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Società: Rusfinance Bank
Patrita IVA 5012003647, BIN 1026300001991, LEI 549300LCJJGCU17UZ036

Denominazine completa dell'emittente
Rusfinance Bank
Paese di rischio
Russia
Paese di registrazione
Russia
Settore industriale
Settore bancario
Rating del credito
in valuta estera
  • M/S&P/F
    ***/***/***
  • ACRA/Expert RA
    ***/-
Debito obbligazionario
-
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Profilo

Rusfinance Bank is one of Russia’s top players on consumer finance market that offers the full spectrum of services in its segment: •         Car finance •         POS finance •         Revolving cards •         Cash loans   Rusfinance Bank is presented in 66 regions

Rusfinance Bank is one of Russia’s top players on consumer finance market that offers the full spectrum of services in its segment:

•         Car finance

•         POS finance

•         Revolving cards

•         Cash loans

 

Rusfinance Bank is presented in 66 regions (in which 136 credit-cash offices and 2 additional offices). The bank operates a developed partner network – about 28 000 active points of sale (retail chains and car dealers) in 2017.

 

Rusfinance Bank is assigned one of the highest credit ratings among its peers:

•         FitchRatings: BBB-/Positive

•         Moody’s Investors Service: Ba2 for Long Term Bank Deposits (Foreign) / Ba1 for Long Term Bank Deposits (Domestic)/Stable

•         ACRA: AAA(RU)/Stable

 

The sole participant of Rusfinance Bank is "Rosbank" (OJSC JSCB). Rusfinance Bank is a member of Rosbank Group whose shareholder Societe Generale group is one of the largest financial groups in the euro area.

Rusfinance Bank is closely integrated into Rosbank Group that benefits its funding and liquidity profiles. Rosbank Group provides Rusfinance with strong capitalization. The capital adequacy ratio amounts to 13.4% (Н1.0), 13.3% (Н1.1) and 13.3% (Н1.2) according to the Bank of Russia methodology and to the principles of "Basel III" committee as of 31.12.2017.

Rusfinance Bank is the third largest bank in Car finance in 2017 being behind state banks: Setelem and VTB24 (source: Frank Research Group, 12M2017). Car loans (loans secured by a pledge of cars) account for 77% of its Retail Portfolio which renders it more reliable from the standpoint of Credit risk management.

Rusfinance Bank is a Top 6 bank in POS finance (source: Frank Research Group, 12M2017).                

Financial performance

 

2012

2013

2014

2015

2016

2017

Assets

98 111

108 635

118 903

92 463

97 653

 114 230  

Equity

24 384

24 585

25 219

23 018

23 026

 23 727  

Loans (net of provision)

92 304

102 501

103 251

89 028

90 467

 108 662  

Provision

13 297

12 698

12 073

13 293

11 984

 9 930  

Net interest income before provisions

11 638

10 493

10 407

9 026

8 135

 7 126  

Operating expenses

6 121

5 408

5 840

5 326

5 763

 6 335  

Cost of risk

1 322

2 666

3 351

4 095

1 836

 1 063  

Net Profit

4 021

2 937

2 366

802

1 648

  1 101

ROAA

4,1%

2,8%

2,1%

0,8%

1,7%

1,0%

ROAE

16,6%

12,0%

9,5%

3,3%

7,2%

4,7%

Cost/income

48,6%

45,6%

47,8%

51,1%

59,5%

71,3%

Net interest margin

12,5%

10,6%

9,5%

8,9%

8,8%

6,9%

NPL (90+)

12,9%

11,6%

12,3%

15,0%

12,8%

8,7%

Provisions of NPL (90+)

97,8%

95,1%

85,1%

86,5%

91,1%

96,1%

Capital Adequacy Ratio N1 (according to CBR)

19,8%

16,7%

14,7%

15,7%

16,1%

13,4%

Capital Adequacy Ratio (according to Basel Capital Accord)

25,1%

23,1%

22,3%

24,6%

24,2%

20,7%

Riconoscimenti

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Debito obbligazionario in valuta

Codici

  • Patrita IVA
    5012003647
  • LEI
    549300LCJJGCU17UZ036
  • SIC
    6029 COMMERCIAL BANKS, NEC
  • ICB
    8.300 Banks
  • IEC
    631501001
  • BIN
    1026300001991 da 28/08/2002
  • OKPO
    11707493
  • BIC
    043601975

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