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summary

Unit

2009

2010

2011

2012

2013

2014

2015

2016

2017

income statement

Net Interest Income	RUB bil
Total Revenues	RUB bil
Operating Profit	RUB bil
Net Profit	RUB bil

3.90	6.44	7.58	7.52	1.21
1.53	12.6	13.4	9.20	20.3
-4.81	5.48	5.70	0.686	11.6
-3.45	2.00	2.38	-1.11	-2.66

balance sheet

Interbank Loans	RUB bil
Customer Loans	RUB bil
Debt Securities	RUB bil
Total Assets	RUB bil
Shareholders' Equity	RUB bil
Interbank Borrowing	RUB bil
Customer Deposits	RUB bil
Issued Debt Securities	RUB bil

3.43	3.90	0.900	3.60	13.2
176	204	224	275	252
31.1	30.3	53.3	68.7	111
287	317	347	433	443
26.8	28.4	30.8	30.3	35.6
40.4	37.5	27.6	48.7	34.6
164	175	203	214	240
17.2	58.8	67.7	108	117

ratios

ROE	%
ROA	%
Costs (As % Of Assets)	%
Costs (As % Of Income)	%
Capital Adequacy Ratio	%
Net Interest Margin	%
Interest Income (As % Of Revenues)	%
Fee Income (As % Of Revenues)	%
Staff Cost (As % Of Total Cost)	%
Equity (As % Of Assets)	%
Loans (As % Of Deposits)	%
Loans (As % Assets)	%
NPLs (As % Of Loans)	%
Provisions (As % Of NPLs)	%

		-12.3%	7.25%	8.03%	-3.64%	-8.08%
		-1.33%	0.662%	0.715%	-0.285%	-0.608%
		2.45%	2.34%	2.33%	2.18%	1.99%
		414%	56.4%	57.6%	92.5%	42.9%
		11.8%	13.6%	14.5%	11.2%	18.4%
		1.51%	2.13%	2.28%	1.93%	0.277%
		255%	51.2%	56.4%	81.8%	5.98%
		70.9%	10.2%	11.4%	18.0%	9.73%
...		45.9%	50.8%	51.2%	50.3%	52.1%
		9.34%	8.95%	8.87%	6.99%	8.04%
		108%	116%	110%	129%	105%
		61.3%	64.3%	64.5%	63.4%	57.0%
...	...	...	7.20%	6.90%	5.50%	5.80%
...	...	...	129%	124%	117%	173%

Download Data

income statement

Unit

2009

2010

2011

2012

2013

2014

2015

2016

2017

income statement

Interest Income	RUB bil
Interest Cost	RUB bil
Net Interest Income	RUB bil
Net Fee Income	RUB bil
Other Income	RUB bil
Total Revenues	RUB bil
Staff Cost	RUB bil
Depreciation	RUB bil
Other Cost	RUB bil
Operating Cost	RUB bil
Operating Profit	RUB bil
Provisions	RUB bil
Extra and Other Cost	RUB bil
Pre-Tax Profit	RUB bil
Tax	RUB bil
Minorities	RUB bil
Net Profit	RUB bil

...	20.8	24.4	28.7	32.5	41.6
...	16.9	18.0	21.1	24.9	40.4
	3.90	6.44	7.58	7.52	1.21
	1.09	1.28	1.53	1.66	1.97
	-3.46	4.85	4.32	0.016	17.1
	1.53	12.6	13.4	9.20	20.3
...	2.91	3.60	3.96	4.28	4.53
...	0.462	0.378	0.461	0.496	0.468
...	2.97	3.11	3.32	3.73	3.70
	6.35	7.09	7.74	8.51	8.71
	-4.81	5.48	5.70	0.686	11.6
	-0.642	3.12	2.88	2.04	14.7
	0.001	0	0	0	0
	-4.17	2.37	2.81	-1.35	-3.16
	-0.721	0.367	0.437	-0.241	-0.498
	0	0	0	0	0
	-3.45	2.00	2.38	-1.11	-2.66

growth rates

Net Interest Income Growth	%
Net Fee Income Growth	%
Total Revenue Growth	%
Operating Cost Growth	%
Operating Profit Growth	%
Pre-Tax Profit Growth	%
Net Profit Growth	%

