As of November 1, 2019, the net assets of PJSC ROSBANK amount to 1.2 trillion. rub. The dynamics of net assets are positive; since the beginning of the year, the size of the Bank's net assets has increased by 10.8%. In particular, for last month net assets increased by 1%. The largest share of assets is occupied by loans to customers.

As of November 1, 2019, the volume of the loan portfolio (net) is 623.3 billion rubles. or 51.8% of net assets. Since the beginning of the year, the size of the net loan portfolio has increased by 49.1%, which is due to both an increase in lending volumes and an improvement in the quality of the loan portfolio, accompanied by the release of reserves. Over the past month, the increase in the net loan portfolio amounted to 9.7 billion rubles. As of November 1, 2019, the loan-to-deposit ratio is 81.1%. The structure of the loan portfolio is dominated by the retail loan portfolio (54.6%), while the corporate loan portfolio accounts for 45.4%. Since the beginning of the year, the corporate loan portfolio has decreased by 1.8%, while the amount of loan debt individuals And individual entrepreneurs grew by 145.2%. The quality of the loan portfolio is good; as of November 1, 2019, the share of overdue debt is only 4.7%. Since the beginning of the year, the volume of overdue debt has increased by 7.9%, but due to a higher rate of lending growth, the share of overdue debt in the loan portfolio decreased by 165.38 bp. Overdue loans legal entities is 11.4 billion rubles. or 3.8% of the corporate loan portfolio, the amount of overdue debt on loans provided to individuals is RUB 15.8 billion. (4.4% of the volume of loans to individuals). As of November 1, 2019, reserves for possible losses were formed at 5% of loan debt.

Share of interbank loans and deposits in net assets Bank - 18.3%. As of November 1, 2019, the Bank is a net lender in the interbank market. Volume of loans/deposits placed in foreign banks is 77.4 billion rubles. (35.2% of the interbank loan portfolio). Overdue debt on placed interbank loans and deposits is insignificant. Reserves for possible losses on funds placed on the interbank market are insignificant.

The securities portfolio accounts for 9.8% of net assets.

Since the beginning of the year, the amount of investments in subsidiaries and affiliates has decreased by 31.4%. As of November 1, 2019, the share of direct investments in the Bank’s assets is 2.3%.

Funding is based on customer funds (67.3% of liabilities). Since the beginning of the year, the volume of the deposit base has grown by 11.9% and as of November 1, 2019 amounts to 809.3 billion rubles. Including over the last month, the influx of customer funds amounted to 19.8 billion rubles. Among customer funds, legal entities account for 60.9%, individuals and individual entrepreneurs account for 39.1%. Since the beginning of the year, both the volume of funds from private clients and the volume of funds in accounts and deposits of legal entities have increased. Regarding funds corporate clients, then time deposits have a significant share here (57.1%). However, the majority of such deposits are placed for a period of less than a year.

As of October 1, 2019, ROSBANK PJSC earned 10.9 billion rubles. net profit, which is 17.7% more than the profit received a year earlier. Meanwhile, at the end of the reporting period, the Bank recorded a net loss from discontinued operations in the amount of 7 million rubles.

Behind reporting period The Bank's operating income amounted to RUB 35.8 billion. In the structure of operating income, net interest income accounts for 62.4%, and the share of commission income is 24.4%. Net interest income excluding provision for loan losses increased by 6.4% YoY. In the reporting period, reserves were formed in the amount of 4.2 billion rubles, while a year earlier there was a release of reserves. As a result, net interest income decreased by 19.5% year-on-year to RUB 22.4 billion. As of 10/01/2019, the net interest margin is 3.3%. Clean commission income Over the year, the bank's income increased by 30% and amounted to 8.7 billion rubles. The most stable income, net interest and commissions, covers the costs of supporting the Bank's activities by 139.2%. During the reporting period, the Bank recorded losses from transactions with securities available for sale. The Bank also incurred expenses related to the formation of reserves for other losses.

On a year-on-year basis, the Bank's operating expenses decreased by 18.4%. As of October 1, 2019, the ratio of operating expenses to net income (cost income ratio) is 62.3%, which is a normal value. As of 10/01/2019, return on assets is 1.2%. The return on equity is 9.7%, which limits the possibilities for capitalization of profits.

PJSC ROSBANK is one of the largest banks in Russia. Registered in 1993 under the name CB “Independence”, in 1998 it was renamed into CJSC AKB “Rosbank”, a year later it was transformed into an OJSC, and in 2014 into a PJSC.

Winner of many prizes and awards. It was included in the top ten most reliable banks according to Forbes magazine, and in 2015 it was included in the Central Bank of the Russian Federation list of 10 systemically important credit institutions in Russia.

The main shareholder is the French group Societe Generale. The bank owns branches in 70 regions of Russia and subsidiary banks in Belarus and Switzerland.

The bank's assets at the end of the year amounted to 880,706 million rubles. Thus, assets for the year decreased by 12.9%. Cash resources decreased noticeably: by 54,726 million rubles (53.2%). This happened due to a reduction in balances Money at the Central Bank Russian Federation by 62.7%. The share of interest-bearing assets in the total amounted to 91.37%, thus increasing by 2.12 percentage points compared to last year.

The bank's loan portfolio decreased by 8.1%. The total volume of the portfolio before the creation of the reserve amounted to 651,547 million rubles. At the same time, reserves created for loan impairment decreased by 15.4%.

The bank's return on assets reached 2014 levels. Thus, on reporting date the shareholder has 33 kopecks from 1 ruble of assets.

The return on assets reached 5.4%, which is 0.18 percentage points more than last year.

The bank's liabilities decreased by 15%. The company's subordinated debt decreased noticeably: by 18,409 million rubles. The share of interest liabilities decreased by 0.37 percentage points. As of the reporting date, it amounted to 98.13%.

The total volume of the bank's deposit portfolio amounted to 461,893 million rubles, which is 10.6% less than last year's result. The main holders remain corporate clients.

The cost of liabilities, as well as the return on assets, increased slightly: by 0.14 p.p.

Own capital increased by 2.5%, or by 3,057 million rubles. The main reason was the reduction in hedging losses cash flows.

Rosbank is one of the most stable banks in terms of 1st order capital adequacy. Over the year, this indicator increased for the bank by 2.11 percentage points. Return on equity also reached a positive level.

Leverage (financial leverage) decreased over the year by 0.34, which can be used to judge the improvement in the bank's condition. Net spread and net interest margin show growth and positive dynamics.

The bank's main financial indicators in the reporting period improved compared to last year, but the bank has not yet reached the values of 2014.

Main financial indicators of the bank on an accrual basis, million rubles.

