Universal banks - the leaders of credit in commercial networks

A study conducted by consulting company «Frank Research Group», showed that universal banks pushed specialized. Thus, in the second quarter was a change of the market leaders in express lending in commercial networks (POS-lending), writes Kommersant. Russian Standard, which specializes on this segment has lost the position and fell out of the three leaders. Now the portfolio POS-bank loans 9.1% or 9 billion rubles. At the moment, the third place belongs to the "Alpha-bank" (a market share of 10,2%), second place is "OTP Bank (18.2% and 17.9 billion rubles.), And the first -" HKF Bank ( market share of 27.2%, portfolio POS-loans 26.7 billion rubles).. At the same time, «Frank Research Group» came to the conclusion that prior to the crisis of power in the market POS-lending was different. Then the biggest players in this segment were exactly the specialized banks: "Russian Standard" (it accounted for 24,9% of the market), "HCFB (22,1%) and" Renaissance Credit "(12,2%). With regard to the latter, now the bank and do is at the 9 th position (market share 1.2%). The reason was a full stop business in crisis in autumn 2008 due to liquidity problems. Another ex-leader, "Russian Standard", according to analysts «Frank Research Group», consciously fizzled out. The fact that late last year, the bank revised its strategy, and now express lending in the stores is not for him a priority. However, other banks, by contrast, began to take an active interest in the POS-credit. And not in vain, because it is the most profitable form of lending rates for them to reach 40-60%. Thus, their desire to enter this market already have such giants as VTB and Sberbank ".