...	-30.0%	65.0%	17.7%	-0.769%	-83.9%
...	5.64%	17.9%	19.7%	8.06%	19.1%
...	-80.8%	721%	6.90%	-31.6%	120%
...	25.8%	11.7%	9.25%	9.94%	2.30%
...	-265%	-214%	3.88%	-88.0%	1,586%
...	-258%	-157%	18.8%	-148%	133%
...	-258%	-158%	18.8%	-147%	139%

market share

Market Share in Revenues	%
Market Share in Net Profit	%
Market Share in Employees	%
Market Share in Branches	%

		0.044%	0.317%	0.297%	0.153%	0.303%
		...	0.253%	0.327%	...	...
...	...	...	...	...	0.655%	...	...	...
...		0.827%	0.908%	0.923%	0.916%	0.919%

Download Data

balance sheet

Unit

2009

2010

2011

2012

2013

2014

2015

2016

2017

balance sheet

Cash	RUB bil
Interbank Loans	RUB bil
Customer Loans	RUB bil
Retail Loans	RUB bil
Mortgage Loans	RUB bil
Consumer Loans	RUB bil
Corporate Loans	RUB bil
Debt Securities	RUB bil
Fixed Assets	RUB bil
Total Assets	RUB bil
Shareholders' Equity	RUB bil
Of Which Minority Interest	RUB bil
Liabilities	RUB bil
Interbank Borrowing	RUB bil
Customer Deposits	RUB bil
Retail Deposits	RUB bil
Corporate Deposits	RUB bil
Sight Deposits	RUB bil
Term Deposits	RUB bil
Issued Debt Securities	RUB bil
Other Liabilities	RUB bil

	18.9	36.0	39.4	41.4	28.1
	3.43	3.90	0.900	3.60	13.2
	176	204	224	275	252
...	30.2	40.8	51.5	63.2	58.1
...	13.1	19.5	24.7	31.2	34.0
...	17.1	21.4	26.8	32.1	24.1
...	146	163	172	212	194
	31.1	30.3	53.3	68.7	111
	3.00	3.23	2.99	3.86	3.72
	287	317	347	433	443
	26.8	28.4	30.8	30.3	35.6
	0	0	0	0	0
	260	289	316	403	407
	40.4	37.5	27.6	48.7	34.6
	164	175	203	214	240
...	58.3	61.9	73.7	80.6	99.2
...	105	113	129	133	140
...	51.8	64.9	75.2	59.9	59.9
...	112	110	128	154	180
	17.2	58.8	67.7	108	117
	39.0	17.4	17.8	33.0	16.3

asset quality

Non-Performing Loans	RUB bil
Gross Loans	RUB bil
Total Provisions	RUB bil

...	...	...	16.2	16.9	16.2	16.3
		194	225	245	294	281
		18.3	20.9	21.0	18.9	28.2

growth rates

Customer Loan Growth	%
Retail Loan Growth	%
Mortgage Loan Growth	%
Consumer Loan Growth	%
Corporate Loan Growth	%
Total Asset Growth	%
Shareholders' Equity Growth	%
Customer Deposit Growth	%
Retail Deposit Growth	%
Corporate Deposit Growth	%

...		23.8%	16.1%	9.60%	22.8%	-8.18%
...	...	44.9%	35.2%	26.0%	22.8%	-8.18%
...	...	24.1%	48.6%	26.9%	26.2%	8.96%
...	...	66.3%	25.0%	25.3%	19.7%	-24.8%
...	...	20.1%	12.1%	5.49%	22.8%	-8.18%
...		24.3%	10.6%	9.36%	24.8%	2.24%
...		-9.03%	5.94%	8.45%	-1.62%	17.5%
...		29.3%	7.19%	15.9%	5.22%	12.1%
...	...	18.3%	6.28%	19.1%	9.32%	23.0%
...	...	36.3%	7.69%	14.2%	2.88%	5.43%

market share

Market Share in Customer Loans	%
Market Share in Corporate Loans	%
Market Share in Retail Loans	%
Market Share in Consumer Loans	%
Market Share in Mortgage Loans	%
Market Share in Total Assets	%
Market Share in Customer Deposits	%
Market Share in Retail Deposits	%
Market Share in Corporate Deposits	%

