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Какво се случи с банковата система след стрес-тестовете?

БНБ публикува тримесечната си статистика за състоянието на банковата система в страната към края на месец септември

03 ноември 2016, 1078 прочитания

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Христо Христов

В понеделник към края на работния ден, най-посещаваното място в интернет не бяха социалните мрежи, а сайтът на Българска народна банка. Причината е, че тогава централната банка публикува тримесечната си статистика за състоянието на банковата система в страната към края на м. септември. Данните са първите след официалното приключване на проведените стрес-тестове на банките.

Христо Христов

Христо Христов, е икономист. Има натрупан значителен опит в ръководството, провеждането и анализа на резултатите от редица маркетингови, икономически и социологически изследвания. Участва като автор в публични анализи и статии в областта на иновациите, информационни и комуникационни технологии и състоянието на икономиката. Автор е на блога „Икономика и общество” 

Общата сума на активите нараства през тримесечието с 1.2 млрд. лв. (1.3%) и в края на септември е 89.8 млрд. лв. За третото тримесечие най-голям ръст на активите в банковата система реализира Уникредит Булбанк с 557.7 млн. лв. Още през месец май банката обяви, че половината от печалбата й за 2015 г., (около 145 млн. лв.) ще бъде реинвестирана в нови проекти.
На второ място по ръст на активите е ЦКБ с 161.5 млн. лв., а след тях са СЖ Експресбанк, която добавя нови 152 млн. лв. към активите си.



Отчетните данни на БНБ показват и ръст на нетния общ оперативен приход на банките. Той нараства за последните 12 месеца със 182.6 млн. лв. или 6.2% до малко над 3 млрд. лв. Най-голям ръст тук отбелязва Първа инвестиционна банка с 73.2 млн. лв. (27.6%) или общ приход от 338.3 млн. лв. След нея по ръст се нареждат ЦКБ с 36.9 млн. лв. до 128.3 млн. лв. и ОББ с 30.6 млн. лв. до 300.8 млн. лв. Инвестбанк също подобряват приходите си с 10.8 млн. лв. като за банката това е ръст спрямо септември 2015 г. от 39.8%. Така общите приходи на банката са 39 млн. лв. Подобряващите се приходи индикират за повишената рентабилност на банките в системата.
Повишените приходи на банките оказват и силен тласък на общата печалба в сектора. Към края на м. септември тя надхвърля 1 млрд. лв. и бележи ръст с 35.1% в сравнение с година по-рано.

Най-голям ръст в печалбите си отбелязват Райфайзенбанк с 54.1 млн. лв. до 121 млн. лв. следвана от Първа инвестиционна банка с 45,1 млн. лв. до 55 млн. лв. и ОББ с 36.6 млн. лв. до 93 млн. лв.
Въпреки че предписанията на БНБ за изграждане на допълнителни буфери са към ПИБ и Инвестбанк и двете банки остават на печалба. Печалбата на Инвестбанк е в размер на 802 хил. лв. и бележи спад в сравнение с година по-рано от 413 хил. лв. 


Нетен общ оперативен приход на банките към края на м. септември 2016 г. и 2015 г.

банки

 
Източник: www.bnb.bg 


Високите приходи позволяват на ПИБ и Инвестбанк да заделят по-голяма част от печалбите си като обезценки. Към края на м. септември тяхното ниво за ПИБ е 140 млн. лв., а за Инвестбанк числото е 17.8 млн. лв. По този начин двете банки изграждат допълнителни капиталови буфери в размер на 201 млн. за ПИБ и 18.6 млн. лв. за Инвестбанк. Това бе заложено и в одобрените от БНБ планове на двете банки. Акцентът е в намаляване на риска, чрез по-големи обезценки идващи от печалбите на банките и капитализиране на останалата й част. Прочитът на данните показва, че ПИБ и Инвестбанк имат достатъчно лостове, с които сами да покрият напълно изискванията на БНБ в определените срокове. 
На ниво система основните финансови параметри остават стабилни. Ликвидните активи възлизат в края на септември на 28.7 млрд. лв., а коефициентът им е 37.35%. Общият размер на депозитите в банковата система в края на септември е 76.2 млрд. лв., или с 1.0 млрд. лв. (1.3%) повече спрямо края на второто тримесечие на годината. 

 
В навечерието на стрес-тестовете всички банки се презастраховаха и станаха твърде консервативни в отпускането на кредити с цел по-добро представяне. След като резултатите вече са факт и върху банките няма натиск, можем да очакваме и разхлабване на кредитната им политика. Това ще направи кредитите по-достъпни като условия и изисквания към клиентите. Лихвената статистика на БНБ регистрира през септември 2016 г., че средният лихвен процент по кредитите за потребление в левове намалява в сравнение със септември 2015 г. с 0.51 пр.п. до 10.21%, а по тези в евро – с 0.95 пр.п. до 6.17%. При жилищните кредити в левове той се понижава с 0.98 пр.п. до 4.74%, а по тези в евро – с 0.60 пр.п. до 5.24%. 
Данните на БНБ сочат, че тримесечният прираст на брутния кредитен портфейл на банковия сектор (без кредитите и авансите за сектори „централни банки“ и „кредитни институции“) възлиза на 436 млн. лв. (0.8%). Увеличението при кредитирането на домакинствата е с 218 млн. лв.
Лидер с най-голям обем отпуснати жилищни кредити е Банка ДСК с 1 956 млн. След нея се нареждат Уникредит Булбанк с портфейл от 1 624 млн. лв. и Юробанк и Еф Джи България (Пощенска банка) с 1 355 млн. лв.

При потребителските кредити челната тройка се заема от Банка ДСК с 2 564 млн. лв., Райфайзенбанк с 968 млн. лв. и ОББ с 967 млн. лв. При корпоративните кредити ръстът е в размер на 202 млн. лв. Тук в топ 3 между банките с най-добри условя за бизнеса са Уникредит Булбанк, чиито портфейл е в размер на 7 235 млн. лв., Първа инвестиционна банка с 4 015 млн. лв. и ОББ с 2 641 млн. лв. 
В края на третото тримесечие БНБ отчита и понижение на брутния размер на необслужваните кредити и аванси в банковата система. В края на септември тяхното ниво е 10 472 млн. лв., докато през юни обемът им е бил 10 592 млн. лв.
Данните недвусмислено потвърждават и думите на Димитър Радев за стабилността в банковата система на страната.

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11:57, 02 май 2017 # 5
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04:35, 19 юли 2017 # 6
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