By Helgi Library - September 10, 2018
B&N Bank made a net profit of RUB -8.85 bil under revenues of RUB 40.5 bil in 2017, up -388% and 77.7% respectively compared to t...
By Helgi Library - September 10, 2018
B&N Bank made a net profit of RUB -8.85 bil under revenues of RUB 40.5 bil in 2017, up -388% and 77.7% respectively compared to t...
By Helgi Library - September 10, 2018
B&N Bank's non-performing loans reached 11.0% of total loans at the end of 2017, up from 7.89% compared to the previous year....
| Profit Statement | 2015 | 2016 | 2017 | |
| Net Interest Income | RUB bil | 17.8 | 13.1 | 29.3 |
| Net Fee Income | RUB bil | 3.95 | 5.28 | 12.1 |
| Other Income | RUB bil | 53.1 | 4.39 | -0.964 |
| Total Revenues | RUB bil | 74.8 | 22.8 | 40.5 |
| Staff Cost | RUB bil | ... | 6.41 | 13.9 |
| Operating Profit | RUB bil | 54.7 | 9.15 | 11.1 |
| Provisions | RUB bil | 54.4 | 1.75 | 51.8 |
| Net Profit | RUB bil | 0.069 | 3.07 | -8.85 |
| Balance Sheet | 2015 | 2016 | 2017 | |
| Interbank Loans | RUB bil | ... | 588 | 784 |
| Customer Loans | RUB bil | 218 | 273 | 121 |
| Total Assets | RUB bil | 818 | 1,103 | 1,091 |
| Shareholders' Equity | RUB bil | 57.0 | 81.8 | 72.4 |
| Interbank Borrowing | RUB bil | ... | 125 | 292 |
| Customer Deposits | RUB bil | 488 | 742 | 586 |
| Issued Debt Securities | RUB bil | ... | 131 | 123 |
| Ratios | 2015 | 2016 | 2017 | |
| ROE | % | 0.157 | 4.42 | -11.5 |
| ROA | % | 0.011 | 0.320 | -0.807 |
| Costs (As % Of Assets) | % | 3.24 | 1.42 | 2.68 |
| Costs (As % Of Income) | % | 26.9 | 59.9 | 72.5 |
| Capital Adequacy Ratio | % | 10.4 | 14.5 | 10.8 |
| Net Interest Margin | % | 2.87 | 1.37 | 2.67 |
| Loans (As % Of Deposits) | % | 44.7 | 36.7 | 20.7 |
| NPLs (As % Of Loans) | % | 4.40 | 7.89 | 11.0 |
| Provisions (As % Of NPLs) | % | 118 | 206 | 384 |
| Growth Rates | 2015 | 2016 | 2017 | |
| Total Revenue Growth | % | 160 | -69.5 | 77.7 |
| Operating Cost Growth | % | 58.7 | -32.2 | 115 |
| Operating Profit Growth | % | 240 | -83.3 | 21.8 |
| Net Profit Growth | % | -98.5 | 4,351 | -388 |
| Customer Loan Growth | % | 1.83 | 25.0 | -55.5 |
| Total Asset Growth | % | 92.5 | 34.9 | -1.06 |
| Customer Deposit Growth | % | 84.9 | 52.2 | -21.0 |
| Shareholders' Equity Growth | % | 85.7 | 43.4 | -11.5 |
| Employees | ... | 12,131 | 11,570 | |
Get all company financials in excel:
| summary | Unit | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
| income statement | |||||||
| Net Interest Income | RUB bil | 4.28 | 6.06 | 12.2 | 17.8 | ||
| Total Revenues | RUB bil | 8.11 | 12.1 | 28.8 | 74.8 | ||
| Operating Profit | RUB bil | 0.940 | 1.57 | 16.1 | 54.7 | ||
| Net Profit | RUB bil | 0.752 | 0.754 | 4.64 | 0.069 | ||
| balance sheet | |||||||
| Interbank Loans | RUB bil | ... | ... | ... | ... | ||
| Customer Loans | RUB bil | 85.6 | 136 | 214 | 218 | ||
| Debt Securities | RUB bil | 18.0 | 12.7 | 45.6 | 102 | ||
| Total Assets | RUB bil | 169 | 217 | 425 | 818 | ||
| Shareholders' Equity | RUB bil | 12.5 | 18.2 | 30.7 | 57.0 | ||
| Interbank Borrowing | RUB bil | ... | ... | ... | ... | ||
| Customer Deposits | RUB bil | 136 | 172 | 264 | 488 | ||
| Issued Debt Securities | RUB bil | ... | ... | ... | ... | ||
| ratios | |||||||
| ROE | % | 6.03 | 4.91 | 18.9 | 0.157 | ||
| ROA | % | 0.445 | 0.390 | 1.44 | 0.011 | ||
| Costs (As % Of Assets) | % | 4.24 | 5.43 | 3.95 | 3.24 | ||
| Costs (As % Of Income) | % | 88.4 | 87.0 | 44.1 | 26.9 | ||
