Analysis of assets and liabilities of pao rosbank. Analysis of the financial condition of PAO ROSBANK. Accession of "Onexim Bank"

Send your good work in the knowledge base is simple. Use the form below

Students, graduate students, young scientists who use the knowledge base in their studies and work will be very grateful to you.

Hosted at http://www.allbest.ru/

INTRODUCTION

1. GENERAL CHARACTERISTICS OF THE BANK

4. STRUCTURE AND DYNAMICS OF INCOME

7. FINANCIAL STATUS ON THE BASIS OF ANALYTICAL COEFFICIENTS

CONCLUSION

BIBLIOGRAPHY

APPS

Introduction

The relevance of the topic of the work lies in the fact that in a modern commercial bank, the analysis of financial and economic activity is an important component of managerial decision-making, since financial activity is predominant in the bank.

Without a competent analysis of financial and economic activities and the identification of factors that affect financial activities, it is impossible to increase the level of profits and profitability. The analysis of the financial and economic activities of the bank is carried out in the context of the analysis of the results of financial and economic activities, the liquidity of the balance sheet and the financial stability of the bank, and based on the results obtained, conclusions are drawn regarding the reliability of the bank as a whole. The purpose of the analysis of the financial and economic activities of the bank is to identify reserves for the growth of the bank's profitability and, on this basis, formulate recommendations for the bank's management on pursuing an appropriate policy in the field of passive and active operations.

The purpose of the work is to analyze the activities commercial bank.

The object of the study is the Volga branch of JSC "Rosbank".

In accordance with the goal, the following tasks were set:

1) analyze the structure, dynamics and quality of assets;

2) to analyze the dynamics of liabilities;

3) to analyze the structure of income;

4) analyze the dynamics of expenses;

5) study the financial results and profitability indicators;

6) analyze financial condition based on analytical coefficients.

The information basis of the work was the reporting of the Privolzhsky branch of JSC "Rosbank" for 2013.

1. GENERAL CHARACTERISTICS OF THE BANK

Rosbank - universal bank as part of the international financial group Societe Generale. The Group's strategy is to improve customer experience and become a leader in innovation, drive growth through business development, strengthen collaboration between divisions and achieve sustainable profitability.

The bank serves more than 3.3 million private clients in 71 regions of Russia. The bank's network includes more than 550 branches and 3,000 ATMs. Rosbank's subsidiaries are Rusfinance Bank (consumer lending) and DeltaCredit Bank (mortgage).

In the area of retail business The bank offers: settlement and cash services, credit cards, consumer lending, financial solutions for the purchase of real estate and cars; savings and investment programs; Money transfers and foreign exchange operations; rent safe deposit boxes; remote service: Internet banking and mobile client-bank; serving wealthy clients.

Key areas of Rosbank's work with corporate clients: transactions in foreign exchange and money markets, debt capital markets; syndicated lending and structured finance; depositary operations; brokerage service; corporate finance; trade finance, leasing, factoring.

Rosbank has investment credit ratings of international rating Fitch agencies Ratings and Moody's Investor Services. Rosbank is one of the most reliable banks according to Forbes magazine (Forbes, 2014). The bank ranks first in Russia in the list of the most expensive brands among financial institutions with foreign capital (Brand Finance together in BrandLab and Banki.ru, 2014).

2. STRUCTURE, DYNAMICS AND ASSET QUALITY

The composition and structure of the bank's balance sheet assets are presented in Table 1.

Table 1 - Composition and structure of the bank's balance sheet assets

Indicators

Cash
In the Central Bank of the Russian Federation


Net debt



Other assets
Total assets

bank asset profitability corporate

The bank's assets in dynamics over two years increased by 557,462 rubles. rub. or 37.9%. Growth was noted for all elements except for financial assets valued at fair value through profit or loss, the value of which decreased by 12,104 rubles. rub. or 39.7%. In the asset structure of the balance sheet, the largest share is accounted for by net loan debt - 82.9% in 2013.

3. STRUCTURE AND DYNAMICS OF LIABILITIES

The composition and structure of the balance sheet liabilities are presented in Table 2.

Table 2 - Composition and structure of the balance sheet liability

Indicators				Growth rate 2013 to 2012, %

Loans, deposits and other funds of the Central Bank of the Russian Federation
Funds of credit organizations
Due to customers other than credit institutions

Other liabilities

Total liabilities
Sources of own funds
Total liabilities

During the analyzed period, the bank's balance sheet liabilities increased by 557,462 rubles. rub. or 37.9%. Growth was noted for all elements. Liabilities accounted for the largest share in the structure of liabilities - 93.2% in 2013, namely, funds of customers who are not credit institutions - 82.7% in 2013. There were no significant changes in the structure of the liabilities of the bank's balance sheet.

4. STRUCTURE AND DYNAMICS OF INCOME

The composition and structure of the bank's income are presented in table 3.

Table 3 - The composition and structure of the bank's income

Indicators				2013 to 2012, %

Interest income
Net income from operations with financial assets at fair value through profit or loss




Fee and commission income
Other operating income
Total income

During the analyzed period, the bank's income increased by 58,636 rubles. rub. and amounted to 262015 rubles in 2013. rub. The bulk of income falls on interest income - 80.1% in 2013. Their size increased by 56,547 rubles. rub.

Let's evaluate the composition and structure of the bank's interest income (Table 4).

Table 4 - Composition and structure of interest income of the bank

Indicators				Growth rate 2013 to 2012, %

Interest income - total
Including
From the placement of funds in credit institutions
From loans to customers other than credit institutions
From investing in securities

In the structure of interest income, the largest share is occupied by interest income from loans granted to customers that are not credit institutions - 88.2% in 2013 (Chart 1).

Figure 1 - Structure of interest income, %

5. STRUCTURE AND DYNAMICS OF EXPENSES

The composition and structure of the bank's expenses, divided into interest and non-interest, are presented in Table 5.

Table 5 - Analysis of the composition and structure of the bank's expenses, divided into interest and non-interest

Indicators				Growth rate 2013 to 2012, %

Interest expenses
Non-interest expenses

The analysis showed that the bank's expenses increased by 77,202 rubles. rub. or 49.5% and amounted to 223,223 thousand rubles in 2013. The largest share - 62.5% in 2013 - falls on non-interest expenses (Fig. 2).

Figure 2 - The structure of the bank's expenses, %

The composition and structure of interest expenses are presented in Table 6.

Table 6 - Composition and structure of interest expenses

Indicators				Growth rate 2013 to 2012, %

Interest expense - total
Including
For borrowed funds from credit institutions
By deposits
For issued debt

During the analyzed period, the bank's interest expenses increased by 42.0% or 25,890 rubles. rub. Growth was noted for all elements of spending.

