According to results for the first half of 2012, the size
of the Russian credit card market has risen above the half-‐trillion mark -‐ it grew by 36% to 500.3 billion Roubles as of 1 July compared with the beginning of the year.
In 2012 the Russian credit card market grew by 82.5%, having exceeded the growth rates of 2011 (61.6%), and having exceeded twofold the total growth amount for the retail lending market (about 40%). As of 1 January, 2013 the total volume of the Russian banks’ credit card portfolio made up 671.3 billion roubles.
What do expect retailers and suppliers from 3 plSerge Rivet
Retailers in Russia have high expectations for their third-party logistics (3PL) providers. They expect 3PLs to help address infrastructure issues like a lack of warehouse space. Retailers also expect 3PLs to provide quality services with high reliability to compensate for poor supplier service levels. Additionally, retailers are taking over logistics roles traditionally held by suppliers and distributors. As a result, retailers want 3PLs that can provide solutions across Russia on a federal level, though few Russian 3PLs currently operate nationwide.
The document discusses Tine BA's sales and marketing strategy in Russia. It provides background on Arla Foods Artis LLC and the cheese and retail markets in Russia. It then details Tine's historical sales growth in Russia from 2005 to 2010, starting at 13.2 tons in 2005 and growing exponentially to a forecasted 455 tons in 2010, representing strong annual growth rates of 30%, 10%, and 13% in prior years. The document concludes by outlining Tine's global marketing strategy and adaptation plans for the Russian market, with the goal of further increasing Jarlsberg and Snofrisk sales in Russia.
The document provides a preview of the banking sector for the fourth quarter of 2011. It discusses the macroeconomic trends during Q4 including inflation, interest rates, and liquidity. It also outlines several policy actions by the RBI and government that could impact banks positively in the long run, such as proposed changes to banking laws and capital infusions into public sector banks. The outlook for the banking sector remains positive, with credit growth expected to be around 20% for many public sector banks.
Indian Banks Turning Titanic- flash september 2011atul baride
The document summarizes key extracts from the Reserve Bank of India's September 2011 monetary policy review. It discusses the global and domestic economic outlooks, inflation trends, fiscal imbalances, and performance of the banking sector. The RBI believes inflation will remain high in the near term and it is imperative to continue its anti-inflationary monetary policy stance. Bank credit growth is slowing while asset quality remains stable though pressures are building.
The document discusses Inmarko's plans to restructure its distribution network in four federal districts in Russia to double its sales by 2015. Currently, Inmarko has a 16.6% volume share of the growing Russian ice cream market. To achieve its goal, Inmarko will focus on penetrating the markets in the "western" regions to gain market share from competitors. This will be done by establishing owned warehouses and optimizing the transportation network between cities and within cities using both purchased and rented vehicles. Risks are assessed and appendices provide details on warehouse capacity needs, transportation costs analysis, and expectations for key accounts.
The Role and Development Perspectives of the Port of Riga on the Competing M...Liga Stala
The document discusses the role and development perspectives of the Port of Riga in the competing Eastern Baltic Sea region market. It provides:
1) An overview of the Port of Riga in 2010, noting it was Latvia's largest port by cargo turnover, handling over 30 million tons annually as a multifunctional port.
2) Details on the Port of Riga's role in the Eastern Baltic Sea region market for dry bulk, general, and liquid bulk cargos, where it competes with over 10 other ports along the eastern coast.
3) Information on the Port of Riga's connectivity through regular liner shipping services and hinterland rail connections to destinations like Minsk and Afghanistan.
The document discusses doing business in Russia, noting that Russia has a growing economy but also contradictions and risks that make it different than other markets. It highlights that private consumption is fueling economic growth and there is potential across industries like services, retail, and infrastructure. Personal relationships are important for success in Russia's business environment due to bureaucracy and a focus on testing rules.
In 2012 the Russian credit card market grew by 82.5%, having exceeded the growth rates of 2011 (61.6%), and having exceeded twofold the total growth amount for the retail lending market (about 40%). As of 1 January, 2013 the total volume of the Russian banks’ credit card portfolio made up 671.3 billion roubles.
What do expect retailers and suppliers from 3 plSerge Rivet
Retailers in Russia have high expectations for their third-party logistics (3PL) providers. They expect 3PLs to help address infrastructure issues like a lack of warehouse space. Retailers also expect 3PLs to provide quality services with high reliability to compensate for poor supplier service levels. Additionally, retailers are taking over logistics roles traditionally held by suppliers and distributors. As a result, retailers want 3PLs that can provide solutions across Russia on a federal level, though few Russian 3PLs currently operate nationwide.
The document discusses Tine BA's sales and marketing strategy in Russia. It provides background on Arla Foods Artis LLC and the cheese and retail markets in Russia. It then details Tine's historical sales growth in Russia from 2005 to 2010, starting at 13.2 tons in 2005 and growing exponentially to a forecasted 455 tons in 2010, representing strong annual growth rates of 30%, 10%, and 13% in prior years. The document concludes by outlining Tine's global marketing strategy and adaptation plans for the Russian market, with the goal of further increasing Jarlsberg and Snofrisk sales in Russia.
The document provides a preview of the banking sector for the fourth quarter of 2011. It discusses the macroeconomic trends during Q4 including inflation, interest rates, and liquidity. It also outlines several policy actions by the RBI and government that could impact banks positively in the long run, such as proposed changes to banking laws and capital infusions into public sector banks. The outlook for the banking sector remains positive, with credit growth expected to be around 20% for many public sector banks.
Indian Banks Turning Titanic- flash september 2011atul baride
The document summarizes key extracts from the Reserve Bank of India's September 2011 monetary policy review. It discusses the global and domestic economic outlooks, inflation trends, fiscal imbalances, and performance of the banking sector. The RBI believes inflation will remain high in the near term and it is imperative to continue its anti-inflationary monetary policy stance. Bank credit growth is slowing while asset quality remains stable though pressures are building.
The document discusses Inmarko's plans to restructure its distribution network in four federal districts in Russia to double its sales by 2015. Currently, Inmarko has a 16.6% volume share of the growing Russian ice cream market. To achieve its goal, Inmarko will focus on penetrating the markets in the "western" regions to gain market share from competitors. This will be done by establishing owned warehouses and optimizing the transportation network between cities and within cities using both purchased and rented vehicles. Risks are assessed and appendices provide details on warehouse capacity needs, transportation costs analysis, and expectations for key accounts.