Indicator name	31.12.2014	30.06.2015	31.12.2015	30.06.2016	31.12.2016
Interest income	89 922	48 009	93 459	44 319	86 718
Interest expenses	-41 522	-30 503	-56 130	-24 956	-47 761
	48 400	17 506	37 329	19 363	38 957
	-18 246	-11 109	-21 107	-7 747	-12 277
Net interest income	30 154	6 397	16 222	11 616	26 680
Commission income	13 945	5 686	12 098	5 266	10 794
Commission expenses	-2 198	-1 213	-2 565	-1 339	-2 790
Net profit for the year	3 183	-6 384	-9 282	-462	3 104

As can be seen, net interest income increased due to a decrease in the formation of reserves for impairment of assets on which interest is accrued.

Main financial indicators of the bank: quarterly values, million rubles.

Indicator name	31.12.2014	30.06.2015	31.12.2015	30.06.2016	31.12.2016
Interest income	46 342	48 009	45 450	44 319	42 399
Interest expenses	-21 947	-30 503	-25 627	-24 956	-22 805
Net interest income before provisions for impairment of interest-bearing assets	24 395	17 506	19 823	19 363	19 594
Formation of reserves for impairment of assets on which interest is accrued	-9 538	-11 109	-9 998	-7 747	-4 530
Net interest income	14 857	6 397	9 825	11 616	15 064
Commission income	7 384	5 686	6 412	5 266	5 528
Commission expenses	-1 102	-1 213	-1 352	-1 339	-1 451
Net profit for the year	527	-6 384	-2 898	-462	3 566

The bank's assessment has been revised. Currently, according to cost-based approach, the bank has high potential due to the improvement of the loan portfolio, which influenced the increase in the value of net assets.

As of January 1, 2017, the total loan portfolio of Rosbank in the Far East amounted to more than 33 billion rubles, the total deposit portfolio - 19.9 billion rubles.

At the end of 2016, the total portfolio of funds raised from individuals by the Far Eastern branch of Rosbank grew by 10% and reached 16.6 billion rubles. The main share in the portfolio is occupied by time deposits, the total amount of which at the end of the year amounted to 10.2 billion rubles, with an increase of 12%. The driver of sales growth, as last year, was the “150 years of reliability” contribution, ensuring maximum profitability and flexible terms when placing large amounts. The branch daily serves over 203 thousand active clients of the bank.

At the end of 2016, the retail loan portfolio of the branch amounted to RUB 15.2 billion. The main share in it is occupied by non-targeted loans– over 60%. In 2016, Rosbank issued over 17.4 thousand to residents of the Far East. consumer loans for a total amount of 6.8 billion rubles.

The Far Eastern branch continues to actively work with small businesses and individual entrepreneurs. In 2016, Rosbank offered new loan products for investment and working purposes, including overdrafts for current and new bank clients. Rosbank also became a participant in the state program for preferential lending small and medium-sized businesses together with the SME Corporation. In 2017, the volume of placed funds of legal entities increased in terms of deposits by 48%, in terms of account balances - by 26%. The number of active clients exceeds 6.6 thousand. Rosbank offers special products for entrepreneurs, including individual offers for participants foreign economic activity By conversion operations and support of transaction passports. This program aroused particular interest, and therefore, in a number of regions of the Far East, special seminars were held for enterprises participating in foreign economic activity, teaching clients to use effective financial instruments of the bank to conduct international business. For companies in the retail sector, Rosbank offered a “Mobile Cash Desk” card, which combines the functions of depositing revenue into a current account and withdrawing cash through ATMs without visiting a bank office.

The area of VIP services is actively developing in the region. The growth of the client base in 2016 was 40%. The volume of client account balances in foreign currency has almost tripled. In addition to using classic tools for placing funds, VIP clients were given the opportunity to include in their financial portfolios investment solutions with a guarantee of capital protection - ILI (investment life insurance). Thanks to the principle of open architecture, clients have access to instruments diversified by currencies, maturities, country, industry characteristics, and types of underlying assets. Over the past year, VIP clients of the Far Eastern branch invested over 50 million rubles in ILI.

It should also be noted that Rosbank remains the only systemically important credit organization in the Far East with the participation of international capital. The bank's VIP clients have access to international products and services of the Societe Generale group.

In 2016, the corporate loan portfolio grew by 6% to 15.4 billion rubles. The volume of the trade finance portfolio of corporate clients of the Far Eastern Branch amounted to 2.6 billion rubles. The total volume of funds raised from legal entities of the branch, including balances on customer accounts and time deposits, amounted to 3.3 billion rubles.

The Far Eastern branch of Rosbank actively cooperates in providing financing to municipalities of all levels, companies in the energy sector, trade, fish processing, agriculture and fuel and energy complex. Rosbank won 18 open auctions held in 2016 largest companies And municipalities region, and opened credit lines in the amount of over 13.3 billion rubles. For example, Rosbank opened line of credit with a total limit of 3.3 billion rubles for PJSC Far Eastern Energy Company and 2.7 billion rubles for JSC Far Eastern Generating Company (DGC), which are part of the holding company RAO ES of the East (RusHydro group). These agreements were the result of Rosbank’s victory in tenders, in which other major Russian banks also took part.

The Far Eastern branch of Rosbank has 56 branches in Primorsky, Khabarovsk, Kamchatka territories, Amur, Sakhalin, Magadan and Jewish Autonomous Regions, and the Republic of Sakha (Yakutia). ATM network -435 ATM.

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Purchase - sale foreign currency in cash and non-cash forms

Attracting deposits and placing precious metals

Issuance of bank guarantees

Making money transfers on behalf of individuals without opening bank accounts (except for postal transfers)

Issuance of guarantees for third parties providing for the fulfillment of obligations in cash

Acquiring the right to demand from third parties the fulfillment of obligations in cash

Trust management of funds and other property under agreements with individuals and legal entities

Carrying out transactions with precious metals and precious stones in accordance with the legislation of the Russian Federation

Providing for rent to individuals and legal entities special premises or safes located in them for storing documents and valuables

Leasing operations

Providing consulting and information services

Throughout its history, Rosbank PJSC has paid great attention to the implementation of social projects. PJSC Rosbank is one of the most reliable Russian banks. This makes it attractive to everyone who would like to save and increase their accumulated funds and receive high-quality banking services.

The structure of the entire bank is shown in Figure 2.

Figure 2 - Organizational PJSC structure"Rosbank"

The general management of the Bank is carried out by the Board of Directors between general meetings shareholders. Main executive body is the Management Board, headed by the Chairman of the Management Board. The board consists of heads of departments, which include functionally separated structural units.

Front-line units provide customer service in all areas of activity, and supervision of certain types of activities is carried out by the relevant structural unit of the profile.

If a transaction requires the participation of several structural divisions, then a responsible employee is appointed in one or another structural unit to support these types of transactions. This expresses the elements of the matrix control circuit, and common system control can be characterized as linear-functional.

