B&N Bank

B&N Bank's net profit fell 388% to RUB -8.85 bil in 2017

By Helgi Analytics - September 10, 2018

B&N Bank made a net profit of RUB -8.85 bil under revenues of RUB 40.5 bil in 2017, up -388% and 77.7% respectively compared to t...

B&N Bank's npls (as % of loans) rose 38.9% to 11.0% in 2017

By Helgi Analytics - September 10, 2018

B&N Bank's non-performing loans reached 11.0% of total loans at the end of 2017, up from 7.89% compared to the previous year....

B&N Bank's retail deposits fell 10.8% to RUB 519 bil in 2017

By Helgi Analytics - September 20, 2018

B&N Bank's retail deposits reached RUB 519 bil in 2017, down 10.8% compared to the previous year. Russian banking sector ac...

Profit Statement 2015 2016 2017
Net Interest Income RUB bil 17.8 13.1 29.3
Fee Income (As % Of Revenues) % 5.28 23.2 29.9
Other Income RUB bil 53.1 4.39 -0.964
Total Revenues RUB bil 74.8 22.8 40.5
Staff Cost RUB bil ... 6.41 13.9
Operating Profit RUB bil 54.7 9.15 11.1
Provisions RUB bil 54.4 1.75 51.8
Net Profit RUB bil 0.069 3.07 -8.85
Balance Sheet 2015 2016 2017
Interbank Loans RUB bil ... 588 784
Customer Loans RUB bil 218 273 121
Debt Securities RUB bil 102 100 49.0
Total Assets RUB bil 818 1,103 1,091
Shareholders' Equity RUB bil 57.0 81.8 72.4
Interbank Borrowing RUB bil ... 125 292
Customer Deposits RUB bil 488 742 586
Issued Debt Securities RUB bil ... 131 123
Ratios 2015 2016 2017
ROE % 0.157 4.42 -11.5
ROA % 0.011 0.320 -0.807
Costs (As % Of Assets) % 3.24 1.42 2.68
Costs (As % Of Income) % 26.9 59.9 72.5
Capital Adequacy Ratio % 10.4 14.5 10.8
Net Interest Margin % 2.87 1.37 2.67
Loans (As % Of Deposits) % 44.7 36.7 20.7
NPLs (As % Of Loans) % 4.40 7.89 11.0
Provisions (As % Of NPLs) % 118 206 384
Growth Rates 2015 2016 2017
Total Revenue Growth % 160 -69.5 77.7
Operating Cost Growth % 58.7 -32.2 115
Operating Profit Growth % 240 -83.3 21.8
Net Profit Growth % -98.5 4,351 -388
Customer Loan Growth % 1.83 25.0 -55.5
Total Asset Growth % 92.5 34.9 -1.06
Customer Deposit Growth % 84.9 52.2 -21.0
Shareholders' Equity Growth % 85.7 43.4 -11.5
Employees ... 12,131 11,570

