By Helgi Analytics - September 7, 2018
Rosbank's customer deposits reached RUB 648 bil in 2017, up 40.3% compared to the previous year. Russian banking sector accepte...
By Helgi Analytics - November 29, 2018
Rosbank's mortgage loans reached RUB 191 bil in 2017, up 5.19% compared to the previous year. Russian banking sector provided m...
By Helgi Analytics - September 20, 2018
Rosbank's retail deposits reached RUB 252 bil in 2017, up 20.4% compared to the previous year. Russian banking sector accepted ...
| Profit Statement | 2015 | 2016 | 2017 | |
| Net Interest Income | RUB bil | 37.3 | 39.0 | 38.5 |
| Fee Income (As % Of Revenues) | % | 19.1 | 16.4 | 17.8 |
| Other Income | RUB bil | 3.00 | 1.91 | 5.40 |
| Total Revenues | RUB bil | 49.9 | 48.9 | 53.3 |
| Staff Cost | RUB bil | 15.9 | 15.6 | 16.6 |
| Operating Profit | RUB bil | 11.9 | 15.9 | 17.7 |
| Provisions | RUB bil | 21.1 | 12.3 | 3.45 |
| Net Profit | RUB bil | 9.28 | 3.10 | 10.4 |
| Balance Sheet | 2015 | 2016 | 2017 | |
| Interbank Loans | RUB bil | 92.9 | 86.1 | 90.8 |
| Customer Loans | RUB bil | 635 | 588 | 655 |
| Debt Securities | RUB bil | 142 | 118 | 123 |
| Total Assets | RUB bil | 1,011 | 881 | 1,041 |
| Shareholders' Equity | RUB bil | 121 | 124 | 133 |
| Interbank Borrowing | RUB bil | 87.5 | 48.0 | 32.1 |
| Customer Deposits | RUB bil | 517 | 462 | 648 |
| Issued Debt Securities | RUB bil | 273 | 234 | 214 |
| Ratios | 2015 | 2016 | 2017 | |
| ROE | % | 7.42 | 2.54 | 8.12 |
| ROA | % | 0.864 | 0.328 | 1.08 |
| Costs (As % Of Assets) | % | 3.53 | 3.48 | 3.71 |
| Costs (As % Of Income) | % | 76.1 | 67.4 | 66.8 |
| Capital Adequacy Ratio | % | 20.6 | 20.9 | 21.0 |
| Net Interest Margin | % | 3.48 | 4.12 | 4.00 |
| Loans (As % Of Deposits) | % | 123 | 127 | 101 |
| NPLs (As % Of Loans) | % | 16.1 | 10.2 | 8.04 |
| Provisions (As % Of NPLs) | % | 56.6 | 82.5 | 82.1 |
| Growth Rates | 2015 | 2016 | 2017 | |
| Total Revenue Growth | % | -18.0 | -1.98 | 9.15 |
| Operating Cost Growth | % | 4.84 | -13.2 | 8.08 |
| Operating Profit Growth | % | -51.6 | 33.7 | 11.4 |
| Net Profit Growth | % | 192 | -66.6 | 235 |
| Customer Loan Growth | % | -6.22 | -7.36 | 11.4 |
| Total Asset Growth | % | -11.1 | -12.9 | 18.2 |
| Customer Deposit Growth | % | 6.39 | -10.6 | 40.3 |
| Shareholders' Equity Growth | % | -7.05 | 2.54 | 7.32 |
| Employees | ... | ... | 16,000 | |
Get all company financials in excel:
| summary | Unit | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
| income statement | ||||||||||||
| Net Interest Income | RUB bil | 44.0 | 45.9 | 47.8 | 48.4 | 37.3 | ||||||
| Total Revenues | RUB bil | 51.0 | 56.8 | 59.7 | 60.8 | 49.9 | ||||||
| Operating Profit | RUB bil | 16.3 | 19.4 | 28.7 | 24.6 | 11.9 | ||||||
| Net Profit | RUB bil | 8.43 | 8.43 | 13.9 | 3.18 | 9.28 | ||||||
| balance sheet | ||||||||||||
| Interbank Loans | RUB bil | 42.3 | 55.4 | 49.2 | 106 | 92.9 | ||||||
| Customer Loans | RUB bil | 543 | 565 | 612 | 677 | 635 | ||||||
| Debt Securities | RUB bil | 61.9 | 43.3 | 54.5 | 228 | 142 | ||||||
| Total Assets | RUB bil | 746 | 798 | 864 | 1,137 | 1,011 | ||||||
| Shareholders' Equity | RUB bil | 105 | 119 | 129 | 130 | 121 | ||||||
