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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%

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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

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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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Russian Agricultural Bank - Quarterly Cost of Risk

August 23, 2019

Russian Agricultural Bank's Cost of Risk (loan loss provisions as % of total assets) amounted to 1.08% in the first quarter of 2019, down from 2.06% when compared to the previous quarter.

Historically, the bank’s cost of risk

Russian Agricultural Bank's Cost of Risk (loan loss provisions as % of total assets) amounted to 1.08% in the first quarter of 2019, down from 2.06% when compared to the previous quarter.

Historically, the bank’s cost of risk reached an all time high of 3.03% in 2Q2017 and an all time low of 1.08% in 1Q2019. The average cost of risk in the last six quarters amounted to 1.96%.

On the other hand, average asset yield was 7.64% in 1Q2019, down from 8.23% when compared to the same period last year. Cost of funding amounted to 5.82% in 1Q2019, down from 6.11%.

When compared to bank's main peers, Sberbank operated in the first quarter of 2019 with a cost of risk of 0.221% and VTB Bank reached 0.385%.

You can see all the bank’s data at Russian Agricultural Bank Profile, or you can download a report on the bank in the report section.

What Banks in Russia Were the Most Profitable in 2017?

August 20, 2019

Based on a comparison of 18 banks in Russia, Sberbank produced the highest net profit in 2017, followed by VTB Bank and Alfa Bank.

Sberbank made a net profit of RUB 750 bil, up 38.8% compared to the previous year. Historically,

Based on a comparison of 18 banks in Russia, Sberbank produced the highest net profit in 2017, followed by VTB Bank and Alfa Bank.

Sberbank made a net profit of RUB 750 bil, up 38.8% compared to the previous year. Historically, the bank’s net profit reached an all time high of RUB 750 bil in 2017 and an all time low of RUB 13.9 bil in 2003. The average profit in the last five years amounted to RUB 434 bil.

The bank generated an average return on equity of 18.1% for its shareholders in the last five years with a maximum of 24.0% and a minimum of 10.2%.

Comparing Sberbank with its closest peers, VTB Bank generated a net profit of RUB 120 bil with a ROE of 8.32% in 2017, Alfa Bank netted RUB 47.1 bil (ROE of 13.2%) and Gazprombank announced a net profit of RUB 33.8 bil giving a ROE of 6.31%.

The net profit of the Russia’s banking sector amounted to RUB 503,411 bil in 2017, down 23.2% compared to the previous year. Heading up the rankings, Sberbank accounted for 0.149% of the sector’s net profit in 2017. The top 3 companies held a 0.182% share while the five largest firms some 0.195% in 2017.

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 Generated the Most Revenues in 2017?

August 20, 2019

Based on a comparison of 18 banks in Russia in 2017, Sberbank generated the largest revenues, followed by VTB Bank and Gazprombank.

Sberbank reported total revenues of RUB 1,903 bil, up 12.1% compared to the previous year.

Based on a comparison of 18 banks in Russia in 2017, Sberbank generated the largest revenues, followed by VTB Bank and Gazprombank.

Sberbank reported total revenues of RUB 1,903 bil, up 12.1% 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 1,903 bil in 2017 and an all time low of RUB 112 bil in 2003. The average revenue in the last five years amounted to RUB 1,487 bil.

Bank's total revenues accounted for 7.02% of total assets in 2017, up from 6.69% a year earlier.

Comparing Sberbank with its closest peers, VTB Bank generated total revenues of RUB 598 bil, or 4.60% of assets in 2017, Gazprombank operated with RUB 154 bil total income, or 2.78% revenue margin and Alfa Bank produced total income worth RUB 137 bil, or 5.33% of assets.

Russian banking sector generated total revenues of RUB 10,903,149 bil in 2017, down 16.9% when compared to the previous year. As a result, the top ranked company - Sberbank accounted for 0.017% of the sector’s total income in 2017. The top 3 companies held a 0.024% share while the five largest firms some 0.027% in 2017.

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 Paid its Staff the Most in 2017?

August 20, 2019

Based on a comparison of 17 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 17 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 RUB 182,354 per month per employee, 2.16% more than a year ago. This figure was RUB 90,411 per month 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 RUB 146,485 per month per person, Promsvyazbank operated with 9,500 people (and RUB 138,895 per month per employee) and VTB Bank had 96,957 employees in 2017 with cost of RUB 133,392 per month 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 »

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 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

RAB's capital adequacy ratio fell 1.94% to 15.2% in 2018