In the structure of expenses, 87.2% in 2013 accounted for expenses on deposits (Fig. 3).

Figure 3 - The structure of the bank's interest expenses, %

In addition, interest expenses are usually classified as follows:

Accrued and paid interest in rubles:

Accrued and paid interest in foreign currency (Table 7).

Table 7 - Composition and structure of interest expenses based on settlement currency

The data in Table 7 indicate that the majority of interest is paid in rubles - 88.0% in 2013 of the total amount of interest expenses. 12% accounted for the payment of interest in foreign currency (Fig. 4).

Figure 4 - Structure of interest expenses based on settlement currency, %

6. FINANCIAL RESULTS AND PROFITABILITY INDICATORS

It is important to assess the effectiveness of individual banking operations. The calculation was made based on the results of the bank's work in 2013 (Table 8).

Table 8 - Evaluation of the effectiveness of banking operations in 2013

As evidenced by the data in Table 8, all the considered operations bring income to the enterprise. At the same time, loans granted to clients that are not credit institutions are the most efficient (Fig. 5).

Figure 5 - Data on the efficiency of individual bank operations in 2013

Their profitability in 2013 was 58.7%.

Table 9 - Profitability indicators of the bank

Indicators
1. Income, rub. rub.
2. Expenses, rub. rub.
3. Profit before taxation, rub. rub.
4. Unused profit, rub. rub.
5. Return on income,%
6. Profitability of expenses, % For profit before tax (p. 3 / p. 1 * 100%) For unused profit (p. 4 / p. 1 * 100%)

Profitability indicators are high. The negative point is their decline, which was caused by the deterioration of the financial market and increased competition in the banking sector, which caused a decrease in profit indicators (Fig. 6).

Figure 6 - Profitability indicators, %

7. Financial condition based on analytical coefficients

The assessment of the bank's financial condition is assessed by the values of mandatory ratios (Table 10).

Table 10 - Dynamics of bank's mandatory ratios

Indicators	Standard value
Bank's own funds (capital) adequacy ratio (N1)
Bank instant liquidity ratio (N2)
Bank's current liquidity ratio (N3)
Bank's long-term liquidity ratio (N4)
standard maximum size risk per borrower or group of related borrowers (N6)
Maximum size of large credit risks (N7)
Maximum loan amount bank guarantees and guarantees provided by the bank to its participants (shareholders) (Н 9.1)
Total risk ratio for bank insiders (N10.1)

The data in Table 10 indicate that the bank meets the standards, which positively characterizes financial stability and solvency of the Privolzhsky branch of JSC Rosbank.

CONCLUSION

The analysis of the activities of the Privolzhsky branch of JSC "Rosbank" allows us to draw the following conclusions:

1) The bank's assets in dynamics over two years increased by 557,462 rubles. rub. or 37.9%. Growth was noted for all elements except for financial assets at fair value through profit or loss, the value of which decreased by 12,104 rubles. rub. or 39.7%. In the asset structure of the balance sheet, the largest share is accounted for by net loan debt - 82.9% in 2013.

2) Liabilities of the bank's balance sheet increased by 557,462 rubles. rub. or 37.9%. Growth was noted for all elements. Liabilities accounted for the largest share in the structure of liabilities - 93.2% in 2013, namely, funds of customers who are not credit institutions - 82.7% in 2013. There were no significant changes in the structure of the liabilities of the bank's balance sheet.

3) The bank's income increased by 58,636 rubles. rub. and amounted to 262015 rubles in 2013. rub. The bulk of income falls on interest income - 80.1% in 2013. Their size increased by 56,547 rubles. rub.

4) The bank's expenses increased by 77,202 rubles. rub. or 49.5% and amounted to 223,223 thousand rubles in 2013. The largest share - 62.5% in 2013 - falls on non-interest expenses.

5) Profitability indicators are high. The downside is their decline, which was due to the deterioration of the financial market and increased competition in the banking sector, which caused a decrease in profits.

6) The bank complies with the standards, which positively characterizes the financial stability and solvency of the Privolzhsky branch of Rosbank OJSC.

In general, we can give a high assessment to the results of the activities of the Privolzhsky branch of Rosbank OJSC.

Bibliography

1. the federal law"About the Central Bank Russian Federation» No. 86-FZ dated 07/10/2002 (as amended on 11/04/2014) - Access mode: Consultant-plus

2. Federal law "On banks and banking» dated 02.12.1990 No. 395-1 (as amended on 04.10.2014) - Access mode: Consultant Plus

3. Federal law "On credit histories» No. 218-FZ of December 30, 2004 (as amended on June 28, 2014). - Access Mode: Consultant Plus

4. Banking: a textbook for universities [Text] / ed. G. Beloglazova, L. Krolivetskaya, 2nd ed. - M.: Finance and statistics, 2012. - 400 p.

5. Banking: textbook [Text] / ed. IN AND. Kolesnikova, L.P. Krolivetskaya. - M.: Finance and statistics, 2012. - 546 p.

6. Banking: Textbook for university students [Text] / Ed. O.I. Lavrushina.- M.: Finance and statistics, 2012. - 574 p.

7. Banking [Text] / Ed. O.I. Lavrushin. -M.: Banking and exchange scientific - consulting center, 2013. - 431 p.

8. Banking: Reference manual [Text] / Ed. Yu.A. Babicheva. -M.: Economics, 2012.-397p.

9. Banking: Proc. For universities [Text] / Ed. IN AND. Kolesnikova, L.P. Krolevetskaya. - 2nd ed. -M.: Finance and statistics, 2012.- 476 p.

10. Batrakova, L.G. Economic analysis of the activities of a commercial bank: Textbook for universities [Text] / L.G. Batrakova. - M.: Legos, 2013. - 344 p.

11. Activity of commercial banks: textbook [Text] / Kaltyrin A.V., - M.: INFRA, 2012. - 383p.

12. Zhukov E.F. Banks and Bank operations: textbook [Text] / ed. E.F. Zhukova. - St. Petersburg: Peter, 2012. - 234 p.

13. Zharkovskaya, E.P. Banking: textbook [Text] / ed. E.P. Zharkovskaya. - M.: OMEGA-M, 2011. - 399 p.

14. Kosterina, T.M. Banking: textbook [Text] / ed. T.M. Kosterin. - M.: Market - DS, 2012. - 240 p.

15. Lavrushin, O.I. Analysis economic activity bank customers: Tutorial[Text] / O.I. Lavrushin. - M.: INFRA-M, 2011. -80 p.