| Interbank Borrowing | RUB bil | 173 | 201 | 181 | 179 | 87.5 | ||||||
| Customer Deposits | RUB bil | 359 | 327 | 382 | 486 | 517 | ||||||
| Issued Debt Securities | RUB bil | 90.1 | 122 | 149 | 322 | 273 | ||||||
| ratios | ||||||||||||
| ROE | % | 8.91 | 7.55 | 11.3 | 2.46 | 7.42 | ||||||
| ROA | % | 1.40 | 1.09 | 1.68 | 0.318 | 0.864 | ||||||
| Costs (As % Of Assets) | % | 5.77 | 4.85 | 3.72 | 3.62 | 3.53 | ||||||
| Costs (As % Of Income) | % | 67.9 | 65.8 | 51.8 | 59.5 | 76.1 | ||||||
| Capital Adequacy Ratio | % | ... | ... | ... | ... | ... | ... | 19.4 | 19.7 | 20.6 | ||
| Net Interest Margin | % | 7.33 | 5.94 | 5.76 | 4.84 | 3.48 | ||||||
| Interest Income (As % Of Revenues) | % | 86.3 | 80.7 | 80.2 | 79.6 | 74.9 | ||||||
| Fee Income (As % Of Revenues) | % | 15.4 | 17.6 | 17.6 | 19.3 | 19.1 | ||||||
| Staff Cost (As % Of Total Cost) | % | 43.7 | 41.1 | 47.6 | 43.5 | 41.8 | ||||||
| Equity (As % Of Assets) | % | 14.0 | 14.9 | 14.9 | 11.4 | 11.9 | ||||||
| Loans (As % Of Deposits) | % | 151 | 173 | 160 | 139 | 123 | ||||||
| Loans (As % Assets) | % | 72.8 | 70.8 | 70.9 | 59.5 | 62.8 | ||||||
| NPLs (As % Of Loans) | % | 12.2 | 10.9 | 11.8 | 11.6 | 16.1 | ||||||
| Provisions (As % Of NPLs) | % | 86.3 | 92.0 | 77.7 | 67.6 | 56.6 |
| income statement | Unit | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
| income statement | ||||||||||||
| Interest Income | RUB bil | 71.1 | 79.0 | 84.7 | 89.9 | 93.5 | ||||||
| Interest Cost | RUB bil | 27.1 | 33.1 | 36.8 | 41.5 | 56.1 | ||||||
| Net Interest Income | RUB bil | 44.0 | 45.9 | 47.8 | 48.4 | 37.3 | ||||||
| Net Fee Income | RUB bil | 7.83 | 10.0 | 10.5 | 11.7 | 9.53 | ||||||
| Other Income | RUB bil | -0.870 | 0.960 | 1.36 | 0.645 | 3.00 | ||||||
| Total Revenues | RUB bil | 51.0 | 56.8 | 59.7 | 60.8 | 49.9 | ||||||
| Staff Cost | RUB bil | 15.1 | 15.4 | 14.7 | 15.8 | 15.9 | ||||||
| Depreciation | RUB bil | 1.29 | 1.89 | 2.18 | 2.20 | 2.53 | ||||||
| Other Cost | RUB bil | 18.2 | 20.1 | 14.0 | 18.2 | 19.5 | ||||||
| Operating Cost | RUB bil | 34.6 | 37.4 | 30.9 | 36.2 | 38.0 | ||||||
| Operating Profit | RUB bil | 16.3 | 19.4 | 28.7 | 24.6 | 11.9 | ||||||
| Provisions | RUB bil | 5.40 | 7.70 | 10.5 | 18.2 | 21.1 | ||||||
| Extra and Other Cost | RUB bil | 0 | 0 | 0 | 1.29 | 0 | ||||||
| Pre-Tax Profit | RUB bil | 10.9 | 11.7 | 18.2 | 5.06 | -9.20 | ||||||
| Tax | RUB bil | 2.42 | 3.31 | 4.29 | 1.87 | 0.082 | ||||||
| Minorities | RUB bil | 0.094 | 0 | 0 | 0 | 0 | ||||||
| Net Profit | RUB bil | 8.43 | 8.43 | 13.9 | 3.18 | 9.28 | ||||||
| growth rates | ||||||||||||
| Net Interest Income Growth | % | ... | 74.7 | 4.22 | 4.32 | 1.16 | -22.9 | |||||
| Net Fee Income Growth | % | ... | 62.3 | 28.1 | 4.68 | 12.0 | -18.8 | |||||
| Total Revenue Growth | % | ... | 60.9 | 11.5 | 5.01 | 1.84 | -18.0 | |||||
| Operating Cost Growth | % | ... | 73.7 | 8.03 | -17.3 | 17.0 | 4.84 | |||||
| Operating Profit Growth | % | ... | 39.2 | 19.0 | 47.9 | -14.5 | -51.6 | |||||
| Pre-Tax Profit Growth | % | ... | 5,315 | 7.35 | 55.2 | -72.3 | -282 | |||||
| Net Profit Growth | % | ... | 1,641 | 0.071 | 65.3 | -77.2 | 192 | |||||
| market share | ||||||||||||
