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ROSBANK

MISX:ROSB
Snowflake Description

Adequate balance sheet and fair value.

The Snowflake is generated from 30 checks in 5 different areas, read more below.
ROSB
MISX
RUB89B
Market Cap
  1. Home
  2. RU
  3. Banks
Company description

Public joint stock company ROSBANK provides commercial and investment banking, and custodial services in Russia. The last earnings update was 16 days ago. More info.


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ROSB Share Price and Events
7 Day Returns
2.1%
MISX:ROSB
-3.6%
RU Banks
0.2%
RU Market
1 Year Returns
-3.4%
MISX:ROSB
13.9%
RU Banks
16.8%
RU Market
ROSB Shareholder Return
  7 Day 30 Day 90 Day 1 Year 3 Year 5 Year
ROSBANK (ROSB) 2.1% 4% 0.7% -3.4% 27.8% 52.5%
RU Banks -3.6% 4.1% 16% 13.9% 80.7% 176.8%
RU Market 0.2% 7.3% 9.9% 16.8% 43.9% 93.1%
1 Year Return vs Industry and Market
  • ROSB underperformed the Banks industry which returned 13.9% over the past year.
  • ROSB underperformed the Market in Russian Federation which returned 16.8% over the past year.
Price Volatility
ROSB
Industry
5yr Volatility vs Market

Value

 Is ROSBANK undervalued based on future cash flows and its price relative to the stock market?

Value is all about what a company is worth versus what price it is available for. If you went into a grocery store and all the bananas were on sale at half price, they could be considered undervalued.
INTRINSIC VALUE BASED ON FUTURE CASH FLOWS
  • It is not possible to calculate the future cash flow value for ROSBANK. This is due to cash flow or dividend data being unavailable. The share price is RUB57.4.
PRICE RELATIVE TO MARKET
We can also value a company based on what the stock market is willing to pay for it. This is similar to the price of fruit (e.g. Mangoes or Avocados) increasing when they are out of season, or how much your home is worth.

The amount the stock market is willing to pay for ROSBANK's earnings, growth and assets is considered below, and whether this is a fair price.
Price based on past earnings
Are ROSBANK's earnings available for a low price, and how does this compare to other companies in the same industry?
Raw Data
MISX:ROSB PE (Price to Earnings) Ratio Data Sources
Data Point Source Value
Earnings Per Share * Company Filings (2019-03-31) in RUB RUB8.09
MISX:ROSB Share Price ** MISX (2019-06-14) in RUB RUB57.4
Russian Federation Banks Industry PE Ratio Median Figure of 8 Publicly-Listed Banks Companies 7.21x
Russian Federation Market PE Ratio Median Figure of 136 Publicly-Listed Companies 7.32x

* Trailing twelve months (TTM) annual GAAP earnings per share excluding extraordinary items.

** Primary Listing of ROSBANK.

MISX:ROSB PE (Price to Earnings) Ratio Calculation
Calculation Outcome
PE Ratio

= MISX:ROSB Share Price ÷ EPS (both in RUB)

= 57.4 ÷ 8.09

7.09x

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • ROSBANK is good value based on earnings compared to the RU Banks industry average.
  • ROSBANK is good value based on earnings compared to the Russian Federation market.
Price based on expected Growth
Does ROSBANK's expected growth come at a high price?
Raw Data
MISX:ROSB PEG (Price to Earnings to Growth) Ratio Data Sources
Data Point Source Value
PE Ratio See PE Ratio Section 7.09x
Net Income Annual Growth Rate See Future Growth Section.
Line of Best Fit* through Consensus Estimate Earnings of 0 Analysts
15.9%per year
Europe Banks Industry PEG Ratio Median Figure of 113 Publicly-Listed Banks Companies 0.79x
Russian Federation Market PEG Ratio Median Figure of 32 Publicly-Listed Companies 0.68x

*Line of best fit is calculated by linear regression .