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summary Unit 2012 2013 2014 2015 2016 2017
income statement            
Net Interest Income RUB bil 4.28 6.06 12.2 17.8    
Total Revenues RUB bil 8.11 12.1 28.8 74.8    
Operating Profit RUB bil 0.940 1.57 16.1 54.7    
Net Profit RUB bil 0.752 0.754 4.64 0.069    
balance sheet            
Interbank Loans RUB bil ... ... ... ...    
Customer Loans RUB bil 85.6 136 214 218    
Debt Securities RUB bil 18.0 12.7 45.6 102    
Total Assets RUB bil 169 217 425 818    
Shareholders' Equity RUB bil 12.5 18.2 30.7 57.0    
Interbank Borrowing RUB bil ... ... ... ...    
Customer Deposits RUB bil 136 172 264 488    
Issued Debt Securities RUB bil ... ... ... ...    
ratios            
ROE % 6.03 4.91 18.9 0.157    
ROA % 0.445 0.390 1.44 0.011    
Costs (As % Of Assets) % 4.24 5.43 3.95 3.24    
Costs (As % Of Income) % 88.4 87.0 44.1 26.9    
Capital Adequacy Ratio % 11.5 12.1 10.9 10.4    
Net Interest Margin % 2.53 3.13 3.79 2.87    
Interest Income (As % Of Revenues) % 52.9 50.2 42.4 23.8    
Fee Income (As % Of Revenues) % 16.1 15.6 9.59 5.28    
Staff Cost (As % Of Total Cost) % ... ... ... ...    
Equity (As % Of Assets) % 7.37 8.38 7.23 6.98    
Loans (As % Of Deposits) % 62.7 79.2 81.2 44.7    
Loans (As % Assets) % 50.6 62.7 50.4 26.7    
NPLs (As % Of Loans) % 3.30 3.60 3.80 4.40    
Provisions (As % Of NPLs) % 114 82.5 113 118    
income statement Unit 2012 2013 2014 2015 2016 2017
income statement            
Interest Income RUB bil ... ... ... ...    
Interest Cost RUB bil ... ... ... ...    
Net Interest Income RUB bil 4.28 6.06 12.2 17.8    
Net Fee Income RUB bil 1.30 1.89 2.76 3.95    
Other Income RUB bil 2.52 4.12 13.8 53.1    
Total Revenues RUB bil 8.11 12.1 28.8 74.8    
Staff Cost RUB bil ... ... ... ...    
Depreciation RUB bil ... ... ... ...    
Other Cost RUB bil ... ... ... ...    
Operating Cost RUB bil 7.16 10.5 12.7 20.1    
Operating Profit RUB bil 0.940 1.57 16.1 54.7    
Provisions RUB bil -0.005 0.775 10.1 54.4    
Extra and Other Cost RUB bil 0 0 0 < -0.001    
Pre-Tax Profit RUB bil 0.945 0.793 6.00 0.297    
Tax RUB bil 0.193 0.039 1.37 0.228    
Minorities RUB bil 0 0 0 0    
Net Profit RUB bil 0.752 0.754 4.64 0.069    
growth rates            
Net Interest Income Growth % ... 41.4 101 46.2    
Net Fee Income Growth % ... 45.0 46.0 43.2    
Total Revenue Growth % ... 48.9 138 160    
Operating Cost Growth % ... 46.5 20.8 58.7    
Operating Profit Growth % ... 66.8 925 240    
Pre-Tax Profit Growth % ... -16.1 657 -95.1    
Net Profit Growth % ... 0.266 515 -98.5    
market share            
Market Share in Revenues % 0.204 0.266 0.478 1.12    
Market Share in Net Profit % 0.095 0.104 0.953 0.081   ...
Market Share in Branches % ... ... ... ... ...  
balance sheet Unit 2012 2013 2014 2015 2016 2017
balance sheet            
Cash RUB bil ... ... ... ...    
Interbank Loans RUB bil ... ... ... ...    
Customer Loans RUB bil 85.6 136 214 218    
Retail Loans RUB bil 9.18 17.7 43.0 46.8    
Mortgage Loans RUB bil ... ... ... ...    
Consumer Loans RUB bil ... ... ... ...    
Corporate Loans RUB bil 76.4 119 171 171    
Debt Securities RUB bil 18.0 12.7 45.6 102    
Fixed Assets RUB bil ... ... ... ...    
Total Assets RUB bil 169 217 425 818    
Shareholders' Equity RUB bil 12.5 18.2 30.7 57.0    
Of Which Minority Interest RUB bil ... ... ... ...    
Liabilities RUB bil 157 199 394 761    
Interbank Borrowing RUB bil ... ... ... ...    
Customer Deposits RUB bil 136 172 264 488    
Retail Deposits RUB bil 85.5 106 209 397    
Corporate Deposits RUB bil 51.0 66.0 54.5 91.2    
Issued Debt Securities RUB bil ... ... ... ...    
Other Liabilities RUB bil ... ... ... ...    
asset quality            
Non-Performing Loans RUB bil 2.94 5.06 8.50 10.1    
Gross Loans RUB bil 88.9 140 224 230    
Total Provisions RUB bil 3.33 4.17 9.60 11.9    
growth rates            
Customer Loan Growth % ... 59.2 57.2 1.83    
Retail Loan Growth % ... 92.4 144 8.85    
Mortgage Loan Growth % ... ... ... ... ...  
Consumer Loan Growth % ... ... ... ... ...  
Corporate Loan Growth % ... 55.2 44.3 0.071    
Total Asset Growth % ... 28.5 95.4 92.5    
Shareholders' Equity Growth % ... 46.1 68.6 85.7    
Customer Deposit Growth % ... 26.1 53.4 84.9    
Retail Deposit Growth % ... 24.0 97.5 89.5    
Corporate Deposit Growth % ... 29.5 -17.4 67.2    
market share            
Market Share in Customer Loans % 0.286 0.383 0.471 0.444    
Market Share in Corporate Loans % 0.411 0.561 0.625 0.563    
Market Share in Retail Loans % ... ... ... ...    
Market Share in Consumer Loans % 0.119 0.177 0.380 0.438    
Market Share in Mortgage Loans % ... ... ... ...    
Market Share in Total Assets % 0.363 0.401 0.582 1.06    
Market Share in Customer Deposits % 0.664 0.722 0.840 1.30    
Market Share in Retail Deposits % 0.600 0.625 1.13 1.71    
Market Share in Corporate Deposits % 0.530 0.609 0.321 0.479    
ratios Unit 2012 2013 2014 2015 2016 2017
ratios            
ROE % 6.03 4.91 18.9 0.157    
ROA % 0.445 0.390 1.44 0.011    
Costs (As % Of Assets) % 4.24 5.43 3.95 3.24    
Costs (As % Of Income) % 88.4 87.0 44.1 26.9    
Capital Adequacy Ratio % 11.5 12.1 10.9 10.4    
Tier 1 Ratio % 7.70 8.50 7.50 9.00    
Net Interest Margin % 2.53 3.13 3.79 2.87    
Interest Spread % ... ... ... ...    
Asset Yield % ... ... ... ...    
Cost Of Liabilities % ... ... ... ...    
Interest Income (As % Of Revenues) % 52.9 50.2 42.4 23.8    
Fee Income (As % Of Revenues) % 16.1 15.6 9.59 5.28    
Other Income (As % Of Revenues) % 31.1 34.1 48.1 70.9    
Cost Per Employee USD per month ... ... ... ...    
Cost Per Employee (Local Currency) RUB per month ... ... ... ...    
Staff Cost (As % Of Total Cost) % ... ... ... ...    
Equity (As % Of Assets) % 7.37 8.38 7.23 6.98    
Loans (As % Of Deposits) % 62.7 79.2 81.2 44.7    
Loans (As % Assets) % 50.6 62.7 50.4 26.7    
NPLs (As % Of Loans) % 3.30 3.60 3.80 4.40    
Provisions (As % Of NPLs) % 114 82.5 113 118    
Provisions (As % Of Loans) % 3.89 3.06 4.48 5.46    
Cost of Provisions (As % Of Loans) % -0.006 0.699 5.75 25.2    
other data Unit 2012 2013 2014 2015 2016 2017
other data            
Branches ... ... ... ... ...  
Employees ... ... ... ...    
Clients mil ... ... ... ... ...  

