Moscow hosted the first financial forum "Russia's financial system: post-crisis future." The participants reflect on the future development of the banking sector tomorrow. The main part of the discussion revolved around the development strategy of the national banking system until 2015. President, Association of Regional Banks of Russia Anatoly Aksakov called the document "sturdy". He noted that the primary goal should be to improve the accessibility of banking services, which are distributed throughout the country is highly uneven. For example, in the North Caucasus region is located only 5% of the volume of credit organizations of Moscow. Describing the current situation, Anatoly Aksakov reported that the number of unprofitable banks markedly reduced: in August there were 204, and by October this figure dropped to 138. Average profitability of banks in the year will be 15% and their profits increase by 2.5 times to 500 billion rubles. The banker said that to further strengthen the financial system in the State Duma, a proposal on the possibility of closing time deposit only 14 days after notice to the bank about its desire to do it. General Director of Deposit Insurance Agency, Alexander Turbanov noted that the government spent on sanitation of the banking system in crisis years, 336 billion rubles. Some of them have been allocated from the federal budget. But this practice invited to give. The expert believes that it is necessary to follow the American way, which implies a ban on bank bailouts at the expense of taxpayers. Over the past two years, the procedure refurbishment commenced in respect of 18 banks. For 15 of them were found investors to help restore the activity of organizations. In 2011 and 2012 financial recovery procedure is complete in 10 institutions. Aleksandrov Turbanov emphasized the injustice of the situation with the cleaning of a number of institutions. That bank, which undergoes "treatment" is not recognized by the bankrupt and his leadership will automatically avoid criminal liability for making available the credit institution before the crash. He suggested lawmakers consider a mechanism to establish order in this matter. For small banks intervened deputy head of the Federal Antimonopoly Service Andrei Kashevarov. He was rich in allegory. The fact that since 2012 have twice increased minimum capital requirements of banks: from 90 to 180 million rubles. Part of the agencies will be under threat of closure. The representative of the FAS Russia's banking system compared with the pastry, which sells cakes (small cans) and cake (large credit institutions). In his opinion, it's silly to give up cake, if they are in demand by consumers. "How can a small number of players in the market to provide a quality service? .. Can not be excluded from the life alive "- was indignant Antimonopolschiki. Officer reprimanded and the banks themselves, who openly cheat their customers: they say that betting on the loan is 18% per annum, and those 92% - for reporting to the regulator. "It is unacceptable at first borrower shod, and then strip the" - Andrew Kashevarov exalted approved. Their views on trends in the banking sector has shared the general director of Interfax-CEA, Michael Matovnikov. He believes that banks are no longer at high growth - gone are the days when their loan portfolios grew by 40-60% per year. For further development is necessary to increase the terms of issue of loans and lower their cost. Even in the near future banks would face a problem when through its lending activities, they will receive only 35% of revenue, the rest will have to make in providing other financial services: transfers, currency exchange, maintenance of accounts, etc. For this reason, banks will actually have to get re from credit institutions and financial institutions.
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