16. Fundamentals of banking: textbook [Text] / Starodubtseva E.B. - M.: Forum, 2011. - 256 p.

17. Fundamentals of banking: textbook [Text] / ed. O.I. Lavrushin - KnoRus Publishing House, 2011. - 384 p.

18. Panova, G.S. Analysis of the financial condition of a commercial bank / G.S. Panov. - M., 2012

Applications

Attachment 1

Balance sheet of the Privolzhsky branch of Rosbank OJSC for 2013

	Name of articles balance sheet	Data on reporting date	Data as of the corresponding reporting date of the previous year

	Cash
	Due to credit institutions in the Central Bank of the Russian Federation
	Funds in credit institutions
	Financial assets at fair value through profit or loss
	Net debt
	Net investments in securities and other financial assets available for sale
	Net investment in securities held to maturity
	fixed assets, intangible assets and inventories
	Other assets
	Total assets
II. Liabilities
	Loans, deposits and other funds Central Bank Russian Federation
	Funds of credit organizations
	Due to customers (non-credit institutions)
	Financial liabilities at fair value through profit or loss
	Issued debt
	Other liabilities
	Provisions for possible losses on contingent liabilities of a credit nature, other possible losses and transactions with residents of offshore zones
	Total liabilities
III. Sources of own funds
	Funds of shareholders (participants)
	Own shares (shares) redeemed from shareholders (participants)
	Share premium
	reserve fund
	Fair value revaluation of securities available-for-sale
	Revaluation of fixed assets
	Undestributed profits(uncovered losses) of previous years

	Total sources of own funds
IV. Off-balance sheet liabilities
	Irrevocable obligations credit institution
	Guarantees and guarantees issued by a credit institution
	Credit related commitments

Appendix 2

Profit and loss statement of the Privolzhsky branch of Rosbank OJSC for 2013 thousand rubles

Name of articles	Data for reporting period	Data for the corresponding reporting period of the previous year
Interest income, total, including:
From the placement of funds in credit institutions
From loans to customers (non-credit institutions)
From the provision of financial lease (leasing) services
From investing in securities
Interest expenses, total, including:
For borrowed funds from credit institutions
By attracted funds of clients (non-credit institutions)
For issued debt
Net interest income (negative interest margin)
Change in provision for possible losses on loans, loan and equivalent debt, as well as funds placed on correspondent accounts, total, including:
Change in provision for possible losses on accrued interest income
Net interest income (negative interest margin) after provisioning for possible losses
Net income from operations with securities at fair value through profit or loss
Net income from operations with securities available-for-sale
Net income from operations with securities held to maturity
Net income from operations with foreign exchange
Net income from foreign currency revaluation
Income from participation in the capital of other legal entities
Fee and commission income
Commission expenses
Change in provision for possible losses on securities available-for-sale
Change in provision for possible losses on securities held to maturity
Change in provision for other losses
Other operating income
Net income (expenses)
Operating expenses
Profit before tax
Accrued (paid) taxes
Profit (loss) for the reporting period
Payments from profit after tax, total, including:
Distribution among shareholders (participants) in the form of dividends
Deductions for the formation and replenishment of the reserve fund
Unused profit (loss) for the reporting period

Hosted on Allbest.ru

Services

The institution of client managers has been introduced in all branches of the bank. The bank has a well-developed line of work with wealthy private clients.

2016: Projects of 2016

Benefits of Entering a Data Management Process

Saving resources when implementing changes
Visual representation of the impact of changes
Savings on infrastructure when determining data retention rates
Improving Data Confidence
Transparency and openness information systems for users
New opportunities for generating ideas for the effective use of data for business

“For 2017, we have quite serious plans both to continue and complete existing projects, and to take further steps to achieve the bank's target IT architecture. In the near future, a plan for the introduction of new platforms will be detailed, on the basis of which we plan to actively implement new business opportunities, provide the necessary level of flexibility and speed of implementation of new products and services, actively automate and optimize the bank's internal processes, more accurately understand the needs of the client and respond to them. Special focus will be given to data management and analytical tools. In addition, 2017 will be a year of increased attention to quality: we plan to actively develop the Quality assurance process, including taking into account the experience of the Societe Generale group,” said Sotin Denis, member of the board, Rosbank CIO.

2015

IT strategy for 2015-2017

The ROST Innovation Center is open for co-working and creative sessions of any companies and organizations in Nizhny Novgorod, including universities and others educational institutions. The auditoriums and venues of the Center will become effective space for client events, business meetings and negotiations, team-building activities. The new space is intended for traditional lectures, as well as for work in the lunch&learn format.

ROST is technically equipped for videoconferencing, webinars, hackathons, brainstorming sessions. An additional advantage is the mobility of the space: the Center's audiences are freely transformed to the goals and objectives of each event and team.

ROST will also organize training seminars for employees of the Nizhny Novgorod territorial office of Rosbank and interregional conferences for bank employees from all over Russia in order to exchange experience, summarize work and develop internal corporate culture.

The ROST Innovation Center is open at the address: Nizhny Novgorod, st. Rodionova, d. 192/2.

2017: Profit of 10.4 billion rubles.

During 2017, the banking group Societe Generale in Russia Rosbank, DeltaCredit Bank, Rusfinance Bank and their subsidiaries demonstrated development in all areas of business, earning net profit in the amount of 10.4 billion rubles, which is 3.4 times higher than the results of 2016.

In 2017, the Group showed growth in all business areas, actively increasing client base by increasing the volume of loans to corporate and retail clients. The Group's retail loan portfolio grew by 7.4% and corporate loans by 14%.

The Group's net profit for 2017 amounted to +10.4 billion rubles. This is 3.4 times more than in 2016. Net profit growth remained stable throughout 2017 (4th quarter +3.4 billion rubles, 3rd quarter +3.2 billion rubles, 2nd quarter +2.5 billion rubles, 1st quarter +1.3 billion rubles).
The Group's net operating income in 2017 amounted to RUB 53.4 billion, up 8% year-on-year. At the same time, net operating income for the 4th quarter of 2017 was equal to 15.5 billion rubles, which is 18% more than the same indicator for the 3rd quarter of 2017 and 24% more than the same indicator for the 4th quarter of last year.
The Group's net interest income remained stable during 2017 and is comparable to the same period in 2016.
Net fee and commission income in 2017 amounted to 9.5 billion rubles, an increase of 18% compared to 2016. At the same time, growth in the 4th quarter of 2017 amounted to 37% compared to the same indicator for the 4th quarter of 2016. The positive dynamics was mainly due to a significant increase in insurance agency fees (+45%) due to the intensification of retail lending. The activation of digital sales channels led to a significant increase in commission income from services mobile bank and Internet banking (+40%).
The Group's operating expenses in 2017 amounted to 35.6 billion rubles, an increase of 8% compared to the previous year. The dynamics was mainly due to active advertising campaigns, significant business growth (including in subsidiaries), and an increase in deductions for deposit insurance. At the same time, it should be noted that the ratio of operating expenses to operating income of the Group in 2017 and 2016 remained stable (67%).
Transfers to reserves during the 12 months of 2017 amounted to 3.5 billion rubles, having significantly decreased compared to the previous year, when allocations to reserves for the same period amounted to 12.8 billion rubles. The effect of the reduction in reserves was achieved mainly due to the restoration of the quality of the retail portfolio, the improvement of debt collection processes, as well as the absence in 2017 of material expenses for the refinancing of foreign currency mortgages. The quality of the corporate portfolio traditionally remains at high level.

