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Russian Agricultural Bank

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Russian Agricultural Bank

Russian Agricultural Bank is a Russia-based state-owned bank. The Bank provides commercial and retail banking services to agribusiness and rural population in the Russian Federation. The products and services include bank accounts, debit cards, currency exchange, deposit boxes, lending and investment services among others. Apart from the traditional banking services, the Bank executes the Russian Government's financial policy in the Russian agricultural industry and implements the State Program on Agribusiness Development. At the end of 2013, the Bank had a branch network of 78 regional branches and approximately 1,500 additional offices and employed more than 36,500 employees. The Bank was founded in 2000 and is based in Moscow, the Russian Federation

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Annual Quarterly

summary

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income statement

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

...	56.4	65.4	60.0	23.9	56.5
...	81.3	83.7	74.9	38.4	77.0
...	24.8	27.0	5.63	-9.58	29.9
...	0.365	0.840	-47.4	-94.1	-58.2

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

...	45.9	43.1	34.0	61.1	55.5
...	1,071	1,261	1,416	1,626	1,618
...	154	184	266	415	269
...	1,429	1,671	1,916	2,348	2,463
...	198	228	198	196	165
...	136	150	286	97.3	78.6
...	557	722	762	1,190	1,578
...	519	555	640	850	623

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)	%

...										0.206%	0.395%	-22.3%	-47.8%	-32.3%
...										0.027%	0.054%	-2.64%	-4.42%	-2.42%
...										4.16%	3.66%	3.86%	2.25%	1.96%
...										69.5%	67.7%	92.5%	125%	61.2%
...	...	...	...	...	...	...	...	...	...	16.1%	18.0%	13.0%	11.7%	10.0%
...										4.16%	4.22%	3.34%	1.12%	2.35%
...										69.4%	78.1%	80.0%	62.4%	73.4%
...										7.75%	9.99%	11.8%	31.6%	18.8%
...										39.6%	42.7%	36.6%	49.4%	54.2%
...										13.9%	13.6%	10.3%	8.34%	6.68%
...										192%	175%	186%	137%	103%
...										74.9%	75.5%	73.9%	69.2%	65.7%
...	...	...	...	...						27.0%	25.9%	26.0%	22.9%	20.5%
...	...	...	...	...						30.8%	32.2%	34.0%	43.4%	51.2%

Download Data

income statement

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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
Dividends	RUB bil

...	136	153	161	196	241
...	79.5	87.2	101	173	184
...	56.4	65.4	60.0	23.9	56.5
...	6.30	8.36	8.82	12.1	14.4
...	18.6	9.95	6.14	2.30	6.02
...	81.3	83.7	74.9	38.4	77.0
...	22.4	24.2	25.3	23.7	25.5
...	1.30	1.93	2.02	2.12	2.21
...	32.8	30.5	42.0	22.1	19.4
...	56.5	56.7	69.3	47.9	47.1
...	24.8	27.0	5.63	-9.58	29.9
...	26.6	27.0	55.9	90.4	86.5
...	-2.61	-0.538	0	-0.344	1.36
...	0.820	0.539	-50.3	-99.7	-58.0
...	0.676	-0.190	-2.34	-5.44	0.993
...	-0.221	-0.111	-0.523	-0.073	-0.731
...	0.365	0.840	-47.4	-94.1	-58.2
	0.131	0.255	0.255	...	...

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	%

...	...	5.22%	15.8%	-8.23%	-60.1%	136%
...	...	49.9%	32.7%	5.52%	37.5%	19.1%
...	...	30.3%	2.95%	-10.4%	-48.8%	101%
...	...	43.1%	0.363%	22.3%	-30.8%	-1.72%
...	...	8.34%	8.83%	-79.1%	-270%	-412%
...	...	134%	-34.3%	-9,425%	98.3%	-41.8%
...	...	-240%	130%	-5,743%	98.6%	-38.2%

market share

Market Share in Revenues	%
Market Share in Net Profit	%
Market Share in Employees	%
Market Share in Bank Cards	%
Market Share in Branches	%

...	...	...									0.002%	0.002%	0.001%	< 0.001%	< 0.001%		...
...	...	...								...	< 0.001%	< 0.001%	...	...	...	...	...
...	...	...	...	...	...	...	...	...	...	...	...	...	3.78%	3.43%	...	...	...
...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...		...
...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	3.82%		...

