Эксперты: Уровень просроченной задолженности банковского сектора к концу года может достигнуть 8-9%
По мнению экспертов, принявших участие в интернет-конференции, организованной интернет-холдингом «Финам», уровень просроченной задолженности российского банковского сектора к концу года может достигнуть 8-9%. На данный момент, согласно официальной статистике, данный показатель зафиксировался на уровне 2,3%. При этом, отмечается, что уровень просроченной задолженности достаточно сильно варьируется от банка к банку. В частности, показатели просроченной задолженности по кредитам предприятиям по группе госбанков составляют 1,9%, и 3,8% - по группе крупнейших частных банков. По кредитам физическим лицам ситуация аналогична — 1,8% по госбанкам, 5.2% - по крупнейшим частным банкам.
«Разумеется, реальные показатели выше, поскольку у банков существует достаточно способов минимизировать официальные показатели просроченных (и особенно - проблемных) кредитов», - добавляет зам. руководителя аналитического департамента ООО "Совлинк" Ольга Беленькая.
«Еще нельзя забывать о том, что текущая «просрочка» рассчитывается на основе вступившего в силу в последний день прошедшего года указания ЦБ, которое сделало более либеральной оценку качества кредита. Так, обслуживание долга по ссуде юрлицами квалифицируется как «хорошее», если «просрочка» не превышает 30 дней, при этом ранее было всего 5, а физлицами — 60, ранее было 30», - констатирует ведущий аналитик отдела макроэкономического анализа ОАО Банк "Петрокоммерц" Дмитрий Харлампиев.
«Есть понятие просроченной задолженности - это то, что отражается по отчетности, и цифра, по российской отчетности эта цифра еще ниже 3%, но по российской отчетности в нее не включается основная сумма долга, если просрочен только процентный платеж. При этом понятно, что если компания не может заплатить проценты, то ее возможности заплатить основную часть долга минимальны. По МСФО, если просрочен платеж, то просроченным считается весь кредит. Но есть еще понятие проблемной задолженности - то есть реальный размер дыры в кредитном портфеле банков - это сейчас около 20%, если не выше. Совершенно не факт, что вся эта сумма будет отражена в ближайшее время как просроченная задолженность, она может быть переоформлена (реструктурирована), тем не менее, это масштаб проблемы», - отмечает главный экономист "Альфа-Банка" Наталья Орлова.
«Разумеется, реальные показатели выше, поскольку у банков существует достаточно способов минимизировать официальные показатели просроченных (и особенно - проблемных) кредитов», - добавляет зам. руководителя аналитического департамента ООО "Совлинк" Ольга Беленькая.
«Еще нельзя забывать о том, что текущая «просрочка» рассчитывается на основе вступившего в силу в последний день прошедшего года указания ЦБ, которое сделало более либеральной оценку качества кредита. Так, обслуживание долга по ссуде юрлицами квалифицируется как «хорошее», если «просрочка» не превышает 30 дней, при этом ранее было всего 5, а физлицами — 60, ранее было 30», - констатирует ведущий аналитик отдела макроэкономического анализа ОАО Банк "Петрокоммерц" Дмитрий Харлампиев.
«Есть понятие просроченной задолженности - это то, что отражается по отчетности, и цифра, по российской отчетности эта цифра еще ниже 3%, но по российской отчетности в нее не включается основная сумма долга, если просрочен только процентный платеж. При этом понятно, что если компания не может заплатить проценты, то ее возможности заплатить основную часть долга минимальны. По МСФО, если просрочен платеж, то просроченным считается весь кредит. Но есть еще понятие проблемной задолженности - то есть реальный размер дыры в кредитном портфеле банков - это сейчас около 20%, если не выше. Совершенно не факт, что вся эта сумма будет отражена в ближайшее время как просроченная задолженность, она может быть переоформлена (реструктурирована), тем не менее, это масштаб проблемы», - отмечает главный экономист "Альфа-Банка" Наталья Орлова.