The Group continued to increase its lending in retail lending (an increase of +32% compared to 2016). Traditionally, the most popular consumer loans, the growth of issuances for which amounted to 30% (at the same time, the growth in the whole market was 29%).
The Group also continued to increase its portfolio of borrowed funds individuals, with a focus on current accounts. Thus, in 2017, the portfolio of liabilities of individuals of the Group grew by 20% compared to 2016, including the portfolio of current accounts of individuals increased by 59%, outpacing market growth by 2.5 times.
Loan volume mortgage loans in 2017 grew by 30% compared to 2016 with a record high in the 4th quarter of 2017 (+21.3 billion rubles compared to the 3rd quarter of 2017). This result was made possible largely due to a significant increase in the share of sales through digital channels (the share of such sales reached 25%). The quality of the mortgage portfolio continues to improve significantly. As of December 31, 2017, “90+” arrears in the mortgage portfolio of DeltaCredit Bank amounted to 2.8%, compared to 3.6% in 2016. This improvement in the quality of the mortgage portfolio is associated with participation in state program assistance, the operator of which is the Agency for Housing Mortgage Lending, as well as with campaigns to convert dollar loans into rubles.

2016: Profit - 3.1 billion rub

The banking group Societe Generale in Russia improved its financial result, earning a net profit of 3.1 billion rubles. compared to a loss of 9.2 billion rubles. in 2015.

Key achievements in the retail business

The volume of the Group's retail loans in 2016 increased by 35% compared to 2015, although it still remains below the level of 2014 (-22%). As a result, the Group continues to maintain its leading position in the retail lending market, increasing its market share in issuing loans from 3.4% to 3.6%, while in the segment consumer lending market share increased from 2.2% to 2.6%.

Along with this, the Group maintains its leadership in mortgage and car loans thanks to high performance specialized subsidiary banks DeltaCredit and Rusfinance Bank.

DeltaCredit is in the top 5 in terms of mortgage lending (according to the analytical center Rusipoteka) with a market share of 3.1%. The total volume of mortgage loans issued in 2016 is 44% higher than in 2015, while the quality of the ruble mortgage portfolio is much higher than the market average. As of December 31, 2016, the 90+ delinquency in the ruble mortgage portfolio of DeltaCredit is 1.21%, compared to the market rate of 2.65%.

Rusfinance Bank consistently ranks among the TOP-3 banks in the car lending market with a 13.5% share. The total volume of car loans issued in 2016 is 28% higher than in 2015. The Bank continues to participate in the state program of preferential car loans, within which it ranks second in terms of loans (according to the Ministry of Industry and Trade).

In 2016, Rosbank continued to successfully increase its client base: the number of new clients attracted in 2016 was 33% higher than in 2015, and the portfolio of active clients grew by 1%. This was made possible thanks to innovations in the field of daily banking service, as well as effective synergy with corporate business. Thus, in the 4th quarter of 2016, Rosbank, together with the international payment system Mastercard and O'KEY Group have launched debit card ROSBANK OK Mastercard. Rosbank card Visa Platinum Supercard+ is recognized as the most attractive for customers with an income above the average - about 130 thousand rubles per month, according to RBC.

Key achievements in corporate business

As part of the international group Societe Generale, Rosbank continues to increase its share in the banking services market for the largest Russian and international companies, the volume of loans in 2016 exceeds the figure for 2015 by 29% (excluding currency revaluation).

Societe Generale/Rosbank are leaders in the Russian syndicated lending market with a 23.5% share (according to news agency Bloomberg). Major transactions with major clients during 2016, organized jointly with Societe Generale:

Uralkali's USD 1.2 billion loan agreement, acting as one of the coordinating authorized lead arrangers and bookrunners with 16 international banks;
PhosAgro's debut pre-export financing totaling $250 million with a four-year maturity, acting as one of the coordinating authorized lead arrangers and a passport bank;
a pre-export loan to the EuroChem group in the amount of USD 800 million for a period of five years, as a member of a pool of international banks;
a club deal to finance the prepayment under an oil and petroleum product supply agreement for PJSOC Bashneft for a total amount of USD 500 million for 5 years, acting as the initial authorized lead arranger, bookrunner, coordinating bank and documentation bank;
a syndicated pre-export loan for one of the leading copper producers in Russia, CJSC Russian Copper Company (RMC), as an authorized lead arranger. The loan was provided for a total amount of $300 million for a period of 5 years.

Rosbank is expanding its trade finance business. Thus, according to the results of 2016, Rosbank occupies the 7th position in the market in terms of portfolio volume trade finance showing an increase of 25% over the previous year.

The development of investment services continues. In 2016, Rosbank placed 23 market issues of 16 issuers for a total of RUB 88.4 billion, ranking fifth in the Cbonds rating of leading arrangers of market placements of Russian bonds. The share of Rosbank in market issues amounted to 7.95%. The bank also ranks fifth among corporate issuers with a market share of 5.73% and third among mortgage bond issuers with a market share of 14.55%.

Rosbank Factoring occupies a prominent position in the factoring services market. Based on the results of 2016, the company was ranked 8th in the overall rating published by the Association Factoring Companies Russia, continues to increase its customer portfolio (+56% compared to 2015) and the turnover of the assigned accounts receivable(+42% compared to 2015).

Rosbank Leasing shows high dynamics - the portfolio of transactions increased by 13% in 2016.

Loan portfolio

Banks of the Group aim to cooperate with the most reliable borrowers, carefully assess the solvency of customers in new economic conditions and give priority to the quality of the loan portfolio.

Guided by these principles, during 2015 and the first half of 2016 the Group pursued a policy of significantly more cautious resumption of retail lending than the market as a whole. It was only in the second half of 2016 that retail lending gained momentum, as a result of which the group's retail loan portfolio decreased by 8% since the beginning of 2016 (excluding currency revaluation).

At the same time, the corporate loan portfolio continued to grow, having increased by 2% since the beginning of 2016 (excluding currency revaluation) against the backdrop of negative market dynamics during the year (-3.6%). At the same time, it is necessary to note the change in the structure of the corporate loan portfolio by currencies in the last 12 months: the share of loans in foreign currency decreased by 15%; while the share of corporate loans in rubles increased by 17%. Such changes had a positive impact on the Group's interest margin.