| Capital Adequacy Ratio | % | 11.5 | 12.1 | 10.9 | 10.4 | ||
| Net Interest Margin | % | 2.53 | 3.13 | 3.79 | 2.87 | ||
| Interest Income (As % Of Revenues) | % | 52.9 | 50.2 | 42.4 | 23.8 | ||
| Fee Income (As % Of Revenues) | % | 16.1 | 15.6 | 9.59 | 5.28 | ||
| Staff Cost (As % Of Total Cost) | % | ... | ... | ... | ... | ||
| Equity (As % Of Assets) | % | 7.37 | 8.38 | 7.23 | 6.98 | ||
| Loans (As % Of Deposits) | % | 62.7 | 79.2 | 81.2 | 44.7 | ||
| Loans (As % Assets) | % | 50.6 | 62.7 | 50.4 | 26.7 | ||
| NPLs (As % Of Loans) | % | 3.30 | 3.60 | 3.80 | 4.40 | ||
| Provisions (As % Of NPLs) | % | 114 | 82.5 | 113 | 118 | ||
| valuation | |||||||
| Book Value Per Share Growth | % | ... | 41.4 | 101 | 46.2 |
| income statement | Unit | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
| income statement | |||||||
| Interest Income | RUB bil | ... | ... | ... | ... | ||
| Interest Cost | RUB bil | ... | ... | ... | ... | ||
| Net Interest Income | RUB bil | 4.28 | 6.06 | 12.2 | 17.8 | ||
| Net Fee Income | RUB bil | 1.30 | 1.89 | 2.76 | 3.95 | ||
| Other Income | RUB bil | 2.52 | 4.12 | 13.8 | 53.1 | ||
| Total Revenues | RUB bil | 8.11 | 12.1 | 28.8 | 74.8 | ||
| Staff Cost | RUB bil | ... | ... | ... | ... | ||
| Depreciation | RUB bil | ... | ... | ... | ... | ||
| Other Cost | RUB bil | ... | ... | ... | ... | ||
| Operating Cost | RUB bil | 7.16 | 10.5 | 12.7 | 20.1 | ||
| Operating Profit | RUB bil | 0.940 | 1.57 | 16.1 | 54.7 | ||
| Provisions | RUB bil | -0.005 | 0.775 | 10.1 | 54.4 | ||
| Extra and Other Cost | RUB bil | 0 | 0 | 0 | < -0.001 | ||
| Pre-Tax Profit | RUB bil | 0.945 | 0.793 | 6.00 | 0.297 | ||
| Tax | RUB bil | 0.193 | 0.039 | 1.37 | 0.228 | ||
| Minorities | RUB bil | 0 | 0 | 0 | 0 | ||
| Net Profit | RUB bil | 0.752 | 0.754 | 4.64 | 0.069 | ||
| growth rates | |||||||
| Net Interest Income Growth | % | ... | 41.4 | 101 | 46.2 | ||
| Net Fee Income Growth | % | ... | 45.0 | 46.0 | 43.2 | ||
| Total Revenue Growth | % | ... | 48.9 | 138 | 160 | ||
| Operating Cost Growth | % | ... | 46.5 | 20.8 | 58.7 | ||
| Operating Profit Growth | % | ... | 66.8 | 925 | 240 | ||
| Pre-Tax Profit Growth | % | ... | -16.1 | 657 | -95.1 | ||
| Net Profit Growth | % | ... | 0.266 | 515 | -98.5 | ||
| market share | |||||||
| Market Share in Revenues | % | 0.204 | 0.266 | 0.478 | 1.12 | ||
| Market Share in Net Profit | % | 0.095 | 0.104 | 0.953 | 0.081 | ... | |
| Market Share in Branches | % | ... | ... | ... | ... | ... |
| balance sheet | Unit | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
| balance sheet | |||||||
| Cash | RUB bil | ... | ... | ... | ... | ||
| Interbank Loans | RUB bil | ... | ... | ... | ... | ||
| Customer Loans | RUB bil | 85.6 | 136 | 214 | 218 | ||
| Retail Loans | RUB bil | 9.18 | 17.7 | 43.0 | 46.8 | ||
| Mortgage Loans | RUB bil | ... | ... | ... | ... | ||
| Consumer Loans | RUB bil | ... | ... | ... | ... | ||
| Corporate Loans | RUB bil | 76.4 | 119 | 171 | 171 | ||
| Debt Securities | RUB bil | 18.0 | 12.7 | 45.6 | 102 | ||
| Fixed Assets | RUB bil | ... | ... | ... | ... | ||
| Total Assets | RUB bil | 169 | 217 | 425 | 818 | ||
| Shareholders' Equity | RUB bil | 12.5 | 18.2 | 30.7 | 57.0 | ||
| Of Which Minority Interest | RUB bil | ... | ... | ... | ... | ||
| Liabilities | RUB bil | 157 | 199 | 394 | 761 | ||
| Interbank Borrowing | RUB bil | ... | ... | ... | ... | ||