The Role and Development Perspectives of the Port of Riga on the Competing M...Liga Stala
The document discusses the role and development perspectives of the Port of Riga in the competing Eastern Baltic Sea region market. It provides:
1) An overview of the Port of Riga in 2010, noting it was Latvia's largest port by cargo turnover, handling over 30 million tons annually as a multifunctional port.
2) Details on the Port of Riga's role in the Eastern Baltic Sea region market for dry bulk, general, and liquid bulk cargos, where it competes with over 10 other ports along the eastern coast.
3) Information on the Port of Riga's connectivity through regular liner shipping services and hinterland rail connections to destinations like Minsk and Afghanistan.
The document discusses doing business in Russia, noting that Russia has a growing economy but also contradictions and risks that make it different than other markets. It highlights that private consumption is fueling economic growth and there is potential across industries like services, retail, and infrastructure. Personal relationships are important for success in Russia's business environment due to bureaucracy and a focus on testing rules.
• Объем рынка за первые шесть месяцев 2012 года вырос на 8% (на 962 млрд рублей до 12,8 трлн рублей)
• Рост депозитов и средств на счетах частных лиц в первом полугодии 2012 года ускорился по сравнению с 2011 годом, преодолев замедление в январе-марте
• Бессменный лидер Сбербанк продолжил сокращать долю рынка. На 1 июля 2012 года она составляет 46,1%. С 1 января 2008 года доля Сбербанка упала на 6,1 процентного пункта
• В числе лучших по абсолютным и относительным показателям роста – активные участники рынка розничного кредитования, делающие ставку на фондирование в розничном сегменте.
Atlantis was a legendary island first mentioned by Plato that was destroyed by natural causes. Some theories place Atlantis in the Atlantic Ocean near Gibraltar or the Mediterranean Sea in front of the coast of Spain. The document also briefly mentions Lourdes water from apparitions of the Virgin Mary to Bernadette Soubirous and healing miracles at the Massabielle spring, as well as the Bermuda Triangle where some ships and planes disappeared supposedly due to supernatural causes.
Российский рынок кредитных карт агрессивно растет. Совокупная задолженность по кредитным картам по всей банковской системе за третий квартал выросла на 44,0 млрд рублей до 331,0 млрд рублей, то есть на 15,3%. В целом с начала года показатель увеличился на 103,4 млрд рублей или 45,4%.
Российский рынок кредитных карт в 2012 году вырос на 82,5%, превзойдя темпы роста в 2011 году (61,6%) и в два раза превысив общий показатель роста рынка розничного кредитования (около 40%). Общий объем портфеля кредитных карт российских банков на 1 января 2013 года составил 671,3 млрд рублей.Лидеры по абсолютному приросту - Сбербанк, "Русский стандарт" и ТКС Банк
Сегодня облигации ТКС - одна из самых интересных инвестиций. Cbonds Review побеседовал с Оливером Хьюзом, президентом ТКС Банка, — одним из тех, кто в 2007 году стоял у истоков строительства нового банковского бренда, а сегодня пожинает плоды этого предприятия.
Customers are becoming blind to traditional marketing interruptions. Creating relevant, engaging and valuable content, such as videos, whitepapers and blog posts, can help to capture their attention online. In this Digital Bites talk, Ian Miller, Search Director, at Crafted explains how to develop a content marketing strategy.
SugarCon 2013- Tips and Best Practices: Sugar importing basicsSugarCRM
This document discusses best practices for importing data into SugarCRM. It outlines the key steps as: [1] Prepare the data by cleaning, formatting, and adding any missing fields; [2] Configure SugarCRM to accept the data fields; [3] Test the import with a small sample first; [4] Ensure the date format matches between the import file and user settings; and [5] Import account data first before related contact data. The document also reviews SugarCRM's five step import process and options for advanced data loads with partners.
Российский рынок кредитных карт за 6 месяцев 2013 года вырос на 24,7% до 837,4 млрд рублей; рост в годовом выражении составил 67%. Тройка лидеров российского рынка не изменилась – по объему портфеля впереди Сбербанк, «Русский стандарт» и «Тинькофф Кредитные Системы».
Кризис не просто затормозил развитие рынка кредитных карт, но и уменьшил его в объемах. Если в начале 2009 года рынок превысил 200,0 млрд рублей, то через год сократился до 192,2 млрд рублей.
Перелом наступил в 2010-м. Весной мы увидели довольно быстрое увеличение совокупного портфеля кредитных карт. Во втором квартале он вырос на 3,4%, в третьем – на 7,7%, в четвертом – на 5,4%. В целом рост рынка составил 18,4%, что значительно выше уровня инфляции (8,8%), однако темпы изменения следует признать умеренными.
Безусловно, оживлению сектор должен быть благодарен государственным игрокам – Сбербанку и ВТБ24. В конце 2007 года ВТБ24 занимал всего лишь девятое место с портфелем 3,6 млрд рублей, а Сбербанк имел символический портфель на сумму 0,7 млрд рублей.
Как и предполагали аналитики «Тинькофф Кредитные Системы», в 2011 году рынок кредитных карт России развивается ускоренными темпами.
Совокупный портфель кредитных карт за первое полугодие вырос на 26,1% и достиг 287,0 млрд рублей. При этом во втором квартале рынок рос гораздо быстрее (на 39,5 млрд рублей), чем в первом (на 19,9 млрд рублей).
Российский рынок кредитных карт вырос за 9 месяцев 2012 года так же, как за весь 2011 год – на 60,3%; по итогам года рост может составить около 80%, а общий портфель – превысить 650 млрд рублей. ТКС Банк поднялся в рейтинге крупнейших по портфелю на 4-е место.
This presentation answers the question, What is Twitter? and explains the Twitter's true nature.
Practical tips on how to use Twitter are included. This is useful for people getting started, or professionals who are looking for tips on how to teach Twitter to team members and clients.
Российский рынок кредитных карт по итогам первого полугодия 2012 года впервые превысил полтриллиона, увеличившись к уровню начала года на 36% до 500,3 млрд рублей.
According to Q1 2013 results, the Russian credit card market grew by 11.4% to reach 747.5 billion Roubles (in Q4 it grew by 13.9%). The overall increase was 76.3 billion Roubles. In January–March Sberbank (+20 billion Roubles), bank Russian Standard (+15.8 billion Roubles) and Tinkoff Credit Systems (TCS Bank, + 7.3 billion Roubles) were leaders in terms of portfolio growth.