The goal of Rosbank PJSC is to provide consulting services to Russian and Western companies, organize mergers and acquisitions and attract financing in Russian and international markets V various forms ah from issuing bonds to using complex structured products.

Strong partnerships with leading investment banks in the USA and Europe allow us to cover not only Russian but also international capital markets.

Let's look at the main performance indicators of Rosbank PJSC in Table 4.

Table 4

Key performance indicators of PJSC Rosbank

Index				Deviation
				Abs., million rubles

Profit before tax
Funds and profits
Loans to enterprises (including individual entrepreneurs)
Consumer loans (no overdue ones)
Overdue consumer loans
Securities
Bonds

Bank bills
Non-bank bills
Property
Current accounts
Resident deposits
Non-resident deposits
Deposits of individuals
ATM turnover

The table shows that assets in 2016 amounted to 915,737 million rubles. (which is 123.34%). This growth was driven by growth in the securities portfolio and an increase in customer lending.

Profit before tax for the analyzed period decreased by 10,272 million rubles. or by 25.56%, since in 2016 the profit was at a loss and amounted to 2091 million rubles. The reasons for this loss are excessive “jumps” in exchange rates, as well as the introduction of sanctions against Russia.

Funds and profits in 2016 increased by 8,041 and amounted to 107.67%, which is primarily due to an increase in the average interest rate on loans provided.

Loans to enterprises (including IP) during the analyzed period increased by 63,348 million rubles. And amounted to 132.87%. Consumer loans (without arrears) showed a decrease of 61,978 million rubles. And it amounted to 72.13%. Consumption of consumer loans increased by 9.176 million rubles. and amounted to 173.30%.

Securities in 2016 amounted to 114,370 million rubles, the total growth for the analyzed period was 141.50%. Bonds during the analyzed period increased by 47,090 million rubles. and amounted to 173.28%.

Bank bills showed a decrease of -13,266 million rubles. and amounted to 18.51%. As a result of a decrease in investments in bank bills, their share in securities portfolios decreased.

Non-bank accounts also showed a decrease of 284 million rubles. During the period under study, the volume of property increased by 12.772 million rubles. And amounted to 165.38%. Current accounts showed an increase of 43,877 million rubles. and amounted to 145.88%. Residents' deposits increased by 70,468 million rubles. and amounted to 181.52%. Non-resident deposits decreased by 16,010 million rubles, or 10.75%.

The volume of deposits of individuals in 2016 amounted to 192,416 million rubles, for the analyzed period - 36,963 million rubles. Or by 123.78%.

ATM turnover amounted to 51.309 million rubles, for the analyzed period - by 8,297 million rubles. or by 86.08%.

Thus, at the moment, according to the cost approach, the bank has high potential due to the improvement of the loan portfolio, which has affected the increase in the value of net assets.

One of the main principles of the activities of Rosbank PJSC is information openness. This is primarily due to the financial performance of the bank. In addition to the mandatory quarterly and annual reports According to Russian standards, Rosbank OJSC traditionally prepares financial statements in accordance with international standards.

The main task of Rosbank PJSC in the field of corporate finance is to provide consulting services to Russian and Western companies, organize mergers and acquisitions, carry out activities to attract financing for potential companies in the Russian and international markets in various forms from issuing shares and bonds for the use of complex structured products .

Extensive experience and excellent understanding of all areas of investment banking allow us to offer clients comprehensive solutions to problems of any size and level of complexity.

PJSC Rosbank offers its VIP clients first-class banking services, the main principles of which are complexity, strict confidentiality and an individual approach that takes into account the wishes of the client.

A personal manager assigned to a VIP client develops individual service plans. At any time convenient for the VIP client personal manager provides consultations on banking issues, legal issues, as well as taxation of the client’s personal income and property.

The accumulated experience in the field of private lending allows the bank to pursue a balanced credit policy that takes into account the interests of both the loan recipient and the bank.

Separate regulations The Bank has identified and structured a mechanism for making decisions on credit transactions. The vertical structure was formed from credit committees of different levels, differentiated in accordance with assumptions for making approval decisions credit operations for different amounts.

The competence of the Credit Committee of the highest level (Chairman of the Committee - Chairman of the Board of the Bank) includes transactions that constitute a significant part of the Bank's capital. For all subsequent subordinate credit committees, decision-making limits are determined in proportion to the position of credit committee members in descending order.

Due to the fact that one of the main profiles of the Bank is consumer lending, and also taking into account the fact that decisions on issuing loans of this type cannot be carried out in accordance with the established scheme (agreement with the Credit Committee), the Bank has developed a separate decision-making mechanism for this species loans.

This mechanism is a method whose principle is based on comparing various data about the borrower, which he provides to the Bank (some data is checked by the Bank's Security Service), as well as individual data about the potential borrower, which the Bank is able to collect independently.

Based on this data, a decision is made to provide or not provide a loan. This methodology is a priori imperfect, and the loans provided based on it have high percent non-repayment and/or improper debt service (untimely and incomplete).

This high risk for consumer loans is initially included in the interest rate on the loan.

2.2 Analysis of the bank’s financial indicators

PJSC Rosbank is the largest Russian bank and among them ranks 14th in terms of net assets.

Let's analyze economic activity PJSC Rosbank based on financial statements.

PJSC "Rosbank" is on the pawnshop list, and the Bank of Russia accepts bonds of the credit institution in question as collateral; it has the right to work with the Pension Fund of the Russian Federation and can attract its funds to trust management, in deposits and savings for housing provision military personnel; has the right to work with non-state pension funds, carrying out mandatory pension insurance, and can attract pension savings and savings for housing provision for military personnel; has the right to open accounts and deposits in accordance with Law 213-FZ of July 21, 2014, i.e. organizations of strategic importance for the military-industrial complex and security of the Russian Federation; Authorized representatives of the Bank of Russia have been appointed to the credit institution (Table 5).

bank creditworthiness credit

The balance sheet shows the financial position of a company as of a specific date. One section of the balance sheet reflects the bank's assets, while

as the other part shows liabilities and equity.

Assets include cash, precious metals and stones, loans provided, investments in securities, bank property, accounts receivable, i.e. placement of funds is reflected. Liabilities are intended for accounting authorized capital and funds, funds raised, interbank loans received, bank profits, accounts payable and other liabilities that are the bank's resources.

A bank's liquid assets are those bank funds that can be quickly converted into cash to be returned to their depositor clients.

We present the structure of highly liquid assets in the form of a table6.

