By Helgi Analytics - September 14, 2018
AK BARS Bank's non-performing loans reached 1.62% of total loans at the end of 2017, down from 3.00% compared to the previous yea...
By Helgi Analytics - September 14, 2018
AK BARS Bank made a net profit of RUB 7.28 bil under revenues of RUB 26.3 bil in 2017, up 43.5% and -21.5% respectively compared to t...
By Helgi Analytics - November 29, 2018
AK BARS Bank's mortgage loans reached RUB 44.5 bil in 2017, up 9.74% compared to the previous year. Russian banking sector prov...
| Profit Statement | 2015 | 2016 | 2017 | |
| Net Interest Income | RUB bil | 1.21 | 7.34 | 9.35 |
| Net Fee Income | RUB bil | 1.97 | 2.30 | 2.69 |
| Other Income | RUB bil | 17.1 | 23.9 | 14.2 |
| Total Revenues | RUB bil | 20.3 | 33.5 | 26.3 |
| Staff Cost | RUB bil | 4.53 | 4.04 | 4.72 |
| Operating Profit | RUB bil | 11.6 | 25.3 | 15.6 |
| Provisions | RUB bil | 14.7 | 19.3 | 6.91 |
| Net Profit | RUB bil | -2.66 | 5.07 | 7.28 |
| Balance Sheet | 2015 | 2016 | 2017 | |
| Interbank Loans | RUB bil | 13.2 | 20.8 | 45.3 |
| Customer Loans | RUB bil | 252 | 212 | 175 |
| Total Assets | RUB bil | 443 | 403 | 386 |
| Shareholders' Equity | RUB bil | 35.6 | 44.7 | 58.6 |
| Interbank Borrowing | RUB bil | 34.6 | 9.96 | 14.5 |
| Customer Deposits | RUB bil | 240 | 265 | 291 |
| Issued Debt Securities | RUB bil | 117 | 66.7 | 19.1 |
| Ratios | 2015 | 2016 | 2017 | |
| ROE | % | -8.08 | 12.6 | 14.1 |
| ROA | % | -0.608 | 1.20 | 1.84 |
| Costs (As % Of Assets) | % | 1.99 | 1.93 | 2.70 |
| Costs (As % Of Income) | % | 42.9 | 24.4 | 40.6 |
| Capital Adequacy Ratio | % | 18.4 | 14.0 | 14.0 |
| Net Interest Margin | % | 0.277 | 1.73 | 2.37 |
| Loans (As % Of Deposits) | % | 105 | 80.1 | 60.0 |
| NPLs (As % Of Loans) | % | 5.80 | 3.00 | 1.62 |
| Provisions (As % Of NPLs) | % | 173 | 339 | 442 |
| Growth Rates | 2015 | 2016 | 2017 | |
| Total Revenue Growth | % | 120 | 65.2 | -21.5 |
| Operating Cost Growth | % | 2.30 | -6.00 | 30.4 |
| Operating Profit Growth | % | 1,586 | 119 | -38.4 |
| Net Profit Growth | % | 139 | -290 | 43.5 |
| Customer Loan Growth | % | -8.18 | -15.9 | -17.8 |
| Total Asset Growth | % | 2.24 | -8.94 | -4.26 |
| Customer Deposit Growth | % | 12.1 | 10.6 | 9.77 |
| Shareholders' Equity Growth | % | 17.5 | 25.6 | 31.0 |
| Employees | ... | ... | ... | |
Get all company financials in excel:
| summary | Unit | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
| income statement | ||||||||||
| Net Interest Income | RUB bil | 3.90 | 6.44 | 7.58 | 7.52 | 1.21 | ||||
| Total Revenues | RUB bil | 1.53 | 12.6 | 13.4 | 9.20 | 20.3 | ||||
| Operating Profit | RUB bil | -4.81 | 5.48 | 5.70 | 0.686 | 11.6 | ||||
| Net Profit | RUB bil | -3.45 | 2.00 | 2.38 | -1.11 | -2.66 | ||||
| balance sheet | ||||||||||
| Interbank Loans | RUB bil | 3.43 | 3.90 | 0.900 | 3.60 | 13.2 | ||||
| Customer Loans | RUB bil | 176 | 204 | 224 | 275 | 252 | ||||
| Debt Securities | RUB bil | 31.1 | 30.3 | 53.3 | 68.7 | 111 | ||||
| Total Assets | RUB bil | 287 | 317 | 347 | 433 | 443 | ||||
| Shareholders' Equity | RUB bil | 26.8 | 28.4 | 30.8 | 30.3 | 35.6 | ||||
