '|O KaT€| 'Opl/ IFIM C | '|OMOLL| b|0 Kp/ |'OBb| X , qMarpaMMa><,
|'| pl/ I 3TOM L| ,l/ I¢pa BH/ Tpl/ I Al/ Ia| 'paMMb| COOTBETCTBYET a6CO/ IIOTHOMY 3Ha“| eHl/ HO KO/ ll/ I“| €CTBa / |'| OMl/ IHBHI/ II‘/ /I I/ I3 Bb|60pKl/ I | '|O ABHHOI‘/ /I KaT€| 'Opl/ II/ I.
‘ vouscan >

14.
% POCBAHK
Kpe/ J,l/1Tb| BaJ1;oTa
/ 11% 70/0773 14%
O6CJ1y)Kl/1BaHl/ Ie ,
52% 554 I 37% 3_ 8% 7% I, 232
I 79%
1 223 ‘
nfl. e"'03V‘T'= ' — BaHKoBcKMe KapTb|
7/ 3 10% 85% 77 11%
I 20%
( 681 j» 47% I 430 ,
. o
70% _ 42/0
075$ » I T.

15.
CTAHHAPT
® PyccKm'1
BAHK
Kpe, n,MTb| Ban+oTa
4% 5%
; O6cny>KMBaHMe 38% ~
53% ( 714 43% 6% 152 s
i "V 11% i _ 57%
2 017
, £|. e|'| O3MTbI T_T |5aHKoBcKMe KapTbl
16% 176% 83% 74 i6%
( 413 J 857 13* 33%
61%
78% Y
y F

16.
[ 6 ISHHK M06KBb|
KPe. !J. MTb| Ba/1+oTa
i_ 11% Mg“/0
( O6cny>KMBaHMe 38%
58% 4 697 J 31% xvi 507
V 29% 57%
1996 7
n5.e'''03V‘T'= ' 55% 6% BaHKoBcKMe KapTbl
18% , _ 19% V__5°/0
40%
( 955 ] Q 1204 1
7 — 55%
63%
1 7 if

17.
% YPAAQE BANK
Kpepynbn BamoTa
12% 5%
41% O6CJ'| y)Kl/ |BaH| /Ie 38%
6%
47% 57%
e 0/ 34%
O 0
.5.e"'03V1Tb' BaHKoBc| <vIe KapTb|
6%
%
38%
40%
56% 5 5%
vouscan I - -

18.
W?
POCCeAbXO35aHK
KPe. !J. MTb| Ba/1+oTa
10%
26% 7 23% A
, O6cny>KMBaHMe 33%
( 759 1 13% 249 u
’ 57%
51% 49% 2 522
n5.e"'03V‘T'>' 38% BaHKoBcKMe KapTbl
_ 8%
24% 26% 19% 7! K
C 899 J { 1041 1:»
50% 73%
» 2 W

19.
7-EL
l'| poMcBsI3b6aHK
KPe. !J. MTb| Ba/1+oTa
_ 9% 5%
11% A K
, O6cny>KMBaHMe
( 1 008 12% 45% 441 J
* ——— 50%
80% 14%
2 883
n5.e"'03V‘T'= ' 74% BaHKoBcKMe KapTbl
——— 20% ,4 , 13%
2 5%
4‘ 41% «
( 1 229 ,1 ( 1 788
46%
55%
2 . W

20.
l'é7‘.3l"iE’0i'il5:TI°. E*ll'(
Kpe, £|, l/1Tbl Ba/1+oTa
10% 4
'”' 25% '“ 22%
O6CJ'| y)Kl/ I Ba H Me
< 1 067 27% 8% 825 h
63% _ 8 4—v—
46% 2 241 53%
, £|. eI'IO3MTbI _ 46% BaHKoBcKMe KapTbl
20% V__ 16% A i7%
5/ 1 47°/ " 4
‘ 1 732 [J 0 Q 488 46%
64%

21.
€aTE2'-
Kpe, u,MTb| Ba/1+oTa
38%
34%
37% O6cny>Km3aHMe
( 3689 J 12% 1023 7* 29%
,2 ’* 63% A -
29% 1 677 20%
, £|. eI'I03MTbI 68% 68 BaHKo|3cKMe KapTbl
_ , _ 18%
°/
20 37%
1 2381 53% ( 3211
— _ 29%
43%
3” F

22.
n
. 7 . Anbcba-Banx
Kpe, a,MTb| Ba/1+oTa
5% 9%
'”' 11% '7'
4 O6cny>Km3aHMe
( 4822 ) 10% 56% 944 ) 35%
K 11%
84% 4
1037 I
, fl.e| '|03l/1TbI 4 5aHKOBCKl/ Ie KapTbl
79%
_12% 438%
43%’?
H 2176 J 51% 4 3950 1 41%
88 — V 45% —
5” F

23.
iv“)
CEEPBAHK
KPe. £I. MTb| Ba/1+oTa
_ 17% Hi 14%
/ O6cn )Kl/1BaHl/ Ie »
8% k y 39% ~
4 6 920 [J 13% 2 294
, 35% V ‘ H 0
47/0
3 409 23%
0
nfl. e"'03V‘T'= ' 64/° BaHKoBcKMe KapTbl
T—— 23% _, _
28%
I ‘ 38% r’
48% 10 239 ,1 Q 4 273 “,
7 29% '
34%
» % T.

24.
< vouscan)
YOUSCBHI MOHMTOPMHF COLIII/ |af| bHb| X MEAI/ Ia VI aHaf| l/| Tl/ |Ka
info@youscan. ru
skype: youscan
| '|pvIcoep, vIHm‘/ 'ITecb K HaM:
I'i¥I3
YKpavIHa: 04119 KvIeB, yn. Mem: Hvn<oBa 83—fl, , 04>. 608; (+38 044) 206 48 84
Poccvm: 121069 MocKBa, HOBI/ |HCKl/ ll‘/ ll 6yJ1bBap 12, 04). 17; (+7 495) 644 32 68