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воскресенье, 23 июля 2017 г.

Dominance of financial oligarchy

The population is poorer, the banks are getting fat: the credit organizations recorded a record profit
Russians themselves carry their money in them
Revenues of Russian banks reached a historic high by the end of the first half of 2017. The profit of the banking sector exceeded 750 billion rubles - this amount was not even in pre-crisis times. This was reported in the information and analytical material of the Bank of Russia 'Financial Review'.

As follows from the review of the Central Bank, the profit was achieved by reducing the cost of reserves, from which the financial losses of banks are compensated, which was previously much hindered by the increase in bank profits. These costs were reduced to 300 billion rubles, which is almost a quarter less than a year earlier and half as much as in the crisis years 2014 and 2015. The report notes that another reason for the 'successful harvest' in the banks was the restoration of domestic demand among consumers and the growth of real wages, which allowed borrowers to pay more regularly for credit obligations.

According to the National Bureau of Credit Histories, the population owes banks about a trillion rubles. At the same time, Russians were more occupied because of a fall in incomes, which has been going on for two years, and during this time it was 15%. In the first half of 2017, according to Rosstat, revenues continued to decline, but did not grow, according to the Central Bank. As experts note, the decline in household incomes has strongly affected the attitude of Russians to financial products - they have become better paid for loans, which has positively affected the proceeds of banks.

In an interview with 'MK' senior researcher of the Institute of Economic Policy. E. Gaidar Sergey Zhavoronkov noted that banking activity in Russia has always been very profitable, and it is possible to earn billions of banks on the difference between high lending rates and low deposit rates. 'With annual inflation of 5%, which the authorities report to us, even a large borrower can not get a loan cheaper than 12-13%, and consumer loan rates are approaching 20% ​​or more. At the same time, the gap between the refinancing rate and lending rates in Russia is very large. In addition, many banks in our country enjoy the support of the state in the form of contributions to the authorized capital, and can afford little to worry about, 'the expert believes.

Inna Degotkova 

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