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Unable to calculate PEG ratio for ROSBANK, we can't assess if its growth is good value.
Price based on value of assets
What value do investors place on ROSBANK's assets?
Raw Data
MISX:ROSB PB (Price to Book) Ratio Data Sources
Data Point Source Value
Book Value per Share Company Filings (2019-03-31) in RUB RUB105.30
MISX:ROSB Share Price * MISX (2019-06-14) in RUB RUB57.4
Russian Federation Banks Industry PB Ratio Median Figure of 9 Publicly-Listed Banks Companies 0.63x
Russian Federation Market PB Ratio Median Figure of 153 Publicly-Listed Companies 0.79x
MISX:ROSB PB (Price to Book) Ratio Calculation
Calculation Outcome
PB Ratio

= MISX:ROSB Share Price ÷ Book Value per Share (both in RUB)

= 57.4 ÷ 105.30

0.55x

* Primary Listing of ROSBANK.

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • ROSBANK is good value based on assets compared to the RU Banks industry average.
X
Value checks
We assess ROSBANK's value by looking at:
  1. Is the discounted cash flow value less than 20%, or 40% of the share price? (2 checks) ( Click here or on bar chart for details of DCF calculation. )
  2. Is the PE ratio less than the market average, and/ or less than the Banks industry average (and greater than 0)? (2 checks)
  3. Is the PEG ratio within a reasonable range (0 to 1)? (1 check)
  4. Is the PB ratio less than the Banks industry average (and greater than 0)? (1 check)
  5. ROSBANK has a total score of 3/6, see the detailed checks below.

    Note: We use GAAP Earnings per Share in all our calculations including PE and PEG Ratio.

    Full details on the Value part of the Simply Wall St company analysis model.

Future Performance

 How is ROSBANK expected to perform in the next 1 to 3 years based on estimates from 0 analysts?

  • No analysts cover ROSBANK, future earnings growth has been estimated based on fundamentals.
The future performance of a company is measured in the same way as past performance, by looking at estimated growth and how much profit it is expected to make.

Future estimates come from professional analysts. Just like forecasting the weather, they don’t always get it right!
Annual Growth Rate
15.9%
Expected annual growth in earnings.
Earnings growth vs Low Risk Savings
Is ROSBANK expected to grow at an attractive rate?
  • ROSBANK's earnings growth is expected to exceed the low risk savings rate of 8.4%.
Growth vs Market Checks
  • ROSBANK's earnings growth is expected to exceed the Russian Federation market average.
  • Unable to compare ROSBANK's revenue growth to the Russian Federation market average as no estimate data is available.
Annual Growth Rates Comparison
Raw Data
MISX:ROSB Future Growth Rates Data Sources
Data Point Source Value (per year)
MISX:ROSB Future Earnings Growth Rate Line of Best Fit* through Consensus Estimate Earnings of 0 Analysts 15.9%
Russian Federation Banks Industry Earnings Growth Rate Market Cap Weighted Average 11.1%
Europe Banks Industry Revenue Growth Rate Market Cap Weighted Average 4%
Russian Federation Market Earnings Growth Rate Market Cap Weighted Average 2.8%
Russian Federation Market Revenue Growth Rate Market Cap Weighted Average 4.5%

*Line of best fit is calculated by linear regression .

Industry and Market average data is calculated daily.

Learn more about our growth rate calculations in Simply Wall St’s analysis model.

Analysts growth expectations
Raw Data
MISX:ROSB Analysts Growth Expectations Data Sources
Data Point Source Value
Past Financials Company Filings (2 months ago) See Below
Future Estimates Average of up to 0 Analyst Estimates (S&P Global) See Below
All numbers in RUB Millions and using Trailing twelve months (TTM) annual period rather than quarterly.
MISX:ROSB Past Financials Data
Date (Data in RUB Millions) Revenue Cash Flow Net Income *
2019-03-31 52,958 -99,201 12,553
2018-12-31 52,288 -301 11,803
2018-09-30 53,155 -89,133 12,194
2018-06-30 52,237 -64,859 11,897
2018-03-31 50,906 8,098 10,503
2017-12-31 49,814 -67,407 10,396
2017-09-30 47,369 17,499 9,858
2017-06-30 43,433 -2,963 7,426
2017-03-31 39,468 -28,815 5,022
2016-12-31 36,549 -24,522 3,104
2016-09-30 32,278 -49,716 -1,325
2016-06-30 31,441 -48,981 -3,360

*GAAP earnings excluding extraordinary items.

