俄罗斯三大银行发展近况与趋势——基于年度报表的统计分析

Development Status and Trends of the Three Major Banks in Russia ——Statistical Analyses Based on Annual Reports

2013-2018年俄罗斯三大银行(俄罗斯联邦储蓄银行、俄罗斯联邦外贸银行和俄罗斯天然气工业银行)的年报和财务报表显示了近年来三大银行在总资产、存贷和收益方面的动态变化。从最新的统计数据可以看出,目前,俄罗斯三大银行在零售储蓄、中小型企业以及金融市场领域各有优势,其总资产净利润、净资产收益率以及人均净利润均呈增长态势,且在未来仍具有很大的上升空间。2014年金融危机以来,俄罗斯三大银行均进行了不同程度的改革和经营转型,效果明显,进一步提升了竞争力,并显著强化了抵御外界风险的能力。

In 2013-2018, the annual reports and financial statements of the three major Russian banks(Sberbank, VTB Capital and Gazprom Bank) had shown the dynamic changes in the total assets, deposits and loans of the three major banks in recent years. As can be seen from the latest statistics, at present, the three major banks in Russia have advantages in retail savings, small and medium-sized enterprises and financial markets, and their total net assets, return on net assets, and per capita net profit are all increasing. There is still a lot of room for growth in the future. Since the financial crisis in 2014, the three major banks have undergone different levels of reform and operational transformation, with obvious effects, further enhancing their competitiveness and significantly strengthening their ability to withstand external risks.