| Market Share in Revenues | % | 1.46 | 1.43 | 1.32 | 1.01 | 0.745 | ||||||
| Market Share in Net Profit | % | ... | 1.24 | 1.07 | 1.92 | 0.654 | 10.9 | |||||
| Market Share in Branches | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... |
| balance sheet | Unit | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
| balance sheet | ||||||||||||
| Cash | RUB bil | 56.8 | 90.8 | 73.5 | 78.2 | 103 | ||||||
| Interbank Loans | RUB bil | 42.3 | 55.4 | 49.2 | 106 | 92.9 | ||||||
| Customer Loans | RUB bil | 543 | 565 | 612 | 677 | 635 | ||||||
| Retail Loans | RUB bil | 359 | 404 | 450 | 485 | 418 | ||||||
| Mortgage Loans | RUB bil | 109 | 124 | 150 | 188 | 188 | ||||||
| Consumer Loans | RUB bil | 51.8 | 74.8 | 91.4 | 115 | 79.9 | ||||||
| Corporate Loans | RUB bil | ... | 243 | 215 | 214 | 242 | 266 | |||||
| Debt Securities | RUB bil | 61.9 | 43.3 | 54.5 | 228 | 142 | ||||||
| Fixed Assets | RUB bil | 24.7 | 25.2 | 25.4 | 25.3 | 22.2 | ||||||
| Total Assets | RUB bil | 746 | 798 | 864 | 1,137 | 1,011 | ||||||
| Shareholders' Equity | RUB bil | 105 | 119 | 129 | 130 | 121 | ||||||
| Of Which Minority Interest | RUB bil | 0 | 0 | 0 | 0 | 0 | ||||||
| Liabilities | RUB bil | 641 | 680 | 735 | 1,007 | 891 | ||||||
| Interbank Borrowing | RUB bil | 173 | 201 | 181 | 179 | 87.5 | ||||||
| Customer Deposits | RUB bil | 359 | 327 | 382 | 486 | 517 | ||||||
| Retail Deposits | RUB bil | ... | ... | ... | ... | ... | 141 | 162 | 170 | 200 | ||
| Corporate Deposits | RUB bil | ... | ... | ... | ... | ... | 187 | 220 | 316 | 316 | ||
| Sight Deposits | RUB bil | ... | ... | ... | ... | ... | ... | ... | 109 | 184 | ||
| Term Deposits | RUB bil | ... | ... | ... | ... | ... | ... | ... | 376 | 333 | ||
| Issued Debt Securities | RUB bil | 90.1 | 122 | 149 | 322 | 273 | ||||||
| Other Liabilities | RUB bil | 18.6 | 29.5 | 23.6 | 20.5 | 13.5 | ||||||
| asset quality | ||||||||||||
| Non-Performing Loans | RUB bil | 73.7 | 68.2 | 79.3 | 85.1 | 112 | ||||||
| Gross Loans | RUB bil | 606 | 628 | 674 | 734 | 698 | ||||||
| Total Provisions | RUB bil | 63.6 | 62.8 | 61.7 | 57.5 | 63.5 | ||||||
| growth rates | ||||||||||||
| Customer Loan Growth | % | ... | 98.6 | 4.11 | 8.35 | 10.5 | -6.22 | |||||
| Retail Loan Growth | % | ... | 132 | 12.7 | 11.3 | 7.80 | -13.8 | |||||
| Mortgage Loan Growth | % | ... | 462 | 14.5 | 20.5 | 25.8 | -0.071 | |||||
| Consumer Loan Growth | % | ... | 2.99 | 44.4 | 22.2 | 25.3 | -30.3 | |||||
| Corporate Loan Growth | % | ... | ... | 46.8 | -11.6 | -0.169 | 13.1 | 9.94 | ||||
| Total Asset Growth | % | ... | 64.0 | 7.09 | 8.24 | 31.6 | -11.1 | |||||
| Shareholders' Equity Growth | % | ... | 23.7 | 13.5 | 8.44 | 0.697 | -7.05 | |||||
| Customer Deposit Growth | % | ... | 24.6 | -8.90 | 16.7 | 27.1 | 6.39 | |||||
| Retail Deposit Growth | % | ... | ... | ... | ... | ... | ... | 15.1 | 5.11 | 17.8 | ||
| Corporate Deposit Growth | % | ... | ... | ... | ... | ... | ... | 17.9 | 43.3 | 0.238 | ||
| market share | ||||||||||||
| Market Share in Customer Loans | % | 2.18 | 1.89 | 1.72 | 1.49 | 1.29 | ||||||
| Market Share in Corporate Loans | % | ... | ... | ... | 1.49 | 1.15 | 1.01 | 0.885 | 0.876 | |||