Super high growth metrics
High Growth Checks
  • ROSBANK's earnings are expected to grow by 15.9% yearly, however this is not considered high growth (20% yearly).
  • Unable to determine if ROSBANK is high growth as no revenue estimate data is available.
Past and Future Earnings per Share
The accuracy of the analysts who estimate the future performance data can be gauged below. We look back 3 years and see if they were any good at predicting what actually occurred. We also show the highest and lowest estimates looking forward to see if there is a wide range.
Raw Data
MISX:ROSB Past and Future Earnings per Share
Data Point Source Value
Past Financials Company Filings (2 months ago) See Below
Future Estimates Average of up to 0 Analyst Estimates (S&P Global) See Below

All data from ROSBANK Company Filings, last reported 2 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

MISX:ROSB Past Financials Data
Date (Data in RUB Millions) EPS *
2019-03-31 8.09
2018-12-31 7.61
2018-09-30 7.86
2018-06-30 7.67
2018-03-31 6.77
2017-12-31 6.70
2017-09-30 6.35
2017-06-30 4.79
2017-03-31 3.24
2016-12-31 2.00
2016-09-30 -0.85
2016-06-30 -2.17

*GAAP earnings excluding extraordinary items.

Performance in 3 years
In the same way as past performance we look at the future estimated return (profit) compared to the available funds. We do this looking forward 3 years.
  • Unable to establish if ROSBANK will efficiently use shareholders’ funds in the future without estimates of Return on Equity.
X
Future performance checks
We assess ROSBANK's future performance by looking at:
  1. Is the annual earnings growth rate expected to beat the low risk savings rate, plus a premium to keep pace with inflation?
  2. Is the annual earnings growth rate expected to beat the average growth rate in earnings of the Russian Federation market? (1 check)
  3. Is the annual revenue growth rate expected to beat the average growth rate in revenue of the Europe market? (1 check)
  4. Is the annual earnings growth rate expected to be above 20%? (1 check)
  5. Is the annual revenue growth rate expected to be above 20%? (1 check)
  6. Is the Return on Equity in 3 years expected to be over 20%? (1 check)
Some of the above checks will fail if the company is expected to be loss making in the relevant year.
ROSBANK has a total score of 2/6, see the detailed checks below.

Note 1: We use GAAP Net Income Excluding Exceptional Items for our Earnings in all our calculations.

Full details on the Future part of the Simply Wall St company analysis model.

Past Performance

  How has ROSBANK performed over the past 5 years?

The past performance of a company can be measured by how much growth it has experienced and how much profit it makes relative to the funds and assets it has available.
Past earnings growth
Below we compare ROSBANK's growth in the last year to its industry (Banks).
Past Earnings growth analysis
We also check if the company has grown in the past 5 years, and whether it has maintained that growth in the year.
  • ROSBANK has delivered over 20% year on year earnings growth in the past 5 years.
  • ROSBANK's 1-year earnings growth is less than its 5-year average (19.5% vs 29.6%)
  • ROSBANK's earnings growth has exceeded the RU Banks industry average in the past year (19.5% vs 6.8%).
Earnings and Revenue History
ROSBANK's revenue and profit over the past 5 years is shown below, any years where they have experienced a loss will show up in red.
Raw Data

All data from ROSBANK Company Filings, last reported 2 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

MISX:ROSB Past Revenue, Cash Flow and Net Income Data
Date (Data in RUB Millions) Revenue Net Income * G+A Expenses R&D Expenses
2019-03-31 52,958.00 12,553.00 28,593.00
2018-12-31 52,288.00 11,803.00 28,632.00
2018-09-30 53,155.00 12,194.00 28,581.00
2018-06-30 52,237.00 11,897.00 28,063.00
2018-03-31 50,906.00 10,503.00 28,228.00
2017-12-31 49,814.00 10,396.00 27,681.00
2017-09-30 47,369.00 9,858.00 26,354.00
2017-06-30 43,433.00 7,426.00 26,342.00
2017-03-31 39,468.00 5,022.00 25,867.00
2016-12-31 36,549.00 3,104.00 25,733.00
2016-09-30 32,278.00 -1,325.00 25,578.00
2016-06-30 31,441.00 -3,360.00 25,709.00
2016-03-31 29,025.00 -6,457.00 26,563.00
2015-12-31 25,883.00 -9,282.00 27,273.00
2015-09-30 28,065.50 -7,430.50 29,609.00
2015-06-30 30,326.00 -5,857.00 31,301.00
2015-03-31 35,063.00 -1,537.00 29,903.00
2014-12-31 41,229.00 3,183.00 28,652.00
2014-09-30 44,558.00 6,393.00 25,904.00
2014-06-30 47,887.00 9,603.00 23,156.00
2014-03-31 49,004.00 11,772.50 22,903.50
2013-12-31 50,121.00 13,942.00 22,651.00
2013-06-30 49,446.00 12,446.00 22,436.00
2013-03-31 49,297.50 10,439.00 22,679.00
2012-12-31 49,149.00 8,432.00 22,922.00