As a result of such mutual dynamics of the retail and corporate portfolios, and despite the dynamic growth in disbursements, the Group's total loan portfolio for 2016 decreased by 4% (excluding currency revaluation).

Deposits and current accounts

During 2016, the Group's customer liability portfolio decreased by 4% (excluding currency revaluation). The driver of the decline was the funds of legal entities, the volume of which was systematically reduced in 2016 by 15% (excluding currency revaluation), compared to the market (-4%). On the one hand, the dynamics is explained by the need to bring the volume of liabilities in line with the dynamics of the loan portfolio, on the other hand, to replace them with cheaper funds from individuals.

The volume of retail funds increased in 2016 by 13% (excluding currency revaluation), which exceeds the figures banking system(+9.2%). Especially noteworthy is the 50% increase in demand funds of individuals (excluding currency revaluation). The market share in this segment increased from 1% to 1.43% during the year, which is fully in line with the Group's goal of developing a transactional business.

Financial results

The Group's net interest income in 2016 amounted to RUB 38.9 billion, up 4% year-on-year. The positive dynamics is mainly due to the improvement in the interest margin as a result of the reduction in the cost of financing due to consistent measures to optimize the balance sheet structure.

Net fee and commission income in 2016 amounted to RUB 8 billion, up 7% compared to 2015. On the one hand, the dynamics of commissions is due to the activation of retail lending and, as a result, the growth of commissions from insurance companies (commission income of the retail business grew by 29%). On the other hand, fee income corporate business grew due to the development of cash settlement services (+16%) and trade finance (+23%).

The Group's operating expenses in 2016 amounted to 32.9 billion rubles, remaining at the level of 2015, despite inflation, which amounted to 5.4% in 2016. The containment of growth became possible as a result of cost optimization measures taken by Rosbank: further reorganization of the retail network, as well as staff cuts by 8.7% compared to 2015.

Allocations to reserves in 2016 amounted to RUB 12.7 billion, down 42% year-on-year. The effect of reducing provisions was achieved mainly due to the restoration of the quality of the retail portfolio, as well as the improvement of debt collection processes. The quality of the corporate portfolio remains at a high level. At the same time, these results include expenses incurred to refinance the foreign currency mortgage portfolio. Based on the results of the work done, we do not expect any further material negative impact of this activity on the results of the Group.

2015: Rosbank entered the top five underwriters of Russian bonds

Information agency ranking of Russian bond underwriters based on the results of 2014. The ranking included 122 participants who became the organizers of placements in the amount of about 1.2 trillion rubles. According to the agency, activity in the domestic market has declined, however, in December 2014, a surge in placements was recorded.

Rosbank entered the top five underwriters of Russian bonds of market placements of bonds (29 issues of 12 issuers for the amount of 76.7 billion rubles), ranked second in the ranking of underwriters of market issues, third in corporate issues, fifth in the segment of municipal placements.

The ranking of bond issue underwriters according to Cbonds includes financial institutions, which during the placement of bonds gave a guarantee for the placement of a certain volume of the issue and have the status of an arranger, co-arranger, underwriter or co-underwriter. The ranking takes into account the actually placed volume of bonds.

2014

Profit growth by 1.5 times to 9.7 billion rubles

Based on monthly reporting Russian standards accounting(RAS) as of December 31, 2014, Rosbank's profit amounted to 9.7 billion rubles, an increase of 1.5 times compared to the results of 2013 (excluding events after the reporting date).

Profit growth was mainly driven by an increase in interest income, a restructuring of bad debts and a positive revaluation of derivatives financial instruments, as well as changes in income tax accounting.

Rosbank's assets increased by 33% year-on-year to RUB 996 billion (RUB 747 billion on December 31, 2013), which was mainly due to the revaluation of foreign currency assets and changes in the fair value of derivative financial instruments.

Dynamics of indicators for the main items of the statement of financial results in 2014 relative to 2013:

bank capital according to standards Basel III amounted to 114.3 billion rubles, an increase of 28% compared to the same period last year. Capital growth was mainly due to a positive financial result under Russian standards for 2014 (before SPML) and an increase in the amount of subordinated loans included in sources of capital, due to the adjustment of the main terms of subordinated loan agreements in line with the requirements of the Bank of Russia currently imposed to these instruments based on the recommendations of Basel III.
the bank's loan portfolio increased by 7% compared to December 2013 and amounted to 486 billion rubles;
the volume of retail loans amounted to 242 billion rubles, an increase of 3% compared to 2013;
the volume of loans issued to corporate clients amounted to 244 billion rubles, an increase of 11% compared to 2013, mainly due to the revaluation of foreign currency loans. At the same time, the level of overdue debt on corporate clients decreased by 13%;
the volume of funds on client accounts reached 449 billion rubles, exceeding the figure for the previous year by 25% (358 billion rubles on December 31, 2013):
the volume of funds of individuals increased by 5%, amounting to 164 billion rubles;
the volume of funds of corporate clients increased by 41%, amounting to 285 billion rubles, mainly due to a significant increase in the deposit portfolio.

H1.1 - 7.6% (the minimum value set by the Bank of Russia is 5%)
H1.2 - 7.6% (the minimum value set by the Bank of Russia is 5.5%)
H1.0 - 13.45% (the minimum value, taking into account the requirements of the Law "On Deposit Insurance" 10%).

On March 6, 2014, at an extraordinary general meeting of shareholders of Rosbank, a decision was made to re-elect the Board of Directors in the amount of twelve people, including Dmitry Olyunin, Chairman of the Board of the Bank. Thus, the structure of the renewed body included:

1. Didier Valet
2. Martin Grant Gilman
3. Arnaud Jacquemin
4. Francoise Mercadal-Delasalle
5. Didier Ogel
6. Pascal Auger
8. Pierre Palmieri
9. Jean-Luc Parer
10. Andrei Vladimirovich Ryzhov
11. Bernardo Sanchez Insera
12. Christian Schrick

On June 25, 2014, the annual general meeting shareholders of JSCB Rosbank. The bank's shareholders approved the annual report, annual accounting (financial) statements, including profit and loss statements for 2013, and also made a decision on profit for last year in full - 4.5 billion rubles to leave at the disposal of the Bank and credited to the account "Retained earnings". It was decided not to pay dividends for 2013.

The meeting approved the audit committee as follows: Akhapkina Natalya Viktorovna, Konishcheva Elena Sergeevna, Mishustina Olga Viktorovna, Pelipenko Mikhail Vladimirovich, Ugolkova Svetlana Nikolaevna.

External auditor of Rosbank for 2014 fiscal year ZAO Deloitte & Touche CIS was approved.

Rosbank shareholders decided to join non-profit organization“The Association of Regional Banks of Russia has introduced a number of convenient services in the Internet Bank and Mobile bank, following a new business development strategy in terms of customer service through remote channels.