По итогам I квартала 2013 года российский рынок кредитных карт вырос на 11,4% до 747,5 млрд рублей (в IV квартале 2012 года на 13,9%). Абсолютный прирост составил 76,3 млрд рулей. Лидерами по росту портфелей в январе-марте стали Сбербанк (+20 млрд рублей), банк «Русский стандарт» (+15,8 млрд рублей) и «Тинькофф Кредитные Системы» (ТКС Банк, + 7,3 млрд рублей).
The document discusses employee benefits (EB) offered by Purple Cow, including life insurance, accident insurance, and health insurance. It provides details on the purpose and most common types of EB. It then summarizes the key benefits provided under Purple Cow's life, accident, and health insurance plans, noting that they provide enhanced death, disability, and medical benefits compared to most plans. Major advantages include providing life, accident, and health benefits together in one plan; paying a life insurance benefit or total permanent disability income if disabled rather than dying; paying benefits for accidental death or murder rather than just accidents; and providing the same benefits for dependents as employees.
The Russian credit card market grew 24.7% in the first half of 2013 to 837.4 billion roubles. Sberbank, Russian Standard Bank, and Tinkoff Credit Systems led the market in terms of portfolio growth and market share. These three banks increased their lead over other players in the market.
В 2013 году рынок кредитных карт России вырос на 47%, достигнув объема 990 млрд рублей. Вошедший в начале года в тройку лидеров ТКС Банк продемонстрировал рост портфеля на 54,2% до 74 млрд рублей.
The Russian credit card market grew 47% in 2013 to 990 billion roubles. Sberbank maintained its position as market leader, expanding its market share to 25.5% as its credit card portfolio grew 69.1% to 252.4 billion roubles. Market concentration continued to increase, with the top 5 banks now holding over 60% of the market. Growth slowed in the second half of 2013 due to tightened capital requirements and risk ratios by the Bank of Russia.
Bank Vozrozhdenie has experienced steady growth over 20 years of operations despite economic deceleration in Russia. It focuses on core banking products for corporate and retail customers, with an emphasis on servicing SMEs. The bank has a conservative risk profile, with 70% of its corporate loan portfolio in loans under RUB 750 million issued to 98% of its clients. It maintains a balanced assets and liabilities structure supported primarily by customer deposits.
Gcc banking sector shows strong first half resultsQNB Group
The GCC banking sector continued strong growth in the first half of 2012. The collective assets of the top 50 GCC banks increased 7.7% to $1.28 trillion. Profits were also up 5.4% to $12 billion. Growth was driven by expansion in loan portfolios, which increased 13.6%. Regional economic growth and avoidance of problematic financial instruments allowed GCC banks to perform well compared to European and US banks.
• Объем рынка за первые шесть месяцев 2012 года вырос на 8% (на 962 млрд рублей до 12,8 трлн рублей)
• Рост депозитов и средств на счетах частных лиц в первом полугодии 2012 года ускорился по сравнению с 2011 годом, преодолев замедление в январе-марте
• Бессменный лидер Сбербанк продолжил сокращать долю рынка. На 1 июля 2012 года она составляет 46,1%. С 1 января 2008 года доля Сбербанка упала на 6,1 процентного пункта
• В числе лучших по абсолютным и относительным показателям роста – активные участники рынка розничного кредитования, делающие ставку на фондирование в розничном сегменте.
Atlantis was a legendary island first mentioned by Plato that was destroyed by natural causes. Some theories place Atlantis in the Atlantic Ocean near Gibraltar or the Mediterranean Sea in front of the coast of Spain. The document also briefly mentions Lourdes water from apparitions of the Virgin Mary to Bernadette Soubirous and healing miracles at the Massabielle spring, as well as the Bermuda Triangle where some ships and planes disappeared supposedly due to supernatural causes.
Российский рынок кредитных карт агрессивно растет. Совокупная задолженность по кредитным картам по всей банковской системе за третий квартал выросла на 44,0 млрд рублей до 331,0 млрд рублей, то есть на 15,3%. В целом с начала года показатель увеличился на 103,4 млрд рублей или 45,4%.
Российский рынок кредитных карт в 2012 году вырос на 82,5%, превзойдя темпы роста в 2011 году (61,6%) и в два раза превысив общий показатель роста рынка розничного кредитования (около 40%). Общий объем портфеля кредитных карт российских банков на 1 января 2013 года составил 671,3 млрд рублей.Лидеры по абсолютному приросту - Сбербанк, "Русский стандарт" и ТКС Банк
Сегодня облигации ТКС - одна из самых интересных инвестиций. Cbonds Review побеседовал с Оливером Хьюзом, президентом ТКС Банка, — одним из тех, кто в 2007 году стоял у истоков строительства нового банковского бренда, а сегодня пожинает плоды этого предприятия.
Customers are becoming blind to traditional marketing interruptions. Creating relevant, engaging and valuable content, such as videos, whitepapers and blog posts, can help to capture their attention online. In this Digital Bites talk, Ian Miller, Search Director, at Crafted explains how to develop a content marketing strategy.
SugarCon 2013- Tips and Best Practices: Sugar importing basicsSugarCRM
This document discusses best practices for importing data into SugarCRM. It outlines the key steps as: [1] Prepare the data by cleaning, formatting, and adding any missing fields; [2] Configure SugarCRM to accept the data fields; [3] Test the import with a small sample first; [4] Ensure the date format matches between the import file and user settings; and [5] Import account data first before related contact data. The document also reviews SugarCRM's five step import process and options for advanced data loads with partners.
Российский рынок кредитных карт за 6 месяцев 2013 года вырос на 24,7% до 837,4 млрд рублей; рост в годовом выражении составил 67%. Тройка лидеров российского рынка не изменилась – по объему портфеля впереди Сбербанк, «Русский стандарт» и «Тинькофф Кредитные Системы».
Кризис не просто затормозил развитие рынка кредитных карт, но и уменьшил его в объемах. Если в начале 2009 года рынок превысил 200,0 млрд рублей, то через год сократился до 192,2 млрд рублей.
Перелом наступил в 2010-м. Весной мы увидели довольно быстрое увеличение совокупного портфеля кредитных карт. Во втором квартале он вырос на 3,4%, в третьем – на 7,7%, в четвертом – на 5,4%. В целом рост рынка составил 18,4%, что значительно выше уровня инфляции (8,8%), однако темпы изменения следует признать умеренными.
Безусловно, оживлению сектор должен быть благодарен государственным игрокам – Сбербанку и ВТБ24. В конце 2007 года ВТБ24 занимал всего лишь девятое место с портфелем 3,6 млрд рублей, а Сбербанк имел символический портфель на сумму 0,7 млрд рублей.