*GAAP earnings excluding extraordinary items.

Performance last year
We want to ensure a company is making the most of what it has available. This is done by comparing the return (profit) to a company's available funds, assets and capital.
  • ROSBANK has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).
  • ROSBANK used its assets less efficiently than the RU Banks industry average last year based on Return on Assets.
  • Unable to establish if ROSBANK improved its use of capital last year versus 3 years ago (Return on Capital Employed) due to insufficient past data.
X
Past performance checks
We assess ROSBANK's performance over the past 5 years by checking for:
  1. Has earnings increased in past 5 years? (1 check)
  2. Has the earnings growth in the last year exceeded that of the Banks industry? (1 check)
  3. Is the recent earnings growth over the last year higher than the average annual growth over the past 5 years? (1 check)
  4. Is the Return on Equity (ROE) higher than 20%? (1 check)
  5. Is the Return on Assets (ROA) above industry average? (1 check)
  6. Has the Return on Capital Employed (ROCE) increased from 3 years ago? (1 check)
The above checks will fail if the company has reported a loss in the most recent earnings report. Some checks require at least 3 or 5 years worth of data.
ROSBANK has a total score of 2/6, see the detailed checks below.

Note: We use GAAP Net Income excluding extraordinary items in all our calculations.

Full details on the Past part of the Simply Wall St company analysis model.

Health

 How is ROSBANK's financial position? (This company is analysed differently as a bank or financial institution)

This company is a bank or financial institution.

Fundamentally a bank's business is based upon borrowing and lending money, for this reason they typically have high levels of debt and we analyse them differently.
Net Worth
Balance sheet
This treemap shows a more detailed breakdown of ROSBANK's finances. If any of them are yellow this indicates they may be out of proportion and red means they relate to one of the checks below.
Assets
Liabilities and shares
The 'shares' portion represents any funds contributed by the owners (shareholders) and any profits.
Historical Debt
Nearly all companies have debt. Debt in itself isn’t bad, however if the debt is too high, or the company can’t afford to pay the interest on its debts this may have impacts in the future.

The graphic below shows equity (available funds) and debt, we ideally want to see the red area (debt) decreasing.

If there is any debt we look at the companies capability to repay it, and whether the level has increased over the past 5 years.
Raw Data

All data from ROSBANK Company Filings, last reported 2 months ago.

MISX:ROSB Past Debt and Equity Data
Date (Data in RUB Millions) Total Equity Total Debt Cash & Short Term Investments
2019-03-31 163,357.00 164,127.00 239,860.00
2018-12-31 152,805.00 172,514.00 243,504.00
2018-09-30 149,415.00 182,629.00 170,975.00
2018-06-30 145,584.00 190,595.00 172,364.00
2018-03-31 140,887.00 197,113.00 234,826.00
2017-12-31 132,597.00 213,802.00 256,962.00
2017-09-30 130,928.00 215,493.00 219,492.00
2017-06-30 127,666.00 216,102.00 207,581.00
2017-03-31 125,017.00 228,967.00 135,157.00
2016-12-31 123,558.00 237,204.00 149,674.00
2016-09-30 120,582.00 241,079.00 154,744.00
2016-06-30 119,702.00 246,040.00 133,010.00
2016-03-31 119,324.00 254,522.00 191,975.00
2015-12-31 120,501.00 272,514.00 232,200.00
2015-09-30
2015-06-30 123,944.00 247,649.00 227,234.00
2015-03-31 129,644.00 317,920.00 325,508.00
2014-12-31 129,644.00 317,920.00 325,508.00
2014-09-30 129,644.00 317,920.00 325,508.00
2014-06-30 130,846.00 200,486.00 147,400.00
2014-03-31 130,846.00 200,486.00 147,400.00
2013-12-31 128,747.00 164,240.00 137,180.00
2013-06-30 123,546.00 166,206.00 144,988.00
2013-03-31 123,546.00 166,206.00 144,988.00
2012-12-31 118,725.00 146,882.00 143,779.00
BANK ANALYSIS

This company is a bank or financial institution, which is analysed accordingly below.

