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ΘΕΜΑ: PSBANK CYPRUS

PSBANK CYPRUS 20 Μαϊ 2015 04:51 #37

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H PSB είναι ΜΟΝΟ ιντερνετική τράπεζα...Οταν από το υποκατάστημα σου χρεώνουν τριπλάσιες τιμές για όλες τις τραπεζικές εργασίες που μπορείς να κάνεις δωρεάν στο Ίντερνετ είναι προφανές ότι επιδιώκουν να γίνουν Advanzia/Nemea...Με τη διαφορά ότι έχουν ένα ΑΤΜ για να εξυπηρετούν τη ρώσικη κοινότητα της Λεμεσού...
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PSBANK CYPRUS 22 Ιουν 2015 20:37 #38

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H Moody's επιβεβαίωσε την Β1 αξιολόγηση της τράπεζας...



Rating Action: Moody's assigns Counterparty Risk Assessments to 17 Russian banks; affirms ratings of Promsvyazbank
Global Credit Research - 19 Jun 2015
London, 19 June 2015 -- Moody's Investors Service, (Moody's) has today assigned Counterparty Risk Assessments (CR Assessments) to 17 Russian banks. This announcement follows the publication of the rating agency's new bank rating methodology (see "Banks" published on 16 March 2015).

Concurrently, Moody's affirmed the ratings of Promsvyazbank. The outlook on its long-term deposit and senior unsecured debt ratings remains negative. Moody's has also withdrawn, for its own business reasons, the outlook on Promsvyazbank' subordinated debt ratings. Please refer to Moody's Investors Service's Policy for Withdrawal of Credit Ratings available on its website, www.moodys.com.

Please click here to access Moody's new bank rating methodology ("Banks," published on 16 March 2015)

www.moodys.com/research/Banks--PBC_179038. A full list of the affected ratings can be found at the end of this press release.

RATINGS RATIONALE

--Promsvyazbank

Moody's has affirmed Promsvyazbank's b1 baseline credit assessment (BCA), B1/Not Prime local and foreign-currency deposit ratings, B1 senior unsecured debt, B2 and B3 (hyb) subordinated debt ratings. The affirmations reflect Promsvyazbank's adequate funding and liquidity profiles; the bank has low exposure to refinancing risk and a sufficient buffer of liquid assets amounting to 20% of total assets as of year-end 2014. The bank's recent and upcoming capital injections will assist the bank to contain the magnitude of the anticipated negative pressure on its capital by year-end 2015. At the same time, the following factors constrain the bank's ratings: (1) challenging credit conditions in Russia that exert pressure on the bank's asset quality, profitability and capital adequacy; (2) heightened credit risk profile, given the sizeable exposure to loans denominated in foreign currency (about 39% of gross loans as of 1 April 2015); and (3) weak Tier 1 capital ratio of 8.0% (as reported under IFRS at year-end 2014).

The B1 deposit and senior unsecured debt ratings are at the same level as the bank's BCA and adjusted BCA, given that the ratings do not incorporate any government support uplift.

WHAT COULD CHANGE THE RATINGS UP/DOWN

The negative outlook on Promsvyazbank' long-term deposit and debt ratings imply that upward rating pressure is limited. The outlook on the long-term ratings could be changed to stable if (1) there are improvements in the operating environment conditions; and/or (2) if the bank improves its profitability and asset-quality metrics, while increasing its capital levels or maintaining them at adequate levels.

Downward rating pressure could emerge if the already unfavorable operating environment in Russia further deteriorates, putting additional pressure on the bank's asset quality, profitability and capital adequacy ratios

---
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Οι ακόλουθοι χρήστες είπαν "Σε Ευχαριστώ": Μενέλαος

PSBANK CYPRUS 16 Ιουλ 2015 01:02 #39

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Η Κεντρική Τράπεζα της Ρωσίας αυξάνει την υποχρεωτική Liquidity Coverage Ratio των δέκα μεγαλύτερων τραπεζών της χώρας στο 70%...
mobile.reuters.com/article/idUSL5N0ZV49M20150715?irpc=932
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PSBANK CYPRUS 05 Αυγ 2015 22:27 #40

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Fitch:Οι δέκα συστημικές τράπεζες της Ρωσίας πληρούν ήδη τα κριτήρια της Βασιλείας ΙΙΙ...

Fitch Ratings-Ldn/Colombo/Mumbai/Singapor-05 August 2015: Russia's 10 systemically important banks (SIBs), named by the Central Bank (CBR) last month, already meet initial Basel III capital requirements to be phased in from 2016. This is positive for the SIBs, which represent 60% of banking sector assets, because they are likely to find it more difficult to boost capital through retention of earnings given the increasingly tough operating environment, says Fitch Ratings.

The list of SIBs includes four state banks (Sberbank, VTB, Gazprombank, RusAg), three private banks (Alfa, Otkritie, Promsvyaz) and three foreign-owned subsidiaries (Unicredit, Rosbank, Raiffeisen).

Our sector outlook for Russian banks is negative and most banks, with the notable exception of the national leader, Sberbank, were loss-making in 1H15. Results would have been even weaker if certain losses had been charged through the profit and loss account and not deducted directly from equity. Financial aid from shareholders was also included in revenue rather than treated as a normal capital injection and banking sector profits as a whole were boosted because dividend income from local bank subsidiaries is double counted. The first half of 2015 saw weaker profitability throughout the banking sector. Retail lending contracted by 5%, corporate credit was stagnant and doubtful and loss loans increased, reaching 8.2% of total loans at end-May, up from 6.8% at end-2014. Net deposit inflows were low.

