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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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2014

2015

2016

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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2011

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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	0	0	1.29	0
10.9	11.7	18.2	5.06	-9.20
2.42	3.31	4.29	1.87	0.082
0.094	0	0	0	0
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	0	0	0	0
				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

2012

2013

2014

2015

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2017

other data

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

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

Download Data

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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What Banks in Russia Were the Largest in 2016?

October 19, 2019

Based on a comparison of 19 banks in Russia in 2016, Sberbank was the largest bank by assets, followed by VTB Bank and Gazprombank.

Sberbank assets reached RUB 25,369 bil, down 7.19% when compared to the last year. Historically,

Based on a comparison of 19 banks in Russia in 2016, Sberbank was the largest bank by assets, followed by VTB Bank and Gazprombank.

Sberbank assets reached RUB 25,369 bil, down 7.19% when compared to the last year. Historically, the bank’s assets reached an all time high of RUB 27,335 bil in 2015 and an all time low of RUB 889 bil in 2001.

Comparing Sberbank with its closest peers, VTB Bank assets amounted to RUB 12,588 bil, Gazprombank operated with RUB 4,879 bil assets and Otkritie Financial Corporation Bank had total assets of RUB 2,703 bil.

Total assets of the Russian banking sector amounted to RUB 73,936 bil in 2016, down 3.93% when compared to the last year. As a result, the top ranked company - Sberbank accounted for 0.034% of the sector’s assets in 2016. The top 3 companies held a 0.058% share while the five largest firms some 0.065% in 2016.

You can see all the banks assets on the Total Assets 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 2016?

October 19, 2019

Based on a comparison of 19 banks in Russia in 2016, Tinkoff Group operated with the highest net interest margin, followed by OTP Bank Russia and Rusfinance Bank.

Tinkoff Group's net interest margin amounted to 21.6% in 2016, up

Based on a comparison of 19 banks in Russia in 2016, Tinkoff Group operated with the highest net interest margin, followed by OTP Bank Russia and Rusfinance Bank.

Tinkoff Group's net interest margin amounted to 21.6% in 2016, up from 19.8% 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 27.2%.

Average asset yield was 30.4% in 2016, up from 30.2% when compared to previous year. On the other hand, cost of funding amounted to 10.5% in 2016, down from 12.7%.

Comparing Tinkoff Group with its closest peers, OTP Bank Russia operated in 2016 with a net interest margin of 13.8% Rusfinance Bank reached 8.56% and Sovcombank some 5.54%.

The average net interest margin reached 3.52% in the Russian banking sector in 2016 while interest spread amounted to 5.63%.

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.

What Banks in Russia Were the Best Capitalised in 2016?

October 19, 2019

Based on a comparison of 18 banks in Russia in 2016, Raiffeisenbank Russia was the best capitalised bank, followed by Rosbank and UniCredit Bank Russia.

Raiffeisenbank Russia's capital adequacy ratio reached 26.3%, up from 20.6%

Based on a comparison of 18 banks in Russia in 2016, Raiffeisenbank Russia was the best capitalised bank, followed by Rosbank and UniCredit Bank Russia.

Raiffeisenbank Russia's capital adequacy ratio reached 26.3%, up from 20.6% 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, Rosbank ended the year 2016 with a capital adequacy ratio at 20.9%, UniCredit Bank Russia with 19.3% and Alfa Bank some 18.7% at the end of 2016.

The average capital adequacy reached 13.1% in the Russian banking sector in 2016.

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 Were the Largest Deposit Takers in 2016?

October 19, 2019

Based on a comparison of 19 banks in Russia in 2016, Sberbank was the largest deposit taker, followed by VTB Bank and Gazprombank.

Sberbank's customer deposits reached RUB 18,685 bil, down from RUB 19,798 bil, compared

Based on a comparison of 19 banks in Russia in 2016, Sberbank was the largest deposit taker, followed by VTB Bank and Gazprombank.

Sberbank's customer deposits reached RUB 18,685 bil, down from RUB 19,798 bil, compared to the previous year. Historically, the bank’s net profit reached an all time high of RUB 19,798 bil in 2015 and an all time low of RUB 728 bil in 2001.

Comparing Sberbank with its closest peers, VTB Bank 's deposits amounted to RUB 7,347 bil at the end of 2016, Gazprombank operated with RUB 3,331 bil of customer deposits and Russian Agricultural Bank had clients' deposits of RUB 1,578 bil at the end of 2016.

Russian banks had customer deposits of CZK 35,180 bil in 2016, down 6.08% when compared to the last year. As a result, the top ranked company - Sberbank accounted for 0.053% of the sector’s deposits in 2016. The top 3 companies held a 0.083% share while the five largest firms some 0.092% in 2016.

You can see all the banks customers deposits data on the Customer Deposits 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 mortgage loans rose 5.19% to RUB 191 bil in 2017

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

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

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

Rosbank's customer loans rose 11.4% to RUB 655 bil 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 net profit rose 235% to RUB 10.4 bil in 2017

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

Rosbank's total revenues rose 9.15% to RUB 53.3 bil in 2017

Rosbank's capital adequacy ratio rose 0.478% to 21.0% in 2017

Rosbank's net interest income fell 1.24% to RUB 38.5 bil in 2017

Rosbank's customer loan growth rose 255% to 11.4% in 2017

Rosbank's retail loan growth rose 180% to 7.18% in 2017