Как и предполагали аналитики «Тинькофф Кредитные Системы», в 2011 году рынок кредитных карт России развивается ускоренными темпами.
Совокупный портфель кредитных карт за первое полугодие вырос на 26,1% и достиг 287,0 млрд рублей. При этом во втором квартале рынок рос гораздо быстрее (на 39,5 млрд рублей), чем в первом (на 19,9 млрд рублей).
Российский рынок кредитных карт вырос за 9 месяцев 2012 года так же, как за весь 2011 год – на 60,3%; по итогам года рост может составить около 80%, а общий портфель – превысить 650 млрд рублей. ТКС Банк поднялся в рейтинге крупнейших по портфелю на 4-е место.
This presentation answers the question, What is Twitter? and explains the Twitter's true nature.
Practical tips on how to use Twitter are included. This is useful for people getting started, or professionals who are looking for tips on how to teach Twitter to team members and clients.
Российский рынок кредитных карт по итогам первого полугодия 2012 года впервые превысил полтриллиона, увеличившись к уровню начала года на 36% до 500,3 млрд рублей.
According to Q1 2013 results, the Russian credit card market grew by 11.4% to reach 747.5 billion Roubles (in Q4 it grew by 13.9%). The overall increase was 76.3 billion Roubles. In January–March Sberbank (+20 billion Roubles), bank Russian Standard (+15.8 billion Roubles) and Tinkoff Credit Systems (TCS Bank, + 7.3 billion Roubles) were leaders in terms of portfolio growth.
По итогам I квартала 2013 года российский рынок кредитных карт вырос на 11,4% до 747,5 млрд рублей (в IV квартале 2012 года на 13,9%). Абсолютный прирост составил 76,3 млрд рулей. Лидерами по росту портфелей в январе-марте стали Сбербанк (+20 млрд рублей), банк «Русский стандарт» (+15,8 млрд рублей) и «Тинькофф Кредитные Системы» (ТКС Банк, + 7,3 млрд рублей).
The document discusses employee benefits (EB) offered by Purple Cow, including life insurance, accident insurance, and health insurance. It provides details on the purpose and most common types of EB. It then summarizes the key benefits provided under Purple Cow's life, accident, and health insurance plans, noting that they provide enhanced death, disability, and medical benefits compared to most plans. Major advantages include providing life, accident, and health benefits together in one plan; paying a life insurance benefit or total permanent disability income if disabled rather than dying; paying benefits for accidental death or murder rather than just accidents; and providing the same benefits for dependents as employees.
The Russian credit card market grew 24.7% in the first half of 2013 to 837.4 billion roubles. Sberbank, Russian Standard Bank, and Tinkoff Credit Systems led the market in terms of portfolio growth and market share. These three banks increased their lead over other players in the market.
В 2013 году рынок кредитных карт России вырос на 47%, достигнув объема 990 млрд рублей. Вошедший в начале года в тройку лидеров ТКС Банк продемонстрировал рост портфеля на 54,2% до 74 млрд рублей.
The Russian credit card market grew 47% in 2013 to 990 billion roubles. Sberbank maintained its position as market leader, expanding its market share to 25.5% as its credit card portfolio grew 69.1% to 252.4 billion roubles. Market concentration continued to increase, with the top 5 banks now holding over 60% of the market. Growth slowed in the second half of 2013 due to tightened capital requirements and risk ratios by the Bank of Russia.
Bank Vozrozhdenie has experienced steady growth over 20 years of operations despite economic deceleration in Russia. It focuses on core banking products for corporate and retail customers, with an emphasis on servicing SMEs. The bank has a conservative risk profile, with 70% of its corporate loan portfolio in loans under RUB 750 million issued to 98% of its clients. It maintains a balanced assets and liabilities structure supported primarily by customer deposits.
Gcc banking sector shows strong first half resultsQNB Group
The GCC banking sector continued strong growth in the first half of 2012. The collective assets of the top 50 GCC banks increased 7.7% to $1.28 trillion. Profits were also up 5.4% to $12 billion. Growth was driven by expansion in loan portfolios, which increased 13.6%. Regional economic growth and avoidance of problematic financial instruments allowed GCC banks to perform well compared to European and US banks.
Bank Vozrozhdenie has over 20 years of history in Russia and is currently one of the leading banks in the country, ranked 28th by assets. It has a network of 142 branches across 21 Russian regions, serving over 63,000 corporate and 1.7 million retail clients. The bank focuses on lending to small and medium enterprises, mortgages, consumer lending, and fee income generation. Its key shareholders are Dmitry Orlov, Otar Margania, and JPM International Consumer Holding Inc.
Bank Vozrozhdenie has over 20 years of history in Russia and a management team that has largely been with the bank for over 15 years. It is ranked among the top 30 banks in Russia by assets and focuses on lending to small and medium enterprises, consumers, mortgages, and banking cards. The bank has a network of 149 branches across 21 Russian regions and over 800 ATMs. Its main shareholders include its Chairman and Board members who collectively own over half of the bank.
This document provides a landscaping report on financial inclusion in Russia. It discusses the demand for and usage of formal financial services in Russia, noting that remote, rural, older and lower-income populations face greater financial exclusion. It also examines the supply landscape, including banks, microfinance institutions, payment service providers and financial infrastructure/initiatives. Key challenges include expanding access to underserved areas, improving financial literacy and consumer protections, and determining the long-term impacts of recent legislation on financial inclusion. The report provides an overview of the evolving financial inclusion ecosystem in Russia.
This document provides a landscaping report on financial inclusion in Russia. It discusses the demand for and usage of formal financial services in Russia, noting that remote, rural, older and lower-income populations face greater financial exclusion. It also examines the supply landscape, including banks, microfinance institutions, payment service providers and financial infrastructure/initiatives. Key challenges include expanding access to underserved areas, improving financial literacy and consumer protections, and determining the long-term impacts of recent legislation on financial inclusion. The report aims to analyze opportunities and recommendations to further advance financial inclusion in Russia.
This document provides a landscaping report on financial inclusion in Russia. It summarizes that access to formal financial services has increased rapidly in recent years but remains unequal, with remote, rural, older and lower-income populations most excluded. It also notes initiatives to improve financial literacy and establish a financial ombudsman to strengthen consumer protection. The report then analyzes demand and usage patterns before examining the landscape of various financial service providers, infrastructure developments and challenges and opportunities to further advancing inclusion in Russia.