Core tier 1 capital adequacy ratios for the SIBs comply with, and in almost all cases are well above, the Basel III targets announced by the CBR. New regulations, effective January 2016, will be phased in by January 2019, in line with Basel III's standard timetable.

Russian banks must also meet three Basel capital buffers over and above the minimum 5% core Tier 1 capital ratio. All banks must comply with a capital conservation buffer, initially set at 0.625% of risk weighted assets (RWA), rising to 2.5% by January 2019. The capital conservation buffer is to offset losses incurred during a period of financial instability, which, arguably, Russia is facing now. Banks must establish a countercyclical buffer when regulators judge that credit growth is resulting in an unacceptable level of systemic risk. This has been set at 0% of RWA, which we agree with, given that lending in the sector is contracting. A further buffer is set for SIBs, at 0.15% of RWA from January 2016, increasing to 1% by January 2019.

Breaching a buffer will trigger a limitation on dividend distributions and bonus payments, which should act as a strong motivation for banks to remain compliant.

The new regulations mean that SIBs will need to maintain a core Tier 1 ratio of 5.775% from January 2016, rising to 8.5% by 2019. For other banks, the figures are 5.625% and 7.5%. As of 1 July 2015, all nominated Russian SIBs complied with the 2016 requirement: Sberbank (8.6%), VTB (10.3%), Gazprombank (7.5%), RusAg (10.0%), Alfa (7.5%), Otkritie (7.4%), Promsvyaz (6.1%), Unicredit (10.2%), Rosbank (8.5%), Raiffeisen (9.5%).

The capital ratios of at least four SIBs benefit from exchange rate forbearance permitted by CBR, but we estimate that the uplift is limited at between 60bp and 80bp. The unwinding of forbearance planned for October 2015 should not impact their ability to meet the new capital requirements.

The SIBs may be able to make capital savings once the CBR allows them to use Basel II's advanced internal ratings-based (AIRB) approach to credit risk assessment. Banks will be able to apply for using these models in 2016 but we believe approvals may take time to come through. Larger Russian banks have been working on their AIRB models over the last two or three years, while foreign subsidiaries already use them for parent reporting purposes.

SIBs will have to meet a minimum 60% Basel III short-term liquidity coverage ratio by October 2015. We will assess the impact of this liquidity requirement when banks publish their regulatory reports.

Contact:

Alexaner Danilov
Senior Director
Financial Institutions
+7 495 956 24 08
Fitch Ratings CIS Limited
26 Valovaya Street
Moscow 115054

James Watson
Managing Director
Financial Institutions
+7 495 956 6657

Janine Dow
Senior Director
Fitch Wire
+44 20 3530 1464
Fitch Ratings Limited
30 North Colonnade
London
E14 5GN



Media Relations: Elaine Bailey, London, Tel: +44 203 530 1153, Email: Αυτή η διεύθυνση ηλεκτρονικού ταχυδρομείου προστατεύεται από κακόβουλη χρήση. Χρειάζεται να ενεργοποιήσετε την Javascript για να τη δείτε. .

The above article originally appeared as a post on the Fitch Wire credit market commentary page. The original article can be accessed at www.fitchratings.com. All opinions expressed are those of Fitch Ratings.

ALL FITCH CREDIT RATINGS ARE SUBJECT TO CERTAIN LIMITATIONS AND DISCLAIMERS. PLEASE READ THESE LIMITATIONS AND DISCLAIMERS BY FOLLOWING THIS LINK: FITCHRATINGS.COM/UNDERSTANDINGCREDITRATINGS. IN ADDITION, RATING DEFINITIONS AND THE TERMS OF USE OF SUCH RATINGS ARE AVAILABLE ON THE AGENCY'S PUBLIC WEBSITE 'WWW.FITCHRATINGS.COM'. PUBLISHED RATINGS, CRITERIA AND METHODOLOGIES ARE AVAILABLE FROM THIS SITE AT ALL TIMES. FITCH'S CODE OF CONDUCT, CONFIDENTIALITY, CONFLICTS OF INTEREST, AFFILIATE FIREWALL, COMPLIANCE AND OTHER RELEVANT POLICIES AND PROCEDURES ARE ALSO AVAILABLE FROM THE 'CODE OF CONDUCT' SECTION OF THIS SITE. FITCH MAY HAVE PROVIDED ANOTHER PERMISSIBLE SERVICE TO THE RATED ENTITY OR ITS RELATED THIRD PARTIES. DETAILS OF THIS SERVICE FOR RATINGS FOR WHICH THE LEAD ANALYST IS BASED IN AN EU-REGISTERED ENTITY CAN BE FOUND ON THE ENTITY SUMMARY PAGE FOR THIS ISSUER ON THE FITCH WEBSITE.
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PSBANK CYPRUS 09 Σεπ 2015 14:25 #41

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Τελευταία διόρθωση: 09 Σεπ 2015 14:35 από Dimitris (Bomberman).
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PSBANK CYPRUS 09 Σεπ 2015 14:50 #42

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