AK BARS Bank

AK BARS Bank's npls (as % of loans) fell 45.9% to 1.62% in 2017

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...

AK BARS Bank's net profit rose 43.5% to RUB 7.28 bil in 2017

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...

AK BARS Bank's mortgage loans rose 9.74% to RUB 44.5 bil in 2017

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
Fee Income (As % Of Revenues) % 9.73 6.86 10.2
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
Debt Securities RUB bil 111 114 105
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 ... ... ...

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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    

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AK BARS Bank's total revenues fell 21.5% to RUB 26.3 bil in 2017

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. ...

AK BARS Bank's customer deposits rose 9.77% to RUB 291 bil in 2017

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...

AK BARS Bank's corporate loans fell 29.6% to RUB 105 bil in 2017

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% ...

AK BARS Bank's corporate deposits rose 14.5% to RUB 181 bil in 2017

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% ...

AK BARS Bank's retail deposits rose 2.70% to RUB 110 bil in 2017

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...

AK BARS Bank's net interest margin rose 36.6% to 2.37% in 2017

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...

AK BARS Bank's customer loans fell 17.8% to RUB 175 bil in 2017

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...

AK BARS Bank's capital adequacy ratio remain unchanged at 14.0% in 2017

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...

AK BARS Bank's net interest income rose 27.4% to RUB 9.35 bil in 2017

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 ...

AK BARS Bank's consumer loans rose 9.86% to RUB 25.4 bil in 2017

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 ...

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Finance

AK BARS Bank has been growing its revenues and asset by 41.9% and -3.76% a year on average in the last 3 years. Its loans and deposits have grown by -14.1% and 10.8% 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 6.22% in the last three years with net profit growing % a year on average. In terms of operating efficiency, its cost to income ratio reached 40.6% in 2017, compared to 36.0% average in the last three years.

Equity represented 15.2% of total assets or 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.