This annual report summarizes Bank Vozrozhdenie's performance and activities in 2006. Some key points:
- Bank assets grew 50% to 73.4 billion rubles, loan portfolio grew 73%, and equity grew 68% to 5.5 billion rubles.
- The bank continued expanding its branch network, opening 16 new offices including a branch and two mortgage offices. It also expanded its ATM network by 70 machines.
- The bank implemented a re-branding project to focus on values of being responsive, human, and dependable based on research of client preferences.
- Goals for the future include increasing market share in corporate and retail segments, upgrading technology systems, and
The document provides an overview of recent developments in the Russian internet sector:
1) Russia now has the largest internet audience in Europe, which is growing rapidly especially outside of major cities.
2) Online advertising and e-commerce in Russia are also growing significantly faster than the audience.
3) Local internet companies in Russia are reaching large scale and competing globally in some categories.
Superinvestor Conference, November 2009, Parisdbaranovsky
This document provides an overview of the private equity industry in Russia before and during the economic crisis. It discusses the state of the Russian economy and private equity market over the past year, the impact of the crisis on portfolio companies and private equity firms, and the evolution of new financial products. The presentation concludes that while the crisis hit most private equity portfolios hard, attractive investment opportunities now exist at low valuations and competition will be limited, allowing successful firms to generate high returns in the coming years.
Bank Vozrozhdenie has over 20 years of experience in banking and provides services to both corporate and retail customers. It focuses on core banking products and has a balanced approach to lending and funding. The bank has a large branch network concentrated in the Moscow region and has consistently grown its customer base to over 1.7 million retail clients and 63,400 corporate clients. It maintains a conservative risk profile for its loan portfolio, which is focused on SME lending and backed by collateral. Retail lending, particularly mortgages, has been the main driver of loan portfolio growth in recent periods. Stable deposit inflows fund the expansion of the loan book.
2012.06.01 gp bullhound research - russian internet updateEvgeny Gasnikov
The document discusses recent developments in the Russian internet sector:
- Russia now has the largest internet audience in Europe with over 51 million monthly users, and internet penetration outside of major cities is growing rapidly.
- Online commerce and digital advertising are increasing as audience monetization ramps up, though local challenges remain.
- Local internet companies continue to pioneer Russian-specific innovations, particularly in social media and logistics, and some have strengthened their leadership compared to international peers.
- Foreign investment in the Russian internet space has increased significantly in the past year, while domestic venture investment has also grown more sophisticated.
This annual report from Bank Vozrozhdenie provides an overview of the bank's performance in 2009. Some key points:
- Bank Vozrozhdenie is one of the largest banks in Russia with over 56,000 corporate clients, 1.5 million retail clients, and a branch network of 168 offices.
- In 2009, the bank had assets of RUB 145.6 billion and a loan portfolio of RUB 94.6 billion, maintaining its position as one of the leading banks in Russia, especially for lending to small and medium enterprises.
- The report discusses the bank's financial results, business lines including corporate banking, retail banking, cards, and financial markets, as well as its
Bank Vozrozhdenie is a leading Russian bank ranked 28th by assets that has operated since 1991. It focuses on lending to small and medium enterprises, consumer lending, mortgages, and banking cards. The bank has a network of 143 branches and 880 ATMs across 21 Russian regions, serving over 63,000 corporate and 1.7 million retail clients. The majority of the current management team has been with the bank for over 15 years. The main shareholders are Dmitry Orlov, Otar Margania, and JPM International Consumer Holding Inc.
The World Payments Report 2012 shows a healthy 7.1% gain in non-cash payments volume globally. But volume is only part of the story for the payments market, which is growing and changing in new and exciting ways. Payments continue to grow amidst volatility and increasing regulation, however the payments instrument mix is evolving fast and will never be the same.
The document discusses Bank of Moscow's strategy to develop financial literacy and stimulate population's financial activities over 5 years to help establish an International Financial Center in Moscow. The strategy focuses on expanding Bank of Moscow's client base through new socially-oriented financial services. It is estimated that implementing the strategy will double Bank of Moscow's individual deposit portfolio to 340 billion rubles by 2016 through initiatives like online advertising, a financial literacy metro train, centers and hotline, and co-branded credit cards. The overall cost of the 5-year strategy is estimated at 240 million rubles.
Bank Vozrozhdenie is a leading Russian bank ranked 28th by assets that has been operating since 1991. It focuses on lending to small and medium enterprises, consumer lending, mortgages, and banking cards. The bank has 146 outlets across 21 Russian regions and serves over 61,000 corporate and 1.5 million retail clients. Bank Vozrozhdenie is publicly traded on the MICEX stock exchange and its long-term credit ratings are Ba3 from Moody's and BB- from Standard & Poor's.
- Bank Vozrozhdenie is a Russian bank that has been in operation since 1991 and has grown to have over 1,700,000 retail clients and 63,400 corporate/SME clients.
- The presentation provides an overview of the bank's business model, which focuses on core banking products and building strong relationships with SME and individual customers.
- Recent financial results show continued growth in both loans and customer deposits, with a conservative risk profile primarily focused on lending to SMEs in the Moscow region.
Bank Vozrozhdenie has experienced steady growth over 20 years despite economic deceleration. It focuses on core banking products for corporate and retail customers. Recent results show growth in loans, deposits, and net income. The bank maintains a conservative risk profile with mostly working capital loans collateralized in the same currency as customer revenues.
Мобильное приложение ТКС Банка признано лучшим в России в обзоре DeloitteTinkoff Credit Systems
Международная консалтинговая и аудиторская компания Deloitte выпустила обзор мобильных приложений российских банков «Мобильный банкинг для смартфонов», в котором назвала мобильное приложение ТКС Банка лучшим в России.
Отчет также доступен на сайте Deloitte по ссылке http://www.deloitte.com/assets/Dcom-Russia/Local%20Assets/Documents/FSI_services/Mobile_banking_web.pdf
В I квартале 2012 года российский рынок кредитных карт вырос на 15%, совокупный объем портфеля достиг 422,9 млрд рублей. Новый лидер рейтинга, Сбербанк, увеличил отрыв, а пятерка крупнейших игроков растет быстрее рынка.
10% годовых на сумму остатка до 200 тысяч рублей на дебетовую карту теперь получают все Вкладчики. 5% годовых, на сумму остатка, который превышает 200 тысяч рублей.
