Золотая осень с халвой – Акционный Совкомбанк
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\u041d\u0430 1 \u043c\u0430\u044f 2021 \u0433\u043e\u0434\u0430 \u043e\u0431\u044a\u0435\u043c \u043d\u0435\u0442\u0442\u043e-\u0430\u043a\u0442\u0438\u0432\u043e\u0432 \u043a\u0440\u0435\u0434\u0438\u0442\u043d\u043e\u0439 \u043e\u0440\u0433\u0430\u043d\u0438\u0437\u0430\u0446\u0438\u0438 \u0441\u043e\u0441\u0442\u0430\u0432\u0438\u043b 1,70 \u0442\u0440\u043b\u043d \u0440\u0443\u0431\u043b\u0435\u0439, \u043e\u0431\u044a\u0435\u043c \u0441\u043e\u0431\u0441\u0442\u0432\u0435\u043d\u043d\u044b\u0445 \u0441\u0440\u0435\u0434\u0441\u0442\u0432 \u2013 208,18 \u043c\u043b\u0440\u0434 \u0440\u0443\u0431\u043b\u0435\u0439. \u0417\u0430 \u0447\u0435\u0442\u044b\u0440\u0435 \u043c\u0435\u0441\u044f\u0446\u0430 2021 \u0433\u043e\u0434\u0430 \u0431\u0430\u043d\u043a \u043f\u043e\u043a\u0430\u0437\u0430\u043b \u043f\u0440\u0438\u0431\u044b\u043b\u044c \u0432 \u0440\u0430\u0437\u043c\u0435\u0440\u0435 13,60 \u043c\u043b\u0440\u0434 \u0440\u0443\u0431\u043b\u0435\u0439.
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3 \u0444\u0438\u043b\u0438\u0430\u043b\u0430 (2 \u0444\u0438\u043b\u0438\u0430\u043b\u0430 \u0432 \u041c\u043e\u0441\u043a\u0432\u0435, \u0438 \u043e\u0434\u0438\u043d \u0432 \u0411\u0435\u0440\u0434\u0441\u043a\u0435 \u041d\u043e\u0432\u043e\u0441\u0438\u0431\u0438\u0440\u0441\u043a\u043e\u0439 \u043e\u0431\u043b\u0430\u0441\u0442\u0438);
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\u0422\u0435\u043b.: (495) 665-52-55 (\u0434\u043e\u0431. 489)
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\u0421\u043e\u0432\u043a\u043e\u043c\u0431\u0430\u043d\u043a \u043d\u0430\u0445\u043e\u0434\u0438\u0442\u0441\u044f \u043f\u043e\u0434 \u043a\u043e\u043d\u0442\u0440\u043e\u043b\u0435\u043c \u0433\u0440\u0443\u043f\u043f\u044b \u0440\u043e\u0441\u0441\u0438\u0439\u0441\u043a\u0438\u0445 \u0431\u0438\u0437\u043d\u0435\u0441\u043c\u0435\u043d\u043e\u0432, \u0432 \u0442\u043e\u043c \u0447\u0438\u0441\u043b\u0435 \u043a\u043b\u044e\u0447\u0435\u0432\u044b\u0445 \u0447\u043b\u0435\u043d\u043e\u0432 \u0440\u0443\u043a\u043e\u0432\u043e\u0434\u0441\u0442\u0432\u0430. \u041e\u0441\u043d\u043e\u0432\u043d\u044b\u043c\u0438 \u0431\u0435\u043d\u0435\u0444\u0438\u0446\u0438\u0430\u0440\u0430\u043c\u0438 \u0421\u043e\u0432\u043a\u043e\u043c\u0431\u0430\u043d\u043a\u0430 \u044f\u0432\u043b\u044f\u044e\u0442\u0441\u044f \u0435\u0433\u043e \u043e\u0441\u043d\u043e\u0432\u0430\u0442\u0435\u043b\u0438 \u0431\u0440\u0430\u0442\u044c\u044f \u0421\u0435\u0440\u0433\u0435\u0439 \u0438 \u0414\u043c\u0438\u0442\u0440\u0438\u0439 \u0425\u043e\u0442\u0438\u043c\u0441\u043a\u0438\u0435 (\u0432 \u0441\u043e\u0432\u043e\u043a\u0443\u043f\u043d\u043e\u0441\u0442\u0438 31,15% \u0430\u043a\u0446\u0438\u0439 \u043f\u043e \u0441\u043e\u0441\u0442\u043e\u044f\u043d\u0438\u044e \u043d\u0430 14 \u043e\u043a\u0442\u044f\u0431\u0440\u044f 2019 \u0433\u043e\u0434\u0430), \u0410\u043b\u0435\u043a\u0441\u0435\u0439 \u0424\u0438\u0441\u0443\u043d (16,16%), \u041c\u0438\u0445\u0430\u0438\u043b \u041a\u043b\u044e\u043a\u0438\u043d (11,06%), \u043f\u0440\u0435\u0434\u0441\u0435\u0434\u0430\u0442\u0435\u043b\u044c \u043d\u0430\u0431\u043b\u044e\u0434\u0430\u0442\u0435\u043b\u044c\u043d\u043e\u0433\u043e \u0441\u043e\u0432\u0435\u0442\u0430 \u0431\u0430\u043d\u043a\u0430 \u0438 \u0431\u044b\u0432\u0448\u0438\u0439 \u0447\u043b\u0435\u043d \u0441\u043e\u0432\u0435\u0442\u0430 \u0434\u0438\u0440\u0435\u043a\u0442\u043e\u0440\u043e\u0432 \u043a\u043e\u043c\u043f\u0430\u043d\u0438\u0438 \u00ab\u041c.