In 2014, VTB Kursk work was under the auspices of improving the efficiency and included three main areas: building and development of the customer base, increasing business and business diversification.
The most impressive dynamics was recorded in a passive portfolio: the volume of term corporate funds on January 1, 2015 amounted to 16 billion rubles. The total amount of borrowed resources increased compared to the beginning of the year to a record 12 times and exceeded 16.6 billion rubles, compared with 1.4 billion at the beginning of the year.
«For many of our customers, we have a settlement bank, provide a wide range of services – guarantees payments via letter of credit, deposits. And a number of other services aimed at the development of transactional business, “- said the head of the Directorate of VTB Bank in the Kursk region Eugene Kirin .
Last year, the bank was able to increase operating income by 20% as an indicator of the efficiency and profitability of the business. Net fee and commission income also increased by more than 20%. Especially Eugene A. noted that demonstrates a positive trend and risk-free income.
The credit portfolio of the bank increased the Kursk division by 46.5% compared to the beginning of the year. Since January last year, was signed 87 new credit agreements totaling 10.8 billion rubles. By the end of 2014 the volume of credit granted by the bank VTB enterprises and organizations of the real sector of the economy in Kursk region, exceeded 16.5 billion rubles.
Despite the changed situation in the country, the share of long-term loans – for investment projects in the project financing. And it is for such projects worth emergence of new industries and therefore new jobs. As a rule, the company created a new technological level and this allows them to compete in the challenging conditions of import substitution.
The main branches, which VTB Kursk cooperated in terms of investment projects – agriculture, food and processing industry, heavy industry. Over 2014 projects have been funded for a total amount in excess of 3 billion rubles.
Still, the bank plans to retain the role of the main creditor of the national and regional economy. Now Eugene Kirin said the number grew up in loans to customers, mainly due to the representatives of medium-sized business segment. That representatives of business of this scale are in the area of increased attention because of the possibility to adapt quickly. The Bank has established a global business line “Medium Business”, which offers to customers and wide range of options and individual conditions.
Also last year, the bank worked in maintaining asset quality and risk management. “Despite the fact that changes were made to the monetary policy of the Central Bank, we were able to maintain the high quality of the loan portfolio. The level of bad debts is less than 2%, which is better than the whole industry. Now due to the impact of the devaluation, stagnation in consumer spending, as well as increasing the cost of capital, some sectors of business are at high risk. But thanks to the competent approach, balancing the debt and given the state of today’s economy, our customers are in good shape, “- admitted Evgeniy.
Significantly increased portfolio documentary Kursk VTB as a whole was given bank guarantees totaling 1.4 billion rubles, an increase for the year amounted to about 40%. In this highly diversified portfolio guarantees, formed clients of different sectors of the economy and provides various types of guarantees. Letters of credit also tended to increase – more than 50% for the year.
However, Eugene Kirin admitted that in the fourth quarter of 2014 there was a certain decrease in the activity of borrowers. “This is quite an adequate response to the key rate increase, which took place on December 16th. Dramatize this event is not worth it, anti-crisis measures in the near future will bring results. Now there’s a new potential associated with the rate of the national currency. Enterprises have released a niche that can be filled through import substitution. We expect that the number of applications at the end of the first quarter of 2015 will be released at the appropriate level, “- said the director of the Kursk VTB.
Separately, Eugene A. noted the ability of the Kursk region to adapt to these difficult conditions. Now most of the work aimed at the development of agriculture of the country, yielding positive results. Increased relevance of agricultural production, and the Kursk region has something to offer. “The region has increased rates for livestock, crops, and is actively developing infrastructure processing industry. There are a number of companies that after the upgrade will be able to compete with European ».
With the participation of VTB Bank, as well as the business community at the meeting of the expert group of the Agency for Strategic Initiatives in the Kursk region was introduced regional investment standard, which is a set of best practices that make the region a more favorable environment for potential investors.
In addition to active participation in the financial life of the Kursk region, the Bank is working in the public sphere: in particular, in the public councils ATC Kursk, UFSSP in the Kursk region, the regional administration discuss issues related to the investment climate.
Also, VTB Bank pays great attention to charitable activities. And in 2015, albeit on a smaller scale, but is committed to continuing its work on this path. In November, it is expected that in Kursk for the third time will host the “World Without Tears”, aimed at the acquisition of medical equipment for the children’s hospital. Also for the little patients will be prepared celebratory program.
Eugene Kirin commented on the results of the year: “Last year we managed to maintain a strong position in the banking market in the region, although in 2015 we do not expect a high rate of growth of the loan portfolio in the corporate segment. In general, I can say that the basic rate in the current economic situation, we are still going to do in the medium-sized business segment. Such companies have more opportunities for growth, since by virtue of the scale of business and mobility they quickly adapt to changes in the economic environment ».
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