Of the new options in the Internet Bank, the most requested by customers was the ability to save the details of regularly performed transactions in the form of templates, as well as a simplified entry into Personal Area using mobile application. In addition, based on the results of customer satisfaction surveys, usability and navigation in user interfaces have been significantly improved.

The number of companies to which Internet Bank users can transfer payments (housing and communal services agents, Internet providers, mobile operators, etc.) has more than doubled and currently stands at over 1,200 companies. Most payments can be made by bank customers without commission or on special conditions.

The “Deposit-online” option has also become available to customers, thanks to which they can open deposits on their own without visiting a bank branch. The premium on the rate is 0.3 percentage points. when opening a deposit in rubles.

Rosbank continues to improve the quality standards of remote services and in 2015 plans to provide customers with a wide range of modern services in the Internet Bank. These are auto payments for mobile communication services, informing about debts and the possibility of paying state taxes and fees, convenient online connection to the Internet Bank in any of the remote channels. In addition, customers will be able to confirm transactions via SMS messages sent to their mobile phones.

For owners of smartphones and tablets, a mobile banking project is actively developing, which will result in the launch in 2015 of a qualitatively new and modern banking application for iOS and Android users - ROSBANK Online, with a modern design and intuitive navigation, as well as payment functionality and geolocation open to any user. and communication services. Rosbank customers will be able to pay for services, make intrabank and interbank transfers at attractive rates, open deposits with increased rate, view account balances, etc.

The open part of the application will allow you to easily find a branch or ATM, get information about exchange rates, as well as about special promotions and discounts from partners of Rosbank.

2013: Societe Generale redeems a share of VTB

In December 2013, there were changes in the composition of the shareholders of Rosbank: the main shareholder of the bank, the Societe Generale group

2006: Societe Generale entered the capital of Rosbank

June 2006 - French banking group Societe Generale entered the capital of Rosbank

2005: Accession of six banks of OVK

July, 2005 - Successful completion of the business consolidation of Rosbank and six UWC banks (First OVK, Central OVK, Povolzhsky OVK, Privolzhsky OVK, Sibirsky OVK, Far East OVK). Universal commercial bank under the single brand "Rosbank" since that time has one of the largest private regional networks in the country and is one of the leaders Russian market retail banking services.

2002: Consolidation with bank IFC

December, 2002 - Consolidation of business between Rosbank and IFC Bank strengthened Rosbank's human resources and technologies for the development of the investment direction.

2000: Accession of Oneksim of bank

September, 2000 - Shareholders of Rosbank approved the decision to take over ONEXIM Bank. The strategic direction of development was work with corporate clients.

1998: Renaming to Rosbank

September, 1998 - CB `Independence` was renamed by shareholders (Interros company) into JSCB Rosbank (OJSC). General license №2272

One of the most important conditions for successful financial management the enterprise is to analyze its financial condition. The financial condition of the enterprise is characterized by a set of indicators that reflect the process of formation and use of its financial resources and actually reflects the final results of its activities.

An analysis of the financial condition of an enterprise allows us to study the state of capital in the process of its circulation, to identify the ability of an enterprise for sustainable functioning and development in changing conditions of the external and internal environment.

A well-conducted analysis will provide an opportunity to identify and eliminate shortcomings in financial activities and find reserves to improve the financial condition of the enterprise and its solvency; Predict financial results based on actual business conditions and the availability of own and borrowed funds.

OJSC Rosbank is the largest Russian bank, among which it ranks 14th in net assets.

As of April 1, 2017, ROSBANK's net assets amounted to RUB 782.91 million. During the year, assets decreased by -5.95%. decline net assets had a positive impact on the return on assets: over the year, the return on net assets increased from 0.84% to 1.40%.

The bank mainly attracts client money for the services rendered, and these funds are quite diversified (between legal entities and individuals), but they mainly invest in loans.

PJSC Rosbank is on the Lombard List, and the Bank of Russia accepts bonds of the credit institution in question as collateral.

Has the right to work with the Pension Fund of the Russian Federation and can attract its funds in trust management, in deposits and savings for housing military personnel.

Has the right to work with non-state pension funds implementing the mandatory pension insurance, and can attract pension savings and savings for housing for military personnel.

Has the right to open accounts and deposits in accordance with the law 213-FZ of July 21, 2014, i.e. organizations of strategic importance for the military-industrial complex and security of the Russian Federation; authorized representatives of the Bank of Russia were appointed to the credit institution.

The bank's liquid assets are those bank funds that can be quickly turned into cash in order to return them to depositor customers.

To assess liquidity, consider a period of approximately 30 days during which the bank will be able (or not able) to fulfill part of its obligations. financial obligations. This "part" is called the "proposed outflow".

Let us briefly present the structure of highly liquid assets in the form of Table 4.

Table 4 Structure of highly liquid assets of Rosbank PJSC

Name of indicator				Abs., million rubles

cash on hand
funds on accounts with the Bank of Russia
NOSTRO correspondent accounts in banks (net)
interbank loans placed for up to 30 days
highly liquid securities of the Russian Federation
highly liquid securities of banks and states
highly liquid assets subject to discounts and adjustments

The amount of funds on accounts with the Bank of Russia increased by 1,003 million rubles. or by 798.75%. The amount of NOSTRO correspondent accounts in banks for the analyzed period showed a decrease by 12,082 million rubles. and amounted to 54.97%. The volume of interbank loans placed for up to 30 days in 2016 amounted to 57,185 million rubles. or 52.87%.

The amount of highly liquid securities of the Russian Federation increased by 796 million rubles. or by 113.41%. The amount of highly liquid securities of banks and governments in 2016 amounted to 1842 million rubles, for the analyzed period increased by 796 million rubles. and amounted to 176.10%. The amount of highly liquid assets, taking into account discounts and adjustments, decreased by 15,026 million rubles. and amounted to 87.80%.

The structure of current liabilities is shown in table 5.

Table 5 Structure of current liabilities of Rosbank PJSC

Name of indicator				Abs., million rubles

deposits of individuals with a term of more than a year
other deposits of individuals (including individual entrepreneurs) (up to 1 year)
deposits and other funds of legal entities (up to 1 year)
correspondent accounts of LORO banks
interbank loans received for up to 30 days
own securities
obligations to pay interest, arrears, accounts payable and other debts
expected churn Money
current liabilities

The table shows that the amount of deposits of individuals with a period of more than a year increased by 3888 million rubles. and amounted to 104.98%.