Table 6

Structure of highly liquid assets of PJSC Rosbank

Indicator name				Abs., million rubles

funds in the cash register
funds in accounts with the Bank of Russia
NOSTRO correspondent accounts in banks (net)
interbank loans placed for up to 30 days
highly liquid securities of the Russian Federation
highly liquid securities of banks and states
highly liquid assets taking into account discounts and adjustments

The table shows that a strong liquidity position is due to a high volume of liquid and highly liquid assets, which is expressed in sufficient coverage of potential outflows with highly liquid assets. The amount of funds in the cash desk decreased by 14,507 million rubles. and amounted to 53.15% for the analyzed period.

The amount of funds in accounts with the Bank of Russia increased by 1003 million rubles. or by 798.75%.

The amount of NOSTRO correspondent accounts with banks for the analyzed period showed a decrease of 12,082 million rubles. and amounted to 54.97%.

The volume of interbank loans placed for up to 30 days in 2016 amounted to 57,185 million rubles. or 52.87%. The amount of highly liquid securities of the Russian Federation increased by 796 million rubles. or by 113.41%.

The amount of highly liquid securities of banks and states in 2016 amounted to 1842 million rubles, during the analyzed period it increased by 796 million rubles. and amounted to 176.10%. The amount of highly liquid assets, taking into account discounts and adjustments, decreased by 15,026 million rubles. and amounted to 87.80%. The bank maintains its liquidity through stable income by investing in securities.

As of the reporting date (April 1, 2017), the net assets of ROSBANK Bank amounted to 782.91 billion rubles. Over the year, assets decreased by -5.95%. The decline in net assets had a positive impact on the return on assets ROI: over the year, return on net assets increased from 0.84% to 1.40%.

In order to maintain liquidity, the bank must strive to minimize costs when selling assets and attracting

liabilities, which is a prerequisite for maintaining its sustainability financial condition.

In terms of services provided, the bank mainly attracts client money, and these funds are quite diversified (between legal entities and individuals), and invests funds mainly in loans.

IN current liabilities PJSC Rosbank distinguishes:

Liabilities to banks

Liabilities to clients and savings deposits (deposits),

Obligations of the clientele under acceptances issued for them,

Unpaid taxes, etc.

The structure of current liabilities is shown in table7.

Table 7

Structure of current liabilities of PJSC Rosbank

Indicator name				Abs., million rubles

deposits of individuals with a maturity of over a year
other deposits of individuals (including individual entrepreneurs) (for a period of up to 1 year)
deposits and other funds of legal entities (for a period of up to 1 year)
correspondent accounts of LORO banks
interbank loans received for a period of up to 30 days
own securities
obligations to pay interest, arrears, accounts payable and other debts
expected cash outflow
current liabilities

The table shows that the amount of deposits of individuals with a term of over a year increased by 3888 million rubles. and amounted to 104.98%.

The amount of other deposits of individuals (including individual entrepreneurs) (for a period of up to 1 year) during the analyzed period increased by 35,871 million rubles. or by 139.05%. The amount of deposits and other funds of legal entities (up to 1 year) decreased during the analyzed period by 33,124 million rubles, and amounted to 83.84%. The amount of correspondent accounts of LORO banks showed a decrease of 7,493 million rubles. and amounted to 78.80%. The amount of interbank loans received for a period of up to 30 days is also in a negative position and amounts to 65.86%. The amount of own securities decreased by 1665 million rubles. and amounted to 21.61%.

The amount of interest payment obligations increased during the analyzed period by 1359 million rubles. and amounted to 109.22%. The reason for this is the growth of income through the profitable placement of available resources. A commercial bank's resources represent the bank's liabilities and sources of its own funds.

The expected cash outflow decreased by RUB 25,107 million. or by 85.14%. The amount of current liabilities decreased by 9004 million rubles and amounted to 97.99% for the analyzed period.

The structure of income-generating assets is shown in table8.

Table 8

Indicator name				Abs., million rubles

Interbank loans
Loans to legal entities
Loans to individuals

Investments in leasing operations and acquired rights of claim
Investments in securities
Other income loans
Income assets

The table shows that interbank loans increased by 36,943 million rubles. and amounted to 142.65%.

Loans to legal entities during the analyzed period amounted to 101.73%, showing an increase of 4,117 million rubles. The increase in the share of loans to legal entities and the decrease in the share of loans to individuals is primarily due to a change in the approach to collateral.

During 2016, organizations were actively receiving loans due to the fact that each product was accompanied by collateral in the form of real estate, when the analysis procedure only became more stringent in relation to the procedure for lending to individuals credit history and other factors

Loans to individuals decreased by 99,690 million rubles. and amounted to 58.78%. Bills decreased by 597 million rubles. and amounted to 92.74%. Investments in leasing operations and acquired rights of claim in 2016 amounted to 7526 million rubles, during the analyzed period they increased by 269.07%. Investments in securities increased by 15399 million rubles. and amounted to 111.53%. Other profitable loans amounted to 4009 million rubles. or 0.56%, during the analyzed period increased by 65 million rubles. or by 101.65%. Income assets decreased during the analyzed period by 142,596 million rubles. or by 83.28%. During the analyzed period, there was a significant change in the total value of the bank's assets and its component items. This change is primarily due to changes in the volume of loans to individuals (58.78%) and the volume of bills (92.74%).

Analytics on the degree of security of issued loans, as well as their structure, is presented in table. 9

Table 9

Analytics on the degree of security of loans issued by Rosbank PJSC

Indicator name				Abs., million rubles

Securities accepted as collateral for loans issued
Property accepted as security
Loan portfolio amount

The table shows that securities accepted as collateral for issued loans decreased during the analyzed period by 20,553 million rubles. and amounted to 82.64%. Property accepted as collateral increased by 656,759 million rubles. or by 345.20%.

The loan portfolio in 2016 amounted to 620,143 million rubles, the share of which was 121.64%. During the analyzed period there was a decrease of 31,618 million rubles. or by 95.15%. The bank focuses on diversified lending, the form of which is guarantees and sureties. The overall level of loan collateral is quite high, and possible non-repayment of loans will most likely be compensated by the volume of collateral.

Special attention The bank pays attention to the conditions for receiving contractual funds from interest payments and repayment of the credit authority. If the bank expects to receive all interest and principal on the loan in in full, but with the present probability that these funds will be received later than the date agreed in the contract, an estimate of depreciation is carried out. The Bank analyzes depreciation in two main areas: provision for impairment on an individual basis and on a collective basis. The Bank determines the provisions required for each individually significant loan on an individual basis.

Another important risk faced by a bank during its operations is liquidity risk, which is the risk that the Bank will not be able to meet its payment obligations on the maturity date in the normal course of business and in times of stress.

Currency risk is the risk associated with the influence of fluctuations exchange rate for the cost financial instruments. The management of Rosbank PJSC has set limits on the level of risk for positions on different currencies according to requirements Central Bank. Positions are monitored daily.