	0.708%	0.683%	0.630%	0.605%	0.513%
...	0.897%	0.878%	0.815%	0.773%	0.639%
...	0.421%	0.373%	0.366%	0.411%	0.360%
...	0.545%	0.529%	0.517%	0.558%	0.543%
...	0.886%	0.975%	0.932%	0.883%	0.853%
	0.737%	0.681%	0.640%	0.593%	0.576%
	0.928%	0.853%	0.853%	0.680%	0.640%
...	0.497%	0.435%	0.435%	0.435%	0.427%
...	1.26%	1.18%	1.19%	0.783%	0.738%

Download Data

ratios

Unit

2009

2010

2011

2012

2013

2014

2015

2016

2017

ratios

ROE	%
ROA	%
Costs (As % Of Assets)	%
Costs (As % Of Income)	%
Capital Adequacy Ratio	%
Tier 1 Ratio	%
Net Interest Margin	%
Interest Spread	%
Asset Yield	%
Cost Of Liabilities	%
Interest Income (As % Of Revenues)	%
Fee Income (As % Of Revenues)	%
Other Income (As % Of Revenues)	%
Cost Per Employee	USD per month
Cost Per Employee (Local Currency)	RUB per month
Staff Cost (As % Of Total Cost)	%
Equity (As % Of Assets)	%
Loans (As % Of Deposits)	%
Loans (As % Assets)	%
NPLs (As % Of Loans)	%
Provisions (As % Of NPLs)	%
Provisions (As % Of Loans)	%
Cost of Provisions (As % Of Loans)	%

		-12.3%	7.25%	8.03%	-3.64%	-8.08%
		-1.33%	0.662%	0.715%	-0.285%	-0.608%
		2.45%	2.34%	2.33%	2.18%	1.99%
		414%	56.4%	57.6%	92.5%	42.9%
		11.8%	13.6%	14.5%	11.2%	18.4%
		9.40%	9.10%	9.70%	7.50%	7.30%
		1.51%	2.13%	2.28%	1.93%	0.277%
...		0.711%	1.53%	1.66%	1.39%	-0.473%
...		8.04%	8.09%	8.64%	8.32%	9.50%
...		7.33%	6.55%	6.98%	6.94%	9.97%
		255%	51.2%	56.4%	81.8%	5.98%
		70.9%	10.2%	11.4%	18.0%	9.73%
		-226%	38.6%	32.2%	0.174%	84.3%
...	...	...	...	...	1,226	...	...	...
...	...	...	...	...	57,360	...	...	...
...		45.9%	50.8%	51.2%	50.3%	52.1%
		9.34%	8.95%	8.87%	6.99%	8.04%
		108%	116%	110%	129%	105%
		61.3%	64.3%	64.5%	63.4%	57.0%
...	...	...	7.20%	6.90%	5.50%	5.80%
...	...	...	129%	124%	117%	173%
		10.4%	10.2%	9.38%	6.88%	11.2%
		-0.404%	1.64%	1.35%	0.818%	5.59%

Download Data

other data

Unit

2009

2010

2011

2012

2013

2014

2015

2016

2017

other data

Branches
Employees
Clients	mil
Sight (As % Of Customer Deposits)	%

...		362	387	399	381	340
...	...	...	...	...	6,225	...	...	...
...		2.30	3.01	3.43	3.62	3.78
...		31.6%	37.0%	37.0%	28.0%	25.0%

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Comparison of 17 Banks in Russia

October 24, 2018

This Annual Statistical Dossier offers a comparison of 17 Russian banks from 1997 to 2017 on an annual basis. The report can be downloaded as an Excel file.