| Interbank Borrowing | RUB bil | 40.4 | 37.5 | 27.6 | 48.7 | 34.6 | ||||
| Customer Deposits | RUB bil | 164 | 175 | 203 | 214 | 240 | ||||
| Issued Debt Securities | RUB bil | 17.2 | 58.8 | 67.7 | 108 | 117 | ||||
| ratios | ||||||||||
| ROE | % | -12.3 | 7.25 | 8.03 | -3.64 | -8.08 | ||||
| ROA | % | -1.33 | 0.662 | 0.715 | -0.285 | -0.608 | ||||
| Costs (As % Of Assets) | % | 2.45 | 2.34 | 2.33 | 2.18 | 1.99 | ||||
| Costs (As % Of Income) | % | 414 | 56.4 | 57.6 | 92.5 | 42.9 | ||||
| Capital Adequacy Ratio | % | 11.8 | 13.6 | 14.5 | 11.2 | 18.4 | ||||
| Net Interest Margin | % | 1.51 | 2.13 | 2.28 | 1.93 | 0.277 | ||||
| Interest Income (As % Of Revenues) | % | 255 | 51.2 | 56.4 | 81.8 | 5.98 | ||||
| Fee Income (As % Of Revenues) | % | 70.9 | 10.2 | 11.4 | 18.0 | 9.73 | ||||
| Staff Cost (As % Of Total Cost) | % | ... | 45.9 | 50.8 | 51.2 | 50.3 | 52.1 | |||
| Equity (As % Of Assets) | % | 9.34 | 8.95 | 8.87 | 6.99 | 8.04 | ||||
| Loans (As % Of Deposits) | % | 108 | 116 | 110 | 129 | 105 | ||||
| Loans (As % Assets) | % | 61.3 | 64.3 | 64.5 | 63.4 | 57.0 | ||||
| NPLs (As % Of Loans) | % | ... | ... | ... | 7.20 | 6.90 | 5.50 | 5.80 | ||
| Provisions (As % Of NPLs) | % | ... | ... | ... | 129 | 124 | 117 | 173 |
| income statement | Unit | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
| income statement | ||||||||||
| Interest Income | RUB bil | ... | 20.8 | 24.4 | 28.7 | 32.5 | 41.6 | |||
| Interest Cost | RUB bil | ... | 16.9 | 18.0 | 21.1 | 24.9 | 40.4 | |||
| Net Interest Income | RUB bil | 3.90 | 6.44 | 7.58 | 7.52 | 1.21 | ||||
| Net Fee Income | RUB bil | 1.09 | 1.28 | 1.53 | 1.66 | 1.97 | ||||
| Other Income | RUB bil | -3.46 | 4.85 | 4.32 | 0.016 | 17.1 | ||||
| Total Revenues | RUB bil | 1.53 | 12.6 | 13.4 | 9.20 | 20.3 | ||||
| Staff Cost | RUB bil | ... | 2.91 | 3.60 | 3.96 | 4.28 | 4.53 | |||
| Depreciation | RUB bil | ... | 0.462 | 0.378 | 0.461 | 0.496 | 0.468 | |||
| Other Cost | RUB bil | ... | 2.97 | 3.11 | 3.32 | 3.73 | 3.70 | |||
| Operating Cost | RUB bil | 6.35 | 7.09 | 7.74 | 8.51 | 8.71 | ||||
| Operating Profit | RUB bil | -4.81 | 5.48 | 5.70 | 0.686 | 11.6 | ||||
| Provisions | RUB bil | -0.642 | 3.12 | 2.88 | 2.04 | 14.7 | ||||
| Extra and Other Cost | RUB bil | 0.001 | 0 | 0 | 0 | 0 | ||||
| Pre-Tax Profit | RUB bil | -4.17 | 2.37 | 2.81 | -1.35 | -3.16 | ||||
| Tax | RUB bil | -0.721 | 0.367 | 0.437 | -0.241 | -0.498 | ||||
| Minorities | RUB bil | 0 | 0 | 0 | 0 | 0 | ||||
| Net Profit | RUB bil | -3.45 | 2.00 | 2.38 | -1.11 | -2.66 | ||||
| growth rates | ||||||||||
| Net Interest Income Growth | % | ... | -30.0 | 65.0 | 17.7 | -0.769 | -83.9 | |||
| Net Fee Income Growth | % | ... | 5.64 | 17.9 | 19.7 | 8.06 | 19.1 | |||
| Total Revenue Growth | % | ... | -80.8 | 721 | 6.90 | -31.6 | 120 | |||
| Operating Cost Growth | % | ... | 25.8 | 11.7 | 9.25 | 9.94 | 2.30 | |||
| Operating Profit Growth | % | ... | -265 | -214 | 3.88 | -88.0 | 1,586 | |||
| Pre-Tax Profit Growth | % | ... | -258 | -157 | 18.8 | -148 | 133 | |||
| Net Profit Growth | % | ... | -258 | -158 | 18.8 | -147 | 139 | |||
| market share | ||||||||||
