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Rosbank

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

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summary

Unit

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2017

income statement

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

44.0	45.9	47.8	48.4	37.3
51.0	56.8	59.7	60.8	49.9
16.3	19.4	28.7	24.6	11.9
8.43	8.43	13.9	3.18	9.28

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

42.3	55.4	49.2	106	92.9
543	565	612	677	635
61.9	43.3	54.5	228	142
746	798	864	1,137	1,011
105	119	129	130	121
173	201	181	179	87.5
359	327	382	486	517
90.1	122	149	322	273

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)	%

				8.91%	7.55%	11.3%	2.46%	7.42%
				1.40%	1.09%	1.68%	0.318%	0.864%
				5.77%	4.85%	3.72%	3.62%	3.53%
				67.9%	65.8%	51.8%	59.5%	76.1%
...	...	...	...	...	...	19.4%	19.7%	20.6%
				7.33%	5.94%	5.76%	4.84%	3.48%
				86.3%	80.7%	80.2%	79.6%	74.9%
				15.4%	17.6%	17.6%	19.3%	19.1%
				43.7%	41.1%	47.6%	43.5%	41.8%
				14.0%	14.9%	14.9%	11.4%	11.9%
				151%	173%	160%	139%	123%
				72.8%	70.8%	70.9%	59.5%	62.8%
				12.2%	10.9%	11.8%	11.6%	16.1%
				86.3%	92.0%	77.7%	67.6%	56.6%

Download Data

income statement

Unit

2007

2008

2009

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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

71.1	79.0	84.7	89.9	93.5
27.1	33.1	36.8	41.5	56.1
44.0	45.9	47.8	48.4	37.3
7.83	10.0	10.5	11.7	9.53
-0.870	0.960	1.36	0.645	3.00
51.0	56.8	59.7	60.8	49.9
15.1	15.4	14.7	15.8	15.9
1.29	1.89	2.18	2.20	2.53
18.2	20.1	14.0	18.2	19.5
34.6	37.4	30.9	36.2	38.0
16.3	19.4	28.7	24.6	11.9
5.40	7.70	10.5	18.2	21.1
0.000	0.000	0.000	1.29	0.000
10.9	11.7	18.2	5.06	-9.20
2.42	3.31	4.29	1.87	0.082
0.094	0.000	0.000	0.000	0.000
8.43	8.43	13.9	3.18	9.28

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	%

...	74.7%	4.22%	4.32%	1.16%	-22.9%
...	62.3%	28.1%	4.68%	12.0%	-18.8%
...	60.9%	11.5%	5.01%	1.84%	-18.0%
...	73.7%	8.03%	-17.3%	17.0%	4.84%
...	39.2%	19.0%	47.9%	-14.5%	-51.6%
...	5,315%	7.35%	55.2%	-72.3%	-282%
...	1,641%	0.071%	65.3%	-77.2%	192%

market share

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

				1.46%	1.43%	1.32%	1.01%	0.745%
		...		1.24%	1.07%	1.92%	0.654%	10.9%
...	...	...	...	...	...	...	...	...	...

Download Data

balance sheet

Unit

2007

2008

2009

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2011

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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

				56.8	90.8	73.5	78.2	103
				42.3	55.4	49.2	106	92.9
				543	565	612	677	635
				359	404	450	485	418
				109	124	150	188	188
				51.8	74.8	91.4	115	79.9
...				243	215	214	242	266
				61.9	43.3	54.5	228	142
				24.7	25.2	25.4	25.3	22.2
				746	798	864	1,137	1,011
				105	119	129	130	121
				0.000	0.000	0.000	0.000	0.000
				641	680	735	1,007	891
				173	201	181	179	87.5
				359	327	382	486	517
...	...	...	...	...	141	162	170	200
...	...	...	...	...	187	220	316	316
...	...	...	...	...	...	...	109	184
...	...	...	...	...	...	...	376	333
				90.1	122	149	322	273
				18.6	29.5	23.6	20.5	13.5

asset quality

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

73.7	68.2	79.3	85.1	112
606	628	674	734	698
63.6	62.8	61.7	57.5	63.5

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	%

...				98.6%	4.11%	8.35%	10.5%	-6.22%
...				132%	12.7%	11.3%	7.80%	-13.8%
...				462%	14.5%	20.5%	25.8%	-0.071%
...				2.99%	44.4%	22.2%	25.3%	-30.3%
...	...			46.8%	-11.6%	-0.169%	13.1%	9.94%
...				64.0%	7.09%	8.24%	31.6%	-11.1%
...				23.7%	13.5%	8.44%	0.697%	-7.05%
...				24.6%	-8.90%	16.7%	27.1%	6.39%
...	...	...	...	...	...	15.1%	5.11%	17.8%
...	...	...	...	...	...	17.9%	43.3%	0.238%

