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Rusfinance Bank (TIN 5012003647, OGRN 1026300001991) — Company card

nazwa firmy Rusfinance Bank
forma prawna Spółka z ograniczoną odpowiedzialnością
kraj Rosja
country of registration Rosja
branża Banks
strona internetowa http://www.rusfinancebank.ru/
IR Web https://www.rusfinancebank.ru/en/partners.html

Company details

  • NIP
    5012003647
  • KPP (dla Rosji)
    631501001
  • OGRN (dla Rosji)
    1026300001991
  • OKPO (dla Rosji)
    11707493
  • OGRN data (dla Rosji)
    28.08.2002
  • pre-LEI / LEI
    549300LCJJGCU17UZ036
  • BIC
    043601975
  • Banking License Number
    1792

Profil

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%

Show full profile info

Ratingi kredytowe emitenta

Agencja ratingowaRatingRating scaleDate
ACRA *** ACRA national rating scale for the Russian Federation ***
Moody's Investors Service *** LT- foreign currency ***
Moody's Investors Service *** LT- local currency ***
S&P Global Ratings *** Foreign Currency LT ***
S&P Global Ratings *** Local Currency LT ***
S&P Global Ratings *** LT National Scale (Russia) ***
Fitch Ratings *** LT Int. Scale (foreign curr.) ***
Fitch Ratings *** National Scale (Russia) ***
Fitch Ratings *** LT Int. Scale (local curr.) ***
Moody's Interfax Rating Agency *** National Scale (Russia) ***
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Kwota emisji w obrocie

Waluta Emisje w obrocie Cumulative volume
RUB 5 21 000 000 000

Debentures

Papier wartościowy Volume, mln Stan
Rusfinance Bank, BO-001P-02 4.000 RUB W obrocie
Rusfinance Bank, BO-001P-01 4.000 RUB W obrocie
Rusfinance Bank, BO-12 5.000 RUB W obrocie
Rusfinance Bank, 12 3.000 RUB W obrocie
Rusfinance Bank, 15 5.000 RUB W obrocie
Rusfinance Bank, BO-06 3.000 RUB Zaplanowana
Rusfinance Bank, BO-13 5.000 RUB Zaplanowana
Rusfinance Bank, BO-05 3.000 RUB Zaplanowana
Rusfinance Bank, BO-04 3.000 RUB Wykupiona przed terminem
Rusfinance Bank, BO-10 4.000 RUB Wykupiona przed terminem
Loans Volume, mln Stan
ROSBANK, Б, 12.2012 230 USD Redeemed
ROSBANK, A, 12.2012 60 USD Redeemed
ROSBANK, 7.2008 270 USD Redeemed
ROSBANK, В, 3.2006 100 USD Redeemed
ROSBANK, А, 3.2006 50 EUR Redeemed
DeltaCredit Bank, В, 12.2005 30 USD Redeemed
DeltaCredit Bank, А, 12.2005 15 USD Redeemed

Main IFRS/US GAAP indicators

Index 1Q 2017 2Q 2017 3Q 2017 4Q 2017
6Total assets (tyś., RUB) *** *** *** ***
19Equity (tyś., RUB) *** *** *** ***
31Loan portfolio (tyś., RUB) *** *** *** ***
9Deposits (tyś., RUB) *** *** *** ***
34Tier I capital adequacy % *** *** *** ***
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Calculated IFRS/US GAAP indicators

Index 1Q 2017 2Q 2017 3Q 2017 4Q 2017
71Assets, YoY (%) *** *** *** ***
72Equity, YoY (%) *** *** *** ***
73Operating expense ratio *** *** *** ***
74Loan-to-deposit ratio *** *** *** ***
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IFRS wskaźniki

rok 1 kw 2 kw 3 kw 4 kw
2018 - -
2017 - 2kw - 4kw
2016 - 2kw - 4kw
×

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Raporty konsalidacyjne MSSF

rok 1 Q 2 Q 3 Q 4 Q
2018
2017
0.84 M нац
2 M нац
2016
1.46 M нац
1.85 M нац
×

Cokwartalne raporty MSSF

rok 1 Q 2 Q 3 Q 4 Q
2018
2.2 M нац
2017
1.63 M нац
1.53 M нац
2.07 M нац
1.19 M нац
2016
1.95 M нац
5.53 M нац
4.41 M нац
1.21 M нац

Raporty MSSF

rok 1 kw 2 kw 3 kw 4 kw
2018
2017
2016
1.92 M нац

Raport roczny

rok w języku narodowym po angielsku
2017
2016
3.72 M нац
2015
1.62 M нац
2014
1.31 M нац
2013
1.38 M нац
2012
0.64 M нац
2011
1.41 M нац
2010
1.51 M нац
2009
6.31 M нац
2008
0.94 M нац
2007
3.12 M нац
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