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Российский рынок кредитных карт в 2011 году вырос на 61,6%. Совокупная задолженность россиян по кредитным картам по всей банковской системе увеличилась на 140,2 млрд рублей до уровня 367,8 млрд рублей. Лидером рынка впервые стал Сбербанк.
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This presentation is a curated compilation of PowerPoint diagrams and templates designed to illustrate 20 different digital transformation frameworks and models. These frameworks are based on recent industry trends and best practices, ensuring that the content remains relevant and up-to-date.
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McKinsey’s Digital Transformation Framework
Digital Transformation Compass
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Design Thinking Framework
Business Model Canvas
Customer Journey Map
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Unveiling the Dynamic Personalities, Key Dates, and Horoscope Insights: Gemin...
Russian credit card market, 2012
1. 26
July,
2012
Russian
credit
card
market,
2012
Market
size
as
of
Bank Portfolio,-billion-roubles Market-share
Sberbank 99,0 19,8%
01.07.12
Russian-Standard* 75,8 15,1%
500.3
billion
roubles
(+36%
VTB24 42,0 8,4%
Orient-Express 35,7 7,1%
versus
01.01.12)
TCS-Bank 33,6 6,7%
OTP-Bank 24,4 4,9%
Svyaznoy-Bank 23,9 4,8%
AlfaNBank 17,8 3,6%
HCF-Bank 14,9 3,0%
Rosbank 14,3 2,9%
Card
boom
According
to
results
for
the
first
half
of
2012,
the
size
of
the
Russian
credit
card
market
has
risen
above
the
half-‐trillion
mark
-‐
it
grew
by
36%
to
500.3
billion
Roubles
as
of
1
July
compared
with
the
beginning
of
the
year.
In
Q2
the
market
growth
rates
accelerated
to
18.3
%
compared
to
15%
within
the
first
three
months
of
the
current
year.
These
growth
rates
give
grounds
to
believe
that
we
will
surpass
2011
rates
of
growth,
when
the
total
card
porKolio
of
Russian
banks
increased
by
61.6%.
Trends:
-‐The
market
growth
rates
increased
from
15%
in
Q1
to
18.3%
in
Q2,
with
the
volume
reaching
an
amount
in
excess
of
500
billion
roubles;
the
growth
for
the
half-‐year
reached
36%;
-‐
Sberbank
seized
one
fiIh
of
the
market
having
increased
the
porKolio
to
almost
100
billion
roubles;
concentraLon
has
grown
–
the
5
top
players
control
57.2%
of
the
market
(according
to
results
for
Q1
–
55.7%);
-‐Based
on
the
results
for
the
second
quarter,
only
five
banks
in
the
top
20
have
increased
their
market
shares:
Sberbank,
Tinkoff
Credit
Systems,
Svyaznoy
Bank,
Alfa-‐Bank
and
Trust;
for
this
purpose
they
had
to
maintain
growth
rates
above
the
market
average;
one
of
the
leaders,
bank
Orient
Express
slowed
its
growth.
-‐According
to
the
results
of
the
half-‐year,
dramaLc
growth
of
market
share
was
demonstrated
by
Sberbank,
which
zoomed
into
the
lead
Q4
of
last
year
1
reaching
19.8%;
bank
Orient
Express,
Tinkoff
Credit
Systems,
Svyaznoy
Bank
and
Trust
also
increased
their
share
2. 26
July,
2012
Russian
credit
card
market,
2012
Finding
gear
As
of
1
July
2012,
in
terms
of
credit
cards
porKolio,
the
top
10
included
Sberbank
(99
billion
roubles),
Russian
Standard*
(75.8
billion
roubles),
VTB24
(42
billion
roubles),
Orient
Express
(35.7
billion
roubles),
Tinkoff
Credit
Systems
(33.6
billion
roubles),
OTP
Bank
(24.4
billion
roubles),
Svyaznoy
Bank
(23.9
billion
roubles),
Alfa-‐Bank
(17.8
billion
roubles),
Home
Credit
(14,9
billion
roubles),
Rosbank
(14.3
billion
roubles).
The
redivision
of
the
market
to
the
benefit
of
the
more
ac^ve
players
con^nued,
although
this
has
not
yet
affected
the
order
of
the
posi^ons
among
the
top
10
in
terms
of
porKolio
size
–
all
the
banks
have
retained
their
posi^ons
in
the
ra^ng.
The
second
half
of
the
top
20
saw
two
swaps:
Raiffeisenbank
rose
to
16th
place,
having
powered
past
bank
Avangard;
and
Trust
climbed
to
18th
place,
having
ouKlanked
MDM
Bank.
Four
banks
from
the
top
10,
succeeded
in
increasing
their
market
shares
in
Q2,
three
of
them
significantly:
Sberbank
–
from
18.1%
to
19.8%,
Tinkoff
Dynamics
of
credit
Credit
Systems
-‐
from
6%
to
6.7%,
Svyaznoy
Bank
-‐
from
4.2%
to
4.8%.
Alfa-‐
cards
porBolios,
billion
Bank
increased
its
market
share
from
3.5%
to
3.6%,
having
returned
to
posi^ve
growth
ader
shrinkage
in
Q1,
when
it
declined
from
3.7%
to
3.5%.
roubles
According
to
second
quarter
results
in
the
second
half
of
the
top
20
only
bank
Trust
was
able
to
boast
an
increment
to
its
share
–
from
1%
to
1.1%.