Download Data

balance sheet

Unit

2001

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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

...											115	137	114	176	337
...											45.9	43.1	34.0	61.1	55.5
...											1,071	1,261	1,416	1,626	1,618
...	...	...	...	...							200	251	281	297	327
...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	147	...	...
...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	180	...	...
...	...	...	...	...							946	1,113	1,262	1,481	1,446
...											154	184	266	415	269
...											24.8	26.4	26.6	23.6	19.2
...											1,429	1,671	1,916	2,348	2,463
...											198	228	198	196	165
...											0.983	1.18	0.332	0.733	-0.004
...											1,231	1,443	1,718	2,153	2,298
...											136	150	286	97.3	78.6
...											557	722	762	1,190	1,578
...											188	249	307	487	613
...											292	318	354	461	572
...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	550
...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	1,028
...											519	555	640	850	623
...											17.6	16.1	30.4	16.0	18.8

asset quality

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

...	...	...	...	...	316	356	404	413	371
...	...	...	...	...	1,168	1,375	1,554	1,805	1,808
...	...	...	...	...	97.4	114	137	179	190

growth rates

Customer Loan Growth	%
Retail Loan Growth	%
Corporate Loan Growth	%
Total Asset Growth	%
Shareholders' Equity Growth	%
Customer Deposit Growth	%
Retail Deposit Growth	%
Corporate Deposit Growth	%

...	...					18.5%	17.8%	12.3%	14.8%	-0.474%
...	...	...	...	...	...	35.4%	25.5%	12.2%	5.60%	10.2%
...	...	...	...	...	...	18.8%	17.6%	13.4%	17.3%	-2.32%
...	...					11.2%	16.9%	14.7%	22.6%	4.86%
...	...					26.2%	15.1%	-13.1%	-1.11%	-15.9%
...	...					-8.20%	29.5%	5.47%	56.2%	32.6%
...	...					24.2%	32.7%	23.1%	58.6%	26.0%
...	...					13.1%	8.75%	11.2%	30.5%	24.0%

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	%

...											0.004%	0.004%	0.003%	0.003%	0.003%		...
...	...	...	...	...	...	...	...	...			0.005%	0.005%	0.005%	0.005%	0.005%		...
...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	0.003%	...	...
...	...	...	...	...							0.003%	0.003%	0.002%	0.003%	0.003%		...
...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	0.003%	...	...
...	...	...									0.003%	0.003%	0.003%	0.003%	0.003%		...
...	...	...									0.003%	0.003%	0.002%	0.003%	0.004%		...
...	...	...									0.001%	0.001%	0.002%	0.002%	0.003%		...
...	...	...									0.003%	0.003%	0.002%	0.002%	0.003%		...

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ratios

Unit

2001

2002

2003

2004

2005

2006

2007

2008

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2018

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	%
Payout Ratio	%
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)	%

...										0.206%	0.395%	-22.3%	-47.8%	-32.3%
...										0.027%	0.054%	-2.64%	-4.42%	-2.42%
...										4.16%	3.66%	3.86%	2.25%	1.96%
...										69.5%	67.7%	92.5%	125%	61.2%
...	...	...	...	...	...	...	...	...	...	16.1%	18.0%	13.0%	11.7%	10.0%
...	...	...	...	...	...	...	...	...	...	12.6%	13.6%	9.90%	7.70%	6.50%
...										4.16%	4.22%	3.34%	1.12%	2.35%
...	...									3.28%	3.32%	2.58%	0.299%	1.73%
...										10.0%	9.85%	9.00%	9.21%	10.0%
...	...									6.74%	6.53%	6.42%	8.91%	8.29%
...										35.9%	30.4%	-0.538%	...	...
...										69.4%	78.1%	80.0%	62.4%	73.4%
...										7.75%	9.99%	11.8%	31.6%	18.8%
...										22.8%	11.9%	8.19%	5.99%	7.81%
...										1,691	1,740	1,255	1,027	1,170	...
...										52,529	55,446	58,729	68,640	78,150	...
...										39.6%	42.7%	36.6%	49.4%	54.2%
...										13.9%	13.6%	10.3%	8.34%	6.68%
...										192%	175%	186%	137%	103%
...										74.9%	75.5%	73.9%	69.2%	65.7%
...	...	...	...	...						27.0%	25.9%	26.0%	22.9%	20.5%
...	...	...	...	...						30.8%	32.2%	34.0%	43.4%	51.2%
...	...	...	...	...						9.09%	9.07%	9.71%	11.0%	11.7%
...										2.69%	2.32%	4.18%	5.95%	5.33%