The amount of other deposits of individuals (including individual entrepreneurs) (for a period of up to 1 year) increased by 35,871 million rubles over the analyzed period. or by 139.05%. The amount of deposits and other funds of legal entities (for up to 1 year) decreased over the analyzed period by 33,124 million rubles, and amounted to 83.84%. The amount of correspondent accounts of LORO banks showed a decrease by 7493 million rubles. and amounted to 78.80%. The amount of interbank loans received for up to 30 days is also in a negative position and amounts to 65.86%. The amount of own securities decreased by 1665 million rubles. and amounted to 21.61%. The amount of obligations to pay interest increased over the analyzed period by 1,359 million rubles. and amounted to 109.22%. The expected cash outflow decreased by 25,107 million rubles. or 85.14%. The amount of current liabilities decreased by 9004 million rubles and amounted to 97.99% for the analyzed period.

The structure of earning assets at the current moment and a year ago is reflected in tab. 6.

Table 6 Structure of earning assets of Rosbank PJSC

Name of indicator				Abs., million rubles

Interbank loans
Corporate loans
Loans to individuals

Investments in leasing operations and acquired rights of claim
Investments in securities
Other income-generating loans
Income assets

The table shows that interbank loans increased by 36,943 million rubles. and amounted to 142.65%. Loans legal entities for the analyzed period amounted to 101.73%, showing an increase of 4117 million rubles. Loans to individuals decreased by 99,690 million rubles. and amounted to 58.78%. Promissory notes decreased by 597 million rubles. and amounted to 92.74%. Investments in leasing operations and acquired rights of claim in 2016 amounted to 7526 million rubles, for the analyzed period they increased by 269.07%. Investments in securities increased by 15,399 million rubles. and amounted to 111.53%. Other profitable loans amounted to 4009 million rubles. or 0.56%, for the analyzed period increased by 65 million rubles. or 101.65%. Earning assets decreased over the analyzed period by 142,596 million rubles. or 83.28%.

Analytics on the degree of security of loans issued, as well as their structure is presented in tab. 7.

Table 7 Analytics on the degree of provision of issued PAO loans"Rosbank"

Name of indicator				Abs., million rubles

Securities accepted as collateral for issued loans
Property accepted as security
Loan portfolio amount

An analysis of the table suggests that the bank focuses on diversified lending, which is secured by property collateral. The overall level of loan collateral is quite high and possible loan defaults are likely to be offset by the amount of collateral.

The table shows that the securities accepted as collateral for loans issued decreased over the analyzed period by 20,553 million rubles. and amounted to 82.64%. Property accepted as collateral increased by 656,759 million rubles. or by 345.20%. The amount of the loan portfolio in 2016 amounted to 620143 million rubles, the share of which was 121.64%. During the analyzed period, there was a decrease by 31618 million rubles. or 95.15%.

A brief structure of interest-bearing liabilities (i.e. for which the bank usually pays interest to the client) (tab. 8).

Table 8 Structure of interest liabilities of PJSC Rosbank

Name of indicator

Funds of banks (interbank credit and correspondent accounts)
Legal funds persons
Incl. current funds of legal entities. persons
Physical contributions. persons
Other interest-bearing liabilities
Incl. loans from the Bank of Russia
Interest liabilities

The table shows that the amounts of deposits of individuals have slightly changed, the amounts of funds of banks (interbank loans and correspondent accounts), funds of legal entities have decreased, and the total amount of interest-bearing liabilities has decreased by 15.0% from 731.90 to 622.11 million rubles.

Profitability of sources of own funds (calculated according to balance sheet data) increased over the year from 1.71% to 2.35%. At the same time, the return on equity ROE (calculated according to Forms 102 and 134) increased over the year from 5.78% to 9.44% (here and below, the data are given in percent per annum for the nearest quarterly date).

The net interest margin changed slightly over the year from 2.85% to 2.95%. The yield on lending operations changed slightly over the year from 10.61% to 10.54%. The cost of borrowed funds decreased over the year from 5.80% to 5.39%. The cost of borrowed funds from banks decreased over the year from 7.07% to 6.60%. The cost of household funds (individuals) decreased over the year from 5.78% to 4.89%

We present the structure of own funds in the form of table 9.

Table 9 Structure of own funds

Name of indicator

Authorized capital
Extra capital
Retained earnings of previous years (uncovered losses of previous years)
Unused profit (loss) for the reporting period
reserve fund
Sources of own funds

Over the year, sources of own funds increased by 5.1%. But over the past month (December 2016), sources of own funds increased by 2.7%.

A brief capital structure is shown in table 10.

Table 10 Brief capital structure

The size of the bank's capital, as of the reporting date, amounted to 119.23 million rubles.

Consider indicators credit risk and their changes during the past year (tab. 11).

Table 11 Credit risk indicators of PJSC Rosbank in 2016

The share of overdue loans during the year tends to practically not change, but over the last six months it tends to decrease.

The share of provisions for loan losses during the year and the last half of the year tends to decrease.

The amount of the standard for the size of large credit risks H7 (max. 800%) tends to increase during the year, however, over the last six months it tends to practically not change.

The level of non-performing loans as of the latest date is in line with the average for Russian banks(about 3-4%).

The level of provisioning as of the last date under consideration is in line with the average for Russian banks (about 10-11%).

At the moment, the conditional FOR averaging coefficient equal to 0.46 means that the credit institution averages FOR with a high probability and belongs to the 1st, 2nd or 3rd reliability group.

Now let's check some indirect factors that point to possible problems and reliability (tab. 12).

Table 12 Indirect factors indicating possible problems and reliability of Rosbank PJSC in 2016

Name of indicator
Change of bank owners per month (%)
Change in the authorized capital for the month
Growth of FOR (mandatory reserve fund on deposits) for the month (%)
Change in the amount of deposits of physical. persons per month (for banks with a share of deposits of individuals over 20%)
Change in cash turnover for the month (for banks with turnover over 500 million rubles) (%)
Change in turnover on settlement accounts of legal entities. persons per month (for banks with turnovers exceeding the amount of assets)

Analysis of financial activity and statistical data for the past year of a credit institution Public joint-stock company Rosbank indicates that there are no negative trends that could affect the financial stability of the bank in the future.

The benchmark of banking in a market economy is to maximize profits from operations while minimizing losses. The profit or loss received by the bank is an indicator that concentrates the results of various passive and active operations of the bank and reflects the influence of all factors affecting the bank's activities. The methodology for analyzing the effectiveness of banking activity begins with an analysis of income and expenses and ends with a study of profit. Purpose of analysis financial results- identification of reserves for growth in the profitability of banking activities and the formation on this basis of recommendations for further work.

At the same time, the bank's strategy should be based on the following principles (Fig. 6)

Fig.6 Bank strategy and principles

An analysis of the financial condition of an enterprise makes it possible to study the state of capital in the process of its circulation, to identify the ability of an enterprise for sustainable functioning and development in changing conditions of the external and internal environment.