\u00a0\u0412\u0438\u0434\u0435\u043e\u00bb \u041c\u0438\u0445\u0430\u0438\u043b \u041a\u0443\u0447\u043c\u0435\u043d\u0442 (6,65%), \u043f\u0440\u0435\u0434\u0441\u0435\u0434\u0430\u0442\u0435\u043b\u044c \u043f\u0440\u0430\u0432\u043b\u0435\u043d\u0438\u044f \u0431\u0430\u043d\u043a\u0430 \u0414\u043c\u0438\u0442\u0440\u0438\u0439 \u0413\u0443\u0441\u0435\u0432 (6,07%).\u00a04,4% \u0430\u043a\u0446\u0438\u0439 \u0431\u0430\u043d\u043a\u0430 \u0447\u0435\u0440\u0435\u0437 \u0410\u041e \u00ab\u0423\u041a \u0420\u043e\u0441\u0441\u0438\u0439\u0441\u043a\u043e\u0433\u043e \u0424\u043e\u043d\u0434\u0430 \u041f\u0440\u044f\u043c\u044b\u0445 \u0418\u043d\u0432\u0435\u0441\u0442\u0438\u0446\u0438\u0439\u00bb\u00a0 \u043a\u043e\u043d\u0442\u0440\u043e\u043b\u0438\u0440\u0443\u0435\u0442 \u0433\u043e\u0441\u0443\u0434\u0430\u0440\u0441\u0442\u0432\u043e. «,»name_full»:»\u041f\u0410\u041e \u00ab\u0421\u043e\u0432\u043a\u043e\u043c\u0431\u0430\u043d\u043a\u00bb»,»active»:true,»icon_url»:»\/\/static3.banki.ru\/upload\/iblock\/f99\/sovkombank_16x16.gif»,»site»:»www.sovcombank.ru»,»is_nco»:false,»is_ssv»:true,»is_news_on_allbanks»:true,»is_show_banki_reference»:true,»is_socnet_on»:true,»is_socnet_active»:true,»show_counter»:2641778,»show_counter_start»:»1970-01-01 03:00:00″,»allbanks_show_counter»:13574,»engbanks_show_counter»:1322,»socnet_total_user_cache»:null,»title_video_id»:0,»blog_first_person_author_id»:0,»socnet_id»:44,»photo_head_office_preview»:»»,»photo_head_office_big»:»»,»cb_info_url»:»http:\/\/cbr.ru\/credit\/coinfo.asp?id=340000004″,»socnet_bank_url»:»sovcombank»,»name_alternative»:»»,»address»:»156000, \u0433.\u00a0\u041a\u043e\u0441\u0442\u0440\u043e\u043c\u0430, \u043f\u0440\u043e\u0441\u043f. \u0422\u0435\u043a\u0441\u0442\u0438\u043b\u044c\u0449\u0438\u043a\u043e\u0432, \u0434.\u00a046″,»personal_director»:»\u0413\u0443\u0441\u0435\u0432 \u0414\u043c\u0438\u0442\u0440\u0438\u0439 \u0412\u043b\u0430\u0434\u0438\u043c\u0438\u0440\u043e\u0432\u0438\u0447″,»name_eng»:»Sovcombank»,»name_full_eng»:»PJSC \»Sovcombank\»»,»address_eng»:»»,»preview_text»:»»,»detail_text»:»»,»banki_reference_announce»:»
\u041f\u0410\u041e \u00ab\u0421\u043e\u0432\u043a\u043e\u043c\u0431\u0430\u043d\u043a\u00bb \u2014 \u043a\u0440\u0443\u043f\u043d\u044b\u0439 \u043f\u043e \u0440\u0430\u0437\u043c\u0435\u0440\u0443 \u0430\u043a\u0442\u0438\u0432\u043e\u0432 \u0444\u0438\u043d\u0430\u043d\u0441\u043e\u0432\u044b\u0439 \u0438\u043d\u0441\u0442\u0438\u0442\u0443\u0442 \u0444\u0435\u0434\u0435\u0440\u0430\u043b\u044c\u043d\u043e\u0433\u043e \u0443\u0440\u043e\u0432\u043d\u044f \u0441 \u0448\u0438\u0440\u043e\u043a\u043e\u0439 \u0441\u0435\u0442\u044c\u044e \u043f\u043e\u0434\u0440\u0430\u0437\u0434\u0435\u043b\u0435\u043d\u0438\u0439 \u043f\u043e \u0420\u043e\u0441\u0441\u0438\u0438. \u0417\u0430\u0440\u0435\u0433\u0438\u0441\u0442\u0440\u0438\u0440\u043e\u0432\u0430\u043d \u0432 \u041a\u043e\u0441\u0442\u0440\u043e\u043c\u0435. \u041e\u0441\u043d\u043e\u0432\u043d\u044b\u0435 \u043d\u0430\u043f\u0440\u0430\u0432\u043b\u0435\u043d\u0438\u044f \u0434\u0435\u044f\u0442\u0435\u043b\u044c\u043d\u043e\u0441\u0442\u0438 \u2014 \u043e\u0431\u0441\u043b\u0443\u0436\u0438\u0432\u0430\u043d\u0438\u0435 \u0438 \u043a\u0440\u0435\u0434\u0438\u0442\u043e\u0432\u0430\u043d\u0438\u0435 \u0444\u0438\u0437\u0438\u0447\u0435\u0441\u043a\u0438\u0445 \u0438 \u044e\u0440\u0438\u0434\u0438\u0447\u0435\u0441\u043a\u0438\u0445 \u043b\u0438\u0446, \u043a\u043e\u0440\u043f\u043e\u0440\u0430\u0442\u0438\u0432\u043d\u043e-\u0438\u043d\u0432\u0435\u0441\u0442\u0438\u0446\u0438\u043e\u043d\u043d\u044b\u0439 \u0431\u0438\u0437\u043d\u0435\u0441, \u043e\u043f\u0435\u0440\u0430\u0446\u0438\u0438 \u0441 \u0446\u0435\u043d\u043d\u044b\u043c\u0438 \u0431\u0443\u043c\u0430\u0433\u0430\u043c\u0438. \u041e\u0441\u043d\u043e\u0432\u043d\u044b\u043c\u0438 \u0438\u0441\u0442\u043e\u0447\u043d\u0438\u043a\u0430\u043c\u0438 \u0444\u043e\u043d\u0434\u0438\u0440\u043e\u0432\u0430\u043d\u0438\u044f \u0432\u044b\u0441\u0442\u0443\u043f\u0430\u044e\u0442 \u0432\u043a\u043b\u0430\u0434\u044b \u0444\u0438\u0437\u0438\u0447\u0435\u0441\u043a\u0438\u0445 \u043b\u0438\u0446, \u0441\u0440\u0435\u0434\u0441\u0442\u0432\u0430 \u043a\u043e\u043c\u043f\u0430\u043d\u0438\u0439-\u043a\u043b\u0438\u0435\u043d\u0442\u043e\u0432 \u0438 \u043f\u0440\u0438\u0432\u043b\u0435\u0447\u0435\u043d\u043d\u044b\u0435 \u0441\u0440\u0435\u0434\u0441\u0442\u0432\u0430 \u043d\u0430 \u043c\u0435\u0436\u0431\u0430\u043d\u043a\u043e\u0432\u0441\u043a\u043e\u043c \u0440\u044b\u043d\u043a\u0435. «,»banki_reference_part1_eng»:»
The bank was founded as Buicombank in the town of Bui (the Kostroma region) in 1990. The bank moved headquarters to the regional capital and turned into investment commercial bank Sovcombank (Sovremennyi Kommerchesnkiy Bank) in 2003. After relocation the bank opened a branch in Bui, while the Moscow branch was opened a little earlier. The lending institution obtained a general license from the Bank of Russia in March 2004, and joined the national deposit insurance system in September 2005. \r\n \r\n
In June 2007, Sovcombank owners and Dutch-based TBIF BV, which is part of financial industrial holding Kardan (Dutch-Israeli, consolidated assets totaled around \u20ac3.3 bln in 2012), agreed to set up a banking holding. The holding was to take under one roof credit agency chain ARKA, Sovcombank and Regionalny Kredit, the then 100% subsidiary (it is now owned by an individual and BTA-Kazan). From 2007 TBIF controlled around half of Sovcombank shares, and in late November 2011 the Federal Anti-Trust Service upheld an application submitted by TBIF Russian Holdings 2 B.V. to buy another 50% stake in the bank. However, Kardan pulled out of the lending institution as early as May 2012. \r\n \r\n
Over the past few years Sovcombank has been M&A aggressive in both the banking sector and beyond. News broke in late 2013 that Sovcombank picked up 100% of GE Money Bank from US corporation GE. The deal was wrapped up in February 2014, and a decision was adopted to issue and offer the banks shares to the public. For this reason, the banks corporate status changed to an open joint stock company, and later to a public joint stock company. In late December 2014 Sovcombank reached an agreement to acquire the Russian subsidiary of Indian lender ICICI Bank. Upon receipt of required approvals from the Federal Anti-Trust Service and the Bank of Russia Sovcombank became a 100% shareholder of ICICI Bank on March 17, 2015. ICICI Bank was renamed Sovremennyi Kommerchesky Ipotechny Bank (SKIB) on April 29, 2015. SIKB was planned to mainly focus on the issue and service of mortgage loans, and also on the provision of bank guarantees. \r\n \r\n
In September 2015, Sovcombank was chosen to rehabilitate Express-Volga, which was previously part of Life Group. According to the media reports, the Deposit Insurance Agency (DIA) planned to provide Sovcombank with roughly Rub 50 bln for 10 years at 0.51% to rescue Express-Volga. During the same period the bank announced the purchase of a 9.48% stake in Rosevrobank, and 7.45% and 0.5% stakes in REG Holding Limited, which owns 73.82% of Rosevrobank, in late October 2015. Later Sovcombank bought another 5.67% stake in the fund and to date its stake in Rosevrobank is 19.53%. \r\n \r\n