You will find here the key numbers from the banks' balance sheets such as loan and deposit breakdown, or capitalization, income statements for the sector and the main ratios related to the banking

This Annual Statistical Dossier offers a comparison of 17 Russian banks from 1997 to 2017 on an annual basis. The report can be downloaded as an Excel file.

You will find here the key numbers from the banks' balance sheets such as loan and deposit breakdown, or capitalization, income statements for the sector and the main ratios related to the banking business such as asset quality, number and cost of employees or details on banking infrastructure.

The file contains data of following banks:

If you are only interested in particular areas of a bank's business, you can find and download specific indicators from the bank's Corporate Profile, or specific charts from the bank's Chart Section, where you can find a comparison of the bank with its peers.

Alternatively, you can find similar data for the Czech banking sector in the banking Sector Profile.

If you are interested in the banking quarterly figures, please refer to the banking Quarterly Statistical Dossier. Download a sample excel file attached to see more details. On purchase, the hidden cells will be unlocked and all available data wll be visible.

AK BARS Bank in Numbers

September 22, 2018

This Annual statistical dossier offers a summary of AK BARS Bank's performance between 2009 and 2017 on an annual basis. The report can be downloaded as an excel file.

You will find here the key numbers from the bank's balance sheet and income statement and the main ratios related to the bank's business such as asset quality, capital

This Annual statistical dossier offers a summary of AK BARS Bank's performance between 2009 and 2017 on an annual basis. The report can be downloaded as an excel file.

You will find here the key numbers from the bank's balance sheet and income statement and the main ratios related to the bank's business such as asset quality, capital ratios, number and cost of employees or a detailed breakdown of some of the bank's business such as its loan portfolio.

In addition, the excel file provides a detailed overview of the bank's market position in comparison with the overall banking sector. You can, for example, track AK BARS Bank's market position in mortgage or consumer lending.

If you are only interested in particular areas of the bank's business, you can find and download specific indicators from the bank's corporate profile, or specific charts from the bank's charts section, where you can find a comparison of the bank with its peers.

If you are interested in the bank’s quarterly figures, please refer to the bank’s quarterly statistical dossier.

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What Banks in Russia Were the Most Profitable in 2017?

August 20, 2019

Based on a comparison of 18 banks in Russia, Sberbank produced the highest net profit in 2017, followed by VTB Bank and Alfa Bank.

Sberbank made a net profit of RUB 750 bil, up 38.8% compared to the previous year. Historically,

Based on a comparison of 18 banks in Russia, Sberbank produced the highest net profit in 2017, followed by VTB Bank and Alfa Bank.

Sberbank made a net profit of RUB 750 bil, up 38.8% compared to the previous year. Historically, the bank’s net profit reached an all time high of RUB 750 bil in 2017 and an all time low of RUB 13.9 bil in 2003. The average profit in the last five years amounted to RUB 434 bil.

The bank generated an average return on equity of 18.1% for its shareholders in the last five years with a maximum of 24.0% and a minimum of 10.2%.

Comparing Sberbank with its closest peers, VTB Bank generated a net profit of RUB 120 bil with a ROE of 8.32% in 2017, Alfa Bank netted RUB 47.1 bil (ROE of 13.2%) and Gazprombank announced a net profit of RUB 33.8 bil giving a ROE of 6.31%.

The net profit of the Russia’s banking sector amounted to RUB 503,411 bil in 2017, down 23.2% compared to the previous year. Heading up the rankings, Sberbank accounted for 0.149% of the sector’s net profit in 2017. The top 3 companies held a 0.182% share while the five largest firms some 0.195% in 2017.

You can see all the banks net profit data on the Net Profit indicator page or you can download a report on the Russian banks in the report section.

What Banks in Russia Were the Most Cost Efficient in 2017?