Another risk that is important to a bank is operational risk, the risk of loss due to system failure, human error, fraud or external events. The Bank cannot expect to eliminate all operational risks, but manages these risks by applying a system of controls, monitoring potential risks and responding accordingly. The control system ensures effective distribution of responsibilities, procedures for access, authorization and coordination, training of personnel and procedures for conducting assessments, including internal audit.

The risk management system of Rosbank PJSC is the interrelation of methods, methods, methods of work of personnel, and management bodies of the Bank.

Analysis financial activities and statistics for 2014-2016. OJSC Rosbank indicates the absence of negative trends that could affect the financial stability of the bank in the future.

2.3 Analysis of credit operations of Rosbank PJSC

For this purpose, we will study the state of the loan portfolio of PJSC Rosbank (Table 10).

Table 10

Composition and structure of the loan portfolio of PJSC Rosbank for 2014-2016.

Index				Abs., million rubles

Legal entities
including, overdue
physical
including, overdue
Loan portfolio
including, overdue

As can be seen from the table data, the loan portfolio of Rosbank PJSC consists of loans provided to legal entities and individuals. In 2014, the majority of loans (50.75%) were provided to legal entities. In subsequent years, the bank changed direction and already in 2015, the share of loans issued to individuals decreased to 37.31%. Accordingly, the share of loans issued to legal entities increased.

The size of the loan portfolio during the analyzed period increased by 1.32%, with an increase in loans provided to legal entities by 35.71% and a decrease in the volume of loans provided to individuals by 28.94%.

Despite the increase in the volume of lending to legal entities, the share of overdue debt tended to decrease - 4.23%. The level of overdue debts of legal entities turned out to be half as much as the share of overdue debts of the population, which increased by 8.88% over the analyzed time interval. The share of total overdue debt in the loan portfolio increased from 8.7% to 10.32%, which required an increase in contributions to reserves for possible losses.

Let us reflect the indicators of overdue debt on loans issued to individuals in Table 11.

Table 11

Overdue debt on loans issued to individuals by Rosbank PJSC for 2014-2016.

The table shows that the volume of loans provided to individuals increased by 42,815 million rubles. and amounted to 132.35%.

The volume of overdue debts of individuals also showed an increase and amounted to 23,718 million rubles, the share of the increase is 187.98%.

Despite the increase in the share of overdue debt by 8 million rubles. In the overall loan portfolio, the Bank adheres to a conservative approach to valuation credit risk and pays special attention to the adequacy of the formation of reserves for assumed credit risks.

The result of credit risk management is the qualification of assets into the appropriate quality categories (Table 12).

Table 12

Share of debt classified by quality categories for 2014-2016.

As can be seen from the data presented, in 2016, the majority of the loan portfolio was made up of loans and equivalent debt of the 1st and 2nd quality categories, which indicates the proper quality of the loan portfolio. Compared to 2014, the share of loans of the 1st and 2nd quality categories increased by 5.3 percentage points. The share of the fourth quality category decreased by 0.8 percentage points, and the share of the fifth category increased slightly, by only 0.4 p.p.

These successes were achieved thanks to the credit risk management system created at Rosbank OJSC.

In particular, minimizing credit risk for a corporate loan portfolio includes the following activities:

Maintaining a diversified portfolio structure by industry, regional, currency, loan repayment terms, type of collateral, types credit products;

Setting risk limits for individual borrowers or groups of related borrowers;

The use of differentiated, multi-level, integrated approach to the assessment of client loan applications.

In area retail lending the most important aspect The bank's activities are to maintain an optimal balance between the profitability of the retail loan portfolio and existing credit risks, taking into account the possible trend of their further growth. The main tools for managing credit risks are:

Improving the restriction policy, according to which decisions on the provision of loans are made either by counting clients or jointly by representatives of business units and divisions;

Implementation of a methodology for risk segmentation of the client base;

Constant monitoring of the effectiveness of scoring models, constant expansion of the coverage of scoring cards of credit products and client segments;

Rapid response to increasing credit risk factors - tightening conditions and/or limiting credit to potential borrowers whose credit risk is assessed as “high” by changing and adapting assessment models, credit rules and conditions;

Application pricing policy for differentiation interest rates depending on the risk segment of the borrower, which allows you to attract high-quality borrowers, offering them more attractive rates due to low risk for such borrowers.

Portfolio structure consumer lending by type of lending is presented in Figure 3.

Figure 3 - Structure of the loan portfolio of PJSC Rosbank

Based on the data in Figure 3, we can say that the bulk of the loan portfolio of Rosbank PJSC is occupied by mortgage lending, which amounted to 188,338.4 thousand rubles. at the beginning of 2015.

Approximately the same volume in the structure of the loan portfolio is car loans - 146,623.57 thousand rubles. And consumer loans- 114558.3 thousand rubles. The smallest volume was occupied by loans provided to VIP clients and employees - 4343.95 thousand rubles.

According to the all-Russian PJSC rating Rosbank took 2nd place in Russia in terms of the volume of consumer loans provided due to mortgage lending and lending to small businesses and 7th place among all Russian banks in Russia in terms of the volume of loans provided to individuals.

Every month, the bank submits a report to the Central Bank of the Russian Federation and conducts an analysis of lending to Rosbank PJSC, which makes it possible to identify the results of activities of each of the additional. lending offices, and overall results credit activities bank, as well as identify positive and negative trends in the areas of the bank’s lending activities.

Lending analysis includes data on changes in the size of the loan portfolio in absolute terms, in quantitative terms, the issuance and repayment of loans by type, the interest income received on credit operations is indicated, and the loan portfolio is classified into risk groups.

We will analyze credit PJSC operations"Rosbank".

In 2016, the volume of loan investments amounted to 988 loan agreements for a total amount in ruble equivalent of 119,992 thousand rubles.

The characteristics of credit operations by type of lending are as follows (Table 13):

Table 13

Characteristics of lending operations of Rosbank PJSC in 2016

The table shows that in 2016, 988 credit transactions were carried out, of which 74 were commercial, 914 were consumer.

The actual debt from commercial loans is 112,507 million rubles. (105,022 million rubles more than from consumer ones).

Overdue debt from commercial loans amounts to 474 million rubles. (471 million rubles more than from consumer ones).

Let's imagine the structure of credit operations in Fig. 4.

Figure 4 - Structure of credit operations

The figure shows that consumer loans account for 89%. Commercial loans are 78% less and account for 11%.

Of greatest interest to the bank's clients is the program of lending to the population for any purpose.

Thus, the analysis of lending by Rosbank PJSC shows positive trends in the lending activities of this bank, as well as the demand for the products offered in the field of lending in the banking services market.

These indicators reflect the qualified approach of bank personnel when conducting credit operations, which allows us to say that each credit transaction goes through successive and necessary stages when issuing a loan.