It is necessary to mention among the latest deals struck by Sovcombank the acquisition of Metcombank (100%, the banks merger with Sovcombank kicked off in mid-December 2016), the Russian subsidiary of Turkish bank Garanti Bank (Garanti Bank \u2014 Moscow, 99.98%), Bank Poidem!, which was previously part of Life Group and is currently under rehabilitation (any merger with Sovcombank is not planned), Modulbank (at the moment Sovcombank holds a 24% stake in the bank). \r\n \r\n
The bank also owns a number of subsidiaries, JVs and associated companies that operate beyond the banking sector. In particular, the following stand out Sollers Finance (50%), Kostroma Auto Component Plant (49.60%), AeroPlaza (100%), Cbonds (24.90%), Shatalet (49%), and Siluet (65%). In October 2016, Sovcombank also signed an agreement to acquire e-marketplace RTS-tender. \n
Sovcombank is controlled by a group of Russian businessmen, including its key executives. Sovcombanks beneficial owners are its founders, brothers Sergey and Dmitry Khotimskys (34.4%, in the aggregate), Alexey Fisun (19.03%), Mikhail Klyukin (11.32%), Natalia Zakharova (7.41%), the banks management board chairman Dmitry Gusev (6.68%), Faina Bulk (2.67%), and Marina Yakovleva (2.16%). Stakes held by other shareholders are under 2%. Alexey Fisun, Dmitry Khotimsky and Mikhail Klyukin are members of the banks supervisory board. Notably, the banks beneficial owners previously included Mikhail Kuchment, a board member at M.Video until June 2016. According to disclosed information, as of November 28, 2016 Mikhail Kuchment was not among the banks shareholders, but he was still the banks board chairman. \r\n \r\n
As of October 1, 2016 the lending institutions network spanned 68 constituent entities of Russia and consisted of the head office in Kostroma, two branches (in Moscow and Berdsk (Novosibirsk region)), 79 additional offices, 138 operating offices and 197 credit & cash offices. The banks key regions of presence are Moscow and the Kostroma region. As of October 1, 2016 the banks headcount stood at 7,532. \r\n \r\n
Since 2015 the banks main areas of business in the retail segment have been retail deposits and check accounts, loans, overdraft loans, credit cards and money transfers (Golden Crown). In the corporate investment segment the bank highlights the following areas: loans, investment banking services, securities trading, investment, and also bank guarantees for SMEs. \r\n \r\n
The lineup of Sovcombanks consumer loans is designed for various purposes and borrower categories, including tied credits at partner stores, loans against real estate and vehicles, auto loans, and also loans for pensioners (the age limit for the banks potential borrower is 85 years). The bank issues settlement and credit cards powered by international payment systems MasterCard and Visa. Sovcombank provides remote banking services via a SovcomLine package. \r\n \r\n
From January through December 2016 the banks net assets fell marginally (4.3%) to Rub 501.3 bln by December 1. A decline in the scope of business was driven by the repayment of nearly all loans provided by the Bank of Russia in 2016 (34.5% of liabilities at start 2016). The lender refinanced a substantial portion of CBR loans by retail deposits (up 55% since year-start 2016) and issuing own promissory notes. At the beginning of 2016 promissory notes came to Rub 1.9 bln, or less than 0.4% of liabilities, and reached Rub 56.8 bln by the balance sheet date, accounting for 11.3% of liabilities. In the assets, a contraction was recorded in the bond portfolio, high-liquidity funds and corporate loans. At the same time, granted inter-bank and retail loans grew. \r\n \r\n