| Market Share in Revenues | % | 0.044 | 0.317 | 0.297 | 0.153 | 0.303 | ||||
| Market Share in Net Profit | % | ... | 0.253 | 0.327 | ... | ... | ||||
| Market Share in Employees | % | ... | ... | ... | ... | ... | 0.655 | ... | ... | ... |
| Market Share in Branches | % | ... | 0.827 | 0.908 | 0.923 | 0.916 | 0.919 |
| balance sheet | Unit | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
| balance sheet | ||||||||||
| Cash | RUB bil | 18.9 | 36.0 | 39.4 | 41.4 | 28.1 | ||||
| Interbank Loans | RUB bil | 3.43 | 3.90 | 0.900 | 3.60 | 13.2 | ||||
| Customer Loans | RUB bil | 176 | 204 | 224 | 275 | 252 | ||||
| Retail Loans | RUB bil | ... | 30.2 | 40.8 | 51.5 | 63.2 | 58.1 | |||
| Mortgage Loans | RUB bil | ... | 13.1 | 19.5 | 24.7 | 31.2 | 34.0 | |||
| Consumer Loans | RUB bil | ... | 17.1 | 21.4 | 26.8 | 32.1 | 24.1 | |||
| Corporate Loans | RUB bil | ... | 146 | 163 | 172 | 212 | 194 | |||
| Debt Securities | RUB bil | 31.1 | 30.3 | 53.3 | 68.7 | 111 | ||||
| Fixed Assets | RUB bil | 3.00 | 3.23 | 2.99 | 3.86 | 3.72 | ||||
| Total Assets | RUB bil | 287 | 317 | 347 | 433 | 443 | ||||
| Shareholders' Equity | RUB bil | 26.8 | 28.4 | 30.8 | 30.3 | 35.6 | ||||
| Of Which Minority Interest | RUB bil | 0 | 0 | 0 | 0 | 0 | ||||
| Liabilities | RUB bil | 260 | 289 | 316 | 403 | 407 | ||||
| Interbank Borrowing | RUB bil | 40.4 | 37.5 | 27.6 | 48.7 | 34.6 | ||||
| Customer Deposits | RUB bil | 164 | 175 | 203 | 214 | 240 | ||||
| Retail Deposits | RUB bil | ... | 58.3 | 61.9 | 73.7 | 80.6 | 99.2 | |||
| Corporate Deposits | RUB bil | ... | 105 | 113 | 129 | 133 | 140 | |||
| Sight Deposits | RUB bil | ... | 51.8 | 64.9 | 75.2 | 59.9 | 59.9 | |||
| Term Deposits | RUB bil | ... | 112 | 110 | 128 | 154 | 180 | |||
| Issued Debt Securities | RUB bil | 17.2 | 58.8 | 67.7 | 108 | 117 | ||||
| Other Liabilities | RUB bil | 39.0 | 17.4 | 17.8 | 33.0 | 16.3 | ||||
| asset quality | ||||||||||
| Non-Performing Loans | RUB bil | ... | ... | ... | 16.2 | 16.9 | 16.2 | 16.3 | ||
| Gross Loans | RUB bil | 194 | 225 | 245 | 294 | 281 | ||||
| Total Provisions | RUB bil | 18.3 | 20.9 | 21.0 | 18.9 | 28.2 | ||||
| growth rates | ||||||||||
| Customer Loan Growth | % | ... | 23.8 | 16.1 | 9.60 | 22.8 | -8.18 | |||
| Retail Loan Growth | % | ... | ... | 44.9 | 35.2 | 26.0 | 22.8 | -8.18 | ||
| Mortgage Loan Growth | % | ... | ... | 24.1 | 48.6 | 26.9 | 26.2 | 8.96 | ||
| Consumer Loan Growth | % | ... | ... | 66.3 | 25.0 | 25.3 | 19.7 | -24.8 | ||
| Corporate Loan Growth | % | ... | ... | 20.1 | 12.1 | 5.49 | 22.8 | -8.18 | ||
| Total Asset Growth | % | ... | 24.3 | 10.6 | 9.36 | 24.8 | 2.24 | |||
| Shareholders' Equity Growth | % | ... | -9.03 | 5.94 | 8.45 | -1.62 | 17.5 | |||
| Customer Deposit Growth | % | ... | 29.3 | 7.19 | 15.9 | 5.22 | 12.1 | |||
| Retail Deposit Growth | % | ... | ... | 18.3 | 6.28 | 19.1 | 9.32 | 23.0 | ||
| Corporate Deposit Growth | % | ... | ... | 36.3 | 7.69 | 14.2 | 2.88 | 5.43 | ||
| market share | ||||||||||
| Market Share in Customer Loans | % | 0.708 | 0.683 | 0.630 | 0.605 | 0.513 | ||||
| Market Share in Corporate Loans | % | ... | 0.897 | 0.878 | 0.815 | 0.773 | 0.639 | |||
