俄罗斯金融产业分析（2006年至2009年）

Abstract

RNCOS' report “Russia Banking Sector Analysis (2006-2009)”, provides extensive research and objective analysis of the growing banking industry, their product quality, and services in Russia. This report helps clients to analyze the leading-edge opportunities critical to the success of the banking Industry in Russia. Detailed data and analysis help investors, financial service providers, and global banking players navigate the evolving market of banks in Russia.

Key Findings

• The state-controlled Banks enjoy the largest share in assets than any other type of banks in Russia. There were about 40.7% of share of assets in Russia in 2005.
• Russian banks assets grew 35%, with their capital increasing 40% a year during 2000-2005.
• Retail loan will drive the growth of retail banking in future.
• During 2005, household deposits remained a major source of growth in banking (credit) institutions resources.

Key Issues and Facts Analyzed

The research report also addresses the issues and facts that are critical to the success of banking business in Russia:

• How competitive is the market landscape of Banking Industry in Russia?
• How do the banks vary according to their regional set ups?
• How do the banks deploy their credits across sector?
• Nature of the services driving the Banking Sector in Russia.
• How do the demographic factors, personalized loans and demands by social classes drive the market?
• What are the various opportunities and challenges that exist in this industry?
• What are the prospective areas of investment for the banks in the near future?
• Which factors will lead to the growth of bankcards, loans and deposits in Russia?

Key Products Analyzed

Key products like Deposits, Credit Cards, Debit Card, loans and ATM facility are also analyzed supported by the facts like revenue and the market trends.

Key Players Analyzed

This section provides an overview, key facts and financials of several players like Sberbank of Russia, Bank of Moscow, Alfa-Bank, Raiffeisen Bank (Moscow), ZAO Citibank, MDM Bank.

Research Methodology Used

Information Sources

Information in this report has been sourced from namely, books, newspapers, trade journals, and white papers, industry portals, government agencies, trade associations, monitoring industry news and developments, and through access to access to more than 3000 paid databases.

Analysis Methods

The analysis methods include the following: Ratio Analysis, Historical Trend Analysis, Linear Regression Analysis using software tools, Judgmental Forecasting and Cause and Effect Analysis.

Table of Contents

1. Analyst View

2. Research Overview

3. Global Banking Sector - An Overview

• 3.1 Introduction
  • 3.1.1 Bank Deposits
• 3.2 Russia - In Global Context
• 3.3 Global Banking Industry Forecast (2007-2011)
  • 3.3.1 Banking Industry Growth Forecast (2007-2011)
  • 3.3.2 Retail Lending Market Forecast (2007-2011)

4. Eastern Europe Banking Industry

• 4.1 Bank Assets
• 4.2 Bank Loans
• 4.3 Bank Deposits

5. Russian Economy - An Overview

• 5.1 Financial System
  • 5.1.1 Banking Sector
  • 5.1.2 Insurance Companies
  • 5.1.3 Non-government Pension Funds (NPFs)
  • 5.1.4 Unit Investment Funds

6. Russian Banking Industry - An Overview

• 6.1 Russian Banking Sector
  • 6.1.1 Types of Banks
    • 6.1.1.1 State-controlled Banks
    • 6.1.1.2 Foreign Banks
    • 6.1.1.3 Intra-group Banks
    • 6.1.1.4 Diversified Banks
    • 6.1.1.5 Small & Medium-sized Banks (Moscow Region)
    • 6.1.1.6 Small & Medium-sized Regional Banks
  • 6.1.2 Top 10 Domestic Banks
  • 6.1.3 Top 10 Foreign Banks
  • 6.1.4 Top 10 Banks by Consumer Lending

7. Russia Banking Sector Performance

• 7.1 By Product
  • 7.1.1 Payment System
  • 7.1.2 Automated Teller Machines (ATM)
  • 7.1.3 Payment Cards
  • 7.1.4 Credit Cards
  • 7.1.5 Household Deposits
  • 7.1.6 Corporate Deposits