Below we check the amount of loans the bank has, how many of those are bad, and its ability to cover any bad loans.
  • ROSBANK has an acceptable proportion of non-loan assets held.
  • ROSBANK's liabilities are made up of primarily low risk sources of funding.
  • Loans at ROSBANK are broadly funded by customer deposits.
  • ROSBANK's level of assets compared to its equity is low (i.e. an appropriate level of borrowing to fund lending).
  • ROSBANK has a low allowance for bad loans.
  • ROSBANK has a high level of bad loans (greater than 2%).
X
Financial health checks
We assess ROSBANK's financial health by checking for:
  1. Are short term assets greater than short term liabilities? (1 check)
  2. Are short term assets greater than long term liabilities? (1 check)
  3. Has the debt to equity ratio increased in the past 5 years? (1 check)
  4. Is the debt to equity ratio over 40%? (1 check)
  5. Is the debt covered by operating cash flow? (1 check)
  6. Are earnings greater than 5x the interest on debt (if company pays interest at all)? (1 check)
  7. ROSBANK has a total score of 4/6, see the detailed checks below.
For companies that are loss making and have been so on average in the past we replace the last 2 checks with:
  1. Does cash and short term investments cover stable operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)
  2. Does cash and short term investments cover growing operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)


Full details on the Health part of the Simply Wall St company analysis model.

Dividends

 What is ROSBANK's current dividend yield, its reliability and sustainability?

Dividends are regular cash payments to you from the company, similar to a bank paying you interest on a savings account.
Annual Dividend Income
Dividend payments
0%
Current annual income from ROSBANK dividends.
If you bought RUB2,000 of ROSBANK shares you are expected to receive RUB0 in your first year as a dividend.
Dividend Amount
Here we look how much dividend is being paid, if any. Is it above what you can get in a savings account? It is up there with the best dividend paying companies?
  • Unable to evaluate ROSBANK's dividend yield against the bottom 25% of dividend payers as the company has not reported any payouts.
  • Unable to evaluate ROSBANK's dividend against the top 25% market benchmark as the company has not reported any payouts.
Annualized Historical and Future Dividends
It is important to see if the dividend for a company is stable, and not wildly increasing/decreasing each year. This graph shows you the historical rate to count toward your assessment of the stock.

We also check to see if the dividend has increased in the past 10 years.
Raw Data
MISX:ROSB Annualized Past and Future Dividends
Data Point Source Value
Past Annualized Dividend Yield S&P Global Market Data See Below
Past Dividends per Share Company Filings/ Annualized Dividend Payments See Below
Future Dividends per Share Estimates Average of up to 0 Analyst Estimates (S&P Global) See Below
Russian Federation Banks Industry Average Dividend Yield Market Cap Weighted Average of 6 Stocks 6.5%
Russian Federation Market Average Dividend Yield Market Cap Weighted Average of 74 Stocks 6.7%
Russian Federation Minimum Threshold Dividend Yield 10th Percentile 1.7%
Russian Federation Bottom 25% Dividend Yield 25th Percentile 3.2%
Russian Federation Top 25% Dividend Yield 75th Percentile 8.6%

Industry and Market average data is calculated daily.

Note all dividend per share amounts are annualized and not quarterly or other period.