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B&N Bank's net interest income rose 124% to RUB 29.3 bil in 2017

By Helgi Analytics - September 10, 2018

B&N Bank generated total banking revenues of RUB 40.5 bil in 2017, up 77.7% 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 74.8 bil in 2015 and an al...

B&N Bank's customer loans fell 55.5% to RUB 121 bil in 2017

By Helgi Analytics - September 10, 2018

B&N Bank's customer loans reached RUB 121 bil in 2017, down 55.5% 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. B&N Bank accounted for 0.250% of al...

B&N Bank's total revenues rose 77.7% to RUB 40.5 bil in 2017

By Helgi Analytics - September 10, 2018

B&N Bank generated total banking revenues of RUB 40.5 bil in 2017, up 77.7% 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. ...

B&N Bank's customer deposits fell 21.0% to RUB 586 bil in 2017

By Helgi Analytics - September 10, 2018

B&N Bank's customer deposits reached RUB 586 bil in 2017, down 21.0% 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. B&N Bank accounted for 1.56% ...

B&N Bank's capital adequacy ratio fell 25.5% to 10.8% in 2017

By Helgi Analytics - September 10, 2018

B&N Bank's capital adequacy ratio reached 10.8% at the end of 2017, down from 14.5% compared to the previous year. Historically, the bank’s capital ratio hit an all time high of 14.5% in 2016 and an all time low of 10.4% in 2015. The Tier 1 ratio amounted...

B&N Bank's corporate loans fell 39.6% to RUB 152 bil in 2017

By Helgi Analytics - December 12, 2019

B&N Bank's corporate loans reached RUB 152 bil in 2017, down 39.6% 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. B&N Bank accounted for 0.559% ...

B&N Bank's corporate deposits fell 58.1% to RUB 67.3 bil in 2017

By Helgi Analytics - September 20, 2018

B&N Bank's corporate deposits reached RUB 67.3 bil in 2017, down 58.1% 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. B&N Bank accounted for 0.3...

B&N Bank's customer loan growth fell 322% to -55.5% in 2017

By Helgi Analytics - September 10, 2018

B&N Bank's customer loan growth reached -55.5% in 2017, down from 25.0% compared to the previous year. Historically, the bank’s loans growth reached an all time high of 59.2% in 2013 and an all time low of -55.5% in 2017. In the last decade, the avera...

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Finance

B&N Bank has been growing its revenues and asset by 38.0% and 45.2% a year on average in the last 5 years. Its loans and deposits have grown by 7.23% and 33.9% a year during that time and loans to deposits ratio reached 20.7% at the end of 2017. The company achieved an average return on equity of 3.39% in the last five years with net profit growing % a year on average. In terms of operating efficiency, its cost to income ratio reached 72.5% in 2017, compared to 58.1% average in the last five years.

Equity represented 6.64% of total assets or 59.7% of loans at the end of 2017. B&N Bank's non-performing loans were 11.0% of total loans while provisions covered some 384% of NPLs at the end of 2017.