The analysis of the financial condition is carried out not only by the managers and relevant departments of the enterprise, but also by its founders, investors - in order to study the efficiency of the use of resources, banks - to assess credit conditions and determine the degree of risk, suppliers - for timely receipt of payments, tax inspections- to identify a plan for the receipt of funds in the budget.

An analysis of banking activity in terms of its profitability allows management to form a credit and interest rate policy, identify less profitable operations and develop recommendations for the possible receipt of large incomes by the bank. The solution of these problems is impossible without competent financial and economic analyzes, as well as financial management, that is, a system of rational and efficient use of capital, a mechanism for managing the movement of financial resources. The ultimate goal of such management is to make a profit.

From the standpoint of profit, the bank's assets can be divided into assets that generate income, and those that do not generate income, or that bring it in a limited amount. As of January 1, 2013, income-generating assets accounted for 62% of all assets. Such assets include: loans to legal entities and loans to the population; investments in securities; placed interbank loans; placement of foreign currency in deposits.

The composition and income structure of PJSC ROSBANK are presented in Table 3.

Table 3

Composition and income structure of PJSC ROSBANK for the period 2011-2013 in thousand rubles

Index	2011	Oud. the weight, %	2012	Oud. the weight, %	Growth total	2013	Oud. the weight, %	Growth total
Total interest income	66 569	25,22	65 475	24,66			21,29	202 218
Total non-interest income	39 548	14,98	40 031	15,08	79 579		13,73	124 811
Total operating income	106 117	40,22		39,74			35,02	327 029
Total income from non-operating activities		0,13		0,15			0,09	1 061
Total other income	51 342	19,45	54 052	20,37		98 425	29,87	203 819
Total income		100,0		100,0			100,0

Anya, you need here the Chart instead of the Table and change the year to 2012-14

To analyze the received commercial bank profit it is necessary to analyze the income and expenses of the bank.

According to the profit and loss statement, the balance sheet of PJSC ROSBANK for the analyzed period (from 01/01/11 to 01/01/13), its income was combined by economic homogeneity into the following groups:

From operating activities, which include accrued and received interest, including interest on loans in foreign currency, and income from operations with securities;

From non-operating activities, including paid services, exchange differences;

Other income, with the inclusion in their composition of fines received, penalties.

Income from each type of activity is shown both as a cumulative total and by period, which makes it possible to compare the total increase in income with the absolute value of income received at the end of each six months. Such a breakdown of income values is convenient, since it allows us to assess the rhythm of the increase in the growth rate of the bank's income for the analyzed period.

As Table 3 shows, the absolute size total income bank, received for every six months of the analyzed period, had a steady upward trend. The highest value of income received was received for the period from 01/01/12 to 01/01/13 (329,548 thousand rubles), and in the same period, the share of income from operating activities in total amount total income had the lowest value in comparison with other analyzed periods. The smallest total income was received for the period 01/01/10 - 01/01/11 (263,927 thousand rubles). The structure of total income is not homogeneous in terms of sources of income different kind income. Income from operating activities showed a downward trend, including both interest and non-interest income. There was a steady increase in income: on loans to customers, as part of interest expenses; income received from operations with securities; commission income. The rest of the income groups were approximately at the same level. The main source of income of the analyzed bank is operating activity, which includes all operations performed by the bank in the market. In the structure of income for the analyzed period, the share of income on loans granted to customers increased, which indicates the presence in the bank credit policy aimed at expanding lending to its customers. There was a decrease in general composition income, income received from core activities and an increase in other income, which indicates a decrease in the volume of active operations.

The assessment of the dynamics and volumes of expenses of PJSC ROSBANK was carried out according to the same principle as the analysis of total income.

The composition and structure of expenses of PJSC ROSBANK are presented in Table 4.

Table 4

Composition and structure of expenses of PJSC ROSBANK for the period 2011-2013 in thousand rubles

	2011	Specific weight, %	2012	Specific weight, %	Accumulated total	2013	Specific weight, %	Accum. total
Total interest expenses		16,04		13,48	67 816		14,35	112 793
Total non-interest expenses		19,05		21,90	93 924		20,63	158 586
Total operating expenses		35,08		35,38			34,98	271 379
Total expenses from functional activities		25,85		26,32	119 741		21,17	186 095
Total other expenses	9 222	3,98	6 641	2,92	15 863		8,87	43 680
Total expenses		100,0		100,0			100,0

Also a Chart instead of a table and a year

The grouping of summary items of the bank's balance sheet is carried out according to the following scheme. Allocated operating expenses, including:

1) interest expenses on loans and deposits, deposits;

2) expenses on operations with foreign currency;

3) expenses for ensuring the functional activities of the bank with the inclusion in their composition of expenses for the maintenance of the administrative and managerial staff, business expenses;

4) other expenses.

As follows from Table 4, the expenses of PJSC ROSBANK changed unevenly. A significant increase in total expenses occurred in the period from 01.01.12 - 01.01.13, which corresponds to a similar jump in the direction of an increase in the amount of total income in the same period. The expenses of PJSC ROSBANK changed unevenly. A significant increase in total expenses occurred in the period from 01.01.12 - 01.01.13, which corresponds to a similar jump in the direction of an increase in the amount of total income in the same period.

Comparison of reported banking costs based on this distribution reveals changes in the volume and specific gravity individual analytical articles and grouped blocks of bank costs.

Based on the analysis of income and expenses of PJSC ROSBANK, it can be concluded that during the analyzed period it received a profit that has an unstable upward trend.

Analysis of assets and liabilities of pao rosbank. Analysis of the financial condition of PAO ROSBANK. Accession of "Onexim Bank"

Send your good work in the knowledge base is simple. Use the form below

Introduction

1. GENERAL CHARACTERISTICS OF THE BANK

2. STRUCTURE, DYNAMICS AND ASSET QUALITY

3. STRUCTURE AND DYNAMICS OF LIABILITIES

4. STRUCTURE AND DYNAMICS OF INCOME

5. STRUCTURE AND DYNAMICS OF EXPENSES

6. FINANCIAL RESULTS AND PROFITABILITY INDICATORS

7. Financial condition based on analytical coefficients

CONCLUSION

Bibliography

Applications

Similar Documents

Services

2016: Projects of 2016

2015

IT strategy for 2015-2017

2017: Profit of 10.4 billion rubles.

2016: Profit - 3.1 billion rub

2015: Rosbank entered the top five underwriters of Russian bonds

2014

Profit growth by 1.5 times to 9.7 billion rubles

2013: Societe Generale redeems a share of VTB

2006: Societe Generale entered the capital of Rosbank

2005: Accession of six banks of OVK

2002: Consolidation with bank IFC

2000: Accession of Oneksim of bank

1998: Renaming to Rosbank

Similar posts