Russian banking market depends on takeoffs and falling in the international markets, problems with liquidity, political instability and bad institutional regulation (as a rule, the western analysts mark). The American rating agencies in the last reports state low enough estimation to the Russian banking system and level of its stability, - is not simple below the advanced economy, and near to the least developed countries of the world. Recently Russian banks have demonstrated success in development of control systems by scratches, often showing finance indexations and profit above, than in the West. Quality of regulation develops even more fast and effectively, than it was possible to expect. Besides, liquidity crisis has shown readiness correctly to reuse the mechanism of financing and to block negative tendencies.
The Rating of agency Expert RА shows a place of banks on their financial soundness on the basis of activity in first half of 2007. The cluster analysis has allowed to divide 40 banks into 6 groups on level of their financial soundness.
On agency classifications, the size of bank now is not a main index of its financial soundness and as if the bank actively develops retail operations, its chances to infringe financial stability above. The market rigid also requires victims.
The first group of financial soundness does not include the largest Russian banks (the Renaissance, the Credit Ural Mountains Bank etc.). These are banks with high yield of the capital, high quality of assets, high profitableness, effective management and comprehensible level of liquidity.
The Second group consists of key players of the market (Alpha bank, MDM-bank, NOMOS-BANK etc.). Yield of the capital and profitability of assets here a bit more low. In long run, these indexes are supplied by low manoeuvrability, instead of efficiency of risk-management.
The Third group is made by Russian banks of retail dynamics acting on a step ahead of the colleagues, but they should pay for it more in low level of internal funds, delay of payments and a smaller reserve of liquidity (Trust, Gazenergoprombank, etc.).
The Group four consists of retail leaders - banks the Russian standard and Home Credit Bank. Good capital provisions and high profitability has not prevented them to take the fourth place. Financial stability is inevitably infringed by very high share of back payments and the big expenses to net profit.
Banks of group five and six, unconditionally, lag behind other participants of the analysis on the size of assets. They also have rather high (in comparison with others) level of back payments and the worst results in the report on profits and efficiency.