| Market Share in Retail Loans | % | ... | 1.28 | 1.31 | 1.25 | 1.47 | 1.19 | |||||
| Market Share in Consumer Loans | % | 6.47 | 5.23 | 4.52 | 4.28 | 3.91 | ||||||
| Market Share in Mortgage Loans | % | ... | 7.34 | 6.22 | 5.65 | 5.34 | 4.73 | |||||
| Market Share in Total Assets | % | 1.91 | 1.71 | 1.59 | 1.56 | 1.31 | ||||||
| Market Share in Customer Deposits | % | 2.04 | 1.59 | 1.60 | 1.55 | 1.38 | ||||||
| Market Share in Retail Deposits | % | ... | ... | ... | ... | ... | 0.987 | 0.955 | 0.917 | 0.863 | ||
| Market Share in Corporate Deposits | % | ... | ... | ... | ... | ... | 1.94 | 2.03 | 1.86 | 1.66 |
| ratios | Unit | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
| ratios | ||||||||||||
| ROE | % | 8.91 | 7.55 | 11.3 | 2.46 | 7.42 | ||||||
| ROA | % | 1.40 | 1.09 | 1.68 | 0.318 | 0.864 | ||||||
| Costs (As % Of Assets) | % | 5.77 | 4.85 | 3.72 | 3.62 | 3.53 | ||||||
| Costs (As % Of Income) | % | 67.9 | 65.8 | 51.8 | 59.5 | 76.1 | ||||||
| Capital Adequacy Ratio | % | ... | ... | ... | ... | ... | ... | 19.4 | 19.7 | 20.6 | ||
| Tier 1 Ratio | % | ... | ... | ... | ... | ... | ... | 14.8 | 13.5 | 13.8 | ||
| Net Interest Margin | % | 7.33 | 5.94 | 5.76 | 4.84 | 3.48 | ||||||
| Interest Spread | % | ... | 6.49 | 5.22 | 4.98 | 4.22 | 2.79 | |||||
| Asset Yield | % | 11.9 | 10.2 | 10.2 | 8.99 | 8.70 | ||||||
| Cost Of Liabilities | % | ... | 5.37 | 5.01 | 5.20 | 4.77 | 5.91 | |||||
| Interest Income (As % Of Revenues) | % | 86.3 | 80.7 | 80.2 | 79.6 | 74.9 | ||||||
| Fee Income (As % Of Revenues) | % | 15.4 | 17.6 | 17.6 | 19.3 | 19.1 | ||||||
| Other Income (As % Of Revenues) | % | -1.71 | 1.69 | 2.27 | 1.06 | 6.01 | ||||||
| Cost Per Employee | USD per month | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | |
| Cost Per Employee (Local Currency) | RUB per month | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | |
| Staff Cost (As % Of Total Cost) | % | 43.7 | 41.1 | 47.6 | 43.5 | 41.8 | ||||||
| Equity (As % Of Assets) | % | 14.0 | 14.9 | 14.9 | 11.4 | 11.9 | ||||||
| Loans (As % Of Deposits) | % | 151 | 173 | 160 | 139 | 123 | ||||||
| Loans (As % Assets) | % | 72.8 | 70.8 | 70.9 | 59.5 | 62.8 | ||||||
| NPLs (As % Of Loans) | % | 12.2 | 10.9 | 11.8 | 11.6 | 16.1 | ||||||
| Provisions (As % Of NPLs) | % | 86.3 | 92.0 | 77.7 | 67.6 | 56.6 | ||||||
| Provisions (As % Of Loans) | % | 11.7 | 11.1 | 10.1 | 8.50 | 10.0 | ||||||
| Cost of Provisions (As % Of Loans) | % | 1.32 | 1.39 | 1.79 | 2.83 | 3.22 |
| other data | Unit | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
| other data | ||||||||||||
| Branches | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ||
| Employees | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ||
| ATMs | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ||
| Sight (As % Of Customer Deposits) | % | ... | ... | ... | ... | ... | ... | ... | 22.5 | 35.6 |
Get all company financials in excel:
By Helgi Analytics - September 7, 2018
Rosbank's non-performing loans reached 8.04% of total loans at the end of 2017, down from 10.2% compared to the previous year. Historically, the NPL ratio hit an all time high of 21.6% in 2008 and an all time low of 8.04% in 2017. Provision coverage amounte...
