Raiffeisenbank (Russia)

This article is about Raiffeisenbank in Russia. For other uses, see Raiffeisenbank.
Raiffeisenbank
Native name
Райффайзенбанк
Company typeJoint-stock company
IndustryFinancial services
Founded1996 (1996)
Headquarters
Moscow
,
Russia
Revenue252,058,126,000 Russian ruble (2023) Edit this on Wikidata
RUB 38.078 billion (2020)[1]
Total assetsRUB 1448.967 billion (2020)[1]
Total equityRUB 175.083 billion (2020)[1]
ParentRaiffeisen Bank International
RatingBa1 (Moody's), BBB (Fitch), BBB− (S&P) (2020) [2]
Websitewww.raiffeisen.ru

AO Raiffeisenbank (Russian: АО «Райффайзенбанк») is a bank in Russia, subsidiary of Raiffeisen Bank International. It is a systemically important bank in Russia,[3] headquartered in Moscow.

At the end of 2020, it ranked 7th among Russian banks in net profit (36.788 billion rubles), 10th in terms of assets (1,457.253 billion rubles) and 11th in terms of capital (189.236 billion rubles).[4] In the Forbes World Best Banks list, published in April 2021, Raiffeisen Bank ranks first among Russian banks.[5]

History

Through Raiffeisen Bank International (RBI), the Raiffeisen Banking Group began to expand outside of Austria in 1986. RBI developed into a leading universal bank in Central and Eastern Europe with the largest branch network of all Western banking groups listed on the Vienna Stock Exchange.[6]

Raiffeisenbank in Russia was founded in 1996. In 2001, a branch of the bank was opened in Saint Petersburg, in 2005 in Samara, Yekaterinburg, and Novosibirsk, and in 2006 in Krasnodar. In 2018, the bank begins to develop a digital presence that allows serving customers without physical branches.[7] In 2019, Raiffeisenbank's virtual offices are open in 109 cities of Russia. At 2021, the geography of digital presence is more than 300 cities.[8]

In 2006, Raiffeisenbank acquired 100% of the shares of JSC Impexbank.[9] A year later, they were united under the unified brand of Raiffeisenbank CJSC and Raiffeisenbank became the largest bank with the participation of foreign capital in Russia (as of 2006).[10]

In July 2021, Raiffeisen Bank International AG filed a lawsuit against the Arbitration Court of Moscow for recovery from PJSC "Mobile TeleSystems" about 615 million rubles. The third person is attracted by the Federal Antimonopoly Service (FAS) of Russia.[11]

In September 2021, Raiffeisenbank launched a service for translating salaries on the fact of worked days, for which the daily salary calculation module was created. Project partner — Payday from VK (earlier — Mail.ru Group).[12]

On September 13, 2023, the Bank of Russia canceled the license of Raiffeisenbank to operate as a specialized depository of investment funds, mutual funds and non-state pension funds. The cancellation occurred voluntarily, based on a statement from Raiffeisenbank.[13]

Key numbers

CIR indicator (COST to Income Ratio; The ratio of operating costs for income) for 2020 amounted to 37.8%, the cost of risk (COR) is 1.2%. The profitability of capital (ROE) at the end of 2020 amounted to 21.7% after payment of taxes, at the end of 2020 the share of impairment loans amounted to 3.5%.[14]

Income Statement 2019-2020.[15]
2020,

billions of rubles

2019,

billions of rubles

12M 2020 / 12M 2019,

change %

Net interest income 61,5 57,5 7,0 %
Net commission income 22,6 21,3 6,0 %
Trading result 10,0 9,7 3,6 %
Expenses for creating reserves* -9,6 -3,9 145,6 %
Operating expenses -37,6 -36,2 3,7 %
Profit before tax 48,3 48,3 -0,1%
Net profit 38,1 37,6 1,2 %
Net interest margin 4,9 % 5,2 % -26 б.п.
Net interest margin** 4,7 % 4,9 % -17 б.п.
Cost of risk 1,2 % 0,5 % 64 б.п.
Cost to income ratio 39,5 % 40,5 % -92 б.п.
Cost to income ratio** 37,8 % 38,2 % -37 б.п.
ROE before taxes 27,4 % 30,0 % -255 б.п.
ROE after tax 21,7 % 23,4 % -170 б.п.

* Provision for impairment of loans, amounts due from other banks and cash and cash equivalents

** Adjusted for the reclassification of deductions to the FDIS from operating expenses to interest expenses

At the end of 2022, Raiffeisenbank received 141 billion rubles in net profit - four times more than a year earlier (38.7 billion rubles), taking second place after Sberbank. Due to restrictions on the withdrawal of funds to unfriendly countries, the profit could not be distributed as dividends and was capitalized. The total amount of the bank's equity increased compared to 2021 from 168 billion rubles to 305.3 billion rubles.[16]

Ratings and awards

In 2021, the American edition of Forbes called Raiffeisenbank as the best bank of Russia.[17] A year earlier, Raiffeisenbank topped a list of 100 best banks in the country according to Forbes Russia magazine.[18]