Banks 01.01.08 01.01.09 01.01.10 01.01.11 01.01.12 01.07.12
Portfolio Market6share Portfolio Market6share Portfolio Market6share Portfolio Market6share Portfolio Market6share Portfolio Market6share
Sberbank(of(Russia 0,7 0,4% 2,5 1,2% 8,3 4,3% 25,4 11,2% 63,0 17,1% 99,0 19,8%
Russian(Standard* 88,3 49,8% 70,9 34,5% 56,3 29,2% 49,5 21,7% 59,3 16,1% 75,8 15,1%
VTB(24 3,6 2,0% 12,0 5,8% 19,2 10,0% 24,8 10,9% 34,5 9,4% 42,0 8,4%
Orient(Express 0,0 0,0% 0,2 0,1% 1,5 0,8% 3,1 1,4% 23,1 6,3% 35,7 7,1%
TCS(Bank 0,7 0,4% 4,5 2,2% 4,9 2,5% 9,6 4,2% 21,2 5,8% 33,6 6,7%
OTP(Bank 5,0 2,8% 6,8 3,3% 6,9 3,6% 12,5 5,5% 19,1 5,2% 24,4 4,9%
Svyaznoy(Bank 0,0 0,0% 0,0 0,0% 0,0 0,0% 0,2 0,1% 12,4 3,4% 23,9 4,8%
AlfaLBank 5,3 3,0% 8,2 4,0% 8,6 4,5% 10,7 4,7% 13,6 3,7% 17,8 3,6%
HCF(Bank 20,9 11,8% 21,7 10,5% 16,6 8,6% 11,1 4,9% 14,1 3,8% 14,9 3,0%
Rosbank 2,9 1,6% 3,7 1,8% 3,5 1,8% 5,9 2,6% 11,2 3,0% 14,3 2,9%
Citibank 6,8 3,8% 10,7 5,2% 12,0 6,2% 12,9 5,7% 11,2 3,0% 12,2 2,4%
Credit(Europe 1,3 0,7% 2,9 1,4% 3,2 1,7% 5,2 2,3% 9,5 2,6% 10,4 2,1%
Moskomprivatbank 1,9 1,1% 3,4 1,7% 2,7 1,4% 4,2 1,8% 7,8 2,1% 8,3 1,7%
Renaissance(Credit 2,6 1,5% 5,2 2,5% 3,8 2,0% 4,1 1,8% 5,7 1,6% 7,8 1,6%
GE(Money(Bank 5,1 2,9% 7,1 3,4% 5,2 2,7% 5,0 2,2% 5,6 1,5% 5,5 1,1%
Raiffeisen(Bank 1,0 0,6% 1,9 0,9% 2,4 1,2% 2,8 1,2% 4,0 1,1% 5,5 1,1%
Avangard 6,7 3,8% 9,1 4,4% 6,1 3,2% 4,3 1,9% 4,2 1,1% 5,4 1,1%
Trust 1,0 0,6% 1,0 0,5% 0,4 0,2% 1,4 0,6% 3,7 1,0% 5,3 1,1%
MDM(Bank 4,1 2,3% 6,3 3,0% 6,6 3,4% 5,5 2,4% 4,6 1,3% 4,5 0,9%
Uralsibbank 1,0 0,6% 1,4 0,7% 1,5 0,8% 1,9 0,8% 3,1 0,8% 4,3 0,9%
Others 18,5 10,4% 26,3 12,8% 23,1 12,0% 27,6 12,1% 37,0 10,1% 49,9 10,0%
Total6 177,4 100,0% 205,8 100,0% 192,9 100,0% 227,6 100,0% 367,8 100,0% 500,3 100,0%
2
3. 26
July,
2012
Russian
credit
card
market,
2012
Shares
of
the
banks
in
the
credit
card
market
Sberbank&of&Russia&
Russian&Standard*&
19,8%&
23,8%&
VTB&24&
Orient&Express&
2,9%&
15,1%&
TCS&Bank&
3,0%&
3,6%& OTP&Bank&
4,8%&
4,9%&
8,4%& Svyaznoy&Bank&
6,7%& 7,1%&
AlfaLBank&
HCF&Bank&
Rosbank&
Others&
Due
to
the
aggressive
growth
of
these
banks,
other
players
have
to
put
up
with
losses
or
with
the
status-‐quo.
In
Q2
Russian
Standard
reduced
its
market
share
from
15.3%
to
15.1%,
VTB24
–
from
9%
to
8.4%,
Orient
Express
–
from
7.2%
to
7.1%,
OTP
Bank
–
from
5%
to
4.9%,
Home
Credit
–
from
3.4%
to
3%,
Rosbank
from
3.1%
to
2.9%.
The
movement
vector
was
changed
by
Alfa-‐Bank
and
Orient
Express
as
compared
to
Q1
–
if
the
former
is
again
increasing
the
market
share
ader
reduc^on
thereof
at
the
beginning
of
the
year,
the
lafer
went
in
the
red
in
terms
of
the
dynamics
of
the
market
share
ader
the
breakthrough
in
the
first
three
months.
3
4. 26
July,
2012
Russian
credit
card
market,
2012
2007 8944
Number
of
issued
cards
2008 9296
as
of
the
end
of
the
2009 8601
year,
thousand
units
2010 10047
2011 14500
In
Q2
among
20
banks
with
the
largest
card
porKolios
only
five
were
increasing
the
lending
faster
than
the
market
(18.3%).
These
were
the
banks
that
were
able
to
increase
their
market
shares
as
a
result.
Sberbank
increased
the
porKolio
by
29.1%
in
the
quarter,
Tinkoff
Credit
Systems
–
by
31,7%,
Svyaznoy
Bank
–
by
34%,
Alfa-‐Bank
–
by
19.4%,
Trust
–
by
29.1%.
In
absolute
terms
Sberbank
(plus
22.3
billion
roubles
per
quarter),
Russian
Standard
(11
billion
roubles),
Tinkoff
Credit
Systems
(8.1
billion
roubles),
Svyaznoy
Bank
(6.1
billion
roubles),
Orient
Express
–
5.2
billion
roubles
are
leading
in
terms
of
the
increment
of
their
card
porKolios.
MDM
Bank
is
the
only
one
among
the
twenty
to
reduce
the
porKolio
size
–
by
0.4%
to
4.47
billion
roubles.
The
size
of
the
credit
550%
card
market,
billion
500%
500,3%
roubles
450%
400%
367,8%
350%
300%
250% 227,6%
200,0% 192,2%
200%
171,3%
150%
2007% 2008% 2009% 2010% 2011% Q2,%2012%
4
5. 26
July,
2012
Russian
credit
card
market,
2012
Leaders’
equator
Subject
to
the
results
of
the
half-‐year,
Sberbank
stands
out
of
the
group
with
the
drama^c
growth
of
its
market
share
–
by
2.7
points
up
to
19.8%.
Having
increased
the
porKolio
to
almost
100
billion
roubles,
the
state
giant
has
occupied
the
fidh
part
of
the
market
and
secured
a
foo^ng
in
the
first
line
of
the
ra^ng.
Sberbank
succeeded
in
overtaking
the
market
leader
of
many
years,
bank
Russian
Standard,
in
Q4
of
the
year
2011.
Another
large
state
bank,
VTB24,
reduced
its
market
share
from
9.4%
to
8.4%,
while
maintaining
sufficiently
high
porKolio
growth
rates
–
21.8%
from
the
beginning
of
the
year.
But
considering
tough
compe^^ve
environment,
when
several
players
are
increasing
their
porKolio
simultaneously
at
priority
rates,
other
players
cannot
afford
just
to
keep
pace.