By Helgi Analytics - September 7, 2018
Rosbank's net interest margin amounted to 4.00% in 2017, down from 4.12% compared to the previous year. Historically, the bank’s net interest margin reached an all time high of 7.33% in 2011 and an all time low of 3.48% in 2015. The average margin in th...
By Helgi Analytics - September 7, 2018
Rosbank's customer loans reached RUB 655 bil in 2017, up 11.4% 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. Rosbank accounted for 1.35% of all customer lo...
By Helgi Analytics - September 20, 2018
Rosbank's corporate deposits reached RUB 396 bil in 2017, up 56.8% 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. Rosbank accounted for 2.21% of all cor...
By Helgi Analytics - September 20, 2018
Rosbank's consumer loans reached RUB 217 bil in 2017, up 8.99% 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. Rosbank accounted for 3.35% of all consumer loa...
By Helgi Analytics - September 7, 2018
Rosbank made a net profit of RUB 10.4 bil under revenues of RUB 53.3 bil in 2017, up 235% and 9.15% respectively compared to the previous year. Historically, the bank’s net profit reached an all time high of RUB 13.9 bil in 2013 and an all time low of RUB -13.6 bil i...
By Helgi Analytics - September 7, 2018
Rosbank's loans reached RUB 701 bil in the 2017, up from RUB 642 bil compared to the previous year. Historically, the bank’s loans reached an all time high of RUB 734 bil in 2014 and an all time low of RUB 298 bil in 2009. In the last decade, the averag...
By Helgi Analytics - September 7, 2018
Rosbank generated total banking revenues of RUB 53.3 bil in 2017, up 9.15% 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. As...
By Helgi Analytics - September 7, 2018
Rosbank's capital adequacy ratio reached 21.0% at the end of 2017, up from 20.9% compared to the previous year. Historically, the bank’s capital ratio hit an all time high of 21.0% in 2017 and an all time low of 19.4% in 2013. The Tier 1 ratio amounted to ...
By Helgi Analytics - September 7, 2018
Rosbank generated total banking revenues of RUB 53.3 bil in 2017, up 9.15% 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 60.8 bil in 2014 and an all tim...
Rosbank is a Russia-based commercial bank. The Bank offers a wide range of banking and other financial services to commercial and private banking clients. Its products include loans, current and saving accounts, and deposits amongst others. In addition to providing mainstream banking products, the Group undertakes insurance activities, stock brokerage, investment in mutual funds, leasing services, real estate investment management and financial advice, amongst others. As of the end of 2013, the Bank operated 14 branches (down from 41 in 2012). The Bank, formerly known as Nezavisimost, was incorporated in 1993 and is based in Moscow, the Russian Federation. Rosbank operates as a subsidiary of Societe Generale Group
Rosbank has been growing its revenues and asset by 6.78% and 9.82% a year on average in the last 10 years. Its loans and deposits have grown by 10.9% and 8.61% a year during that time and loans to deposits ratio reached 101% at the end of 2017. The company achieved an average return on equity of 2.01% in the last decade with net profit growing 5.37% a year on average. In terms of operating efficiency, its cost to income ratio reached 66.8% in 2017, compared to 64.8% average in the last decade.
Equity represented 12.7% of total assets or 20.2% of loans at the end of 2017. Rosbank's non-performing loans were 8.04% of total loans while provisions covered some 82.1% of NPLs at the end of 2017.
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