In 2019, the Cobranding Map of the loyalty of Lenta-Raiffeisenbank won in the nomination "Best Cobranding Map of the Bank and Retail" International Prize Loyalty Awards Russia.[19] In the same year, Raiffeisenbank was recognized as the best foreign bank in Russia according to the international financial edition of Emea Finance.[20]

In 2018, the International Consulting Company Korn Ferry Haygroup (KFHG) on the results of studies conducted in 2016 and 2017 included Raiffeisenbank in the Top-3 of the best employers in Russia among 50 companies.[21]

In 2018, Euromoney magazine called Friedrich Wilhelm Raiffeisen "The best bank for private banking services for wealthy customers in Central and Eastern Europe".[22] His work was also awarded award-winning Spear's Russia magazine in the nominations "Impeccable reputation in the banking industry" [23] and "reference work with wealthy clients in Russia and abroad".[24]

See also

References

  1. ^ a b c "Key facts and reporting of Raiffeisenbank". www.raiffeisen.ru. Retrieved 2021-04-05.
  2. ^ "Credit ratings". www.raiffeisen.ru. Retrieved 2021-04-05.
  3. ^ "Перечень системно значимых кредитных организаций на 29.10.2020 | Банк России". cbr.ru. Retrieved 2021-07-06.
  4. ^ "ИНТЕРФАКС-100. Банки России. Основные показатели деятельности - 2020 г." (in Russian). Interfax. Retrieved 2021-06-10.
  5. ^ "World Best Banks". Forbes. 2021-04-13.
  6. ^ Лилия Литвина, Ира Грант (February 2021). "Все за одного. История Райффайзенбанка". Discovery-Russia.ru (in Russian). Discovery. Retrieved 2021-07-06.
  7. ^ Елена Янковская (2018-12-06). "Райффайзенбанк признан "Банком года" за развитие дистанционного обслуживания малого бизнеса". Известия (in Russian). Retrieved 2021-07-06.
  8. ^ "Адреса отделений и банкоматов Райффайзенбанка — график работы, телефоны". www.raiffeisen.ru. Retrieved 2021-07-06.
  9. ^ Роман Зильбер (2019-08-28). ""В 2020-е в банки придут интересные люди"". «Деньги». Приложение №32, стр. 19.
  10. ^ "ИМПЭКСБанк становится "Райффайзеном"". Банки.ру (in Russian). Retrieved 2021-07-07.
  11. ^ "Райффайзенбанк подал иск к МТС на 615 млн рублей". Коммерсантъ (in Russian). 2021-07-07. Retrieved 2021-07-07.
  12. ^ Маша Цепелева (2021-09-07). ""Райффайзенбанк" запустил сервис для перевода зарплаты заранее за отработанные дни через PayDay от Mail.ru Group — Финансы на vc.ru". vc.ru. Retrieved 2021-11-02.
  13. ^ ЦБ аннулировал лицензию Райффайзенбанка. Что теперь будет с клиентами? [The Central Bank canceled the license of Raiffeisenbank. What will happen to clients now?]. www.vbr.ru
  14. ^ "Рэнкинги Интерфакс-100 - Финмаркет". www.finmarket.ru. Retrieved 2022-01-26.
  15. ^ "Финансовая информация от Райффайзенбанка". Райффайзенбанк. Archived from the original on 2021-07-09. Retrieved 2021-07-06.
  16. ^ "Райффайзенбанк стал вторым в России". «Коммерсантъ». 2023-03-16. Archived from the original on 2023-03-21. Retrieved 2023-03-19.
  17. ^ "The World's Best Banks 2021". Forbes. Retrieved 2022-01-26.
  18. ^ "100 надежных российских банков — 2020. Рейтинг Forbes". Forbes.ru (in Russian). 17 March 2020. Retrieved 2022-01-26.
  19. ^ LOYALTY, RETAIL & (27 June 2019). ""Лента-Райффайзенбанк" признана лучшей совместной картой розницы и банка". Retail & Loyalty (in Russian). Retrieved 2022-01-26.
  20. ^ рынок, PLUSworld ru-банковская розница, финансовое обслуживание и платежный (2020-03-30). "Райффайзенбанк признан лучшим иностранным банком в России по версии EMEA Finanсe » Новости банков". Plusworld.ru: финтех, банковская розница, финансовое обслуживание и платежный рынок (in Russian). Retrieved 2022-01-26.{{cite web}}: CS1 maint: multiple names: authors list (link)
  21. ^ Korn Ferry HayGroup (October 2018). "EMPLOYEE ENGAGEMENT AWARDS, 2018" (PDF). kornferry.postclickmarketing.com/. Korn Ferry HayGroup.
  22. ^ "Private Banking and Wealth Management Survey 2018: Country Results L - U". Euromoney. 2018-02-06. Retrieved 2021-07-07.
  23. ^ "Friedrich Wilhelm Raiffeisen – победитель в номинации "За безупречную бизнес-репутацию"". PBWM.RU (in Russian). Retrieved 2021-07-07.
  24. ^ "Spear's Russia Wealth Management Awards 2020". awards2020.pbwm.ru. Retrieved 2021-07-07.

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