August 20, 2019

Based on a comparison of 18 banks in Russia in 2017, Credit Bank of Moscow was the most cost efficient bank, followed by UniCredit Bank Russia and Sberbank.

Credit Bank of Moscow's cost to income ratio reached 26.8% in 2017, down

Based on a comparison of 18 banks in Russia in 2017, Credit Bank of Moscow was the most cost efficient bank, followed by UniCredit Bank Russia and Sberbank.

Credit Bank of Moscow's cost to income ratio reached 26.8% in 2017, down from 24.6% when compared to the last year. Historically, the bank’s costs reached an all time high of 82.4% in 2007 and an all time low of 24.6% in 2016.

When compared to total assets, bank's cost amounted to 1.39% in 2017, down from 1.04% a year earlier.

Comparing Credit Bank of Moscow with its closest peers, UniCredit Bank Russia operated in 2017 with a cost to income ratio of 34.4%, Sberbank reached 35.3% and AK BARS Bank some 40.6%.

The average cost to income ratio reached 79.9% in the Russian banking sector in 2017.

You can see all the banks cost efficiency data on the Costs (As % Of Income) indicator page or you can download a report on the Russian banks in the report section.

What Banks in Russia Were the Best Capitalised in 2017?

August 20, 2019

Based on a comparison of 17 banks in Russia in 2017, Raiffeisenbank Russia was the best capitalised bank, followed by Credit Bank of Moscow and Rosbank.

Raiffeisenbank Russia's capital adequacy ratio reached 24.7%, down from 26.3%

Based on a comparison of 17 banks in Russia in 2017, Raiffeisenbank Russia was the best capitalised bank, followed by Credit Bank of Moscow and Rosbank.

Raiffeisenbank Russia's capital adequacy ratio reached 24.7%, down from 26.3% when compared to the previous year. Historically, the bank’s capital ratio hit an all time high of 26.3% in 2016 and an all time low of 11.2% in 2007.

Comparing Raiffeisenbank Russia with its closest peers, Credit Bank of Moscow ended the year 2017 with a capital adequacy ratio at 23.4%, Rosbank with 21.0% and UniCredit Bank Russia some 18.2% at the end of 2017.

The average capital adequacy reached 12.1% in the Russian banking sector in 2017.

You can see all the banks capital adequacy ratio data on the Capital Adequacy Ratio indicator page or you can download a report on the Russian banks in the report section.

What Banks in Russia Achieved the Highest Interest Margin in 2017?

August 20, 2019

Based on a comparison of 18 banks in Russia in 2017, Tinkoff Group operated with the highest net interest margin, followed by OTP Bank Russia and Raiffeisenbank Russia.

Tinkoff Group's net interest margin amounted to 20.7% in 2017,

Based on a comparison of 18 banks in Russia in 2017, Tinkoff Group operated with the highest net interest margin, followed by OTP Bank Russia and Raiffeisenbank Russia.

Tinkoff Group's net interest margin amounted to 20.7% in 2017, down from 21.6% when compared to the previous year.

Historically, the bank’s net interest margin reached an all time high of 35.7% in 2011 and an all time low of 19.8% in 2015. The average margin in the last five years amounted to 24.9%.

Average asset yield was 26.8% in 2017, down from 30.4% when compared to previous year. On the other hand, cost of funding amounted to 7.22% in 2017, down from 10.5%.

Comparing Tinkoff Group with its closest peers, OTP Bank Russia operated in 2017 with a net interest margin of 12.3% Raiffeisenbank Russia reached 5.65% and Sberbank some 5.53%.

The average net interest margin reached 3.42% in the Russian banking sector in 2017 while interest spread amounted to 4.70%.

You can see all the banks interest margin data on the Net Interest Margin indicator page or you can download a report on the Russian banks in the report section.

See all charts of the company »

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

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

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

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

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

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

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

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

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

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

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

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

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

AK BARS Bank's customer loan growth fell 11.8% to -17.8% in 2017

AK BARS Bank's retail loan growth rose 0.917% to 9.78% in 2017