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Unable to perform a dividend volatility check as ROSBANK has not reported any payouts.
  • Unable to verify if ROSBANK's dividend has been increasing as the company has not reported any payouts.
Current Payout to shareholders
What portion of ROSBANK's earnings are paid to the shareholders as a dividend.
  • Unable to calculate sustainability of dividends as ROSBANK has not reported any payouts.
Future Payout to shareholders
  • Insufficient estimate data to determine if a dividend will be paid in 3 years and that it will be sustainable.
X
Income/ dividend checks
We assess ROSBANK's dividend by checking for:
  1. Firstly is the company paying a notable dividend (greater than 1.7%) - if not then the rest of the checks are ignored.
  2. Is current dividend yield above the bottom 25% of dividend payers? (1 check)
  3. Is current dividend yield above the top 25% of dividend payers? (1 check)
  4. Have they paid a dividend for 10 years, and during this period has the dividend been volatile (drop of more than 25%)? (1 check)
  5. If they have paid a dividend for 10 years has it increased in this time? (1 check)
  6. How sustainable is the dividend, can ROSBANK afford to pay it from its earnings today and in 3 years (Payout ratio less than 90%)? (2 checks)
  7. ROSBANK has a total score of 0/6, see the detailed checks below.


Full details on the Dividends part of the Simply Wall St company analysis model.

Management

 What is the CEO of ROSBANK's salary, the management and board of directors tenure and is there insider trading?

Management is one of the most important areas of a company. We look at unreasonable CEO compensation, how long the team and board of directors have been around for and insider trading.
CEO
Ilya Polyakov
AGE 39
TENURE AS CEO 1.2 years
CEO Bio

Mr. Ilya Polyakov serves as the Chief Executive Officer at PJSC ROSBANK and has also been its Director since 2018. Mr. Polyakov has been the Chairman of the Management Board at PJSC ROSBANK since April 14, 2018 and served as its Acting Chief Executive Officer since April 14, 2018. He has been CEO and Chairman of Rosbank ‘s management board at Société Générale SA since April 2018. He was First Deputy Chairman of Management Board at PJSC ROSBANK from September 12, 2016 to April 14, 2018. Mr. Polyakov served as the Head of Customer Relations and Investment Banking at Joint Stock Commercial Bank ROSBANK (Open joint-stock company) and serves as its Head of Corporate Banking. Mr. Polyakov served as Deputy Chairman of the Management Board at Joint Stock Commercial Bank ROSBANK (Open joint-stock company) from October 2012 to June 2016. Mr. Polyakov served as the Head of Customer Relations and Investment Banking at Societe Generale Corporate & Investment Banking.

CEO Compensation
  • Insufficient data for Ilya to compare compensation growth.
  • Insufficient data for Ilya to establish whether their remuneration is reasonable compared to companies of similar size in .
Management Team Tenure

Average tenure and age of the ROSBANK management team in years:

3.7
Average Tenure
44
Average Age
  • The tenure for the ROSBANK management team is about average.
Management Team

Ilya Polyakov

TITLE
Chairman of Management Board
AGE
39
TENURE
1.2 yrs

Ulan Ilishkin

TITLE
Deputy Chairman of Management Board
AGE
58
TENURE
9.3 yrs

Parizat Shay Shaikhina

TITLE
Deputy Chairman of Management Board
AGE
42
TENURE
5.9 yrs

Denis Sotin

TITLE
First Deputy Chairman of Management Board
AGE
44
TENURE
3 yrs

Arnaud Denis

TITLE
First Deputy Chairman of Management Board
AGE
50

Alexander Ovchinnikov

TITLE
Member of the Management Board & CFO
TENURE
1.3 yrs

Michel Macagno

TITLE
Corporate Banking Director & Member of Management Board
TENURE
3.7 yrs

Anne de Kouchkovsky

TITLE
Risk Director & Member of the Management Board
TENURE
1.3 yrs

Eric Hauschild

TITLE
Head of Risk Directorate
TENURE
6.3 yrs

Anton Kiryukhin

TITLE
Head of Debt Capital Markets Department
TENURE
5.4 yrs
Board of Directors Tenure

Average tenure and age of the ROSBANK board of directors in years:

7.1
Average Tenure
58.5
Average Age
  • The tenure for the ROSBANK board of directors is about average.
Board of Directors