After nearly all funds were paid back to the Bank of Russia retail deposits regained the status of the biggest source of liabilities (38.9% as of the balance sheet date). However, drawn inter-bank loans, which mainly include short-term loans extended by Russian banks, account for a big portion of liabilities (22%). Funds of businesses and institutions account for 14.7%, and a smaller share (13%) falls to issued bonds and promissory notes. It is necessary to add that the large-scale issue of promissory notes in 2016 Sovcombank, in terms of this liability (Rub 56.8 bln) ranked second among Russian lending institutions as of December 1. Meanwhile, nearly all promissory notes that the bank issued in 2016 fell to the instruments with 3Y+ maturity, while the bulk of market-based promissory notes typically become due in less than three years. The rest of the banks liabilities falls to equity. In line with the \u2116\u00a01.0 ratio, the banks capital adequacy is safely complied with at 12.1% vs. the 8% minimum. It should also be noted that Sovcombank was provided with Rub 6.3 bln as a capital injection as part of the governments banking sector capitalization program in April 2015. Payment flows of the banks clientele are moderate against the banks current scope of business. Turnover of client accounts has lately ranged from Rub 100 bln to Rub 140 bln. \r\n \r\n
As for the breakdown of assets, 43.8% falls to securities (at the beginning of 2016 the securities portfolio accounted for 44.2% of net assets). As of the balance sheet date over than half of the portfolio was collateralized under repurchase transactions, while the remainder of \u00abfree\u00bb securities comprised OFZs, corporate and banking bonds, and also Eurobonds. The bank regularly uses bonds, drawing liquidity through repurchase transactions. Over the past few months turnover of repurchase transactions involving bonds totaled Rub 1\u20141.2 tln. \r\n \r\n
As of the balance sheet date the credit portfolio accounted for slightly more than 20% of net assets, with about two thirds of the portfolio falling to retail loans (up 9.8% since the beginning of 2016) and a third to corporate loans (down 18.8%). Notably, previously retail loans accounted for over 90% of the portfolio. \r\n \r\n
NPLs stand at 11.7%, and have been rising (11.68% as of start 2016). Provisions are nearly twice as high as NPLs (20.2% as of the balance sheet date vs. 13.52% at the beginning of 2016). At the same time, the credit portfolio is poorly collateralized (30.2%, and 13.2% in early 2016). Most loans that make up the credit portfolio are mid- and long-term (issued for 12\u201436 and 36+ months). \r\n \r\n
Sovcombank is typically a pronounced net borrower in the inter-bank lending market. Over the past few months alone the banks monthly borrowing totaled around Rub 1 tln against Rub 30\u201480 bln in granted inter-bank loans. After the Bank of Russia tapered off repurchase auctions in September 2016 Sovcombanks main creditors are Russian commercial banks. Inter-bank loans are usually taken out for up to a month. Furthermore, the lending institution is aggressive in conversion operations that have lately ranged from Rub 500 bln to Rub 1 tln. \r\n \r\n
In January-November 2016, the banks net profit exceeded the number reported for FY15 (Rub 12.4 bln and Rub 11.1 bln, respectively). In terms of net profit as of December 1, 2016 the bank held quite a high position (8th) among Russian banks. The lending institution traditionally maintains high ROE, being ranked 27th (29.5% on an annualized basis) as of December 1, 2016. \r\n \r\n
The Supervisory Board: Mikhail Kuchment (chairman), Mikhail Klyukin, Alexey Panferov, Alexey Fisun, and Dmitry Khotimsky. \r\n \r\n
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