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other data

Unit

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other data

Branches
Employees
ATMs
Clients	mil
Payment Cards	'000
Sight (As % Of Customer Deposits)	%

...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	1,298
...											35,458	36,349	35,945	28,772	27,236		...
...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	3,503	...	...
...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...		...
...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...		...
...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	34.9%

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Russian Agricultural Bank in Quarterly Numbers

August 17, 2019

This Quarterly statistical dossier offers a summary of Russian Agricultural Bank's performance between Mar 16 and Mar 19 on an quarterly 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

This Quarterly statistical dossier offers a summary of Russian Agricultural Bank's performance between Mar 16 and Mar 19 on an quarterly 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 RAB'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.

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.

Russian Agricultural Bank in Numbers

September 29, 2018

This Annual statistical dossier offers a summary of Russian Agricultural Bank's performance between 2001 and 2018 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,

This Annual statistical dossier offers a summary of Russian Agricultural Bank's performance between 2001 and 2018 on an annual basis. The report can be downloaded as an excel file.

If you are interested in the bank’s quarterly figures, please refer to the bank’s quarterly statistical dossier.

Russian Agricultural Bank at a Glance

November 18, 2014

This report offers a summary of the company's performance in 2002-2013. 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

Russian Agricultural Bank in Numbers

November 4, 2014

This excel file offers a summary of the company's performance in 2002-2013. 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 Had the Lowest Loan to Deposit Ratio in 2016?

October 19, 2019

Based on a comparison of 19 banks in Russia in 2016, B&N Bank operated with the lowest loan to deposit ratio, followed by AK BARS Bank and Tinkoff Group.

B&N Bank's loan to deposit ratio reached 36.7% at the end of 2016,

Based on a comparison of 19 banks in Russia in 2016, B&N Bank operated with the lowest loan to deposit ratio, followed by AK BARS Bank and Tinkoff Group.

B&N Bank's loan to deposit ratio reached 36.7% at the end of 2016, down from 44.7% when compared to the previous year. Historically, the bank’s loans to deposits hit an all time high of 81.2% in 2014 and an all time low of 36.7% in 2016.

Comparing B&N Bank with its closest peers, AK BARS Bank ended the year 2016 with loans to deposits at 80.1%, Tinkoff Group with 82.6% and OTP Bank Russia some 85.6% of loans to deposits at the end of 2016.

Overall, total loans of the Russian banking sector amounted to 133% of deposits at the end of 2016.

You can see all the banks loan to deposit ratio on the Loans (As % Of Deposits) 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 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 »

RAB's net profit fell 95.4% to RUB 0.513 bil in 1Q2019

RAB's net interest margin rose 25.5% to 2.09% in 1Q2019

RAB's customer loan growth rose 14.1% to 12.4% in 1Q2019

RAB's Cost of Risk fell 47.5% to 1.08% in 1Q2019

RAB's net interest income rose 34.8% to RUB 16.7 bil in 1Q2019

RAB's equity (as % of assets) fell 5.50% to 4.60% in 1Q2019

RAB's provisions (as % of loans) fell 0.317% to 16.9% in 1Q2019

RAB's net interest margin fell 5.05% to 2.25% in 2018

RAB's net profit rose 108% to RUB 1.56 bil in 2018

RAB's npls (as % of loans) rose 7.15% to 19.2% in 2018

RAB's net interest income rose 6.52% to RUB 67.4 bil in 2018