Didier Hauguel

TITLE
Chairman of the Board
AGE
59
TENURE
7.1 yrs

Ilya Polyakov

TITLE
Chairman of Management Board
AGE
39
TENURE
1.4 yrs

Martin Gilman

TITLE
Director
AGE
70
TENURE
13.3 yrs

Christian Schricke

TITLE
Independent Director
AGE
70
TENURE
8.9 yrs

Benoit Jean Ottenwaelter

TITLE
Director
AGE
64
TENURE
2.4 yrs

Bernardo Sanchez-Incera

TITLE
Director
AGE
58
TENURE
9 yrs

Françoise Mercadal-Delasalles

TITLE
Director
AGE
56
TENURE
8.3 yrs

Jean-Luc Joseph Parer

TITLE
Director
AGE
64

Pascal Augé

TITLE
Director
AGE
56
TENURE
6 yrs

Marie-Christine Ducholet

TITLE
Director
AGE
55
TENURE
5 yrs
Who owns this company?
Recent Insider Trading
  • No 3 month insider trading information.
Recent Insider Transactions
Announced Type Name Entity Role Start End Shares Max Price (RUB) Value (RUB)
X
Management checks
We assess ROSBANK's management by checking for:
  1. Is the CEO's compensation unreasonable compared to market cap? (1 check)
  2. Has the CEO's compensation increased more than 20% whilst the EPS is down more then 20%? (1 check)
  3. Is the average tenure of the management team less than 2 years? (1 check)
  4. Is the average tenure of the board of directors team less than 3 years? (1 check)
  5. ROSBANK has a total score of 0/6, this is not included on the snowflake, see the detailed checks below.


Note: We use the top 6 management executives and board members in our calculations.

Note 2: Insider trading include any internal stakeholders and these transactions .

Full details on the Management part of the Simply Wall St company analysis model.

News

Simply Wall St News

Do ROSBANK's (MCX:ROSB) Earnings Warrant Your Attention?

I like to take a look at earnings before interest and (EBIT) tax margins, as well as revenue growth, to get another take on the quality of the company's growth. … Not all of ROSBANK's revenue this year is revenue from operations, so keep in mind the revenue and margin numbers I've used might not be the best representation of the underlying business. … While we note ROSBANK's EBIT margins were flat over the last year, revenue grew by a solid 5.0% to RUруб52b.

Simply Wall St -

Real Risks To Know Before Investing In Public joint stock company ROSBANK (MCX:ROSB)

As a small bank, ROSBANK’s profits are directly affected by macroeconomic events as the ability for borrowers to repay their debt depends on the stability of their salary and interest rate levels. … Bad debt is directly written off as an expense which impacts ROSBANK’s bottom line and shareholders’ value. … Today we’re going to assess the level of bad debt and liabilities ROSBANK currently has in order to properly analyse the risk involved with investing in ROSBANK.

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Despite Its High P/E Ratio, Is Public joint stock company ROSBANK (MCX:ROSB) Still Undervalued?

This article is for investors who would like to improve their understanding of price to earnings ratios (P/E ratios). … ROSBANK has a price to earnings ratio of 7.58, based on the last twelve months. … How Do I Calculate ROSBANK's Price To Earnings Ratio

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Should You Be Concerned About Public joint stock company ROSBANK’s (MCX:ROSB) Liquidity?

As a small-cap bank stock with a market capitalisation of RUруб92b, Public joint stock company ROSBANK’s (MCX:ROSB) risk and profitability are largely determined by the underlying economic growth of the RU regions in which it operates. … Post-GFC recovery brought about a new set of reforms, Basel III, which was created to improve regulation, supervision and risk management in the financial services industry. … Unpredictable macro events such as political instability could weaken its financial position which is why it is important to understand how well the bank manages its risk levels.

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Three Key Risk For Public joint stock company ROSBANK (MCX:ROSB) You Should Know

As a small bank, ROSBANK’s profits are directly affected by macroeconomic events as the ability for borrowers to repay their debt depends on the stability of their salary and interest rate levels. … Bad debt is directly written off as an expense which impacts ROSBANK’s bottom line and shareholders’ value. … I will take you through some useful measures of bad debt and liabilities in order to properly analyse ROSBANK’s risk level before you invest in the stock.

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Should You Be Tempted To Sell Public joint stock company ROSBANK (MCX:ROSB) Because Of Its P/E Ratio?