| Customer Deposits | RUB bil | 136 | 172 | 264 | 488 | ||
| Retail Deposits | RUB bil | 85.5 | 106 | 209 | 397 | ||
| Corporate Deposits | RUB bil | 51.0 | 66.0 | 54.5 | 91.2 | ||
| Issued Debt Securities | RUB bil | ... | ... | ... | ... | ||
| Other Liabilities | RUB bil | ... | ... | ... | ... | ||
| asset quality | |||||||
| Non-Performing Loans | RUB bil | 2.94 | 5.06 | 8.50 | 10.1 | ||
| Gross Loans | RUB bil | 88.9 | 140 | 224 | 230 | ||
| Total Provisions | RUB bil | 3.33 | 4.17 | 9.60 | 11.9 | ||
| growth rates | |||||||
| Customer Loan Growth | % | ... | 59.2 | 57.2 | 1.83 | ||
| Retail Loan Growth | % | ... | 92.4 | 144 | 8.85 | ||
| Mortgage Loan Growth | % | ... | ... | ... | ... | ... | |
| Consumer Loan Growth | % | ... | ... | ... | ... | ... | |
| Corporate Loan Growth | % | ... | 55.2 | 44.3 | 0.071 | ||
| Total Asset Growth | % | ... | 28.5 | 95.4 | 92.5 | ||
| Shareholders' Equity Growth | % | ... | 46.1 | 68.6 | 85.7 | ||
| Customer Deposit Growth | % | ... | 26.1 | 53.4 | 84.9 | ||
| Retail Deposit Growth | % | ... | 24.0 | 97.5 | 89.5 | ||
| Corporate Deposit Growth | % | ... | 29.5 | -17.4 | 67.2 | ||
| market share | |||||||
| Market Share in Customer Loans | % | 0.286 | 0.383 | 0.471 | 0.444 | ||
| Market Share in Corporate Loans | % | 0.411 | 0.561 | 0.625 | 0.563 | ||
| Market Share in Retail Loans | % | ... | ... | ... | ... | ||
| Market Share in Consumer Loans | % | 0.119 | 0.177 | 0.380 | 0.438 | ||
| Market Share in Mortgage Loans | % | ... | ... | ... | ... | ||
| Market Share in Total Assets | % | 0.363 | 0.401 | 0.582 | 1.06 | ||
| Market Share in Customer Deposits | % | 0.664 | 0.722 | 0.840 | 1.30 | ||
| Market Share in Retail Deposits | % | 0.600 | 0.625 | 1.13 | 1.71 | ||
| Market Share in Corporate Deposits | % | 0.530 | 0.609 | 0.321 | 0.479 |
| ratios | Unit | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
| ratios | |||||||
| ROE | % | 6.03 | 4.91 | 18.9 | 0.157 | ||
| ROA | % | 0.445 | 0.390 | 1.44 | 0.011 | ||
| Costs (As % Of Assets) | % | 4.24 | 5.43 | 3.95 | 3.24 | ||
| Costs (As % Of Income) | % | 88.4 | 87.0 | 44.1 | 26.9 | ||
| Capital Adequacy Ratio | % | 11.5 | 12.1 | 10.9 | 10.4 | ||
| Tier 1 Ratio | % | 7.70 | 8.50 | 7.50 | 9.00 | ||
| Net Interest Margin | % | 2.53 | 3.13 | 3.79 | 2.87 | ||
| Interest Spread | % | ... | ... | ... | ... | ||
| Asset Yield | % | ... | 3.13 | 3.79 | 2.87 | ||
| Cost Of Liabilities | % | ... | ... | ... | ... | ||
| Interest Income (As % Of Revenues) | % | 52.9 | 50.2 | 42.4 | 23.8 | ||
| Fee Income (As % Of Revenues) | % | 16.1 | 15.6 | 9.59 | 5.28 | ||
| Other Income (As % Of Revenues) | % | 31.1 | 34.1 | 48.1 | 70.9 | ||
| Cost Per Employee | USD per month | ... | ... | ... | ... | ||
| Cost Per Employee (Local Currency) | RUB per month | ... | ... | ... | ... | ||
| Staff Cost (As % Of Total Cost) | % | ... | ... | ... | ... | ||
| Equity (As % Of Assets) | % | 7.37 | 8.38 | 7.23 | 6.98 | ||
| Loans (As % Of Deposits) | % | 62.7 | 79.2 | 81.2 | 44.7 | ||
| Loans (As % Assets) | % | 50.6 | 62.7 | 50.4 | 26.7 | ||
| NPLs (As % Of Loans) | % | 3.30 | 3.60 | 3.80 | 4.40 | ||
| Provisions (As % Of NPLs) | % | 114 | 82.5 | 113 | 118 | ||
| Provisions (As % Of Loans) | % | 3.89 | 3.06 | 4.48 | 5.46 | ||
| Cost of Provisions (As % Of Loans) | % | -0.006 | 0.699 | 5.75 | 25.2 |
Get all company financials in excel:
By Helgi Library - September 10, 2018
