The banking sector of the Republic of Belarus (as of June 1, 2015)
The banking sector of the Republic of Belarus comprises 31 banks (of which 3 banks have been revoked a special permit (license) to conduct banking activities). Foreign capital is present in 26 banks, wherein the share of foreign investors in the authorized capital of 20 banks exceeds 50%, including:
6 banks - with 100% foreign capital,
14 banks - with the share of foreign capital ranging from 50% to 100%.
7 representative offices of foreign banks are present in the Republic of Belarus, including: Russian banks - 3, Latvian banks - 2, German bank - 1, and a representative office of the Interstate bank.
The banking sector assets amounted to 547,050.6 billion rubles, increase for January-May 2015 was 13.6%. The share of assets in foreign currency since the beginning of the year increased from 52.5% as of January 1, to 58.5% on June 1 in 2015.
The share of assets in foreign currency since the beginning of the year increased from 52.5% as of January 1, to 58.5% on June 1 in 2015.
For reference: banks' assets on January 1, 2015 - 481,530.8 billion rubles. Increase for 2014 - 21.9%.
Earning assets amounted to 500,554.9 billion rubles, or 88.5% of net assets.
For reference: earning assets on January 1, 2015 - 437 897.9 billion rubles, or 88.1% of net assets.
Profits earned by banks for January - May 2015 amounted to 1 633.9 billion rubles, for the same period in 2014 - 2 440.5 billion rubles.
For reference: in 2014, banks’ profits totaled 7,593.8 billion rubles, in 2013 – 6,823.1 billion rubles, in 2012 – 5,394.1 billion rubles.
Bank profitability (annualized) on June 1, 2015:
- Profit to assets: 1.36%;
- Profit to regulatory capital: 11.08%.
The aggregate registered authorized capital of the banking sector in January - May 2015 increased by 105.8 billion rubles, and on June 1, 2015 amounted to 33 721.7 billion rubles, or about 2.3 billion in US dollars equivalent.
The amount of regulatory capital of the banking sector amounted to 63 466.3 billion rubles, increased by 1 224.9 billion rubles, or by 2 percent in nominal terms since the beginning of the year. The bulk of the banking sector capital was concentrated in the five largest banks, totaling 70.9%.
Debts of customers and banks for loans and other active operations on June 1, 2015 amounted to 410 665.9 billion rubles, having increased in January - May 2015 by 13.6% (January 1st, 2015 - 361 458.7 billion rubles). In January - May 2015, the proportion of bad debts from banks and customers in the total amount of credit debt of the banking sector increased by 0.47 percentage points and amounted to 1.83% as of June 1, 2015.
On June 1, 2015 the total bad debts (prolonged and overdue credit indebtedness of clients and banks, bad debts imposed for balance, overdue and lost income of customers and banks) increased to 23 779.7 billion rubles (January 1, 2015 - 15 768 billion rubles).Treated as customers’ and banks’ loan debts, these bad debts amounted to 5.79%.
As of June 1, 2015, the prudential statutory minimum amount of regulatory capital of the bank was as follows:
- for an operating bank (no less than 25 million euro equivalent, value is set since January 1, 2015);
- for an operating bank with the right to conduct banking operations to attract funds of natural persons who are not individual entrepreneurs to accounts and (or) in deposits, and (or) open and maintain bank accounts of such natural persons (no less than 25 million euro equivalent).
As of June 1, 2015, the average short-term liquidity requirement in the banking sector was 1.72 (the specified prudential requirement – 1.0).
As of the specified date, the regulatory capital adequacy in the banking sector was 17% (as of January 1, 2015 – 17.4%).
All the banks comply with the regulatory capital adequacy requirements (10% min.) and basic capital adequacy requirements (5% min.).