8. Industry Analysis

• 8.1 Key Drivers
  • 8.1.1 Automobile Loan
  • 8.1.2 Expanding Card Market
  • 8.1.3 Growing Retail Banking
  • 8.1.4 Consumer Banking
• 8.2 Opportunities
  • 8.2.1 Overseas Banks
  • 8.2.2 Underdeveloped Financial Services
  • 8.2.3 Automobile Industry
  • 8.2.4 Growth in Banking Services
• 8.3 Challenges
  • 8.3.1 Risk Factor
  • 8.3.2 Corruption & Red-tapeism
  • 8.3.3 Rules & Regulations Flaw
  • 8.3.4 Discrimination against Foreign Banks
  • 8.3.5 Credit Card Scams
• 8.4 Future Outlook (2007-2011)
  • 8.4.1 Current Account Deposits Forecast (2007-2011)
  • 8.4.2 Time & Savings Deposits Forecast (2007-2011)
  • 8.4.3 Net Interest Income Forecast (2007-2011)
  • 8.4.4 Net Margin Forecast (2007-2011)

9. Major Players

• 9.1 Sberbank of Russia
• 9.2 Bank of Moscow
• 9.3 Alfa-Bank
• 9.4 Raiffeisen Bank (Moscow)
• 9.5 ZAO Citibank
• 9.6 MDM Bank

List of Figures:

• Figure 3-1: Worldwide - Banking Deposits (in Billion US$), 2002-2006
• Figure 3-2: Worldwide - Banking Assets by Region (%), 2005
• Figure 3-3: Worldwide - Forecast for Banking Industry Growth (%), 2007-2011
• Figure 3-4: Worldwide - Forecast for Retail Lending Market (in Billion US$), 2007-2011
• Figure 4-1: Eastern Europe - Banking Assets (in Million US$), 2001-2006E
• Figure 4-2: Eastern Europe - Bank Loans (in Million US$), 2001-2006E
• Figure 4-3: Eastern Europe - Bank Deposits (in Million US$), 2001-2006E
• Figure 6-1: Russia - State-controlled Banks Share in Banking Sector Assets (%), 2005
• Figure 6-2: Russia - Foreign Banks Share in Banking Sector Assets (%), 2005
• Figure 6-3: Russia - Intra-group Banks Share in Banking Sector Assets (%), 2005
• Figure 6-4: Russia - Diversified Banks Share in Banking Sector Assets (%), 2005
• Figure 6-5: Moscow - Small & Medium-sized Banks Share in Banking Sector Assets (%), 2005
• Figure 6-6: Russia - Small & Medium-sized Regional Banks Share in Banking Sector Assets (%), 2005
• Figure 7-1: Russia - Number of Bank Cards Issued to Individuals (in Thousand), 2003-2005 & H1 2006
• Figure 7-2: Russia - Number of Bank Cards Issued to Legal Entities (in Thousand), 2003-2005
• Figure 7-3: Russia - Cashless Payments for Goods & Services (in Million US$), 2003-2005
• Figure 7-4: Russia - Share of Foreign Companies in ATM Market (%), 2005
• Figure 7-5: Russia - Market Share of Payment Cards (%), July 2006
• Figure 7-6: Russia - Market Share of Credit Cards (%), July 2006
• Figure 8-1: Russia - Share of Foreign Capital in Banks (%), Dec. 2006
• Figure 8-2: Russia - Forecast for Current Account Deposits (in Billion US$) 2007-2011
• Figure 8-3: Russia - Forecast for Time & Saving Deposits (in Billion US$) 2007-2011
• Figure 8-4: Russia - Forecast for Net Interest Income (in Billion US$), 2007-2011
• Figure 8-5: Russia - Forecast for Net Margin (%), 2007-2011

List of Tables:

• Table 3-1: Worldwide - Banking Industry Value by Asset (in Billion US$), 2001-2006E
• Table 3-2: Worldwide - Forecast for Banking Industry Value by Asset (in Billion US$), 2007-2011
• Table 5-1: Russia - Banking & Non-Banking Sector Assets (in Billion Ruble), 2005
• Table 6-1: Russia - Types of Banks & their Percentage Share in Capital, 2005
• Table 6-2: Russia - Top 10 Domestic Banks by Asset (in Billion US$), Oct. 2006
• Table 6-3: Russia - Top 10 Foreign Banks by Asset (in Million US$), 2005
• Table 6-4: Russia - Top 10 Banks by Consumer Lending (in Million US$), 2005
• Table 8-1: Russia - Forecast for Banking Sector (2007-2011)
• Table 9-1: Sberbank of Russia - Key Financials (in US$), Dec. 2005
• Table 9-2: Alfa-Bank - Key Financials (in Million US$), 2005
• Table 9-3: Raiffeisen Bank (Moscow) - Key Financials (in Thousand US$), 2005