The Instruction of the Central Bank of Russia as of 11.05.2021 №5791-I updated the requirements to content and format of the requests for the credit history report, search rules of credit history bureau (CHB), information on credit history subjects and affirmation statement of consent availability of credit history subjects.
In particular, the requests addressed to CHB should have the XML format.
CHB should search for the information on the credit history subjects, comparing the data sets from requests and title parts of credit histories of the credit history subjects. A credit report is delivered to the users of credit histories, if there is a match of at least one data set from the request and title part of the credit history in relation to the only one credit history subject.
Content of data included in the request, data sets for search of the information on the credit history subjects and affirmation statement of consent availability of credit history subjects are provided in the appendices to the Instruction.
The updated requirements will come into force since January 1st, 2022.
According to the data of the Central Bank of Russia as of 06.08.2021, the data on 8 enterprises is contained in the State register of credit history bureaus. Users of the Information and Analytical system Globas can get the all the available information on them.
Information agency Credinform represents a review of activity trends among the companies in Kazan.
The largest companies with the highest annual revenue (TOP 1000) were selected for the ranking, according to the data from the Statistical Register and the Federal Tax Service for the latest available periods (2016 – 2020). The selection and analysis of companies were based on the data of the Information and Analytical system Globas.
The largest company in term of net assets is LLC TELECOM-MANAGEMENT, INN 1655061006, investment in securities. In 2020, net assets value of the company almost amounted to 237 billion RUB.
The lowest net assets value among TOP 1000 belonged to JSC KAZSTROYINVEST, INN 1660054950, rental and management of own or leased real estate. In 2020, insufficiency of property of the enterprise was indicated in negative value of -8 billion RUB.
Covering the five-year period, the average net assets values of TOP 100 have a trend to increase with the decreasing growth rate (Picture 1).
Over the past five years, the share of companies with insufficient property had a negative trend to increase (Picture 2).
In 2020, the revenue volume of ten largest companies was 38% of total TOP 1000 revenue (Picture 3). This is indicative of a relatively high level of capital concentration among companies in Kazan.
In general, there is a trend to increase in revenue with the decreasing growth rate (Picture 4).
Profit and loss
In 2020, the largest organization in term of profit was KAZAN PJSC ORGANIC SYNTHESIS, INN 1658008723, manufacture of plastics and synthetic resins in primary forms. The company’s profit almost amounted to 9 billion RUB. Covering the five-year period, there is a trend to decrease in average net profit and growth rate (Picture 5).
For the five-year period, the average profit of TOP 1000 have the decreasing trend with the increasing net loss (Picture 6).
Key financial ratios
Covering the five-year period, the average values of the current liquidity ratio were above the recommended one - from 1,0 to 2,0 with a trend to decrease (Picture 7).
Covering the five-year period, the average values of ROI ratio had a trend to decrease (Picture 8).
Covering the five-year period, business activity ratio demonstrated the decreasing trend (Picture 9).
77% of companies of TOP 1000 are registered in the Register of small and medium-sized enterprises of the Federal Tax Service of the Russian Federation. In 2020, their share in total revenue of TOP 1000 is 19,6%, slightly lower than the average country values in 2018-2019 (Picture 10).
Financial position score
Assessment of the financial position of TOP 1000 companies shows that the financial position of the majority of them is above average (Picture 11).
Complex assessment of activity of largest companies in Kazan, taking into account the main indexes, financial ratios and indicators, demonstrates the prevalence of positive trends in their activities in 2016 - 2020 (Table 1).
|Trends and evaluation factors||Relative share of factors, %|
|Dynamics of the average net assets value||10|
|Rate of growth (decrease) in the average size of net assets||-10|
|Increase (decrease) in the share of enterprises with negative values of net assets||-10|
|Level of competition / monopolization||-10|
|Dynamics of the average revenue||10|
|Rate of growth (decrease) in the average size of revenue||-10|
|Dynamics of the average profit (loss)||-10|
|Rate of growth (decrease) in the average profit (loss)||-10|
|Growth / decline in average values of companies’ net profit||-10|
|Growth / decline in average values of companies’ net loss||-10|
|Increase / decrease in average values of total liquidity ratio||-5|
|Increase / decrease in average values of return on investment ratio||-10|
|Increase / decrease in average values of asset turnover ratio, times||-10|
|Share of small and medium-sized businesses in terms of revenue being more than 20%||5|
|Financial position (the largest share)||10|
|Solvency index Globas (the largest share)||10|
|Average value of relative share of factors||-3,8|
positive trend (factor), negative trend (factor)