| Market Share in Retail Loans | % | ... | 0.421 | 0.373 | 0.366 | 0.411 | 0.360 | |||
| Market Share in Consumer Loans | % | ... | 0.545 | 0.529 | 0.517 | 0.558 | 0.543 | |||
| Market Share in Mortgage Loans | % | ... | 0.886 | 0.975 | 0.932 | 0.883 | 0.853 | |||
| Market Share in Total Assets | % | 0.737 | 0.681 | 0.640 | 0.593 | 0.576 | ||||
| Market Share in Customer Deposits | % | 0.928 | 0.853 | 0.853 | 0.680 | 0.640 | ||||
| Market Share in Retail Deposits | % | ... | 0.497 | 0.435 | 0.435 | 0.435 | 0.427 | |||
| Market Share in Corporate Deposits | % | ... | 1.26 | 1.18 | 1.19 | 0.783 | 0.738 |
| ratios | Unit | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
| ratios | ||||||||||
| ROE | % | -12.3 | 7.25 | 8.03 | -3.64 | -8.08 | ||||
| ROA | % | -1.33 | 0.662 | 0.715 | -0.285 | -0.608 | ||||
| Costs (As % Of Assets) | % | 2.45 | 2.34 | 2.33 | 2.18 | 1.99 | ||||
| Costs (As % Of Income) | % | 414 | 56.4 | 57.6 | 92.5 | 42.9 | ||||
| Capital Adequacy Ratio | % | 11.8 | 13.6 | 14.5 | 11.2 | 18.4 | ||||
| Tier 1 Ratio | % | 9.40 | 9.10 | 9.70 | 7.50 | 7.30 | ||||
| Net Interest Margin | % | 1.51 | 2.13 | 2.28 | 1.93 | 0.277 | ||||
| Interest Spread | % | ... | 0.711 | 1.53 | 1.66 | 1.39 | -0.473 | |||
| Asset Yield | % | ... | 8.04 | 8.09 | 8.64 | 8.32 | 9.50 | |||
| Cost Of Liabilities | % | ... | 7.33 | 6.55 | 6.98 | 6.94 | 9.97 | |||
| Interest Income (As % Of Revenues) | % | 255 | 51.2 | 56.4 | 81.8 | 5.98 | ||||
| Fee Income (As % Of Revenues) | % | 70.9 | 10.2 | 11.4 | 18.0 | 9.73 | ||||
| Other Income (As % Of Revenues) | % | -226 | 38.6 | 32.2 | 0.174 | 84.3 | ||||
| Cost Per Employee | USD per month | ... | ... | ... | ... | ... | 1,226 | ... | ... | ... |
| Cost Per Employee (Local Currency) | RUB per month | ... | ... | ... | ... | ... | 57,360 | ... | ... | ... |
| Staff Cost (As % Of Total Cost) | % | ... | 45.9 | 50.8 | 51.2 | 50.3 | 52.1 | |||
| Equity (As % Of Assets) | % | 9.34 | 8.95 | 8.87 | 6.99 | 8.04 | ||||
| Loans (As % Of Deposits) | % | 108 | 116 | 110 | 129 | 105 | ||||
| Loans (As % Assets) | % | 61.3 | 64.3 | 64.5 | 63.4 | 57.0 | ||||
| NPLs (As % Of Loans) | % | ... | ... | ... | 7.20 | 6.90 | 5.50 | 5.80 | ||
| Provisions (As % Of NPLs) | % | ... | ... | ... | 129 | 124 | 117 | 173 | ||
| Provisions (As % Of Loans) | % | 10.4 | 10.2 | 9.38 | 6.88 | 11.2 | ||||
| Cost of Provisions (As % Of Loans) | % | -0.404 | 1.64 | 1.35 | 0.818 | 5.59 |
| other data | Unit | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
| other data | ||||||||||
| Branches | ... | 362 | 387 | 399 | 381 | 340 | ||||
| Employees | ... | ... | ... | ... | ... | 6,225 | ... | ... | ... | |
| Clients | mil | ... | 2.30 | 3.01 | 3.43 | 3.62 | 3.78 | |||
| Sight (As % Of Customer Deposits) | % | ... | 31.6 | 37.0 | 37.0 | 28.0 | 25.0 |
Get all company financials in excel:
By Helgi Analytics - September 14, 2018
AK BARS Bank generated total banking revenues of RUB 26.3 bil in 2017, down 21.5% compared to the previous year. Russian banking sector banking sector generated total revenues of RUB 10,903,149 mil in 2017, down 16.9% when compared to the last year. ...