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	%

				2.18%	1.89%	1.72%	1.49%	1.29%
...	...	...		1.49%	1.15%	1.01%	0.885%	0.876%
...				1.28%	1.31%	1.25%	1.47%	1.19%
				6.47%	5.23%	4.52%	4.28%	3.91%
...				7.34%	6.22%	5.65%	5.34%	4.73%
				1.91%	1.71%	1.59%	1.56%	1.31%
				2.04%	1.59%	1.60%	1.55%	1.38%
...	...	...	...	...	0.987%	0.955%	0.917%	0.863%
...	...	...	...	...	1.94%	2.03%	1.86%	1.66%

Download Data

ratios

Unit

2007

2008

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)	%

				8.91%	7.55%	11.3%	2.46%	7.42%
				1.40%	1.09%	1.68%	0.318%	0.864%
				5.77%	4.85%	3.72%	3.62%	3.53%
				67.9%	65.8%	51.8%	59.5%	76.1%
...	...	...	...	...	...	19.4%	19.7%	20.6%
...	...	...	...	...	...	14.8%	13.5%	13.8%
				7.33%	5.94%	5.76%	4.84%	3.48%
...				6.49%	5.22%	4.98%	4.22%	2.79%
				11.9%	10.2%	10.2%	8.99%	8.70%
...				5.37%	5.01%	5.20%	4.77%	5.91%
				86.3%	80.7%	80.2%	79.6%	74.9%
				15.4%	17.6%	17.6%	19.3%	19.1%
				-1.71%	1.69%	2.27%	1.06%	6.01%
...	...	...	...	...	...	...	...	...	...
...	...	...	...	...	...	...	...	...	...
				43.7%	41.1%	47.6%	43.5%	41.8%
				14.0%	14.9%	14.9%	11.4%	11.9%
				151%	173%	160%	139%	123%
				72.8%	70.8%	70.9%	59.5%	62.8%
				12.2%	10.9%	11.8%	11.6%	16.1%
				86.3%	92.0%	77.7%	67.6%	56.6%
				11.7%	11.1%	10.1%	8.50%	10.0%
				1.32%	1.39%	1.79%	2.83%	3.22%

Download Data

other data

Unit

2007

2008

2009

2010

2011

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2017

other data

Branches
Employees
ATMs
Sight (As % Of Customer Deposits)	%

...	...	...	...	...	...	...	...	...	...
...	...	...	...	...	...	...	...	...	...
...	...	...	...	...	...	...	...	...	...
...	...	...	...	...	...	...	22.5%	35.6%

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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.

Rosbank in Numbers

September 29, 2018

This Annual statistical dossier offers a summary of Rosbank's performance between 2007 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,

This Annual statistical dossier offers a summary of Rosbank's performance between 2007 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 Rosbank'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.

Rosbank at a Glance

November 17, 2014

This report offers a summary of the company's performance in 2007-2013. You will find here all the key numbers from the bank's balance sheet, income statement and all the main ratios related to the bank's business.

In addition, we provide an overview of the bank's market position on the Russian banking market

Rosbank in Numbers

November 2, 2014

This excel file offers a summary of the company's performance in 2007-2013. You will find here all the key numbers from the bank's balance sheet, income statement and all the main ratios related to the bank's business.

In addition, we provide an overview of the bank's market position on the Russian banking market

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Rosbank - Market Share in Mortgage Loans

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 mortgage loans of RUB 5,187 bil in 2017, up 15.5% when compared to the last year.

Rosbank

Rosbank's mortgage loans reached RUB 191 bil in 2017, up 5.19% compared to the previous year.

Russian banking sector provided mortgage loans of RUB 5,187 bil in 2017, up 15.5% when compared to the last year.

Rosbank accounted for 3.68% of all mortgage loans issued in Russia at the end of 2017. Historically, the bank’s market share in mortgage loans reached an all time high of 7.34% in 2011 and an all time low of 1.71% in 2010.

You can see all the company’s data at Rosbank Profile, or you can download a report on the firm in the report section.

What Banks in Russia Generated the Most Revenues in 2016?

October 1, 2018

Based on a comparison of 15 banks in Russia in 2016, Sberbank generated the largest revenues, followed by VTB Bank and Gazprombank.

