Rosbank

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

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...

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

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...

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

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:

Download Sample   $19.99

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:

Download Sample   $19.99

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

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...

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

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...

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

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...

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

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...

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

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...

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

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...

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

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...

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

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...

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

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 ...

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

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...

More News

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 Logo

Finance

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.