Based on the last twelve months, ROSBANK's P/E ratio is 8.16. … How Do I Calculate ROSBANK's Price To Earnings Ratio … Price to Earnings Ratio = Price per Share ÷ Earnings per Share (EPS)

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What You Should Know About Public joint stock company ROSBANK’s (MCX:ROSB) Risks

One of the biggest risk Public joint stock company ROSBANK (MCX:ROSB) faces as a bank is bad loans, also known as credit risk. … Today we will analyse ROSBANK’s level of bad debt and liabilities in order to understand the risk involved with investing in ROSBANK … Does ROSBANK Understand Its Own Risks?

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Public joint stock company ROSBANK (MCX:ROSB): Can It Deliver A Superior ROE To The Industry?

Public joint stock company ROSBANK (MCX:ROSB) generated a below-average return on equity of 7.46% in the past 12 months, while its industry returned 10.79%. … Knowing these components can change your views on ROSB's below-average returns. … Today I will look at how components such as financial leverage can influence ROE which may impact the sustainability of ROSB's returns

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Three Understated Metrics For Public joint stock company ROSBANK (MCX:ROSB) You Should Know

Public joint stock company ROSBANK’s (MCX:ROSB) profitability and risk are largely affected by the underlying economic growth for the region it operates in RU given it is a small-cap stock with a market capitalisation of RUруб92.15b. … These reforms target bank level regulation and aims to improve the banking sector’s ability to absorb shocks arising from economic stress which could expose financial institutions to vulnerabilities. … Strong management of leverage and liquidity could place the bank in a protected position at the face of macro headwinds.

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How Does Public joint stock company ROSBANK (MCX:ROSB) Affect Your Portfolio Returns?

Check out our latest analysis for ROSBANK An interpretation of ROSB's beta ROSBANK's beta of 0.49 indicates that the stock value will be less variable compared to the whole stock market. … ROSB's beta implies it may be a stock that investors with high-beta portfolios might find relevant if they wanted to reduce their exposure to market risk, especially during times of downturns. … How ROSB's assets could affect its beta An asset-heavy company tends to have a higher beta because the risk associated with running fixed assets during a downturn is highly expensive.

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Company Info

Description

Public joint stock company ROSBANK provides commercial and investment banking, and custodial services in Russia. The company operates through Retail Banking, Corporate Banking, and Treasury and Financial Institutions segments. It offers various banking products, including current accounts, savings and deposit products, loans and other credit facilities, mortgages, overdrafts, credit and debit cards, derivative products, and travel insurance services, as well as private banking products and services. The company also provides mortgage, car, and non-purpose consumer loans; and leasing, cash management, documentary, and payroll services, as well as bank cards. In addition, its banking products and services comprise accounts in Roubles and foreign currencies; payments and settlements; trade finance services, including guarantees, letters of credit, and pre-and post-financing facilities; operations with precious metals; foreign exchange and securities trading; and custody services and asset management services. Further, the company provides cash settlements for FX, money market, and securities services; and LORO correspondent accounts and time deposits for financial institutions. Additionally, it offers factoring, processing, and telecommunication services; Internet, mobile, and phone banking services; and ATM services. The company primarily serves medium-sized trade, finance, and technology companies. As of December 31, 2017, it operated through eight branches. The company was incorporated in 1993 and is based in Moscow, Russia. Public joint stock company ROSBANK operates as a subsidiary of Société Générale Société anonyme

Details
Name: Public joint stock company ROSBANK
ROSB
Exchange: MISX
Founded: 1993
RUB89,050,466,362
1,551,401,853
Website: http://www.rosbank.ru
Address: Public joint stock company ROSBANK
34, Masha Poryvaeva Street,
Moscow,
107078,
Russia
Listings
Exchange Symbol Ticker Symbol Security Exchange Country Currency Listed on
MISX ROSB Ordinary Shares Micex - Rts RU RUB 13. Jul 2006
Number of employees
Current staff
Staff numbers
0
ROSBANK employees.
Industry
Diversified Banks
Banks
Company Analysis and Financial Data Status
Area Date (UTC time)
Company Analysis updated: 2019/06/15 21:13
End of day share price update: 2019/06/14 00:00
Last earnings filing: 2019/05/30
Last earnings reported: 2019/03/31
Last annual earnings reported: 2018/12/31


All dates and times in UTC. All financial data provided by Standard & Poor’s Capital IQ.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.