B&N Bank's non-performing loans reached 11.0% of total loans at the end of 2017, up from 7.89% compared to the previous year. Historically, the NPL ratio hit an all time high of 11.0% in 2017 and an all time low of 3.30% in 2012. Provision coverage amou...
By Helgi Library - September 20, 2018
B&N Bank's retail deposits reached RUB 519 bil in 2017, down 10.8% compared to the previous year. Russian banking sector accepted retail deposits of RUB 25,987 bil in 2017, up 7.38% when compared to the last year. B&N Bank accounted for 2.00% of a...
By Helgi Library - September 20, 2018
B&N Bank's retail deposits reached RUB 519 bil in 2017, down 10.8% compared to the previous year. Russian banking sector accepted retail deposits of RUB 25,987 bil in 2017, up 7.38% when compared to the last year. B&N Bank accounted for 2.00% of a...
By Helgi Library - September 10, 2018
B&N Bank generated total banking revenues of RUB 40.5 bil in 2017, up 77.7% 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 74.8 bil in 2015 and an al...
By Helgi Library - September 10, 2018
B&N Bank generated total banking revenues of RUB 40.5 bil in 2017, up 77.7% 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 74.8 bil in 2015 and an al...
By Helgi Library - September 10, 2018
B&N Bank generated total banking revenues of RUB 40.5 bil in 2017, up 77.7% compared to the previous year. Russian banking sector banking sector generated total revenues of RUB 10,903,149 mil in 2017, down 16.9% when compared to the last year. ...
By Helgi Library - September 10, 2018
B&N Bank generated total banking revenues of RUB 40.5 bil in 2017, up 77.7% compared to the previous year. Russian banking sector banking sector generated total revenues of RUB 10,903,149 mil in 2017, down 16.9% when compared to the last year. ...
By Helgi Library - September 10, 2018
B&N Bank's customer deposits reached RUB 586 bil in 2017, down 21.0% compared to the previous year. Russian banking sector accepted customer deposits of RUB 37,471 bil in 2017, up 6.51% when compared to the last year. B&N Bank accounted for 1.56% ...
By Helgi Library - September 10, 2018
B&N Bank's customer deposits reached RUB 586 bil in 2017, down 21.0% compared to the previous year. Russian banking sector accepted customer deposits of RUB 37,471 bil in 2017, up 6.51% when compared to the last year. B&N Bank accounted for 1.56% ...
By Helgi Library - September 10, 2018
B&N Bank's customer loans reached RUB 121 bil in 2017, down 55.5% compared to the previous year. Russian banking sector provided customer loans of RUB 48,542 bil in 2017, up 3.85% when compared to the last year. B&N Bank accounted for 0.250% of al...
B&N Bank has been growing its revenues and asset by 38.0% and 45.2% a year on average in the last 5 years. Its loans and deposits have grown by 7.23% and 33.9% a year during that time and loans to deposits ratio reached 20.7% at the end of 2017. The company achieved an average return on equity of 3.39% in the last five years with net profit growing % a year on average. In terms of operating efficiency, its cost to income ratio reached 72.5% in 2017, compared to 58.1% average in the last five years.
Equity represented 6.64% of total assets or 59.7% of loans at the end of 2017. B&N Bank's non-performing loans were 11.0% of total loans while provisions covered some 384% of NPLs at the end of 2017.
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