2.4 Measures to improve the bank’s credit operations using the example of Rosbank PJSC

An analysis of the management of credit operations of Rosbank PJSC identified problems that the bank has to face in the process of credit operations.

Two points can be highlighted here:

Organization of work with problem loans;

Aimed at reducing the processing time of a loan application.

Firstly, the key type of risk for the Bank is the risk of non-repayment or untimely repayment by borrowers of loans received from the bank. Despite the fact that the share of overdue debt is small (0.16%), there are some loans issued large clients, the debt for which at the beginning of the reporting period in 2015 was 13-18% equity jar.

In its activities to solve this problem, Rosbank PJSC creates sufficient reserves for possible loan losses, also maintains the structure of the loan portfolio in accordance with the standards of the Central Bank of the Russian Federation and follows the accepted course for diversification (risk distribution).

Secondly, in modern world super competition and offers of various credit services PJSC Rosbank may lose its position due to the lengthy processing of the loan application (large package of documents, long time to check the borrower’s creditworthiness, etc.) (Fig. 5).

Figure 5 - Problems of Rosbank PJSC in the process of lending operations

Let us consider in more detail possible ways to improve lending at PJSC Rosbank.

Dealing with problem loans should include elements of insurance that banks include in their lending programs; some loans inevitably become problematic. This usually means that the borrower has not made one or more payments on time or that the collateral value of the loan has decreased significantly. Despite the fact that each problem loan has its own characteristics, they all have some common features who tell the banker that there are certain difficulties:

Unusual or unexplained reasons for delays in submitting financial statements, making payments, or stopping contact with bank employees.

Any unforeseen change in the borrower's methods for calculating depreciation, pension plans, inventory valuation, tax calculation or profit calculation.

Debt restructuring or refusal to pay dividends, change in the borrower’s credit rating.

Adverse changes in the price of the borrower's shares.

The presence of net losses for one or more years, measured using returns on assets, return on equity, or earnings before interest and taxes.

In the event of problems with a loan, the following basic steps can be proposed, which foreign experts describe in relation to the development of loan repayment plans - the process of reimbursing the bank's funds in the event of a problem situation:

Always remember the purpose of developing such plans - to maximize the bank's chances of receiving full refund of your funds.

It is critical to quickly identify and report any credit-related problems.

Separate responsibility for developing such plans from the lending function to avoid potential conflicts of interest with a particular loan officer.

Loan officers should discuss as soon as possible possible problems with a distressed borrower, especially in relation to cost reduction, increased cash flow and improved management.

Naturally, the most acceptable option is always to renegotiate the terms of the loan agreement, which gives the bank and its client the opportunity to resume normal activities. Even if there are serious problems with credit agreement, the bank may have such problems with the client.

Insurance and the attraction of sufficient security allow you to repay loans and compensate for losses in the bank on interest on the loan through insurance compensation from the insurance company or the implementation of collateral. However, in the context of a complex and complex procedure for implementing collateral, credit insurance in a reliable insurance company looks more preferable, since in this situation Insurance Company, and not the bank, deal with the problems of collateral, its availability, Security, saves the bank’s money and employee working hours credit departments and security services.

In order to reduce financial losses due to borrowers’ failure to fulfill their obligations, the bank is taking the following active steps:

Settlement of problem (overdue) debts through restructuring in cases where economic efficiency due to the financial feasibility and business plans for the development of the borrowers’ activities;

Working with problematic (overdue) credit debts at all stages of collection of overdue debts using developed and improved strategies, including with the involvement of external counterparties;

Collection of problem debts in court, including participation in bankruptcy procedures and financial recovery of borrowers.

Thanks to the implementation of the above measures, the bank can control the quality of the loan portfolio, predict and minimize the amount of created reserves and final losses for the Bank. The main directions for improving credit operations at Rosbank OJSC are presented in Figure 6.

Let's take a closer look at each direction.

1. Improving the quality of loan portfolios.

In order to build an effective system for managing the quality of the loan portfolio, it can be recommended that a credit organization implement a set of measures, in particular:

Formation of a loan portfolio in accordance with the chosen lending strategy, periodically adjusted to the market situation, as well as meeting the optimal indicators of credit risk, liquidity and profitability;

Conducting the selection of qualified personnel who will perform their functions under the guidance of experienced managers with a clear motivation for work;

Development of a clear mechanism for market research, sales management, personnel training, identification of potential clients and analysis of their lending prospects;

Carrying out constant monitoring of loan assets, taking into account the relative instability of the loan portfolio, first of all, with a view to identifying deteriorating loans and rejecting them (a loan causing concern must be identified before it becomes problematic in order to make a timely decision on maintaining or terminating the loan relationship);

Achieving sustainable profitability by regulating the concentration of loans and defining target lending indicators, such as, for example, the maximum level of the volume of problem loans from the total volume of current loans;

Regular analysis of retrospective and current state loan portfolio to timely inform bank management about deviations from the lending strategy and generate objective management information.

When considering the problem of improving the quality of the loan portfolios of the analyzed bank, it is important to understand that the quality of lending activities largely depends on the quality of credit risk management.

2. Expansion of credit and financial operations with all groups of clients.

The bank expands its activities by searching for the most profitable existing and future markets. banking products and services taking into account the real needs of clients. Based on this, one of the main goals of banking marketing is to attract new customers, both depositors and borrowers. To achieve this, the bank develops and offers new services and improves the quality of existing ones.

The marketing organization is based on the following principles: the determination of the bank’s structure and its employees to achieve certain marketing goals, the implementation of the bank’s marketing policy; comprehensive organization of marketing in the bank, including analysis, forecasting and planning, stimulation of the marketing service in its development; improving the skills of employees in the field of marketing, ensuring control over marketing decisions.

3. Improving the quality of service and reducing queues at Bank offices

The main thing in the area of improving the quality of service should be a thorough study of customer opinions coming through various communication channels, as well as improving the bank’s processes in accordance with customer expectations.

The bank must implement one system working with requests. Technological process provides for consideration of customer requests by specialized specialists. The reasons for requests are carefully analyzed, including in terms of the channels of their receipt. The findings are regularly brought to the attention of the bank’s management, and decisions are made to change technological processes.

An important step in organizing work with customer requests should be the creation of a Customer Care Service. Its tasks include identifying customer requests on the Internet, interacting with clients and analyzing the problems that led to the appearance of requests. Based on analytical data, the service identifies shortcomings in the bank’s business processes and formulates proposals for eliminating them, thereby improving the quality of customer service.

4. Improving the credit risk management system

The method of optimization analysis consists in the redistribution of funds on balance sheet accounts, which, subject to given restrictions, for example, establishing the required level of liquidity, ensures the maximization of the indicator under consideration, for example, determining the minimum required amount of funds that should be in the cash register.