Despite
a
slow-‐down
in
Q2,
subject
to
the
results
of
the
en^re
half-‐year,
Dynamics
of
the
major
Orient
Express
succeeded
in
increasing
the
market
share
–
by
0.9
subpoints
players
during
the
year,
up
to
7.1%.
Tinkoff
Credit
Systems
increased
the
market
share
from
5.8%
to
6.7%,
Svyaznoy
Bank
-‐
from
3.4%
to
4.8%,
Bank
Trust
–
from
1%
to
1.1%.
The
billion
roubles
other
banks
from
the
top
20
have
remained
flat,
or
reduced
their
market
shares.
120,00
100,00
80,00
Sberbank
of
Russia
60,00
Russian
Standard*
VTB
24
40,00
Orient
Express
TCS
Bank
20,00
-‐
5
6. 26
July,
2012
Russian
credit
card
market,
2012
Impressive
are
the
growth
rates
of
the
ac^ve
large
players
of
the
credit
card
market
that
target
100%
increase
within
a
year.
Sberbank,
Orient
Express
and
Tinkoff
Credit
Systems
have
increased
their
porKolios
by
57.2%,
54.6%
and
58.6%
respec^vely
since
the
beginning
of
the
year.
In
absolute
terms
the
increment
of
the
porKolios
of
these
banks
made
up
36
billion
roubles,
12.6
billion
roubles
and
12.4
billion
roubles
respec^vely.
As
a
result,
the
concentra^on
in
the
credit
card
market
has
grown
–
as
of
1
July
five
largest
players
account
for
57.2%
of
the
market
(286.1
billion
roubles
from
500.3
billion
roubles).
Twenty
major
players
control
90%
of
the
market.
Svyaznoy
Bank
stands
apart
among
the
top
ten,
having
increased
its
porKolio
by
93.1%
up
to
23.9
billion
roubles
in
half
a
year
(7th
place
in
terms
of
porKolio
size).
Among
the
second
half
of
the
top
20
high
growth
rates
Change
of
posiNons
were
shown
by
Renaissance
Credit
and
Trust
–
by
36.1%
and
43.2%
in
half
a
among
the
top
10
year,
but
in
absolute
terms
this
is
rela^vely
moderate
–
growth
by
2.1
billion
roubles
and
1.6
billion
roubles
respec^vely.
1
2
Sberbank
of
Russia
3
Russian
Standard*
4
VTB
24
5
Orient
Express
TCS
Bank
6
OTP
Bank
7
Svyaznoy
Bank
8
Alfa-‐Bank
9
HCF
Bank
Rosbank
10
Ci^bank
6
7. 26
July,
2012
Russian
credit
card
market,
2012
Ader
the
period
of
stagna^on,
the
credit
card
market
picked
up
and
began
growing
fast
again
in
the
second
half
of
year
2010.
From
1
October
2010
to
1
April
2012,
within
a
year
and
a
half,
the
market
size
doubled.
In
2011
its
growth
made
up
61.6%.
The
results
of
the
first
half-‐year
of
the
year
2012
allow
for
hoping
that
the
last
year’s
growth
rates
will
be
exceeded.
The
Russians’
preferences
con^nue
shiding
increasingly
towards
credit
cards
as
a
more
technological
and
convenient
method
of
credi^ng.
Therefore,
the
credit
card
market
may
count
on
addi^onal
dividends
from
the
general
buoyancy
in
the
retail
banking
sector.
Note
(*):
The
management
of
the
bank
Russian
Standard
believes
that
the
bank
should
sLll
be
occupying
the
first
line
in
the
raLng
in
terms
of
the
size
of
the
credit
cards
porKolio,
since
some
of
the
“card
loans”
are
recognized
by
the
bank
in
accounts
45505
(Loans
and
other
means
extended
to
natural
persons
for
a
period
from
181
day
to
1
year),
45506
(Loans
and
other
means
extended
to
natural
persons
for
a
period
from
1
year
to
3
years),
45507
(Loans
and
other
means
extended
to
natural
persons
for
a
period
in
excess
of
3
years).
According
to
our
experts’
opinion,
a
classical
credit
card
is
a
call
loan.
For
the
purposes
of
the
raLng
we
take
into
account
the
sum
of
the
accounts
45508
Leaders
in
terms
of
(Loans
and
other
means
extended
to
natural
persons
on
the
on
call
basis)
and
45509
(Loan
extended
subject
to
lack
of
means
in
the
deposit
account
porBolio
growth
(“overdraI”)).
Top 20 in terms of Increment, Increment, Top 20 in terms of Increment,
absolute growth for billion Top 20 in terms of absolute growth billion absolute growth from billion
June, 2012 roubles in a year since July, 2011 roubles the beginning of 2012 roubles
Sberbank of Russia 7,48 Sberbank of Russia 57,47 Sberbank of Russia 36,02
Russian Standard* 3,91 Orient Express 26,89 Russian Standard* 16,49
TCS Bank 3,32 Russian Standard* 22,79 Orient Express 12,61
Orient Express 1,49 Svyaznoy Bank 20,07 TCS Bank 12,41
VTB24 1,13 TCS Bank 18,06 Svyaznoy Bank 11,51
Alfa-Bank 0,85 VTB24 12,47 VTB24 7,53
OTP Bank 0,82 OTP Bank 8,78 OTP Bank 5,21
SKB-Bank 0,79 Alfa-Bank 5,72 Alfa-Bank 4,17
Svyaznoy Bank 0,73 Rosbank 5,31 Rosbank 3,09
MTS Bank 0,63 HCF Bank 3,78 SKB-Bank 2,43
Trust 0,41 Renaissance Credit 3,37 Renaissance Credit 2,08
Renaissance Credit 0,38 Credit Europe 3,00 Sovcombank 1,67
Gazprombank 0,33 SKB-Bank 2,55 Trust 1,60
Rosbank 0,25 Sovcombank 2,46 Raiffeisen Bank 1,45
Open Bank 0,17 Trust 2,31 Uralsibbank 1,28
Raiffeisen Bank 0,16 Raiffeisen Bank 2,23 MTS Bank 1,25
Sovcombank 0,16 Uralsibbank 1,95 Avangard 1,24
Citibank 0,12 Moskomprivatbank 1,86 Citibank 1,09
Avangard 0,12 MTS Bank 1,55 Gazprombank 0,85
Pervomaisky Bank 0,11 Open Bank 1,51 Credit Europe 0,84
Total 23,07 Total 213,25 Total 116,50
7