CB believed payroll clients

Raising reserve requirements for unsecured retail loans, which the Central Bank introduced in 2013, can not raise loans to payroll customers. The Central Bank said that the risks of such borrowers is significantly lower than that of customers, "the street". Bankers agree with this logic, but note that the decision of the Central Bank will play into the hands of the State Bank, which leads the market wage projects, and further increase their competitive advantage over private players.

The fact that the Central Bank is considering the possibility of preserving the existing norms of reservation in respect of unsecured retail loans payroll bank clients, the director of the department of banking regulation CB Basil Pozdyshev. On March 1, 2013 in respect of unsecured retail loans granted from January 1, 2013, shall take effect increased the reserve ratio. A twofold increase in the minimum reserve strips planned for unexpired and expired minimal (up to 30 days) loans - up to 2 and 6% respectively. It will also introduce a new minimum amount is redundancy - for loans overdue more than 365 days - 100%, a minimum amount is now the top backup on retail loans - 75% in case of delay of more than 180 days. "We allow the exclusion of new reserve requirements for the least risky types of consumer loans, - said Mr. Pozdyshev. - Issue of unsecured loans payroll bank customers - is a completely different type of lending. Bank knows all cash flows of customers."

Introduction of higher reserve ratio for consumer credits preceded by repeated statements of the Central Bank of the risks associated with the rapid growth of this segment. According to Frank Research Group (FRG) on October 1, the volume of consumer market (cash loans, cards, loans in shops) reached 4.58 trillion rubles., An increase from the beginning of the year by 36%. Due to seasonal growth of lending at the end of the year on an annualized basis it could be up to 60%. Market leaders, according to the FRG, are Sberbank (1.36 trillion rubles.), VTB 24 (411 billion rubles.), HCF-Bank (192 billion rubles.), Agricultural (184 billion rubles). "Russian Standard" ( 168 billion rubles.).

At the same time, the market leading payroll state banks: Sberbank, VTB 24, Gazprombank and large universal banks with which retail players can not compete because of the lack of corporate business as such. "Retail banks are unlikely to be a serious competitor in the market of a universal payroll, since they attract customers is primarily on corporate lines, often as a by-product credit," - said predpravleniya Bank "Renaissance Credit" Alexey Levchenko. According to the deputy chairman of HCF-Bank (entered the market salary project about two years ago), Yuri Andresova, the development of this business without corporate lending is possible, but to compete with state banks especially retail players difficult. "We now have around 200 thousand payroll clients (of a bank of more than 20 million customers. -" B "), which we have not attracted as traditionally accepted - through the corporate channel, due to more favorable terms, - he said. - In particular, we have a large ATM network (about one thousand units) in the regions, and we offer our customers the interest on the account balance. " The decision to leave rates as part of consumer backup for payroll customers at current levels and significantly increase for customers "on the street" will further strengthen the position of state-owned banks, the market-leading Payroll and dampen private independent retail players, says Alexey Levchenko.

Bankers admit that, although the decision of the Central Bank will mainly state-owned banks, the logic of this approach is. Risks on loans payroll clients with lower recognizes Yuri Andres. According to the deputy chairman of the bank "Uralsib" Ilya Filatov, the level of salary arrears on loans to customers about three times lower than on loans to customers "the street." As the risk on such loans is less logical, and to the level of redundancy for them was lower, he adds.

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