Balance optimization is characterized by high level analysis and is one of the main elements of financial management in commercial bank. At the beginning of the analysis, the indicator to be optimized, the type of optimization are selected, restrictions are introduced, that is, acceptable values of control parameters are established, which must be linear functions or the quotient of dividing linear by linear. Next, the accounts are determined, at the expense of funds on which optimization is carried out and the range of their changes, after which a step-by-step calculation of the optimized indicator is carried out.

5. Modernization branch network

When choosing a strategy for the development of a regional network, the bank must proceed from the fact that this strategy is functional, and its specific goals and objectives are formulated in accordance with the corporate strategy, taking into account the bank’s resource capabilities, the quality of internal technologies, competitive position, priority areas of activity, as well as features functioning and effectiveness of the existing network. The bank must clearly define which goals will be key when developing a regional network: capturing a certain market share or increasing profitability, increasing the resource base or searching additional features placement of funds. Based on the target direction of network development, the bank must determine the type of regional network development strategy.

In efforts to reduce the time it takes to review applications at Rosbank PJSC, it is recommended to take measures to eliminate the causes of this problem:

A large package of lending documents.

In order to attract more clients, it is necessary to review and reduce the number of documents required to obtain a loan.

Errors of specialists (defects in documents).

This requires targeted work with staff.

These are the main steps to improve the management of credit operations of Rosbank PJSC. I would like to emphasize that the main idea in studying this issue in the work is a systematic approach, the need for which is obvious when it comes to such complex problems as credit issues.

As a result, we can say that Rosbank PJSC, like a modern commercial Bank“keeps up with the times”, pursuing a flexible credit policy that meets the latest requirements of the domestic credit market. However, the problems identified during the analysis (the risk of non-repayment or late repayment by borrowers of loans, lengthy processing of a loan application) make us think about the future credit policy bank, which is far from cloudless.

Conclusion

Having studied the bank’s credit operations and their organization, we can conclude that in modern conditions The lending process is the backbone of the modern economy and is used by banks to generate income.

Credit transactions are carried out subject to the availability of available funds. The loaned value is sold on the terms of payment, repayment and urgency. The main features of a credit relationship are repayment, urgency and payment, that is, funds are provided for a certain period, must be returned, and for their use the borrower pays a certain amount to the lender.

A commercial bank is an organization whose main function is to mobilize available funds economic entities and their placement in the economy. The implementation of this function affects the issues of formation and use of funds credit potential. Lending is the most profitable and riskiest active operation of a commercial bank. Therefore, if the bank's goal is to obtain maximum profit, then it must pay great attention to credit operations. To achieve this goal, the bank must manage the process of forming its resource base and use it effectively.

Currently, the issue of efficient use of the resources of commercial banks is an important task in banking practice.

Effective management of commercial bank resources is a rather complex topic in Russian banking theory. Now each bank organizes its work on resource management in its own way. This is due to the different market segments in which a particular bank operates, and the lack of a generally accepted methodology for resource management. Therefore, each market participant must develop this problem, taking into account the peculiarities of the functioning and position of the bank in the banking services market.

The purpose of the loan is to generate income. Without pursuing this goal, the debtor does not take, and the creditor does not provide a loan. The lender hopes to earn interest on the capital, taking into account the degree of risk. The borrower hopes that by using borrowed funds, will be able to generate income that will be sufficient to pay interest to the lender.

Through the process of short-term and long-term lending, the function of redistributing funds to financial system countries.

The main forms of collateral for loans and credit transactions are: collateral, guarantee and collateral. bank guarantee. In Russian practice, the use of various forms of security has been widely developed.

Carrying out credit operations is directly related to risk. Particular attention is paid to credit risk, since last years The degree of influence of credit risk on the activities of credit operations, as well as on the activities of Russian banks in general, was clearly revealed. Therefore, to reduce risk, not only its nature, but also its management was considered.

Speaking about PJSC Rosbank, it should be noted that in its development the bank relies on extensive experience in working with enterprises and organizations various industries and forms of ownership.

The issue of resource management in modern conditions becomes particularly acute, since the main financial indicator bank activities - profit. Both the volume and dynamics of profit growth depend on the correct use of resources.

An analysis of the management of credit operations of Rosbank PJSC revealed problems that the bank has to face in the process of credit operations.

These problems of credit operations provide the basis for the development of proposals for improving the management of credit operations at PJSC Rosbank.

In order to reduce financial losses due to borrowers’ failure to fulfill their obligations, the bank is taking the following active actions:

Settlement of problem (overdue) debt through restructuring in cases where economic efficiency is determined by the financial solvency and business plans for the development of the borrowers' activities;

Working with problem (overdue) loan debt at all stages of collection of overdue debt using developed and improved strategies, including with the involvement of external counterparties;

Collection of problem (overdue) debts in judicial procedure, including participation in bankruptcy procedures and financial recovery borrowers.

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Analysis of the structure of the loan portfolio of OJSC JSCB "ROSBANK"

According to experts, 2013 was quite difficult for Russian economy. Slowing down economic growth, which began in 2012, intensified and turned into stagnation. According to Rosstat, Russia's GDP growth in 2013 was only 1.3% compared to 3.4% in 2012. The growth of gross value added slowed down in all sectors of the Russian economy. At the same time, the greatest growth in 2013 was recorded in the field of financial activities and amounted to 12.0% (19.6% in 2012). The growth of value added in trade in 2013 slowed to 1.1% from 3.8% in 2012, in mining - to 0.9% to 1.6%, in transport and communications - 0.9% from 3.8%, in manufacturing industries - 0.8% from 2.7%.

Shares of final consumption expenditures in GDP structure at the end of 2013 they increased and amounted to 71.1% (for comparison - 68.3% in 2012). The share of net exports decreased in 2013 to 5.7% from 7.4% in 2012.

The only source of growth in 2013 remained private consumption, which supported the growth of consumer lending, and an increase in wages budget employees. However, the growth rate of retail lending, which was the main driver banking market in 2010 - 2012, slowed down to 30%. In the future, this trend may continue due to the introduction of additional restrictions by the Central Bank of the Russian Federation in order to streamline the consumer lending market, the adoption of which is caused by the high level of debt among the population and the growth rate of overdue debt, which in 2013 for the first time exceeded the growth rate of the loan portfolio.

Also, 2013 was characterized by a significant decline in investment in the Russian economy and capital outflow from the country, the main reason for which can be attributed to the completion of a number of large-scale government infrastructure projects.

At the end of 2013, assets banking sector grew by 16% against 19% in 2012. The stagnation of the Russian economy had a negative impact, first of all, on the growth rate of lending big business(10% in 2013 versus 12% in 2012). The segment that managed to maintain the same growth rate (17 - 18% per year) is lending to small and medium-sized businesses.