By Helgi Analytics - September 14, 2018
AK BARS Bank's customer deposits reached RUB 291 bil in 2017, up 9.77% compared to the previous year. Russian banking sector accepted customer deposits of RUB 37,471 bil in 2017, up 6.51% when compared to the last year. AK BARS Bank accounted for 0.776% o...
By Helgi Analytics - December 12, 2019
AK BARS Bank's corporate loans reached RUB 105 bil in 2017, down 29.6% compared to the previous year. Russian banking sector provided corporate loans of RUB 27,187 bil in 2017, down 0.824% when compared to the last year. AK BARS Bank accounted for 0.385% ...
By Helgi Analytics - September 20, 2018
AK BARS Bank's corporate deposits reached RUB 181 bil in 2017, up 14.5% compared to the previous year. Russian banking sector accepted corporate deposits of RUB 17,900 bil in 2017, up 9.25% when compared to the last year. AK BARS Bank accounted for 1.01% ...
By Helgi Analytics - September 20, 2018
AK BARS Bank's retail deposits reached RUB 110 bil in 2017, up 2.70% compared to the previous year. Russian banking sector accepted retail deposits of RUB 25,987 bil in 2017, up 7.38% when compared to the last year. AK BARS Bank accounted for 0.422% of al...
By Helgi Analytics - September 14, 2018
AK BARS Bank's net interest margin amounted to 2.37% in 2017, up from 1.73% compared to the previous year. Historically, the bank’s net interest margin reached an all time high of 2.51% in 2010 and an all time low of 0.277% in 2015. The average margin i...
By Helgi Analytics - September 14, 2018
AK BARS Bank's customer loans reached RUB 175 bil in 2017, down 17.8% compared to the previous year. Russian banking sector provided customer loans of RUB 48,542 bil in 2017, up 3.85% when compared to the last year. AK BARS Bank accounted for 0.360% of al...
By Helgi Analytics - September 14, 2018
AK BARS Bank generated total banking revenues of RUB 26.3 bil in 2017, down 21.5% compared to the previous year. Historically, the bank’s revenues containing of interest, fee and other non-interest income reached an all time high of RUB 33.5 bil in 2016 and an ...
By Helgi Analytics - September 14, 2018
AK BARS Bank's capital adequacy ratio reached 14.0% at the end of 2017, down from 14.0% compared to the previous year. Historically, the bank’s capital ratio hit an all time high of 18.4% in 2015 and an all time low of 11.2% in 2014. The Tier 1 ratio amounted...
By Helgi Analytics - September 20, 2018
AK BARS Bank's consumer loans reached RUB 25.4 bil in 2017, up 9.86% compared to the previous year. Russian banking sector provided consumer loans of RUB 6,987 bil in 2017, up 10.7% when compared to the last year. AK BARS Bank accounted for 0.574% of all ...
AK BARS Bank has been growing its revenues and asset by 15.9% and 4.00% a year on average in the last 5 years. Its loans and deposits have grown by -3.09% and 10.7% a year during that time and loans to deposits ratio reached 60.0% at the end of 2017. The company achieved an average return on equity of 4.61% in the last five years with net profit growing 29.5% a year on average. In terms of operating efficiency, its cost to income ratio reached 40.6% in 2017, compared to 51.6% average in the last five years.
Equity represented 15.2% of total assets or 33.6% of loans at the end of 2017. AK BARS Bank's non-performing loans were 1.62% of total loans while provisions covered some 442% of NPLs at the end of 2017.
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