Sberbank reported total revenues of 1,698, up 18.7% compared to the previous year. Historically,

Based on a comparison of 15 banks in Russia in 2016, Sberbank generated the largest revenues, followed by VTB Bank and Gazprombank.

Sberbank reported total revenues of 1,698, up 18.7% 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 1,698 in 2016 and an all time low of 112 in 2003. The average revenue in the last five years amounted to 1,291.

Bank's total revenues accounted for 6.69% of total assets in 2016, up from 5.23% a year earlier.

Comparing Sberbank with its closest peers, VTB Bank generated total revenues of 502, or 3.99% of assets in 2016, Gazprombank operated with 156 total income, or 3.20% revenue margin and Alfa Bank produced total income worth 135, or 5.80% of assets.

Russian banking sector generated total revenues of 13,123,548 in 2016, up 96.2% when compared to the previous year. As a result, the top ranked company - Sberbank accounted for 0.013% of the sector’s total income in 2016. The top 3 companies held a 0.018% share while the five largest firms some 0.020% in 2016.

You can see all the banks revenues data on the Total Revenues indicator page or you can download a report on the Russian banks in the report section.

What Banks in Russia Were the Most Profitable in 2016?

October 1, 2018

Based on a comparison of 15 banks in Russia, Sberbank produced the highest net profit in 2016, followed by VTB Bank and Alfa Bank.

Sberbank made a net profit of 541, up 142% compared to the previous year. Historically,

Based on a comparison of 15 banks in Russia, Sberbank produced the highest net profit in 2016, followed by VTB Bank and Alfa Bank.

Sberbank made a net profit of 541, up 142% compared to the previous year. Historically, the bank’s net profit reached an all time high of 541 in 2016 and an all time low of 13.9 in 2003. The average profit in the last five years amounted to 354.

The bank generated an average return on equity of 18.2% for its shareholders in the last five years with a maximum of 24.1% and a minimum of 10.2%.

Comparing Sberbank with its closest peers, VTB Bank generated a net profit of 52.3 with a ROE of 3.64% in 2016, Alfa Bank netted 35.6 (ROE of 10.7%) and Sovcombank announced a net profit of 33.6 giving a ROE of 73.7%.

The net profit of the Russia’s banking sector amounted to 655,901 in 2016, up 671% compared to the previous year. Heading up the rankings, Sberbank accounted for 0.082% of the sector’s net profit in 2016. The top 3 companies held a 0.096% share while the five largest firms some 0.106% in 2016.

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 Paid its Staff the Most in 2017?

October 1, 2018

Based on a comparison of 14 banks in Russia in 2017, UniCredit Bank Russia was paying its employees the best, followed by Raiffeisenbank Russia and Promsvyazbank.

UniCredit Bank Russia employed 4,044 persons in 2017, down 0.979% when

Based on a comparison of 14 banks in Russia in 2017, UniCredit Bank Russia was paying its employees the best, followed by Raiffeisenbank Russia and Promsvyazbank.

UniCredit Bank Russia employed 4,044 persons in 2017, down 0.979% when compared to the previous year. Historically, the bank's workforce hit an all time high of 4,084 persons in 2016 and an all time low of 2,814 in 2007.

Average cost reached 182,354 per employee, 2.16% more than a year ago. This figure was 90,411 some 10 years ago.

Staff accounted for 49.7% of total operating expenditures in 2017.

Comparing UniCredit Bank Russia with its closest peers, Raiffeisenbank Russia had 8,171 employees with average cost of 146,485 per person, Promsvyazbank operated with 9,500 people (and 138,895 per employee) and VTB Bank had 96,957 employees in 2017 with cost of 133,392 per head.

You can see all the banks cost per employee data on the Cost Per Employee indicator page or you can download a report on the Russian banks in the report section.

See all charts of the company »

Rosbank's customer deposits rose 40.3% to RUB 648 bil in 2017

Rosbank's retail deposits rose 20.4% to RUB 252 bil in 2017

Rosbank's mortgage loans rose 5.19% to RUB 191 bil in 2017

Rosbank's npls (as % of loans) fell 20.8% to 8.04% in 2017

Rosbank's customer loans rose 11.4% to RUB 655 bil in 2017

Rosbank's net interest margin fell 2.77% to 4.00% in 2017

Rosbank's corporate deposits rose 56.8% to RUB 396 bil in 2017

Rosbank's consumer loans rose 8.99% to RUB 217 bil in 2017

Rosbank's corporate loans rose 11.7% to RUB 273 bil in 2017

Rosbank's net profit rose 235% to RUB 10.4 bil in 2017