However, corporate business remains an important area of activity and plays a significant role in the formation of the Bank's loan portfolio and income. The Bank has a widely diversified customer base to which it can provide a wide range of banking services.

According to the segmentation of the client base, the corporate block includes clients with annual revenues of 4.0 billion rubles.

For OJSC JSCB ROSBANK, servicing corporate clients remains one of priority areas activities, and, developing all areas of this business, the Bank offers a full range of banking services.

The Bank has formed a diversified corporate loan portfolio, a significant share of which consists of funds provided to enterprises in the electric power industry, petrochemical and oil and gas industry, ferrous and non-ferrous metallurgy, mechanical engineering, military-industrial complex, wholesale and retail, Food Industry.

In 2013, the Bank maintained its interest in servicing small and medium-sized businesses (hereinafter referred to as SMEs). The presence of a branch network (SME products are provided in 97 branches of the Bank) ensures that small and medium-sized businesses can receive any banking services in a location as close as possible to the place of business.

At the end of 2013, over 1,408 clients of small and medium-sized businesses (including individual entrepreneurs) from various sectors of the economy (trade, industry, construction, exploration and mining, metallurgy, Agriculture and agro-industrial complex, mechanical engineering) loans were issued in an amount exceeding 10 billion rubles.

The loan portfolio of OJSC JSCB ROSBANK as of 01/01/2013 and 01/01/2014 is presented in table B.1.

Thus, the volume of net loan debt as of January 1, 2014 amounted to 479,159,870 thousand rubles, which is 9,327,732 thousand rubles. more compared to the figure as of 01/01/2013. The volume of other funds placed with the Bank of Russia as of 01/01/2014 amounted to 3,569,213 thousand rubles. while as of January 1, 2013, their number was zero. The amount of interbank loans and deposits decreased during the reporting year by 9,781,402 thousand rubles. The volume of loan debt of legal entities and individuals during the reporting year increased by 1,847,446 thousand rubles. and 17,029,539 thousand rubles. accordingly, the growth rate of the amount of loan debt of individuals is ahead of the growth rate of the amount of loan debt of legal entities by 6.87%. The growth in the volume of lending to individuals can be explained by the all-Russian trend towards an increase in retail business.

The amount of reserves for possible losses on loans to legal entities decreased during the reporting year by 690,752 thousand rubles. and amounted to 01/01/2014 27819668 thousand rubles. The same indicator for loans to individuals, on the contrary, increased by 2,511,211 thousand rubles. and according to data as of January 1, 2014, it amounts to 22,587,290 thousand rubles.

Geography of the loan portfolio of OJSC JSCB ROSBANK according to information as of 01/01/2014 and 2013. presented by the data in Table B.2, you can clearly see it in Figure 1.

Thus, according to data as of 01/01/2014, as well as as of 01/01/2013, a significant portion of loans (97.19% and 93.57%, respectively) were provided to companies operating in the Russian Federation, which represents a significant geographic concentration in one region.

The largest share of loans invariably goes to clients of the Central Federal District(including Moscow and the Moscow region). In addition, there is a trend towards a reduction in the issuance of loans to customers foreign countries- territories of the CIS, Europe, USA and others.

Figure 1 - Geography of the loan portfolio

OJSC JSCB "ROSBANK" as of 01/01/2014

The structure of the retail loan portfolio of OJSC JSCB ROSBANK is shown in Table 5.

Table 5 - Structure of the retail loan portfolio of OJSC JSCB ROSBANK

Index	As of 01/01/2014	As of 01/01/2013	Change
		absolute value (contract value), thousand rubles	share in total amount loans, %	absolute change, thousand rubles	growth rate, %
Loans to individuals, including:
Housing loans
Mortgage loans
Car loans
Consumer loans

The structure of the retail loan portfolio in 2013 changed slightly due to a reduction in the share of auto loans - 27.37% as of 01/01/2014 compared to 32.92% as of 01/01/2013 (growth in this area of lending in reporting year lagged behind other areas of retail lending). The share of other consumer loans increased to 49.03%, and the share mortgage loans increased to 22.11% (by 18,446,168 thousand rubles and 7,099,362 thousand rubles, respectively). Sales growth credit cards and overdrafts as part of consumer loans in 2013 were facilitated by a continuous increase in demand from the population and measures to improve the loan products provided by the Bank taking into account changing market conditions.

The structure of loans to legal entities at OJSC JSCB ROSBANK is clearly presented in Figure 2.

Figure 2 - Structure of loans to legal entities of OJSC JSCB ROSBANK as of 01/01/2014, thousand rubles

Data reporting form 0409302 “Information on placed and attracted funds” allows you to obtain detailed information about enlarged sectoral structure the Bank's corporate loan portfolio, which is presented in Table B.3.

The diagram confirms the presence of a diversified corporate loan portfolio in the Bank. The Bank's clients are mining industry enterprises, companies producing and distributing water, gas and electricity, manufacturing, mechanical engineering, military-industrial complex, wholesale and retail trade, food industry, and transport companies.

The total volume of loans to legal entities during the reporting period increased by 12367447 thousand rubles, i.e. by 6.62%. The largest share in the total volume of the corporate loan portfolio has lending to wholesale and retail trade - 26.21%; as of 01/01/2014, this figure increased by 27.97% compared to the data as of 01/01/2013 or by 11,415,104 thousand. R. the share of loans granted to enterprises in the mining industry and companies conducting real estate transactions decreased by 9,005,137 thousand rubles. and 619,358 thousand rubles. respectively.

Table B.4 presents the loan portfolio of OJSC JSCB ROSBANK in terms of the time remaining until full repayment of the debt.

Depending on the terms of lending, long-term, medium-term and short-term loans. The shorter the loan term, the more liquid it is. As maturities lengthen, liquidity decreases and credit risk increases. Table B.4 shows that the largest share in the structure of the loan portfolio is made up of loan investments over 1 year.

The total volume of loans issued for a period of more than a year amounted to 01.01.2014 251.39 billion rubles, which is 4.19 billion rubles. more compared to the data as of 01/01/2013. Loans issued by OJSC JSCB ROSBANK to legal entities for a period of over 1 year amounted to: 71.56 billion rubles. as of 01/01/2013, 72.56 billion rubles. as of January 1, 2014, OJSC JSCB ROSBANK gives priority to issuing medium-term and long-term loans.

OJSC JSCB "ROSBANK" - modern credit organisation, taking an active position in all types financial services. The bank is distinguished by flexibility in decision-making and an individual approach to each client. Stable position on Russian market, the reputation of a reliable and trusted Bank, as well as highly professional management, allowed the Bank to make a profit of 858 million rubles.

Financial condition of Rosbank for the year. Major achievements in retail business. Key negative points

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Analysis of the structure of the loan portfolio of OJSC JSCB "ROSBANK"