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При этом, отмечается, что уровень просроченной задолженности достаточно сильно варьируется от банка к банку. В частности, показатели просроченной задолженности по кредитам предприятиям по группе госбанков составляют 1,9\u0026#37;, и 3,8\u0026#37; - по группе крупнейших частных банков. По кредитам физическим лицам ситуация аналогична \u0026mdash; 1,8\u0026#37; по госбанкам, 5.2\u0026#37; - по крупнейшим частным банкам.\u003C\/span\u003E \r\n \u003Cbr \/\u003E\r\n \r\n \u003Cbr \/\u003E\r\n \u003Cspan class=\u0022kobl-text-content\u0022\u003E\t\u0026laquo;Разумеется, реальные показатели выше, поскольку у банков существует достаточно способов минимизировать официальные показатели просроченных (и особенно - проблемных) кредитов\u0026raquo;, - добавляет зам. руководителя аналитического департамента ООО \u0026quot;Совлинк\u0026quot; Ольга Беленькая.\u003C\/span\u003E \r\n \u003Cbr \/\u003E\r\n \r\n \u003Cbr \/\u003E\r\n \u003Cspan class=\u0022kobl-text-content\u0022\u003E\t\u0026laquo;Еще нельзя забывать о том, что текущая \u0026laquo;просрочка\u0026raquo; рассчитывается на основе вступившего в силу в последний день прошедшего года указания ЦБ, которое сделало более либеральной оценку качества кредита. Так, обслуживание долга по ссуде юрлицами квалифицируется как \u0026laquo;хорошее\u0026raquo;, если \u0026laquo;просрочка\u0026raquo; не превышает 30 дней, при этом ранее было всего 5, а физлицами \u0026mdash; 60, ранее было 30\u0026raquo;, - констатирует ведущий аналитик отдела макроэкономического анализа ОАО Банк \u0026quot;Петрокоммерц\u0026quot; Дмитрий Харлампиев.\u003C\/span\u003E \r\n \u003Cbr \/\u003E\r\n \u003Cspan class=\u0022kobl-text-content\u0022\u003E\u003C\/span\u003E \r\n \u003Cbr \/\u003E\r\n \u003Cspan class=\u0022kobl-text-content\u0022\u003E\t\u0026laquo;Есть понятие просроченной задолженности - это то, что отражается по отчетности, и цифра, по российской отчетности эта цифра еще ниже 3\u0026#37;, но по российской отчетности в нее не включается основная сумма долга, если просрочен только процентный платеж. При этом понятно, что если компания не может заплатить проценты, то ее возможности заплатить основную часть долга минимальны. По МСФО, если просрочен платеж, то просроченным считается весь кредит. Но есть еще понятие проблемной задолженности - то есть реальный размер дыры в кредитном портфеле банков - это сейчас около 20\u0026#37;, если не выше. Совершенно не факт, что вся эта сумма будет отражена в ближайшее время как просроченная задолженность, она может быть переоформлена (реструктурирована), тем не менее, это масштаб проблемы\u0026raquo;, - отмечает главный экономист \u0026quot;Альфа-Банка\u0026quot; Наталья Орлова.\u003C\/span\u003E\u003C\/div\u003E\r\n ","~DETAIL_TEXT":"\r\n\u003Cdiv align=\u0022justify\u0022\u003E\u003Cspan class=\u0022kobl-text-content\u0022\u003EПо мнению экспертов, принявших участие в интернет-конференции, организованной интернет-холдингом \u0026laquo;Финам\u0026raquo;, уровень просроченной задолженности российского банковского сектора к концу года может достигнуть 8-9\u0026#37;. На данный момент, согласно официальной статистике, данный показатель зафиксировался на уровне 2,3\u0026#37;. При этом, отмечается, что уровень просроченной задолженности достаточно сильно варьируется от банка к банку. В частности, показатели просроченной задолженности по кредитам предприятиям по группе госбанков составляют 1,9\u0026#37;, и 3,8\u0026#37; - по группе крупнейших частных банков. 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